Personal Loan - V2, which banks offer the best deal?
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 Aug 13 2013, 04:24 PM
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#1
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Senior Member
517 posts Joined: Mar 2011 
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I dont understand why u still want to apply loan although u got bad report..make sure your ccris report clean 1st then u apply new loan..or else u might bangcrupt..and never apply loan for something that depreciate over time
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Feb 13 2014, 09:42 PM
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#2
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Senior Member
517 posts Joined: Mar 2011
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hello,i own ,enterprise company and want to apply loan, however when i call the bank, they ask for income tax, i already send my bank statement which have good flow >60k debit and credit, but they need income tax..so how much income tax that can get personal loan 160k above? im going to lhdn tomorrow to register because my company just 9 month old,started last year jun..so i need to declare sufficient" income tax for my company for easy apply loan..any ideas?
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Feb 13 2014, 11:28 PM
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#3
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Senior Member
517 posts Joined: Mar 2011
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QUOTE(yklooi @ Feb 13 2014, 09:47 PM) Read post# 2037...just 3 posts earlier? thanks,tmr morning i will drop a call, |
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Feb 15 2014, 02:48 PM
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#4
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Senior Member
517 posts Joined: Mar 2011
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QUOTE(Ken_HP @ Feb 15 2014, 01:46 PM) Actually from bank calculation different, bank cant direct take your 60k credit as a income. erm, how come my friend said his income 4k work in gov can approve loan 180k?The calculation method for Alliance, will be something like this : Average 60k monthly, What kind of business ? If trading related will be around 8-10% Shares % u holding ? ( let's say 50% ) 60k x 10% = Rm6000 Rm6000 x shares 50% = Rm3000 Your gross income Rm3,000 Normally loan amount bank offer based on nett income x4times to maximum 10times. Rm3000 x = Rm30,000 *Just for your info Business must be register more then 2 years, less than 2 years will be subject for bank approval. Since nowdays bank requiremnt minimum 2 -3 years. |
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