Do you need any Business or Personal Financial Assistance at this moment?

1. Fixed rate and flexible tenure up to 10 years
2. No hidden fees, No Guarantor or Collateral needed etc
3. Hassle free application
4. Minimum Income :RM2,000 and above
5. If business :- operate more than 1 yr
6. Must have a CCRIS record more than 1 yr
Ie: HP Loan, Mortgage(under principal owner), Credit Card or personal loan etc
7. Can go up to x10 your net income as your loan amount

I am a Personal Financing Manager from a Singapore Bank set up in Malaysia (not outsource agent), i work in the Klang Valley area, feel free to contact me on any loans needed, my hand phone number is 0133124833. I will explain the details over at the phone.

This post has been edited by ChargingScout: Jun 2 2012, 11:29 PM

ok sure, see you then.

Do you need any Business or Personal Financial Assistance at this moment?

1. Fixed rate and flexible tenure up to 10 years
2. No hidden fees, No Guarantor or Collateral needed etc
3. Hassle free application
4. Minimum Income :RM2,000 and above
5. If business :- operate more than 1 yr
6. Must have a CCRIS record more than 1 yr
Ie: HP Loan, Mortgage(under principal owner), Credit Card or personal loan etc
7. Can go up to x10 your net income as your loan amount

I am a Personal Financing Manager from a Singapore bank set up in Malaysia (not outsource agent), i work in the Klang Valley area, feel free to contact me on any loans needed, my hand phone number is 0133124833. I will explain the details over at the phone.

This post has been edited by ChargingScout: Jun 2 2012, 11:54 PM

Do you need any Business or Personal Financial Assistance at this moment?

1. Fixed rate and flexible tenure up to 10 years
2. No hidden fees, No Guarantor or Collateral needed etc
3. Hassle free application
4. Minimum Income :RM2,000 and above
5. If business :- operate more than 1 yr
6. Must have a CCRIS record more than 1 yr
Ie: HP Loan, Mortgage(under principal owner), Credit Card or personal loan etc
7. Can go up to x10 your net income as your loan amount

I am a Personal Financing Manager from a Singapore bank set up in Malaysia (not outsource agent), i work in the Klang Valley area, feel free to contact me on any loans needed, my hand phone number is 0133124833. I will explain the details over at the phone.

Do you need any Business or Personal Financial Assistance at this moment?

1. Fixed rate and flexible tenure up to 10 years
2. No hidden fees, No Guarantor or Collateral needed etc
3. Hassle free application
4. Minimum Income :RM2,000 and above
5. If business :- operate more than 1 yr
6. Must have a CCRIS record more than 1 yr
Ie: HP Loan, Mortgage(under principal owner), Credit Card or personal loan etc
7. Can go up to x10 your net income as your loan amount

I am a Personal Financing Manager from a Singapore bank set up in Malaysia (not outsource agent), i work in the Klang Valley area, feel free to contact me on any loans needed, my hand phone number is 0133124833. I will explain the details over at the phone.

i think i am most qualified to answer this question, the other guy is right, the bank is OCBC bank, 90% is for standard loan which @ BLR-2.3 or BLR -2.4, or even better rate if your house is more then 1M, the 10% is for LVS (legal, valuation and stamp duty) but also @ BLR-2.3 or BLR -2.4 , and the other 20% is called renovation loan @ BLR + 1% (this is an optional product from OCBC for extra financing on your house on renovation purposes, but basically you can use the extra cash to do anything, like i said this is optional so your brother could have not taken it, and it is actually a perk for people who need cash, taking p.loan might result to more then 7.6 p.a. and this loan is on reducing term unlike p.loan, it is a flat rate, so much cheaper then cc or p.loan, but more expensive then a normal housing loan of coarse), i know all this because previously i was from a bank too, now i have switched working as a property agent.

The above reply is to answer someone who said his brother got a 120% bank loan and asked if that's possible, but i can't find where is the post already.

This post has been edited by ChargingScout: Mar 20 2013, 02:50 PM

scoring is based on your income, credit card usage, how many months have you not paid your cc and things like that. you know why actually nobody would answer you? cause all those stuff is p&c and as a bank officer they are sometimes not allowed to reveal such things to the CM , restrictions from their top management

This post has been edited by ChargingScout: Mar 20 2013, 02:50 PM