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Latest Car Loan Rate 2012-2021| 2021
canjeth
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Mar 30 2023, 08:27 AM
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Will banker contact me after loan is approved to inform me of the package or banker will only inform salesman?
I submitted applications to 4 banks, out of which 3 shows as "Pending Acceptance by Customer" so I assume they are approved, but none of the banks contacted me yet like in the case of my housing loan. Is this normal?
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canjeth
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Mar 30 2023, 10:11 AM
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QUOTE(jhleo1 @ Mar 30 2023, 10:03 AM) Bank usually will the one who submit application not car owner who want to apply. My question is how will customer be informed of loan approval. Will the banker inform customer directly or salesperson will inform customer instead? And loan application was submitted by salesperson to bank. Not possible for bank submit to itself without a 3rd party.
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canjeth
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Apr 3 2023, 04:17 PM
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Applied to 4 banks 110k 9 years
MBB - 2.5% (flexi) RHB - 2.47% (flexi) PBB - 2.64% (fixed) Ambank - 3.26% (fixed)
Ambank banker said will appeal
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canjeth
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Apr 4 2023, 12:43 AM
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QUOTE(propusers @ Apr 3 2023, 08:36 PM) looks like RHB win 2.47% (flexi).. apply urself or your car SA help you to submit application? Applied thru SA. SA informed managed to appeal RHB to 2.35%. But it's flexi so if OPR +0.25 2 times which is very likely to happen within the next 1-2 years, then become 2.85% and so on. Better go with fixed 2.64%?
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canjeth
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Apr 4 2023, 06:23 PM
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QUOTE(canjeth @ Apr 3 2023, 04:17 PM) Applied to 4 banks 110k 9 years MBB - 2.5% (flexi) RHB - 2.47% (flexi) PBB - 2.64% (fixed) Ambank - 3.26% (fixed) Ambank banker said will appeal Appealed for RHB and Ambank RHB - 2.35% (flexi) Ambank - 2.36% (fixed)
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canjeth
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Jun 23 2023, 09:40 AM
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QUOTE(propusers @ Jun 5 2023, 09:06 PM) will e-CCRIS show the record after banks approve my car loan application? Let say I apply 2 banks and both also approve the loan, before I accept any offer, will e-CCRIS show 2 application records? It will show on your CCRIS until you request for cancellation. I applied to 4 banks and had to call the 3 other banks to cancel my applications as they were still showing on my CCRIS after almost 3 months. I thought they will auto-cancel after 1 month non-acceptance.
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