for those agency that take consultant fees from customer...pls shut up.. i dare to say that, u guys dont knw all banks ploan policy...let me expert tell u...

for those scb 2.99%, citi 4.99%.. those are cash on call..take money from ur credit card and hving low int installment to pay back... it will lock ur credit limit..this is for those who hv their cards and low outstanding, and just wanna use some cash for own purpose...that possible will do...
BUT: cards are near to limit already, u cant even do cash on call...that's y u need ploan..the t&c is, u own their cards, but not like SOME people say about FD..pls dont misunderstanding..

for business man...pls dont use cash on call.. cash on call is for emergency use only...pls apply for ploan first..if u r sure that ur business is not risky..besides, applying ploan,if ur cards are near to limit,ploan will b hard to approve..

cash on call/ dail for cash is different with ploan...
cash on call will lock ur card limit, 10k limit,take out 5k..available limit only 5k...B: 10k limit take ploan 10k, available limit still 10k.....

pls understand people.. dont listen to "people" but listen to expert...consultancy is not expert at all, wat 10 banks..they just submit to around 5 only...submit like regular customer..nothing special..they dont even knw insider, even they knw, insider also cant do anything, u r applying with BANKS , not AH LONG...insider no use,still hv to follow rules...

Thanks for heads up. When someone said we can get PL at rates that low I was like  might as well just borrow as much as possible from the banks and put the monies into investments with higher returns.

Rate from the bank are fixed 
If any agent told you can get low rate, for example you walk-in to get 8% to Bank A and they offer you Bank A lower 8%, dont trust them. if have such things i gonna apply it too from early 

cash on call base on credit limit? If I got that much limit I dont need to apply Ploan la

i heard hsbc pl if u have repayment not so good also they still approved,it is true?compare to others bank like cimb,maybank.why i apply rhb bank they asking for all the document?but ppl juz need to summit ic

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Added on August 27, 2011, 2:11 amsome ppl are apply pl to settle theirs cc outstanding.but pl hard to approved if u got high outstanding balance on your cc.then how the solution to get your pl approved?

i heard hsbc pl if u have repayment not so good also they still approved,it is true?compare to others bank like cimb,maybank.why i apply rhb bank they asking for all the document?but ppl juz need to summit ic

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Added on August 27, 2011, 2:11 amsome ppl are apply pl to settle theirs cc outstanding.but pl hard to approved if u got high outstanding balance on your cc.then how the solution to get your pl approved?

i heard hsbc pl if u have repayment not so good also they still approved,it is true?compare to others bank like cimb,maybank.why i apply rhb bank they asking for all the document?but ppl juz need to summit ic

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Added on August 27, 2011, 2:11 amsome ppl are apply pl to settle theirs cc outstanding.but pl hard to approved if u got high outstanding balance on your cc.then how the solution to get your pl approved?

i said already.. maybank and cimb, their ploan are so aggresive... approval strange abit....can rej u without any reason, even if u r good quality customer...

rhb not so easy anymore, start bleeding already, and start to play safe...

i dont about that.. epp is sdn bhd..but not ah long... some people say use epp first then apply ploan from bank.. but im not sure about this, if u hv try it, let me knw haha... i just knw, if u hv hlb card, hv done epp, but when next time u wanna apply something, they wont approve so easily... confirm, cos my customer is meeting the prob now...

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Added on August 27, 2011, 4:36 pm

sorry, forget about to answer 1st quest..

hsbc and ocbc, their ploan is the most unique one... if u hv late payment, once u hv settle it, can approve ur loan.. but still hv chances, not 100%, not like other banks, bad record in last 12mth, no matter u hvnt settled it.. still rej.. hv to wait for 1 year to clear the record...

uob : if u card late payment.. GG... but if u hv car/house late payment, ploan still acceptable...

hi all..
after reading those feedback on this thread, I can say that most of u guys can help me to figure it out how to get pl as this is ma 1st time to apply...

I have 2 cc which is limit 10k n 8.4k...
and both of them I think ald used more than 1 year as I remember..
one of the still have outstanding balance about 2.5k..
my gross income is 3.2k..
ok...I want to get pl around 25k - 30k for 5 years..
which bank can give the lowest interest as I saw 1 of forumer said hw can get 0.75%...as I remember lah..
am I aligible to entitle this amount.

0.74 mthly for alliance bank... 10k limit, after factor is 4k.. if standard x5..20k... if u really hv good ccris... sure can go x7...u can try first,in 10 min..if u dont like it,sure can refuse to proceed...

ic..neway I'm really noob on this this..could u please tell me what is ccris stand for..I think currently I've no problem on paying back my cc as after finished my project...I just put lum sum to settle the outstanding balance...and currently I just have asb loan which is about 100k and my car loan gonna be finish by end of october...please guide me on this guys...

thanks ya...

Hi loan experts,

Is it possible to get a personal loan if i'm not a credit card user? I've been told the only documents needed are i/c and pay slips.

Also, i was informed that although the usual practice for the amount granted is 5x (of one's salary) but it also depends on the borrower's monthly salary.

Need recommendation and advice for loan up to 100k-150k.

Thanks.

Depends on loan amount ... on which loan amount you apply then you will get the interest rate ...
Besides, if priority member will get different but not much people have it unless their account transaction inside there.

Seem like you trying to offence somethings. there are a lot agent not only loan. purchasing house etc most of them from agent to banker if you trying to say about "agent" things. i believe that agent pass to banker and they accept it too (further details and T&C everyone know about it).

Some agents ask for fee before they proceed and show you the result. we never advise client to accept the offer from such agent. besides, there are no confirm things in loan. bank need see about your payment, scoring, background etc.

I believe some of people here received call from BANK telemarker offer them a loan and provide document. After provide and process it, at last the result get REJECTED. Sometimes even client get rejected without REASON. Correct me if i'm wrong.

Do you know something of service industry ?
Do you understand the meaning of "We offer service, You pay for service"? we not forcing client to accept the offer.
Our style ... We do the service and you pay for service after SUCCESS.
Besides, we will try our best and provide them more information. this call service industry.

However, i'm not trying to offence anything at here. don't put in heart