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

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HughieRmX
post Mar 19 2012, 02:32 PM

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QUOTE(lyky82 @ Mar 18 2012, 01:44 PM)
Car loan = RM 900.
Credit card payment = RM 160.

I guess probably due to last time my credit card burst.

Any idea quick way to get it solved?

I need some cash for investment.
*
Perhaps your previous history on handling the CC doesn't really sound promising to them. Try other bank perhaps ..
aku46
post Mar 19 2012, 02:41 PM

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QUOTE(chadmus_ska @ Mar 19 2012, 01:07 AM)
nowdays,some applicant apply the personal loan to use for their marriage..imho this way is not a wise decision because new married couple will need a lot of cash after their 'kenduri' rather than splash the cash to organise grand wedding 'kenduri' especially malay..in the end it wilk be a burden for them to start their new life with huge debt ..
*
its not for grand wedding la..just to pay duit hantaran..mahal ma sekarang smile.gif
Princess Anna
post Mar 19 2012, 10:03 PM

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QUOTE(lyky82 @ Mar 18 2012, 01:44 PM)
Car loan = RM 900.
Credit card payment = RM 160.

I guess probably due to last time my credit card burst.

Any idea quick way to get it solved?

I need some cash for investment.
*
Do you have any commitment for housing loan?
ReAcTiVo
post Mar 20 2012, 10:55 AM

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hmm.gif hmm.gif

Sdn Bhd Company.

Salary: below 2k
Car Loan : 430
Personal Loan (CIMB) : 310 (RM3,000.00 one year tenure, now left 5 months)

Previously have a bad credit card record (Maybank) & personal loan (also CIMB). but, its all clear now & i take that 3000 personal loan (car loan is before personal loan taken & after the clearing the bad credit card record, personal loan).
now my family need the money urgently. yesterday already applied RHB easy but kena reject on the spot sad.gif
now processing AL-Rajhi bank later after work i submit the AEON Personal loan also.
Possibility around 8,000.00. hmm.gif
seems impossible to get that amount sweat.gif

can give me advice or solution?
thanks smile.gif
HughieRmX
post Mar 20 2012, 02:15 PM

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QUOTE(ReAcTiVo @ Mar 20 2012, 10:55 AM)
hmm.gif hmm.gif

Sdn Bhd Company.

Salary: below 2k
Car Loan : 430
Personal Loan (CIMB) : 310 (RM3,000.00 one year tenure, now left 5 months)

Previously have a bad credit card record (Maybank) & personal loan (also CIMB). but, its all clear now & i take that 3000 personal loan (car loan is before personal loan taken & after the clearing the bad credit card record, personal loan).
now my family need the money urgently. yesterday already applied RHB easy but kena reject on the spot  sad.gif
now processing AL-Rajhi bank later after work i submit the AEON Personal loan also.
Possibility around 8,000.00. hmm.gif
seems impossible to get that amount sweat.gif

can give me advice or solution?
thanks  smile.gif
*
You are looking forward to fetch RM8K .. hmm.gif
With your current commitment level I believe its abit difficult. Good Luck ! smile.gif
vgodmax
post Mar 24 2012, 01:44 PM

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Is there limit for personal loan, if 100K is possible?

What's the best available rate now? From which bank?
HughieRmX
post Mar 24 2012, 04:51 PM

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QUOTE(vgodmax @ Mar 24 2012, 01:44 PM)
Is there limit for personal loan, if 100K is possible?

What's the best available rate now? From which bank?
*
That depends on your financial background .. whether is it capable of supporting such amount's repayment. Will be advisable if you can consult the bank directly via walk in to meet up with the loan officers. smile.gif
edmundwong
post Mar 26 2012, 08:24 AM

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QUOTE(vgodmax @ Mar 24 2012, 01:44 PM)
Is there limit for personal loan, if 100K is possible?

What's the best available rate now? From which bank?
*
you can drop me your email to alliancefinancing_i@yahoo.com so that i can send you more detail .Thanks
PyanZ
post Mar 26 2012, 08:07 PM

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QUOTE(vgodmax @ Mar 24 2012, 01:44 PM)
Is there limit for personal loan, if 100K is possible?

What's the best available rate now? From which bank?
*
i got offer from mbsb when u get the rm100k loan..then u can get the special promotion rates at 3.99%..
vgodmax
post Mar 26 2012, 09:40 PM

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QUOTE(PyanZ @ Mar 26 2012, 08:07 PM)
i got offer from mbsb when u get the rm100k loan..then u can get the special promotion rates at 3.99%..
*
This is a good deal! However, is this only for housing loan? What are the requirements?
HughieRmX
post Mar 26 2012, 09:43 PM

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QUOTE(PyanZ @ Mar 26 2012, 08:07 PM)
i got offer from mbsb when u get the rm100k loan..then u can get the special promotion rates at 3.99%..
*
rates at 3.99% .. that's a very good one !
Mind to share more about your loan terms and conditions ... biggrin.gif
PyanZ
post Mar 27 2012, 07:16 AM

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QUOTE(HughieRmX @ Mar 26 2012, 09:43 PM)
rates at 3.99% .. that's a very good one !
Mind to share more about your loan terms and conditions ... biggrin.gif
*
http://www.mbsb-online.my/index_files/MBSB_Xchange.htm
the promotion until end of this year

the condition is u must do overlap..if ur overlap below rm30k then u can't get the 3.99% unless u take 100k loan
HughieRmX
post Mar 27 2012, 08:54 AM

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QUOTE(PyanZ @ Mar 27 2012, 07:16 AM)
http://www.mbsb-online.my/index_files/MBSB_Xchange.htm
the promotion until end of this year

the condition is u must do overlap..if ur overlap below rm30k then u can't get the 3.99% unless u take 100k loan
*
Thanks for sharing the link .. appreciate it very much. smile.gif
lawt2845
post Mar 27 2012, 02:58 PM

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looking for personal loan

monthly income 6k
good pay master for hse, car and credit card payment

dear officers,please pm me - interest rate and tenure

Thanks
shiyau
post Mar 27 2012, 05:04 PM

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wanna get a personal loan 13k with 3 years tenure.

Just checked with Hong Leong bank it's 1% per month or 12% per year. However, Hong Leong bank gives rebate of 20% if you pay your installment every month not later than due date.. Just wondering is there any other bank that gives better offer?
singdreams
post Mar 27 2012, 07:49 PM

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Citi bank ready credit 14% per annual is very good too ? ready cash ~~ can take the cash whenever you want .
Mr.Audi
post Mar 27 2012, 08:09 PM

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Hi,I would like to ask about personal/business loan.Am i eligible to get the loan as i am 20 only ?Monthly salary is Rm3-6k as i am self employed.Got 2 business.1 is used car dealer(Small,few cars only,but overturn per month is Rm50-80k).Another is car wash business(2 shareholder include me).

Anyway,Loan for Rm10-20k and 1 years settle.Possible?

This post has been edited by Mr.Audi: Mar 27 2012, 08:11 PM
singdreams
post Mar 27 2012, 08:15 PM

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QUOTE(Mr.Audi @ Mar 27 2012, 09:09 PM)
Hi,I would like to ask about personal/business loan.Am i eligible to get the loan as i am 20 only ?Monthly salary is Rm3-6k as i am self employed.Got 2 business.1 is used car dealer(Small,few cars only,but overturn per month is Rm50-80k).Another is car wash business(2 shareholder include me).

Anyway,Loan for Rm10-20k and 1 years settle.Possible?
*
Maybe u can try MBSB loan ? Bank loan definitely won't get the approval as they're very strict on this

need to have this, need to have that ~~
Princess Anna
post Mar 27 2012, 11:00 PM

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QUOTE(Mr.Audi @ Mar 27 2012, 08:09 PM)
Hi,I would like to ask about personal/business loan.Am i eligible to get the loan as i am 20 only ?Monthly salary is Rm3-6k as i am self employed.Got 2 business.1 is used car dealer(Small,few cars only,but overturn per month is Rm50-80k).Another is car wash business(2 shareholder include me).

Anyway,Loan for Rm10-20k and 1 years settle.Possible?
*
what i understand is the minimum age for applying ploan should be 21 & above. smile.gif
Phoeni_142
post Mar 27 2012, 11:03 PM

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QUOTE(Mr.Audi @ Mar 27 2012, 08:09 PM)
Hi,I would like to ask about personal/business loan.Am i eligible to get the loan as i am 20 only ?Monthly salary is Rm3-6k as i am self employed.Got 2 business.1 is used car dealer(Small,few cars only,but overturn per month is Rm50-80k).Another is car wash business(2 shareholder include me).

Anyway,Loan for Rm10-20k and 1 years settle.Possible?
*
age would be an issue, as u r not yet 21

how many years have u been operating your business? rule of thumb is about 2 years operating history.

in terms of documentation, just be prepared with your Borang B and 6 months bank statements first....

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