Hi,

Let say my salary able to grant me for 50k PL.

I know it not wise to get a loan just to cover your old debt but due some reason I need to reduce my monthly payment.

I have a CC which the outstanding is 0 but have two balance conversion. I never had problem with overdue payment for CC before and previously few time manage to settle my others CC and close the CC. Now only left one CC.

I also have a hire purchase which on November I have 2 month outstanding but manage to clear it and no overdue payment since then.

I also have a PL from al-rajhi and do not have any overdue.

Will I be able to get approval for the 50K PL? I know I have a bad record due to the 2 month outstanding.

If let say 50k approved (which I tend to do 10 year repayment; monthly around RM625), will I have problem later when I want to get home loan?

please advice.