Am I still eligible to apply for another p.loan if I had an existing one with another bank ?
Personal Loan - V2, which banks offer the best deal?
Personal Loan - V2, which banks offer the best deal?
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Feb 9 2012, 10:00 PM
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#1
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Senior Member
3,394 posts Joined: Jan 2003 From: Kuala Lumpur |
Am I still eligible to apply for another p.loan if I had an existing one with another bank ?
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Feb 10 2012, 09:08 AM
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#2
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3,394 posts Joined: Jan 2003 From: Kuala Lumpur |
QUOTE(agenloan @ Feb 10 2012, 01:23 AM) yup depend on your department, mostly FULL AG 60% and state/agecies also have 30% only allow Thanks for the reply. But I don't really get what you mean by FULL AG ?Added on February 10, 2012, 1:35 am PL Bank Rakyat only allow for their panel bank, but i also found one or two agent before this can submit to bank rakyat although non panel. All bank, KFH, and KOOP Yayasan Perlis/MBSB may allow PL for private sector if their company allow to make deduction thru Biro Angkasa, like Malaysia Airport and below Added on February 10, 2012, 1:38 amSorry Picture cant zoom, if u want to see list private company may apply PL thru Biro Angkasa, please click my siggy Does that means that the possibility is pretty low ? .. |
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Feb 11 2012, 09:40 AM
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#3
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3,394 posts Joined: Jan 2003 From: Kuala Lumpur |
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Feb 13 2012, 11:35 AM
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#4
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3,394 posts Joined: Jan 2003 From: Kuala Lumpur |
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Feb 18 2012, 08:18 PM
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#5
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3,394 posts Joined: Jan 2003 From: Kuala Lumpur |
Guess I will give it a try with the RHB Easy-Loan ..
Current awaiting for feedback from Alliance Bank .. |
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Feb 22 2012, 10:49 AM
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#6
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3,394 posts Joined: Jan 2003 From: Kuala Lumpur |
Got rejected from Alliance Bank .. Which bank should I try on next ?
1. HSBC Islamic 2. Standard Chartered 3. RHB Easy ... ? |
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Feb 22 2012, 11:00 AM
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#7
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QUOTE(cracksys @ Feb 22 2012, 10:54 AM) once you're rejected, your chance to be rejected again are higher within 6 months. If that's the case - perhaps I should hold my horses .. was told by some BNM guy because your history for loan application are listed in your CCRIS record. Need to focus on the way of settling all my outstanding CC debts .. sigh .. |
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Feb 23 2012, 09:05 AM
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#8
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3,394 posts Joined: Jan 2003 From: Kuala Lumpur |
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Feb 23 2012, 09:16 AM
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#9
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QUOTE(timesrun @ Feb 23 2012, 09:13 AM) Any bank will do. You guys can choose any bank and i can assist to proceed. You got the 80-90 percent possibility of success if the documents provide is good and fullfilled. Thanks for the clarification. Seems that lately more and more people are involve in such job scope .. 80 - 90% of success rate ? How about just recently got rejected by one of the banks .. |
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Feb 23 2012, 09:25 AM
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#10
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Feb 23 2012, 11:18 AM
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#11
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QUOTE(joycelsq @ Feb 23 2012, 10:04 AM) hi guys, is there any bank can offer me interest rate lower than 7% p.a. ? So far the lowest rate I can see is approx. 8.88% pa .. thanks. Added on February 23, 2012, 10:04 ami have definitely very good record!! and i think i can definitely get approval of the PL.... |
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Feb 23 2012, 01:08 PM
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#12
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QUOTE(kotaklalala @ Feb 23 2012, 12:48 PM) hye...can bank approve my pl since im moving to new company, this company didnt pay epf, ady working 2 mnth now, have cc...cl 7k, can? Perhaps you will need to submit the relevant documents to support your application such as Bank Statement / Last 3 Months Pay Slip / KWSP Statement / EA Form .. |
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Feb 24 2012, 09:21 AM
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#13
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QUOTE(peeyaw @ Feb 24 2012, 08:53 AM) i need personal loan of 5k repayment of 4-5 yrs... current salary RM2.5k but next mth onwards there will be increment to RM3.25k as i have been confirmed as a permanent staff but i have not received my confirmation letter yet... Perhaps you should wait till you are presented with the confirmation employment letter. It will increase the possibility of the loan been approved - of course with the support of other relevant documents. is it possible for me to apply? Need help for those who does personal loans for banks do pm me the lowest possible rates.. thanks |
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Feb 28 2012, 10:59 AM
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#14
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3,394 posts Joined: Jan 2003 From: Kuala Lumpur |
I believe nowadays the approval rate is getting lower as the rules & regulations getting tight ..
Same goes to the hire purchase loan as well ... |
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Mar 8 2012, 12:34 PM
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#15
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3,394 posts Joined: Jan 2003 From: Kuala Lumpur |
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Mar 14 2012, 11:10 AM
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#16
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3,394 posts Joined: Jan 2003 From: Kuala Lumpur |
No sign of anyone who got their application approved for p.loan ?
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Mar 18 2012, 11:18 AM
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#17
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QUOTE(lyky82 @ Mar 16 2012, 08:39 PM) Just got rejected by RHB Easy and Maybank Personal Loan. Mind to share with us on your current commitments ?Require 6k Personal Loan for clearing some debt. Anyway that i cant get any Loan from bank? Current salary = RM 4800. Starting Next month switch job will be RM 6000. Please PM Me. Thank you With such salary payout should be able to apply for a p.loan .. how about your repayment table consistency ? |
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Mar 19 2012, 02:32 PM
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#18
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QUOTE(lyky82 @ Mar 18 2012, 01:44 PM) Car loan = RM 900. Perhaps your previous history on handling the CC doesn't really sound promising to them. Try other bank perhaps ..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. |
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Mar 20 2012, 02:15 PM
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#19
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3,394 posts Joined: Jan 2003 From: Kuala Lumpur |
QUOTE(ReAcTiVo @ Mar 20 2012, 10:55 AM) 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 now processing AL-Rajhi bank later after work i submit the AEON Personal loan also. Possibility around 8,000.00. seems impossible to get that amount can give me advice or solution? thanks With your current commitment level I believe its abit difficult. Good Luck ! |
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Mar 24 2012, 04:51 PM
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#20
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3,394 posts Joined: Jan 2003 From: Kuala Lumpur |
QUOTE(vgodmax @ Mar 24 2012, 01:44 PM) Is there limit for personal loan, if 100K is possible? 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. What's the best available rate now? From which bank? |
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