Personal Loan - V2, which banks offer the best deal?
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 Dec 26 2011, 06:08 PM
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#1
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Junior Member
14 posts Joined: Jan 2005  
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hello..
i worked with small company (with staff less than 15 person) and gross income more than RM2k. i was ineligible to apply Bank Rakyat and MBSB. i just want to get RM15k or less. any suggestion which bank i should go with interest rate nearly as low as bank rakyat? :| |
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Dec 28 2011, 04:45 PM
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#2
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Junior Member
14 posts Joined: Jan 2005
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[quote=hidekoywk,Dec 27 2011, 07:08 PM]
Do you have credit card or any loan records more than 1 year? ineligible might due to other reason. Added on December 27, 2011, 7:11 pm --- i was ineligible because my company doesnt have "sistem gaji" and staff is less than 15 persons - that is what been said to me by bank rakyat setapak. i don't have any loan records and i just apply credit card - still waiting for approval. --- any suggestion which bank i should go? so far as i know : cimb 9.8%, maybank 11%  |
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Dec 29 2011, 08:31 AM
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#3
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Junior Member
14 posts Joined: Jan 2005
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QUOTE(hidekoywk @ Dec 28 2011, 05:59 PM) Redz base on what you mentioned on the above, i would say the chances of you getting ploan is pretty low or close to 0. i dont understand why, if it just because i dont have any loan (car, motor, house) or CC?   |
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Dec 29 2011, 12:02 PM
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#4
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Junior Member
14 posts Joined: Jan 2005
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QUOTE(hidekoywk @ Dec 29 2011, 10:34 AM) As personal loan is an non collateral loan, bank will need to justify your payment record base on any existing loan that you have. thank u for information. then i have to use credit card if it approve. If your record is way too clean, there is no way that they are able to judge your payment record and commitment. That is where CCRIS come into the play. Hope this will help. Thank you.  |
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