Hi, I'm a degree fresh graduate. I started work from July 2012. Now my basic salary is RM2300 + RM100 (fixed transport allowance).

Is the nett salary include the fixed transport allowance? if YES, then my nett salary is around 2.1k.

I'm planning to buy my first car, cost RM63500 and I'm planning to get RM60k loan. Now, my SA offer me RM3000 discount as promotion.

How high the possibilities for me to get the loan approved? I prefer Maybank as I'm using Maybank cc for 1 month+. no commitment/debt/outstanding for my cc.

FYI, it is perodua Alza auto premium solid white.

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Added on December 18, 2012, 7:32 pmHope that the loan get approved, submitted documents and bank just called me for verification.

Is there anyone knows it will take how long to know the result whether approved or not approved?? I applied for Maybank car loan.

This post has been edited by yvonne9003: Dec 18 2012, 07:32 PM

Thank you for your comment I hope so too Hope tomorrow can know the result.

Btw, the bank required me to provide them 2 references (parents). May I know why? and will my loan application result being affected?

Hmm..I prefer not involve guarantor..not sure whether my SA help me submit documents to other banks or not as I told him that I prefer loan from Maybank near to my house

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Added on December 19, 2012, 8:58 amOhhh hope so and do not need to provide any guarantor anyway thank a lot for your comment

Will update you guys soon on the result



This post has been edited by yvonne9003: Dec 19 2012, 07:46 PM

Maybank is still not yet finalized my loan application and duno about the result at this moment. Is it mean my loan are higher risk to get rejected??
As Icehart said, should be know the result by today.

Btw, public bank require a guarantor from me. RHB and Hong Leong still don't have any reply yet, told by my SA.

Oh okay. I submitted my documents to apply loan on last Tuesday but till now still don't have any feedback from the bank and my SA yet. Normally how long will it take to approve the loan application?

I take loan for 59k. Still waiting for the result from the bank. May I know normally how it take to approve the loan? Submitted documents on last Tuesday

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Added on December 20, 2012, 7:27 pmPublic bank require a guarantor from me. So, today morning I have sent the required documents (guarantor) to my SA.

This post has been edited by yvonne9003: Dec 20 2012, 07:27 PM

Your interest rate is for what car?

If bank require guarantor, is it mean the loan will approve once I got guarantor?

Oh, okay. Thanks for the comment. Hope to know the result on tomorrow.