QUOTE(smaerz @ Apr 4 2019, 09:02 AM)
thx for the replies so far....
our bank statements are healthy, we delivered every document they needed, also all of the invoices that they can track the money. tax refund fillings arent required for that kind so far and also foreign-sourced income is not subject to income tax in malaysia.
public bank said it is their guideline that they calculate with 10 % for companies. i asked why, no answer, just always said their guideline. thats malaysia how i got to know it so far, if you ask further no one wants to and can give you an answer.
1 customer is higher risk? even with endless contract? i dont know... if you are an employee, you also only work for one company and not for 50
and now to that previous loan point. that is the most absurd criteria i have ever heard and if you tell bankers from other countries like germany about it they start to laugh about it. taking a loan lowers your credit score and a good credit score is important to get a loan. also means your cash flow is not healthy. it doesnt make sense at all. i know they wanna see if you are reasonable and paying your installments, but it doesnt say if i will do it in that case too. like i said it is really absurd.
but my wife is paying back her PTPTN and that counts they said, so it cant be the reason too.
so... u mentioned PBB? how about other banks?
hire purchase loan is the easiest to be approved of all type of loans
what kind of car are you buying? a high end sports car?
AFAIK, with healthy bank account, u can easily get pre-approved loan for average car in half day saja