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Personal Loan - V2, which banks offer the best deal?
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heizad
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 Sep 4 2012, 02:34 PM
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QUOTE(deathcythe @ Sep 3 2012, 07:38 PM) Hi. I'm looking for a personal loan. But already rejected by 4 banks. MBB, Al-Rajhi, RHB Easy & Hong Leong. They say reason is i didn't have any credit history. Details: Working: Private. Salary: RM 8000. Car Loan: RM 650. Bought February 2012. Credit Card: 1. Never late payment. Start using March 2012. Anyone can help? Thanks in Advance. perhaps ur credit history is not even reach 1 year yet maybe? |
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heizad
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Sep 4 2012, 06:25 PM
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QUOTE(deathcythe @ Sep 4 2012, 06:22 PM) yes that what they tell me... but is it possible i can get a personal loan or i have to wait...  usually the most minimum they need to track your credit history is 6 months.. |
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heizad
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Mar 20 2013, 10:13 PM
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QUOTE(aiman04 @ Mar 20 2013, 08:09 PM) Just one question, I have only 2 commitments with bank, but in CCRIS report for one of them is showing as follows: Mar = empty Feb = 0 Jan = 0 Dec = 0 Nov = 0 Oct = 0 Sep = 1 Aug = 1 Jul = 1 Jun = 2 May = 2 Apr = 1 What are my chances getting approved by RHB Easy? Commitment is not a problem because total commitment is only 20% of my salary (amount to apply is only one month of my salary actually) Also, is it true once rejected, you can't apply again for 6 months? Thanks, any experts willing to answer is very much appreciated. i guess u just wait for 1 more month to get at least 6 months of 0 at least for rhb easy.... |
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heizad
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Jul 25 2013, 07:34 AM
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is it possible CCRIS only shows the remaining principal before adding the interest for the current month?
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heizad
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Jul 28 2013, 01:36 PM
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QUOTE(mcfeemo @ Jul 28 2013, 12:14 PM) if i take personal loan at 6% - 6.5% ... then put into asb which return will be around 7% - 9%... do you guys think it worth? better get asb loan then... |
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