im planning to get myself rm21k for my personal loan..which bank should i go?5-10 years of repayment...which have the lowest interests and quick approval?
Personal Loan - V2, which banks offer the best deal?
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 Oct 29 2011, 05:15 PM
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#1
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Senior Member
628 posts Joined: Mar 2009 From: Klang Valley  
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Nov 4 2011, 03:15 PM
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#2
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628 posts Joined: Mar 2009 From: Klang Valley
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QUOTE(telomasen88 @ Nov 2 2011, 01:11 PM) y is that bro? but still i need to clear my cc from my point of view bro, personal loan interests is multiple times higher than cc interests. |
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Nov 14 2011, 08:41 PM
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#3
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628 posts Joined: Mar 2009 From: Klang Valley
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i just read on a standard chartered website. Wanna know how the personal financing-i works. the rates are 1.53% per month. Can anyone tell me more about this?
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Nov 14 2011, 09:01 PM
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#4
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628 posts Joined: Mar 2009 From: Klang Valley
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QUOTE(Ken_HP @ Nov 14 2011, 08:56 PM) Are you serious? 1.53% per month ? P.A will be 18.36% ! yeah i know. crazy rate. but it will decrease by the balance amount of loan. Still considered crazy rate.  |
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Nov 14 2011, 11:26 PM
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#5
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628 posts Joined: Mar 2009 From: Klang Valley
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QUOTE(bursalchemy @ Nov 14 2011, 09:22 PM) greedy like loan shark.. If u opt to go for SC pl, let say ur record is really good. Every month u will pay less. That's the only bright side of it.   |
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Nov 15 2011, 12:32 PM
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#6
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628 posts Joined: Mar 2009 From: Klang Valley
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QUOTE(summer_ikh @ Nov 15 2011, 12:28 PM) why dont u try apply bank rakyat loan....? bank rakyat only offer to gov workers and only listed private company with their bank only. Last week already went there. |
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Nov 15 2011, 12:56 PM
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#7
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628 posts Joined: Mar 2009 From: Klang Valley
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QUOTE(summer_ikh @ Nov 15 2011, 12:47 PM) listed private co?hahaha dats y my loan not approve... they didn't tell u?? but they offer low rates rite... tomorrow going to HSBC. want to ask them about the PL. |
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Nov 15 2011, 02:33 PM
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#8
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628 posts Joined: Mar 2009 From: Klang Valley
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QUOTE(bobbey @ Nov 15 2011, 02:04 PM) Hey, later update with ur with ur PL application with HSBC.. Tomorrow ok.BTW, the reason need to go HSBC coz my loan application with CIMB got rejected. This morning they sent sms to me. Dont know what reason they reject.  |
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Nov 15 2011, 02:42 PM
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#9
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628 posts Joined: Mar 2009 From: Klang Valley
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QUOTE(bobbey @ Nov 15 2011, 02:41 PM) Currently I been waiting for the PL application answer from Alliance, yesterday they had call my office for verification. I apply through one of the forumer here. Hope can get a yes from them. A few weeks ago applied through Alliance bank. They also rejected my application. hope doesn't happen to u.This post has been edited by jayro_88: Nov 15 2011, 02:43 PM |
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Nov 16 2011, 11:28 AM
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#10
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628 posts Joined: Mar 2009 From: Klang Valley
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went to hsbc just now an already applied for the PL. They said it took 5 working days to processs it. Is it true for hsbc to take that long?
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Nov 16 2011, 12:09 PM
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#11
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628 posts Joined: Mar 2009 From: Klang Valley
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QUOTE(bobbey @ Nov 16 2011, 11:57 AM) what are the document they required? they need ur payslips and bank statements. I also gave them my offer letter. |
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Nov 17 2011, 05:43 PM
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#12
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628 posts Joined: Mar 2009 From: Klang Valley
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QUOTE(summer_ikh @ Nov 17 2011, 04:34 PM) gudluck dude...i think they will approve ur PL tis time... Hoping for a positive result this time |
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Nov 18 2011, 05:16 PM
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#13
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628 posts Joined: Mar 2009 From: Klang Valley
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Just got call from hsbc to verify my address. Think next week will know the result
This post has been edited by jayro_88: Nov 20 2011, 05:19 PM |
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Nov 21 2011, 04:41 PM
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#14
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628 posts Joined: Mar 2009 From: Klang Valley
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QUOTE(samsungXP @ Nov 21 2011, 02:36 PM) mostly your pl will approved still waiting for their callThis post has been edited by jayro_88: Nov 21 2011, 04:41 PM |
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Nov 21 2011, 09:19 PM
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#15
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628 posts Joined: Mar 2009 From: Klang Valley
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QUOTE(samsungXP @ Nov 21 2011, 07:05 PM) better is u to call hsbc to check the status.they always late to let u know the status They told me 5 working days. so thought of calling them tomorrow. hoping for the best result. |
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Nov 22 2011, 04:47 PM
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#16
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628 posts Joined: Mar 2009 From: Klang Valley
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Called hsbc this morning. they said my pl status can only be known by tomorrow only. and tomorrow is the fifth day of my personal loan. still cant stop thinking why took so long time to process one.
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Nov 22 2011, 09:30 PM
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#17
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628 posts Joined: Mar 2009 From: Klang Valley
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QUOTE(bobbey @ Nov 22 2011, 07:58 PM) My PL had been approved last Friday with Alliance bank. Thanks to one of the forumer here. But the weird thing is bank never informed me that my PL had been approved. I only know when the money had been credited on Friday. Wah..nice..been wondering why my pl with alliance bank.. got rejected |
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Nov 23 2011, 02:55 PM
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#18
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Senior Member
628 posts Joined: Mar 2009 From: Klang Valley
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QUOTE(bobbey @ Nov 23 2011, 09:13 AM) haha. hope your PL with HSBC will be approve. I thought also that Alliance bank will reject my application because they never call me, they just call for my verification last week. Called hsbc just now. they said it is still under process. today already the 5th day. Why took them soo long... |
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Nov 24 2011, 07:46 AM
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#19
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628 posts Joined: Mar 2009 From: Klang Valley
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My PL with HSBC approved. Thank god.
Added on November 24, 2011, 7:53 am QUOTE(jayro_88 @ Nov 24 2011, 07:46 AM) My PL with HSBC approved. Thank god. This post has been edited by jayro_88: Nov 24 2011, 07:53 AM |
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Nov 24 2011, 11:46 AM
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#20
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Senior Member
628 posts Joined: Mar 2009 From: Klang Valley
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QUOTE(munchinks @ Nov 24 2011, 09:39 AM) Good to hear that. Congrats. thanks. goodluck with ur PL with OCBC. Now i'm keeping my fingers crossed that my PL with OCBC will be approved....  |
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