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 Personal Loan - V2, which banks offer the best deal?

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mcfeemo
post Jul 13 2013, 10:15 PM

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QUOTE(arsenal @ Jun 26 2013, 09:51 AM)
citibank just offer me 3.6% per annum for personal loan....should i take>
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I want the contact too!!! Please share!!! icon_question.gif
mcfeemo
post Jul 14 2013, 12:24 AM

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QUOTE(arsenal @ Jul 13 2013, 11:57 PM)
They quoted me because I have no outstanding balance...
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Can recommend me to him??
mcfeemo
post Jul 28 2013, 02:06 AM

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Im looking for the lowest personal loan
mcfeemo
post Jul 28 2013, 12:14 PM

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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?
mcfeemo
post Jul 28 2013, 02:21 PM

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QUOTE(heizad @ Jul 28 2013, 01:36 PM)
better get asb loan then...
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asb loan interest is not fixed right?

it fluctuate... i sense a risk there
mcfeemo
post Jul 28 2013, 02:36 PM

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QUOTE(lye7899 @ Jul 28 2013, 02:32 PM)
Hi, I think everyone is looking for the lowest rate but they forget about eligibility.

I tried several banks and they all reject my application due to my bad record.  At last, i end up with one of the highest rate but at least I got what I want. No complain there. 

smile.gif
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i dont hv any bad record at the moment... first time applying for personal loan... any recommendation? notworthy.gif
mcfeemo
post Jul 28 2013, 08:18 PM

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QUOTE(lye7899 @ Jul 28 2013, 02:39 PM)
What is your monthly salary? Private/Govt sector? Commitment?  biggrin.gif
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4k++ salary working with public listed company.... Commitment only for my car loan... But dad is paying becoz mum is using the car..

This post has been edited by mcfeemo: Jul 28 2013, 08:36 PM
mcfeemo
post Jul 30 2013, 05:12 PM

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QUOTE(lye7899 @ Jul 28 2013, 10:48 PM)
So long as your HP payment record is good and the amount you wish to apply is not too excessive, you should not have problem getting the loan.

BTW why you are applying for loan as your pay is good and you are in debt?  hmm.gif
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Wanna consolidate few debts into a debt.... sweat.gif
mcfeemo
post Aug 1 2013, 03:09 PM

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Anyone applied citibank ready credit paylite loan before??
mcfeemo
post Aug 1 2013, 09:42 PM

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QUOTE(lye7899 @ Aug 1 2013, 07:47 PM)
Heard that interest is sky high and not easy to get  hmm.gif
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hmmm but its lower than maybank and rhb and ocbc
mcfeemo
post Aug 3 2013, 05:36 AM

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QUOTE(Denzy @ Aug 3 2013, 12:21 AM)
Applied for RM60k P/L from Hong Leong Bank but rejected due to CCRIS not being "enough"/"strong". I bought a house recently on January and only have one credit card (forced to take because of the house loan).

My income: RM8k a month, self-employed.
No other commitment except for the house, which is under DIBS and only have to start paying in 3 years time, and a credit card which is paid off every month.

The reason for the P/L is for temporary emergency, actually I only need RM30k but the loan officer recommended me to write in RM60k, lol.

Who else should I try?
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if im not mistaken... PL is up to 5 times your salary right? ... in your case 8k x 5 = 40k hmm.gif
mcfeemo
post Aug 3 2013, 12:26 PM

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QUOTE(Denzy @ Aug 3 2013, 09:40 AM)
That's what I thought too, but since the loan officer asked to try RM60k, so why not I thought.
My case is like this, I might need this emergency fund of RM30k sometime in September, but I'd really like to repay the loan off this year (I got a lumpsum of money coming in end of the year), however if I apply for 6 months P/L, my commitment will seems higher at like atleast RM5k a month, so I planned to get 3 years P/L of RM30k but settle it in 6 months.
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you can try alliance bank... currently im applying for it too... for repayment under 3 years.. u can get 7.88

the agent is somewhere in this thread too.. haha
mcfeemo
post Aug 14 2013, 09:07 PM

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QUOTE(Ken_HP @ Aug 14 2013, 08:41 PM)
If u are looking for business loan, your name must be in the company ssm registration.
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enterprise can bro?
mcfeemo
post Aug 17 2013, 01:05 PM

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QUOTE(Seremban_2 @ Aug 17 2013, 07:34 AM)
How much is personal loan interest rate will be if I tak 3 years? I saw people signature alliance offering 8.99% interest rate which is really high.

Is it true 8.99%?
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If utake more than 3 years for repayment ... it will behigher... currently alliancePL is offering 7.88% for repayment below than 3 years
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