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

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SUSyklooi
post Aug 8 2013, 03:16 PM

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QUOTE(wtan18 @ Aug 8 2013, 02:53 PM)
hi guys im earning 2.2k a month and want/need to apply for a personal loan..

anyone able to help?
*
try this for info
http://www.rhb.com.my/loans/personal-finan...rsonal_how.html
SUSyklooi
post Aug 8 2013, 03:25 PM

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QUOTE(wtan18 @ Aug 8 2013, 03:21 PM)
thanks but the problem is i only have epf for 3 months only...do u have other suggestions?
*
hmm.gif I think no harm trying-lor....cos there are more criteria to evaluate than just your EPF statement. just example, they can lend you less if they wanted to.

This post has been edited by yklooi: Aug 8 2013, 03:27 PM
SUSyklooi
post Aug 8 2013, 03:39 PM

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QUOTE(wtan18 @ Aug 8 2013, 03:31 PM)
the other catch is i get cash cheque from company for salary meaning i go to public bank and cash out the cheque over the counter . so the salary in not credited into my bank account (maybank). this i believe is a problem if they need to check bank statement.
*
got any way (documented proof of at least 6 months) to convince the bank that you got a steady income that you can pay the loan?
SUSyklooi
post Sep 6 2013, 07:24 PM

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QUOTE(hyuga @ Sep 6 2013, 06:57 PM)
hi..just want to ask, if my salary doesnt come with epf socso deduction, am i still eligible for applying personal loan? just have one commitment ,asb loan, rm597 monthly ,my slary rm3.5k.. any info? tq
*
hmm.gif so do you have any documented proof of constant income? or and any credible assets that can be used as a collateral?

This post has been edited by yklooi: Sep 6 2013, 07:26 PM
SUSyklooi
post Sep 7 2013, 12:13 AM

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QUOTE(hyuga @ Sep 6 2013, 08:17 PM)
haha.ur question really scred me. i do have monthly salry statement n off course bank statement for the proof of my constant income. and asset to be used as a collateral?i'm not planning into it smile.gif .so am i eligible.. thnks 4 ur reply
*
yes, I think you are eligible to apply.
example hong leong bank personal loan

Eligibility
Malaysian citizen only
Age between 21 to 60 years old
Earn a minimal annual income of RM24,000 per annum
http://www.hlb.com.my/pfs/loan/loanpl_e.jsp?flag=loanpl_f

This post has been edited by yklooi: Sep 7 2013, 12:29 AM
SUSyklooi
post Sep 9 2013, 09:21 AM

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QUOTE(hyuga @ Sep 9 2013, 04:07 AM)
r u sure without epf socso can?  hmm.gif  if ca, really want to try it
*
hmm.gif give them a call and tell them you don't have Epf or socso, but you do have monthly salary statement n of course bank statement for the proof of my constant income. find out the answer and tell us...
btw, do you have income tax?
SUSyklooi
post Sep 15 2013, 10:16 AM

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QUOTE(hyuga @ Sep 15 2013, 03:11 AM)
Is it ok if I applying 2 or 3 loan with different bank at the same time.? Or it will reduce my chances to get a loan? Just dont want to waste my time waiting 4 them to reply me.
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hmm.gif is there any law/regulations saying that you cannot apply 2 or 3 loan with different bank at the same time?
do you need to pay some fees in advance? other then paper works and time what else would be lost?
how would that reduce your chance to get a loan? I think it should be the other way round. whistling.gif
SUSyklooi
post Feb 13 2014, 09:47 PM

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QUOTE(phantom_zero @ Feb 13 2014, 09:42 PM)
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?
*
Read post# 2037...just 3 posts earlier?
SUSyklooi
post Feb 25 2014, 12:31 PM

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QUOTE(nax_xa @ Feb 25 2014, 12:13 PM)
i have a fren whom receive release letter from banks he got his loan before... but now, he said want to loan (personal).. any bank which can approve these type of applicants?
*
try post # 2037 page 102?

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