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 Personal Loan - V2, which banks offer the best deal?

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cyberz
post Mar 6 2012, 08:53 PM

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QUOTE(mickit @ Mar 6 2012, 06:27 PM)
I research on cimb website found that can apply for below rm2k, minimum rm800.. hmm.gif
*
yes its true for cimb bank, its called cimb express.. but interest 2% permonth sweat.gif
better apply for aeon credit or mbf only 1.5% permonth..
dont know why this bank offer very high interest rates for low income people but low rates for people salary 2K above?? doh.gif

This post has been edited by cyberz: Mar 6 2012, 08:59 PM
samsungXP
post Mar 6 2012, 09:03 PM

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QUOTE(kenshin1 @ Mar 6 2012, 06:09 PM)
sorry bro, no banks


Added on March 6, 2012, 6:09 pm
bro, ur salary, cash or cheque, got their "epf"?


Added on March 6, 2012, 6:12 pm

i think it's commitment problem....
2.4k income, 2 apartment 1 car....
*
my salary is bank in to sg account.ord summit complete document but alliance and rhb reject
kenshin1
post Mar 7 2012, 12:42 AM

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QUOTE(mickit @ Mar 6 2012, 06:27 PM)
I research on cimb website found that can apply for below rm2k, minimum rm800.. hmm.gif
*
dont belive, u try n see lor....website take very long to update... months.....


Added on March 7, 2012, 12:44 am
QUOTE(samsungXP @ Mar 6 2012, 09:03 PM)
my salary is bank in to sg account.ord summit complete document but alliance and rhb reject
*
if u ok, pm me ur ic number... i check n see lor..


Added on March 7, 2012, 12:44 am
QUOTE(cyberz @ Mar 6 2012, 08:53 PM)
yes its true for cimb bank, its called cimb express.. but interest 2% permonth sweat.gif
better apply for aeon credit or mbf only 1.5% permonth..
dont know why this bank offer very high interest rates for low income people but low rates for people salary 2K above?? doh.gif
*
afraid customer dont pay ma...

This post has been edited by kenshin1: Mar 7 2012, 12:44 AM
singdreams
post Mar 7 2012, 03:05 AM

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Guys, i submitted MBSB pl loan application last thursday and today i gave the customer care a call found out that my application was no result when they tried to search by my IC.

i assume that the agent hasn't submit the application for me, he promise me to check again this friday as the case status were still under pending

what should i do since i really need the money ?
nikqlate
post Mar 7 2012, 08:49 AM

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QUOTE(kenshin1 @ Mar 6 2012, 06:09 PM)
sorry bro, no banks


Added on March 6, 2012, 6:09 pm
bro, ur salary, cash or cheque, got their "epf"?


Added on March 6, 2012, 6:12 pm

i think it's commitment problem....
2.4k income, 2 apartment 1 car....
*
but bro that my basic salary... my OT per month double my basic salary....
ageh84
post Mar 7 2012, 02:50 PM

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Any agent from Bank Rakyat?
lahm
post Mar 8 2012, 02:25 AM

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Al Rajhi weekend promotion for personal financing at 6.88% per annum nod.gif
edmundwong
post Mar 8 2012, 08:15 AM

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QUOTE(ageh84 @ Mar 7 2012, 02:50 PM)
Any agent from Bank Rakyat?
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do you want to apply alliance bank p loan, drop me your email at alliancefinancing_i@yahoo.com
kenshin1
post Mar 8 2012, 09:16 AM

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QUOTE(singdreams @ Mar 7 2012, 03:05 AM)
Guys, i submitted MBSB pl loan application last thursday and today i gave the customer care a call found out that my application was no result when they tried to search by my IC.

i assume that the agent hasn't submit the application for me, he promise me to check again this friday as the case status were still under pending

what should i do since i really need the money ?
*
bro, the process of gov loan will take at least 20 days.. are u a mnc?glc?gov? y u goin for mbsb?


Added on March 8, 2012, 9:19 am
QUOTE(nikqlate @ Mar 7 2012, 08:49 AM)
but bro that my basic salary... my OT per month double my basic salary....
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so? cos bank dont look at it.....but there is a way,declare ur income tax...get ea form, do e failing, hv to pay more? or refund? get the receipt, very important....
so next time when u wanna apply, dont use payslip anymore...use income tax...then bank wld take ur OT as ur income..

This post has been edited by kenshin1: Mar 8 2012, 09:19 AM
HughieRmX
post Mar 8 2012, 12:34 PM

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QUOTE(lahm @ Mar 8 2012, 02:25 AM)
Al Rajhi weekend promotion for personal financing at 6.88% per annum  nod.gif
*
Thanks for sharing the info ! .. Will make a trip to the nearest outlet this weekend. biggrin.gif
engrfeez
post Mar 8 2012, 02:11 PM

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I need loan from Alradji..please contact and PM me..thanks
mickit
post Mar 9 2012, 11:40 AM

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"Minimum income eligibility of only RM24,000 per annum"

this one i feel confusing, if basic salary not enough RM2k but over RM24000 per annum (include bonus every year) can or not?
luckykid5
post Mar 9 2012, 04:24 PM

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just wondering if there's a page where they list down current bank loan interests rates, or some rating on these loans?

i'm looking for one personal loan now and amount quite huge. what is the best rate out there?

I'm non government nor working in any glc and banks. just a normal private company.

best one i search around is 6.88% per annum.
EvoLuTioNCcF
post Mar 9 2012, 08:28 PM

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Bro, basic salary 2100 after epf become 18xx, is there any bank i can apply? I just want to apply for 6k - 10k loan. is that possible? Don't have credit card and car.
kenshin1
post Mar 10 2012, 12:29 AM

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QUOTE(mickit @ Mar 9 2012, 11:40 AM)
"Minimum income eligibility of only RM24,000 per annum"

this one i feel confusing, if basic salary not enough RM2k but over RM24000 per annum (include bonus every year) can or not?
*
can accept fixed allowance, but no for OT... if like that, use ur ea form.... u may declare income tax for thest best choice, and get the "receipt", sure there is refund or pay more...


Added on March 10, 2012, 12:30 am
QUOTE(luckykid5 @ Mar 9 2012, 04:24 PM)
just wondering if there's a page where they list down current bank loan interests rates, or some rating on these loans?

i'm looking for one personal loan now and amount quite huge. what is the best rate out there?

I'm non government nor working in any glc and banks. just a normal private company.

best one i search around is 6.88% per annum.
*
yea huge amount, max is x5 of ur mthly income... can u get that huge amount?
there's not 6.88% for private sector... 7.88% above....


Added on March 10, 2012, 12:31 am
QUOTE(EvoLuTioNCcF @ Mar 9 2012, 08:28 PM)
Bro, basic salary 2100 after epf become 18xx, is there any bank i can apply? I just want to apply for 6k - 10k loan. is that possible? Don't have credit card and car.
*
if u dont hv a ccris record for 1 year, car/house/ploan or cards.... 99% no banks will approve... u only may try HSBC... x3 of ur income.. thx

This post has been edited by kenshin1: Mar 10 2012, 12:31 AM
nxsia
post Mar 10 2012, 03:21 AM

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hai sifu...
i want to ask..it is advantages taking personal loan with 4% and putting it somewhere, asm, asw2020..etc?

syafiqhope
post Mar 10 2012, 11:59 AM

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Hi guys....

Thank god...My 20k loan from bank islam has been approved...with 3.25% 3 years tenure, alhamdulillah....smile.gif)
calvint78
post Mar 10 2012, 12:25 PM

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QUOTE(samsungXP @ Mar 6 2012, 04:49 PM)
need pl around rm15k-20.working in sg and gross salary sgd2000.basic is sgd1300.recently reject by alliance and rhb bank.got cc near to limit
*
sorry to hear that, my condition is same with u. the max they can loan u is 8k only. u try apply 8 k instead 15-20k. but my case got approve by HL. U can try HL. interest 12%.
samsungXP
post Mar 10 2012, 12:32 PM

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QUOTE(calvint78 @ Mar 10 2012, 12:25 PM)
sorry to hear that, my condition is same with u. the max they can loan u is 8k only. u try apply 8 k instead 15-20k. but my case got approve by HL. U can try HL. interest 12%.
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i ord got pl with hlb
nikqlate
post Mar 10 2012, 01:39 PM

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QUOTE(kenshin1 @ Mar 8 2012, 09:16 AM)
bro, the process of gov loan will take at least 20 days.. are u a mnc?glc?gov? y u goin for mbsb?


Added on March 8, 2012, 9:19 am
so? cos bank dont look at it.....but there is a way,declare ur income tax...get ea form, do e failing, hv to pay more? or refund?  get the receipt, very important....
so next time when u wanna apply, dont use payslip anymore...use income tax...then bank wld take ur OT as ur income..
*
my incame tax per year more than 3k ... done everything u said.... but still rejected....

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