hoho.. hope dont be like that. really need money right now.

Anyone here heard of 0% interest rate Dial-For-Cash offer by Citibank? 0% for 6 months - 3% processing fee. 0% for 12 months - 5% processing fee. No early settlement penalty.

What do you think is the catch?

Just got call from hsbc to verify my address. Think next week will know the result

How do you reach that figure?

still waiting for their call

ive applied for HSBC PL and last monday they call me to validate address...they call me 2 times, the 1st time im not sure from which dept but the second one is from the credit card dept...both want to validate my address...what does validating address mean? loan approve already is it? can anybody help me to explain to me?

Hi, I have been a housewife for 2 years, so not working for 2 years. Right now, am planning to open a coffeeshop by my own. I need to get some loan. Is there any banks offering loan to a new business???

I don't have any credit cards as well.

The best is Al-Rajhi, 7.5% p.a. , the officer told me next year the interest will revised to higher rate;  so please rush if you planning to take PL

I see.. then all banks must have this obligations? have to apply cc fast and wait for another 6months (al-rajhi) to apply loan lor.. huhuhu.. which bank should I go to apply cc...? hmmm... 

finally now i know why ive been keep on rejected...its because of my score!!!! damn u score!!!!! even easy rhb rejected me ...anybody can help me????

your cc overdue amount already exceed credit limit, your only chance is to clear your cc debt. If not, u cant get any ploan from bank. Bcoz your scoring already way too low due to your overdue, consider high risk customer. jz my 2cent

yep, he is married with one daughter.

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Added on January 9, 2012, 2:05 pm
yep, he is married, and supporting one daughter. sure that epf print out is ok? thats what my friend want to ask. 
hmmm...my hotel is semi glc...so, will it be easier?
ok. thanks for the information.

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.