Latest Car Loan Rate 2012-2021| 2021
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 Nov 17 2016, 02:49 PM
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#1
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Junior Member
92 posts Joined: Jan 2010  
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Want to apply car loan bank.
Under my wife name since want to carry foward old NCD. My wife now unemployee. SA said can apply loan under my salary. Recently bank rejected because high commitment. Under my wife nama only car loan and ptptn. ptptn just paid outstanding recently. Under my nama no loan at all. Now waiting for other bank. |
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Feb 11 2017, 10:00 AM
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#2
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Junior Member
92 posts Joined: Jan 2010
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Loan 116k
Ambank 9 years. 3.0% Bank said because i never had history pay loan before. |
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Feb 11 2017, 11:01 AM
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#3
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Junior Member
92 posts Joined: Jan 2010
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QUOTE(sj0217 @ Feb 11 2017, 11:13 AM) New car purchased ? Yes new car.Before this car loan application, do you using any credit card ? Back to 4 years ago, I have applied car loan with AmBank too, and they didn't mention about this to me  Nope. No credit card. No PTPTN i had 1 loan apporve. House loan before but still havent start payment. Bank check my CRISS mark 0 ( zero ). No payment loan history. Before this few bank reject loan same reason. |
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Feb 13 2017, 08:49 AM
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#4
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Junior Member
92 posts Joined: Jan 2010
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QUOTE(georgec @ Feb 12 2017, 03:02 PM) You mean application for car loan also subject to Debt - Income Ratio calculation (other housing loan payments also taken into consideration)? I'm also not sure.But what I believe if we currently no history pay any loan might be hard to apply loan. Last few back years I had ABS loan. And I was sold back my ASB loan. But bank said no history loan payment. Maybe they only can see within one year history. |
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