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

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nokiaXP
post Aug 19 2011, 11:16 PM

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QUOTE(xing87 @ Aug 19 2011, 08:25 PM)
Hello,
Currently our bank offering a personal loan whereby no guarantor or collateral needed. While the interest can be as low as 0.86%. The loan amount can be up to RM150,000. You have to have a credit card more than 1 year to be eligible to apply for this loan. No document is needed except your IC. It is very convenient and hassle free.

You can contact me at this number 010-2254342 Tommy.
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me currently using scb platinum visa around 9 month.can i apply pl using this cc?
nokiaXP
post Aug 24 2011, 08:03 AM

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citibank dial for cash is only offer to u if u got their cc.
nokiaXP
post Aug 24 2011, 12:44 PM

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go to rhb apply for pl but asking me all those pay slip and company letter.i been holding 2 cc more than 1 year.i heard ppl say juz need ic for apply rhb pl

nokiaXP
post Aug 24 2011, 01:36 PM

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QUOTE(loan_application @ Aug 24 2011, 12:51 PM)
Ya, if you holding RHB credit card, Current Account
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others bank also no need
nokiaXP
post Aug 26 2011, 12:03 AM

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QUOTE(Ken_HP @ Aug 25 2011, 09:14 PM)
Good day,

Need cash ? Business loan ? Cash rolling ? Investment ? Private usage ?
Alliance Bank Personal Financing ( Personal Loan / Business Loan )

-0.74% Per Month, FLAT RATE

-Min Rm5000 - Rm150,000 ( 5k - 150k )

-Processing Fees, Stamp Study, Insurance, Early Settlement Fees ALL WAIVED

-100% payout

-No hidden charges

-No guarantor needed.

-1-7 Years Installment Available

-Private sector & government can apply

-21 - 60 years old

-1 Day AIP Approval
Document Needed To Apply :

1) If you do have a credit card above 1 year usage, you just need to submit IC & fill up form only.
2) For no credit card client, you must at least have 1 year car loan, house loan or any loan from bank to apply for this loan.

a) Latest 3 months pay slip and EPF or bank statement
b) IC
c) Fill up form
Everything can go thru by FAX or EMAIL !

Should you require further enquiries/assistance, kindly contact Ken @ 012-9371314
DIRECT UNDER BANK ! NO WORRIES !
*
apply 2 times also get rejected..sien


Added on August 26, 2011, 12:06 amlet say if my cc statement due date is 20th but i only make payment on 30th,wat the ccris will show?1 or 2?

This post has been edited by nokiaXP: Aug 26 2011, 12:06 AM
nokiaXP
post Aug 27 2011, 01:57 AM

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i heard hsbc pl if u have repayment not so good also they still approved,it is true?compare to others bank like cimb,maybank.why i apply rhb bank they asking for all the document?but ppl juz need to summit ic


Added on August 27, 2011, 2:11 amsome ppl are apply pl to settle theirs cc outstanding.but pl hard to approved if u got high outstanding balance on your cc.then how the solution to get your pl approved?

This post has been edited by nokiaXP: Aug 27 2011, 02:11 AM
nokiaXP
post Aug 27 2011, 10:22 PM

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QUOTE(kenshin1 @ Aug 27 2011, 04:34 PM)
i said already.. maybank and cimb, their ploan are so aggresive... approval strange abit....can rej u without any reason, even if u r good quality customer...

rhb not so easy anymore, start bleeding already, and start to play safe...

i dont about that.. epp is sdn bhd..but not ah long... some people say use epp first then apply ploan from bank.. but im not sure about this, if u hv try it, let me knw haha... i just knw, if u hv hlb card, hv done epp, but when next time u wanna apply something, they wont approve so easily... confirm, cos my customer is meeting the prob now...


Added on August 27, 2011, 4:36 pm

sorry, forget about to answer 1st quest..

hsbc and ocbc, their ploan is the most unique one... if u hv late payment, once u hv settle it, can approve ur loan.. but still hv chances, not 100%, not like other banks, bad record in last 12mth, no matter u hvnt settled it.. still rej.. hv to wait for 1 year to clear the record...

uob : if u card late payment.. GG... but if u hv car/house late payment, ploan still acceptable...
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think wan try hsbc since hlb,scb,alliance,maybank,cimb all reject.anyway my payment all never late than 2 month

This post has been edited by nokiaXP: Aug 27 2011, 10:23 PM
nokiaXP
post Sep 3 2011, 11:18 AM

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QUOTE(jasmine_12 @ Sep 2 2011, 11:38 PM)
PM me if you are interested in taking cash on call with the interest rate at around 0.75 to 0.85%
(which is lower than personal loan)  biggrin.gif
our process will only take you one to two days provided that you have an active credit card and your name is not blacklisted.
rclxms.gif
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which bank
nokiaXP
post Sep 6 2011, 10:04 AM

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QUOTE(Ken_HP @ Sep 5 2011, 09:10 PM)
rejected due to ?

if due date is 20th, u pay on 30th. ccris show 1. you can pay minimum payment to avoid 1 LOL !
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due to repayment or cc near cl.my repayment only show 1 and never have 2


Added on September 6, 2011, 10:08 am
QUOTE(benjamin_haykael @ Sep 5 2011, 10:54 PM)
if u guys want to settle ur credit card o/s or other bank's personal loan SCB offers min 7.29% p/a .  we will settle the c/c o/s and the P.loan, just pay to SCB.. its kinda c/c balance transfer but u can take 30% cash.

Eg : CIMB c/c - rm 15k
      HLB    c/c rm 20k
total :              Rm 35k  - settlement & Rm 15k cash  @ 7.29% +

7.29% starts for loan amount Rm 50k and above... max interest up to 8%+ which is cheaper than your c/c o/s p/a


Added on September 5, 2011, 10:55 pm

hi.. if u want to settle off ur c/c o/s ask ur agent to do DCL .. u cant get around 8% +
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if my cc near to cl then sure bank wont approved my loan.then how i gonna settle my cc.i already try apply pl from scb but get rejected.anyway i holding scb platinum visa card.own customer also reject then how bout others ppl

This post has been edited by nokiaXP: Sep 6 2011, 10:08 AM
nokiaXP
post Sep 9 2011, 04:20 PM

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i got 2 cc that is near to credit limit.if i apply for pl still can get approved?coz wan to settle this 2 cc.but normally bank wont approved due to cc near credit limit..it is true?
nokiaXP
post Sep 10 2011, 06:46 AM

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QUOTE(kenshin1 @ Sep 9 2011, 11:59 PM)
alliance can approve..but loan amount low
*
but last month juz apply but get rejected.

This post has been edited by nokiaXP: Sep 11 2011, 12:04 PM
nokiaXP
post Sep 11 2011, 07:40 PM

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hsbc to apply pl need pay slip or juz cc that more than 1 year?
nokiaXP
post Sep 11 2011, 11:43 PM

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QUOTE(kenshin1 @ Sep 11 2011, 11:40 PM)
choose either one... if u use payslip.. hv to provide epf, they dont accept bank statement.. if u choose cc, they choose the lowest car limit, not like other banks do, choosing highest limit..
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how the approved rates compare to others bank?
nokiaXP
post Sep 12 2011, 08:32 PM

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today juz went to hsbc to apply pl for 10k.hopefully can approved.they asking for lowest cl cc
nokiaXP
post Sep 12 2011, 10:16 PM

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QUOTE(marco @ Sep 12 2011, 08:38 PM)
let me know the result alright? wanna try too..
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since scb and alliance bank also reject so i dun confident this pl can approved
nokiaXP
post Sep 14 2011, 01:06 AM

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QUOTE(hanwl90 @ Sep 13 2011, 11:08 AM)
any other bank rather than alliance?
alliance rejected mine.
*
me too.u can try ocbc.approved rates higher


Added on September 14, 2011, 1:07 am
QUOTE(Peisheah @ Sep 13 2011, 11:35 AM)
I just got to know that the cash-on-call by standard chartered @ 3.99% is hari raya promotion..
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cash on call 3.99% is only for tenure 6 month


Added on September 14, 2011, 5:18 pmjust now received a call from hsbc to verify the pl that i apply.It is chances high to get approved once they call u to verify?normally if reject they wont call u rite?bcoz i apply from maybank,cimb,scb,oub,alliance they never call to verify the pl that u apply.when i cal them they say reject

This post has been edited by nokiaXP: Sep 14 2011, 05:30 PM
nokiaXP
post Sep 14 2011, 08:40 PM

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QUOTE(Ken_HP @ Sep 14 2011, 08:34 PM)
Good day,

Need cash ? Business loan ? Cash rolling ? Investment ? Private usage ?
Alliance Bank Personal Financing ( Personal Loan / Business Loan )

-0.74% Per Month, FLAT RATE

-Min Rm5000 - Rm150,000 ( 5k - 150k )

-Processing Fees, Stamp Study, Insurance, Early Settlement Fees ALL WAIVED

-100% payout
-No hidden charges
-No early settlement fees / penalty ( rebate will be given )
-No guarantor needed.
-1-7 Years Installment Available
-Private sector & government can apply

-21 - 60 years old
-1 Day AIP Approval
Document Needed To Apply :

1) If you do have a credit card above 1 year usage, you just need to submit IC & fill up form only.
2) For no credit card client, you must at least have 1 year car loan, house loan or any loan from bank to apply for this loan.

a) Latest 3 months pay slip and EPF or bank statement
b) IC
c) Fill up form
Everything can go thru by FAX or EMAIL !

Should you require further enquiries/assistance, kindly contact Ken @ 012-9371314
DIRECT UNDER BANK ! NO WORRIES !
*

Added on September 14, 2011, 8:43 pm
QUOTE(nokiaXP @ Sep 14 2011, 08:40 PM)

*
ord apply 2 times also get reject.this bank hard lah

This post has been edited by nokiaXP: Sep 14 2011, 08:43 PM
nokiaXP
post Sep 14 2011, 10:56 PM

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QUOTE(ChrisBankLoan @ Sep 14 2011, 10:39 PM)
Hi everyone, my name is Chris,

Currently working for a bank consultancy which outsourced by 12 banks in Malaysia regarding about personal loan and also company loan.

Loan SIZE can be up to 200k , MINIMUM interest rate 7.2% ,

HIGHEST approval rate (80-90%) compare walk in personally (30-40%)

Ccris, Ctos and high commitment are YOUR concern? NOTHING IS IMPOSSIBLE!!!

Unsatisfied approved loan size or interest by banks???? YOU may reject any times and NO CHARGING FEE

For more enquires or question please leave your contact number in my PM or email so i could contact you to assist you. Thank you

E-mail
ChrisBankLoan@gmail.com
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if the bank reject our application how come u help us apply then can approved.i think no such thing.u also try luck coz u apply so many bank


Added on September 14, 2011, 11:39 pmif your cc near to credit limit,the bank will still approved your pl?1 of the reason to apply pl is to clear the cc outstanding.why some bank never call u to verify that u apply for pl?

This post has been edited by nokiaXP: Sep 14 2011, 11:54 PM
nokiaXP
post Sep 15 2011, 12:18 PM

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QUOTE(Buy @ Sell @ Sep 15 2011, 12:02 PM)
Need 10k - 20k... commission earner.. From Jan - Aug accumulated earn RM 29227.. No c.c, car loan or any loan... age 25... name clear bcoz dont have any type of loan b4
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ccris no record hard to apply
nokiaXP
post Sep 15 2011, 05:02 PM

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QUOTE(marco @ Sep 12 2011, 08:38 PM)
let me know the result alright? wanna try too..
*
my hsbc pl ord approved.b4 this scb,alliance,hlb,cimb,maybank all reject.u can try.coz my ccris also not so good

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