refer on this web
http://www.imoney.my/personal-loan

can anyone explain what mean :
7.60% Effective interest rate: 13.97%

got rejected because of APL_FC14 - CARD ACCOUNT : PREVIOUSLY NPL / DELINQUENT..

however that particular card has been cleared and we even have the letter stating tht account is clear...any chance of getting PL?

Hai guys. I want to apply PL for 5K only for personal reason. I'd check the aeon website and its stated rm250 for 24months. Is it ok to take aeon? Do I have any other options cause I started working at this new job last april. help pls 

Good Morning Forumer's..

I having and issue/dilemma in choosing the correct bank to apply for PL.

I shifted to a new company and its been 2 months.

Previously was working for a different organization.

Now the question is, i wanted to Apply for PL as got some debt to settle, but since this is the first time i am doing so, i am not aware of the terms and also the procedure.

Checked I-Money website and they stated for the interest and effective interest which i don't know the different.



I wanted to to apply a very minimal Loan amount (Prefer RM 5K to RM 6K but wanting RM 10K) and settle it in 1 year time as i dont wish to prolong more and delay in paying interest together as i might have other commitments comming.

I don't have any loan currently nor having a credit card.

Some of my friends said apply for CC and withdraw money from there as the interest is cheaper but from my point of view, CC means your stuck there for good ,locked and no turning back to settle as will be paying only for the interest never ending.

I Just wanted to get a very fast loan approved.

Currently in MNC
Duration : 2 Months
Which PL is secured, less interest,  easy and offers payment back system so i can settle in 1 year time with low interest and no hidden hanky panky Conditions.

I can Fork out Maximum RM 500 Monthly on top of my salary.

its my 3rd job already.. but previously i don't have epf so they say its hard to do   very stressful right now

i have balance with maybank personal loan amount 10k

im not gonna pay until 1st august where i will make full payment

how much they gonna charge me ? what i see from the website is 1% p.a

what doesnt that means ? thanks for helping .

my issue is the same as you, only thing my debt is higher. (let's just say more than RM10K)...
my commitment is only the Car loan which is slightly lower than yours.

Applied for Alliance (the same amount), and it got approved.
MAYBE you might wanna try Alliance bank

(and no, i'm not a sales agent for Alliance bank. Just happened to see your predicament and i totally understand)

I currently have 4 credit cards, used up all my credit limit CIMB = RM8000 MBF = RM5000 HLB = RM5000 AEON = RM4500 Totalling RM22500. Also have a car loan around RM680 a month. My salary is RM3500 + RM400 petrol allowance working for a Sdn Bhd company. I would like to get a loan of RM23000 to clear up all my credit cards and cancel all of them. Been trying with several banks but all got rejected which I think is due to my bad credit history. Anyone who can kindly advise me on what to do? Is it advisable if I were to get a loan from licensed money lender? Hopefully someone can help me here. Thanks.

any one know if easy rhb just rejected me, what are the chances applying for other bank.

Hi guys. I'm getting married next month and I'm quite worried about my expenditure for the marriage. Right now I have just about enough money for the  marriage but I think I need few K as back up, just in case. I'm planning to make P.L of 6k.

I'm curious, lets say I only use half of the 6k after  my marriage. Is it possible if I want to return the other half to the bank right away? or do I have to pay in fixed amount every month?

Another case is, let's say after 2-3 months I got more money and I want to pay more than the fixed monthly amount. Is it possible to do so? Thank you.

working with private sector currently. CCRIS record (other than my ptptn payment not so cantik, others are ok, i pay on time everymonth). Commitment now is hire purchase loan, & a personal loan with RHB (both good record). Credit card also never late payment(only sometimes not pay in full). Appreciate for any advise. thanks.

I just got my ccris report from bank negara. How to read it? What numbers should I be looking out for?

Hi guys,

currently I need some advise and opinion from those who had any experience about personal loan for private sector worker like me.

Last week, I have applied the personal loan with Maybank and only today I found out it was rejected (No reason why they are rejected are provided of course).

Fyi, I am working with an IT company with gross income of RM4475.00++.I have maybank dual credit card (Mastercard + Amex) which I never miss the payment every month (which I only pay the minimum payment).I also have AEON loan for electronic device which I never missed the payment.The loan amount with AEON is around RM3000.Previously, I've settled with my first loan with AEON (around RM1400 + RM3800).

Last few days ago, I did browse through few forums and they advise to check the credit status with CTOS and CCRIS.
My status with CTOS was :

SECTION A - IDENTITY NUMBER VERIFICATION
--- No Data Available Here ---
SECTION B - INTERNAL LIST/GROUP EXPOSURE
--- No Data Available Here ---
SECTION C DIRECTORSHIPS AND BUSINESS INTERESTS
--- No Data Available Here ---
SECTION D
--- No Data Available Here ---
SECTION E - TRADE REFEREES & SUBJECT'S COMMENTS
The following referees may provide trade references, on you or companies or businesses which you are or were once associated with, based on their past experience. These references are given independently, directly and voluntarily by the referees to those who may request for their reference. CTOS does not process any information provided by the referee(s).
If you like to know about the information held by the referee about you, please contact them directly.
1. REFEREE : P1.COM SDN BHD
INCORPORATION DATE : 18-04-2007
NATURE OF BUSINESS : TO CARRY ON GENERAL TRADING OF TELECOMMUNICATION PRODUCTS
ADDRESS : PACKET HUB,159,JLN TEMPLER,PETA.LING JAYA,SEL

Note : P1 service is suck at my area and I never missed the payment every month.Using P1 service for 2 years and since there are no improvement after few complaints were made, I decided to cancel the service and they wanted to charge me because I have 5 months left for the second contract.f*** that shit.I just stop using it and automatically switched it to UNIFI.Less haywire smile.gif

Since I have no time to go to bank Negara to get my CCRIS report, I am not sure if I've bad credit status (kinda worried tho) sad.gif

I have no housing loan (staying at my family's house) no car commitment as I bought it cash on last 2009 and another car was in 2012.

I have no idea why Maybank didn't approve my loan.

and oh ya, I am actually working on one year contract basis (renewable for every 1 year) in my current company for almost 3 years already.

Someone please advise me which bank should I go to apply the loan with low interest rate as I need the money to pursue my study. The loan amount that I need is RM50k. :''(

icon_question.gif icon_question.gif icon_question.gif icon_question.gif icon_question.gif icon_question.gif icon_question.gif

wonder any p.loan allowed 30k loan for 7 year for income which basic + allowance around RM2400