U'll get 7.2% if your base income is very high.

If you are earning around 2-3k, the interest rate will be 11.25%.

If you are earning around 5-6k, the interest rate will be 10.25%.

And that will also depend on the amount you are borrowing, iinm.

I've applied with them and submitted last monday, and they called me up on that day for verification.

They told me that it will take 3 working days to know the result, but I think sure kena reject one la.

Hahahahha...hopefully will be approved this time.

Good to hear that. Congrats.

Now i'm keeping my fingers crossed that my PL with OCBC will be approved....

checked with OCBC just now, they said that my application is pending for final stage approval. what does that mean?

I will know either later today, or by Tuesday.

Cannot stand this wait laaaa

well well well....OCBC has approved my application, but they did not give me the amount that I asked for. Nevermind, at least it's better than nothing.

However, HSBC called me up and said that I am one of the selected customers eligible to apply personal loan with their HBSC Anytime Extra Protector (HAEP) product.

Let me give you a simple run down on this product:

Depending on the loan amount that you are applying, the interest rate may vary from 11.75% to 9.75%(if i'm not mistaken), and the repayment period is from a minimum of 2 years to a max of 5 years.

No early settlement fee will be imposed if you want to settle the loan fast, but a written notice must be given to the bank 1 month in advance, to enjoy rebates on the interest rate.

Required documents:

3 month's latest payslip, and latest EPF statement. All verifications will be done via the telephone.

Just submitted my application and now waiting for their response within 5-6 working days.

But judging from the number of loans that I already have ( 1 with RHB Easy, and another with OCBC), I doubt that it will be approved. But I'm keeping my fingers crossed.

If i'm not mistaken, it's around 11.75% to 13%. Applied this loan a year ago, with repayment period for 3 years.

But, I am going to settle this loan within this year, since I paid more than the stipulated monthly amount.

Just walk into any RHB Easy branch and hand over your IC to them for application, and once it is approved, the cash will be disbursed into your RHB savings account immediately. If you do not have a savings account with them, then they will help you to open an account for you also.

But, I am going to settle this loan within this year, since I paid more than the stipulated monthly amount.

Just walk into any RHB Easy branch and hand over your IC to them for application, and once it is approved, the cash will be disbursed into your RHB savings account immediately. If you do not have a savings account with them, then they will help you to open an account for you also.