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

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~Battousai~
post Jul 11 2012, 01:56 PM

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QUOTE(locomotive @ Jul 10 2012, 10:24 PM)
Max amount u can get is RM120k. Subject to ur net income or existing deduction n tenure of loan. Current best rate is 3%-4%.
Pls check ur inbox.

Added on July 10, 2012, 10:33 pm
Max u can get is RM150k-RM200k, tenure 15-20 years (depending on which bnk u r applying with).
I can help u apply loan without using biro angkasa. Loan rate is 3-4%.

Check ur inbox

Added on July 10, 2012, 10:43 pm

Im an loan agent. Bank rakyat latest rate is 4.95% for 20years. Repayment method is salary deduction via biro angkasa or via your HR provided company u r attach to is a bank rakyat panel
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what company is 3-4 %?



This post has been edited by ~Battousai~: Jul 13 2012, 09:17 AM
Aqidah
post Jul 11 2012, 02:07 PM

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QUOTE(locomotive @ Jul 10 2012, 10:24 PM)
Max amount u can get is RM120k. Subject to ur net income or existing deduction n tenure of loan. Current best rate is 3%-4%.
Pls check ur inbox.

Added on July 10, 2012, 10:33 pm
Max u can get is RM150k-RM200k, tenure 15-20 years (depending on which bnk u r applying with).
I can help u apply loan without using biro angkasa. Loan rate is 3-4%.

Check ur inbox

Added on July 10, 2012, 10:43 pm

Im an loan agent. Bank rakyat latest rate is 4.95% for 20years. Repayment method is salary deduction via biro angkasa or via your HR provided company u r attach to is a bank rakyat panel
*
Can PM me specs for personal loan..which bank is the best ? Lowest interest rate..

Already tried with MBSB but cant get it coz not fully gov.

Working with IWK (GLC)..salary of 1.8k basic icon_rolleyes.gif
SUSpetersiow
post Jul 11 2012, 02:46 PM

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hi guys...

Wan to get some advise from you all..

I wan get a personal loan, but i dont have any loan in hand rite now.. but i have a credit card which use less than 6 month.

in additional, I recently work as a free lance. but i got declare income tax last year.

is there any way to get personal loan? which bank can recommend?


pm me pls...
hamas86
post Jul 11 2012, 09:14 PM

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hai /k
anyone here know which bank offer the best rate for personal loans?
im gonna get 50k loans for 3 years...the best rate so far i know is bank islam which is 2.36 for 3 years...which is about 1.5k per month...
pls help me...if anyone here from bank islam pls clarify regarding this matter and can u pm me the detail regarding the process?

tq...
~Battousai~
post Jul 12 2012, 03:29 PM

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guys wanna ask .. how to get that 3 months bank statement ?? im with maybank
ajai_fza
post Jul 12 2012, 04:50 PM

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QUOTE(~Battousai~ @ Jul 12 2012, 03:29 PM)
guys wanna ask .. how to get that 3 months bank statement ?? im with maybank
*
If you have registered with Maybank2U, you can print it out online for 3 months statements. If you need more than that, you might need to drop by at any Maybank branch and request for it. It takes around 1-2 working days depends on the branch's load. I somehow got it in 2 days.
edmundwong
post Jul 16 2012, 08:26 AM

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QUOTE(hahanep @ Jun 27 2012, 08:18 PM)
Any bank can offer p.loan for amount of 30k?please let me know..
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you may send me a email at alliancefinancing_i@yahoo.com

Added on July 16, 2012, 8:28 am
QUOTE(narsj @ Jun 26 2012, 10:29 AM)
Hi guys,

I need PL for RM30K. Details :

23YO,
Never make any loan before,
Product Consultant (But working through agency),
Basic RM2.5K,
Working for 7+ months (Permanent).

If possible i dont want to use any guarantor, but if they need one i hv a family member working in gov sect.

Which bank currently offer the lowest interest rate? Please PM me.
*
you may send a email at alliancefinancing_i@yahoo.com , so that i can forward you more detail

This post has been edited by edmundwong: Jul 16 2012, 08:28 AM
yuvster
post Jul 16 2012, 11:23 AM

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Hi, I'm wondering, my net income is approximately 1.9k and I'm looking to secure a RM5k loan but I don't have any other commitments right now (no credit card or house or car loan) and I'm wondering if there's any banks which you can suggest which would be best?
chan528
post Jul 17 2012, 08:17 PM

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pls help ..... i have apply ocbc personal loan for 50k but today the bank offices call me and i answer it wrong when the offices ask me which place that i summit my doc... how ? still can approve ? sad.gif doh.gif

azmi77
post Jul 17 2012, 08:21 PM

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i think it should be no problem...
Kaka23
post Jul 17 2012, 08:25 PM

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Why you can answer wrongly lei? Not enough coffee?
chan528
post Jul 17 2012, 08:31 PM

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QUOTE(Kaka23 @ Jul 17 2012, 08:25 PM)
Why you can answer wrongly lei? Not enough coffee?
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yaloh..... so how still can approve?
Kaka23
post Jul 17 2012, 09:14 PM

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Can lah.. Small matter only. If you meet their criteria of taking the 50K loan la. Mainly the see income and other loans to judge..
dark-venus
post Jul 17 2012, 09:28 PM

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shud be no problem. If got problem also they will contact the PIC who submit ur case for u.
kurakurasetan
post Jul 18 2012, 01:53 AM

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Hi, question. I applied for 100k loan with Bank Islam but then they said since this would be my 1st time taking out loan, they checked with Bank Negara and they don't have any record of me having any previous loan so they can only approve 30k. But then again some people said I shouldn't have any problem in applying the 100k loan which causing further confusion to me. Anyone have any idea?

My basic salary would be 4k, permanent staff at a glc, but only 8+ months in the company (confirmed though), no commitment.
ciahcra
post Jul 18 2012, 10:01 AM

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I want to apply RM12k loan. Currently employed with basic salary around 3k, with commissions every quarter. I don't have any other commitment beside CC and ASB loan.

I'm looking a loan with lowest rate possible and longest tenure possible, with flexibility to settle early without incurring any penalties. Is there any such loan around? thanks
lahm
post Jul 18 2012, 12:15 PM

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QUOTE(cshaopin @ Apr 9 2012, 01:33 PM)
Just went to Al Rajhi Bank (Puchong Branch) for PL enquiry:

Eligible: 5x your gross salary
Interest: 7.25% P.A
Max tenure: 5 years
Amount range: RM2000 - RM56000

Documents required:
I.C.
3 months payslips (Either endorsed Certified True Copy by your HR, or you bring the original Carbon Copy with Company Logo to Al Rajhi Bank)
3 months bank statement (Your active bank where you receives your salary)
Your company's offer letter & confirmationi letter

Upfront charges (Mandatory):
Stamp Duty: 0.5% of total loan amount
Delivery Charges: RM250
Takaful insurance: Depend on loan amount. Range approx. RM30 - RM200
Amanah Raya Will Writing: RM350 (This became mandatory now. Website's info is outdated.)

THIS RATE IS VALID UNTIL END OF MAY 2012.
There's a side requirement that you need to work for your current company at least 6 months & your previous company at least 2 years as minimum. Also you must work within the same industry/field.

I didn't pass the last requirement sad.gif So I shared these info here hope to help some others.
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rate still 7.25% nod.gif
daisyU
post Jul 18 2012, 02:33 PM

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You can always feel safe getting a personal loan because it means that you are being protected by legislation. Before cash advance stores, there were loan sharks. Those sharks might be really hazardous and scary. It would be a shame if we digressed back to that due to some regulation put in to prevent payday loan lenders from operating.

This post has been edited by daisyU: Jul 18 2012, 02:33 PM
hoax
post Jul 18 2012, 11:58 PM

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dear all..
i have 2 credit card which have outstanding amount total RM10k
i need PL of 12k - 15k with lower interest.
my salary is 3k and i have quite high commitment

Please PM me.
ciahcra
post Jul 19 2012, 09:42 AM

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No agent wants to offer me loan of RM13-15k?


I'm looking for one with monthly payment not more than RM300, so either:


a) lower rates
b) lower loan amount (but not less than RM13k)
c) longer tenure (with option to settle early without incurring penalty)

if any of you have info on such loans, let me know.

thanks.
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