[quote=carterlim,Aug 1 2012, 10:17 AM]
[quote=darkvader1203,Jul 31 2012, 10:18 PM]
Hi all,

My name has been sent to ccris cz i had some issue paying my PL two years back. I had three month outstanding that time cz i was unemployed but after got a job i have settled the outstanding and have been making prompt payment.

My PL was with CIMB and they have put under the special attention list. However, i have settled the total amount last week and i have received the release letter from them.

I would like apply a person loan for RM20,000. Is it possible?im looking for repayment within 3years? which bank to opt for?

My basic salary is Rm2.7k and i have no commitment at all.


Current Employment more than 1 year ? Permanent or contract staff?

[/quote]


Try Al-Rajhi bank. They're quite good and same goes for the financing rate. Also now they have a promo during Raya to defer payment 2 months. 1st timers the paper-work quite tedious as disbursement is to a new savings a/c you've to open with them. Once approved, the disbursement is really fast.

Give Al-Rajhi Bank a try. I got a loan from them and find them to be very competitive. Just ensure you provide all the documents they ask for. Also if you don't want them to call your office to verify with your HR on your employment, get a letter of confirmation from HR providing information like your tenure of service and salary, allowance etc... now AlRajhi is offering 2 months deferrment till Nov/Dec to make your first payment.

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Added on August 6, 2012, 8:38 amThat's what I did with Al Rajhi Bank. If you'r credit card outstandings isn't that bad, just do a personal loan with Al Rajhi but don't do the balance transfer. I was approved for personal financing on the 26th and money disbursed to my a/c on 27th however I am still waiting on them to effect the balance transfer to my credit cards!


This post has been edited by androool: Aug 6 2012, 08:38 AM

Well I think the bank is going to make you do a debt consolidation (balance transfer) with the PL you going to apply since youre exposure is quite high and late payment on your hire purchase. And they might also suck you dry with the interest by making the tenor of the PL longer than what you want. Al Rajhi (I only know this bank since I took a PL or technically PF(Personal Financing))... you can borrow max RM30K with a RM6K basic.

My guess would be probably so as it is also an unsecured credit facility. But don't let that deter you but you should try to figure out the reason by visiting BNM and obtaining your CCRIS report.

Most bank would offer max 5X your monthly salary. So that can lower your study loan if the interest is lower...