Hi I would like to ask about bank personal loan. I'm working for my parents with salary rm1500-2300 per month depends on the commission I get. The first thing I want to ask is that I don't have EPF, socso . But I have salary slip , bank statement , and stuff to prove that I work for the company and also my income. So I want to get a rm8000 loan to run a small car wash centre. What do you guys think ? Will the bank approve or reject ?

Totally no chance to be approved?

Hi I'm working for my parents and got a company . Salary rm1600-2300. First thing is I don't have a EPF socso or much documentation . I would try to get a ploan from bank around rm8000. I have salary slip, working paper to prove that I'm working for the company and also bank statement to prove my monthly income. So what is the chance I will be approve from the bank ? Or can someone suggest what bank I should try with this kind of situation?

3 days ago I went to the rhb bank and apply personal loan . And with the calculation of my salary I can loan up to 40k with 7 year payment . I told them I don't have EPF and they say it's ok as long my bank statement match my salary pay slip. But I only apply for 20k loan. Do you think I can get approved from the bank ? What's the chance ? I have no commitment . And also I apply credit card with public bank because I'm public bank user so I think should be easier to be approved because every month my salary will be paid to my public bank account . My salary are 2300 by the way . Please let me know the chances so I get prepare to look for other bank. Or is there any other bank doesn't need EPF ?