Personal Loan - V2, which banks offer the best deal?
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 Sep 6 2013, 06:57 PM
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#1
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Junior Member
6 posts Joined: Sep 2013 
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hi..just want to ask, if my salary doesnt come with epf socso deduction, am i still eligible for applying personal loan? just have one commitment ,asb loan, rm597 monthly ,my slary rm3.5k.. any info? tq
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Sep 6 2013, 08:17 PM
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#2
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Junior Member
6 posts Joined: Sep 2013
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haha.ur question really scred me. i do have monthly salry statement n off course bank statement for the proof of my constant income. and asset to be used as a collateral?i'm not planning into it
 .so am i eligible.. thnks 4 ur replyThis post has been edited by hyuga: Sep 6 2013, 08:34 PM |
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Sep 9 2013, 04:07 AM
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#3
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Junior Member
6 posts Joined: Sep 2013
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QUOTE(yklooi @ Sep 7 2013, 12:13 AM) yes, I think you are eligible to apply. r u sure without epf socso can? example hong leong bank personal loan Eligibility Malaysian citizen only Age between 21 to 60 years old Earn a minimal annual income of RM24,000 per annum http://www.hlb.com.my/pfs/loan/loanpl_e.jsp?flag=loanpl_f   if ca, really want to try it |
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Sep 15 2013, 03:06 AM
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#4
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Junior Member
6 posts Joined: Sep 2013
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QUOTE(Ken_HP @ Sep 9 2013, 11:40 PM) There are several income documentation If dunt have eta form 2012? Coz I just working at tht cmpny since jan 2013. The best 4 me myb option 2 only..hish Option 1 : Latest 3 months payslip + latest epf Option 2 : Latest 3 months payslip + 3 months bank statment proof showing salary credited as per payslip Option 3 : Borang Be Income Tax with tax resit 2012 * If u working under MNC/GLC or Government sector, just payslip will do. Or EA form 2012.  |
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Sep 15 2013, 03:11 AM
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#5
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Junior Member
6 posts Joined: Sep 2013
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Is it ok if I applying 2 or 3 loan with different bank at the same time.? Or it will reduce my chances to get a loan? Just dont want to waste my time waiting 4 them to reply me.
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Sep 17 2013, 04:14 AM
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#6
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Junior Member
6 posts Joined: Sep 2013
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QUOTE(Ken_HP @ Sep 16 2013, 02:42 PM) Yes u can apply more than 2/3/4/5 bank in the same time, but my advice try submit with 2 banks first. Cause once u submit your application, at the ccris record there will be total attemps of application. For Alliance Bank more than 4 application within 6 months would consider as high risk. good info..thanks  |
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