Need 50k loan for 6 months - 1 year. Which bank offers competitive rate, monthly/daily interest rest, no hidden charges? Please assist. Thank you very much.

Bank Rakyat provides the best rate for now (3.25 - 5.20%).

now all bank need 3 month pay slip to apply pl?last time juz use cc

yurp..

no more credit card promp start from 2012, client must submit full document such as 3 months payslip & epf / bank statement. latest policy from bank negara =) we only take NETT income

wat u mean by nett income?juz 3 month pay slip cannot apply?EasyRhb also need payslip?

This post has been edited by samsungXP: Jan 31 2012, 06:20 AM

Nett income x5 = amount u can get
2011, gross x5. Payslip just a reference document, u need to submit supporting document. Such as epf or bank statement showing salary credit to your account. Rhb easy jz submit Ic & epf only if not mistaken

Problem with Bank Rakyat only allows direct salary deduction which my company doesnt allow.

hi guys, im looking for PL 40K

from private sector with 2k salary, fresh grad
no other commitment, no card credit.
i wonder which bank provide since im from private, hard to get and how much interest rate? thanks

since rhb easy juz need ic,mean on the spot they can check all your debt with others bank?

what about Aeon credit? anyone try before. i know interest is high but is it easily approved? do they follow bank requirement.

40k? forget it.

Hi all, did a survey and basically most of the banks is offering p.loans for a max tenor of 5 years but is there a p.loan with a max tenor of 7 years repayment and no early settlement fee? interest is not an issue for the current me.

am actually looking to apply for about 40k. basically to settle of all credit card debts. im earning currently about 6k nett income. with 2k being basic salary and 4k being commision. how do the banks calculate the amount that i can take up?

and btw, i tried applying 3 months back and was rejected. banker told me due to fail credit score.. wats credit score and basically how do i improve the score? so far i missed my card payment 3 times for 1 month(means i missed this month and pay off 2 months min payment on the following month). can it still be approved if i try applying?

wat the different of easyrhb and rhb pl?

Hi to all forummers,

Need your suggestions about Personal loans. Just wondering, how can i apply for Personal loan? What is the requirement? Which bank offer low interest and fast approve?

BTW, i'm work as IT in private sectors. Salary range 1.7k only. want to loan about 15k to start a small business.

Thanks in advance

i applied pl from alliance before but rejected. actually how would u know the reason u got rejected? i asked my banker n she said because the promotion already ended. but if so, why would the bank even call me to verify details?
if they call for verification, is there a chance u will get approved?
what are the steps?

1) check ccris
2) verify with customer
3) approve/reject

is this so?

Your credit score fail because of bad payment record. Also your income cannot cover your repayment that is why bad score

I see.. I was not advised on this, I mean the banker should know if 6k cannot cover the repayment of 40k. What's the eligibility loan amount to get off 6k nett salary then?

And btw I onli miss payment twice due to nvr receive statement.. Like this also consider bad payment record edi? Omg.. Can I still try and apply then?

pl and cc which one more hard to get approved?

do you still have other loan like house or car ? That will also go into consideration. You can still to apply