apply 2 times also get rejected..sien

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Added on August 26, 2011, 12:06 amlet say if my cc statement due date is 20th but i only make payment on 30th,wat the ccris will show?1 or 2?

If my gross salary around rm2100, what the max amount I can borrow? I have no cc...

I want to apply PL .. Below is the details :

Basic Salary : 5.7k
Allowance : 3k -4k
Gross salary : 9k +
Credit card : 4, highest 20k credit limit. Usage around 35k over 70k total. All less than 1 year.
Housing Loan : 2, both of it served more than 5 years. Total RM1k repayment.
Car Loan : RM650

CCRIS checked last month. All cleared. 000000000000 ...

How much I can get? and which bank offer the lowest rate?If possible I need those flexi and not flat rate as I'm waiting for my refinance disbursement then I can settle off the PL. I just need it for downpayment.

I have recently went to a few banks for personal loan applications. Unfortunately for me, I don't meet the requirements for those banks. Some only approves for Govt or GLC. Some minimum income of RM 3k per month, which I am not. And the latest is I'm not qualified due to I don't have any loans or credit cards, meaning currently I'm living a debt free life (except for MARA). Anyone can advice me on this matter ? I understand that RHB Easy is one option, but with high interest rate per annum, I wish to avoid it if possible.

if we wan apply 2nd pl from the same bank that u apply 1st pl,how long period need to wait feom your 1st loan b4 u apply for another pl?6 month or 12 month

HI Ken,

im interested in alliance bank loan.. loan shud be no problem for approval... i just got my stanchart platinum card so shud be no problem is CRISS or wahtever... i just wanna ask about the alliance bank no early settlement fee...

how come the website neva write this?? can give me more details and proof... i can apply thru you no problemo

May i know how much PL amount i can get if my salary is in RM3.6k???

Hey bro, mind to tell me which bank u referring to?

Hi,

Where can i check CTOS/CCRIS status or to clear the record? Anybody can advise?

Thanks.

guys...
its posible for salary 1k get PF/cc?
pekerja swasta.

Any recommendation for PL for around 25k for (around 500 per month installment)? A rough check through, seems that Alliance bank have the lowest, around 8.88% pa. After I check Bank Islam, seems like more lower,around 6-7% pa.Just now sure how the calculation method and application process.

hai all, im a newbie at loan and i wanna ask sumthing about car loan, i hope sifu2 can explain to me...

im interested in 2nd hand car, Honda Civic Eg6, price range is 40k, from other information, bank will not loan for an old car, but personal loan can, can i get 40k, and pay for 6-7 years, and still can go eat2 at mcd? or im absolutely wrong about this, hehe, help me sifu!

Just wanna share my experience with you guys..

Kenshin1 roughly knows what he is saying. Good advice from him.

Im 25 years old and working in the private sector.

My salary is 5k per mth and 5.5k if plus allowance.

Got 3 credit cards - 5k limit each. Total 15k limit. (already used for 1 year 6 months) - all cc got outstanding.

I also have a car - paying RM580 monthly.

Also just bought a house - paying 1250 monthly.

My CCRIS record is the best in the planet! Haha just kidding.. but definetely the best in my Taman ok.. haha! I dont have "1", "2", "3" all.. all my loans and credit cards record shows constant "0" (which means prompt paymaster) for more than a year. (ps. im a former BNM subsidiary employee, so i know how important is the need to have good CCRIS record)

Now i need to apply for about 20-25k loan. Been applying for a quite a while - RHB Easy rejected, CIMB XPress rejected, HSBC rejected, stan chartered rejected, OCBC rejected, bank islam, MBSB, & bank rakyat all offer for gov workers only. All banks couldn't give me reason for the rejections! Now im trying AEON and Maybank.. Hoping that either one will be approved.

I think they have something about me being 25 yrs old only. Maybe they are scared that im too young and wont be able to maintain my finances! Kinda pissed with all the banks now! Good credit record, prompt paymaster, ok salary but still they dont want to approve my personal loan!

Sigh... just sharing my experience.. Good luck to others!

I'm a permanent staff not contract. Previously working with BNM subsidiary for nearly 2 years. Got better offer I ciao to my new company. Currently 7 months d in my new company.

I never buy stuff using instalments. No cash on call, easypay etc etc.

How long does alliance take to process personal loan? My friend stated that Alliance very strict sure reject so i didnt even try applying with them..

Thanks for the reply btw. =)

i just read on a standard chartered website. Wanna know how the personal financing-i works. the rates are 1.53% per month. Can anyone tell me more about this?

Hi,
I am looking for a 10k loan, but my current condition is i have just recently changed job for 1 month, am i eligible to take up this amount, or even take up any loans?

Anyone took Ocbc loan here? received 2 sms this month promoting personal loan with 7.2% per annum and up to 100k without guarantor and processing fees.

i looking to make loan around 15k, with 10year repayment. I working at gomen sector but still in temporary state, need to w8 2 year before confirm.
I need the money for my weeding. Which bank i should apply and with no guarantor? BTW my net salary on 1.8k.