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> Personal Loan, which banks offer the best deal?

IceQTurbo
post Jun 28 2007, 01:00 PM


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I am trying to get a personal loan, does anyone knows which bank offer the best rates? HSBS offers flat rate ranging from 10-12% depending on the loan, any other banks which offers better rate?
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Lcsx
post Jun 28 2007, 01:10 PM


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QUOTE(IceQTurbo @ Jun 28 2007, 01:00 PM)
I am trying to get a personal loan, does anyone knows which bank offer the best rates? HSBS offers flat rate ranging from 10-12% depending on the loan, any other banks which offers better rate?
*
I don't know but you can check with the other banks that offer OCBC, Al-Rahji, Standard Chartered.



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IceQTurbo
post Jun 28 2007, 01:13 PM


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QUOTE(Lcsx @ Jun 28 2007, 01:10 PM)
I don't know but you can check with the other banks that offer OCBC, Al-Rahji, Standard Chartered.
*
Al-Rahji currently very active in giving out loans, but i know nothing about this bank. Dunno got problem or not..
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funnyTONE
post Jun 28 2007, 01:18 PM


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I took personal loan from bank rakyat. Repayment period of 10 years, interest given is 5.9%. If less than 2 year, I think lowest is 5.6%. The process took about 2 weeks from application to signing agreement.
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IceQTurbo
post Jun 28 2007, 01:43 PM


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QUOTE(funnyTONE @ Jun 28 2007, 01:18 PM)
I took personal loan from bank rakyat. Repayment period of 10 years, interest given is 5.9%. If less than 2 year, I think lowest is 5.6%. The process took about 2 weeks from application to signing agreement.
*
I've looked through their website. it seems tat they need a guarantor from the government / private sector. This is indeed a problem for me. anyway, the interest they offered indeed very low if compared to other banks.
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nixk
post Jun 28 2007, 01:48 PM


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QUOTE(IceQTurbo @ Jun 28 2007, 01:43 PM)
I've looked through their website. it seems tat they need a guarantor from the government / private sector. This is indeed a problem for me. anyway, the interest they offered indeed very low if compared to other banks.
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if you talk about lowest payment,YES,it's refer to BANK RAKYAT. but the requirement very burden to us which working at private company.
They said, i need to ask HR to do auto deduction from my salary into bank rakyat for every month,which it very complicated to HR to do that.

So, i took Al-Rajhi bank,the second lowest after bank rakyat.7 working days.and it's 7.5% only per annum compare to the others bank 12 -14% per annum.




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IceQTurbo
post Jun 28 2007, 05:50 PM


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QUOTE(nixk @ Jun 28 2007, 01:48 PM)
if you talk about lowest payment,YES,it's refer to BANK RAKYAT. but the requirement very burden to us which working at private company.
They said, i need to ask HR to do auto deduction  from my salary into bank rakyat for every month,which it very complicated to HR to do that.

So, i took Al-Rajhi bank,the second lowest after bank rakyat.7 working days.and it's 7.5% only per annum compare to the others bank 12 -14% per annum.
*
Izit? so is there any special requirement by Al-Rajhi Bank?? is it a flat 7.5 per annum? u got any contact tat i might be able to use?
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eric.tangps
post Jun 28 2007, 08:39 PM


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Tips for Personal Loan
--------------------------

1. Check the rates

2. Confirm whether it is Flat Rate / Monthly Rest
( Flat Rates akin Hire-Purchase calculation - charged on loan amount and
number of years while monthly rest is calculated based on monthly )
Higher interest charges if based on Flat Rate despite it is 5.7% pa.

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sentro2020
post Jun 28 2007, 10:31 PM


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i need al rajhi contact too

wat is the website and where is the bank
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raveglove
post Jun 29 2007, 02:05 AM


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QUOTE(funnyTONE @ Jun 28 2007, 01:18 PM)
I took personal loan from bank rakyat. Repayment period of 10 years, interest given is 5.9%. If less than 2 year, I think lowest is 5.6%. The process took about 2 weeks from application to signing agreement.
*
the application need any requirement? like income or anything la
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akmar_m
post Jun 29 2007, 10:04 AM


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QUOTE(sentro2020 @ Jun 28 2007, 10:31 PM)
i need al rajhi contact too

wat is the website and where is the bank
*
U can get lots on information on the internet.
Heard of GOOGLE? Use it smile.gif
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cksing7
post Jun 29 2007, 10:21 AM


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Al-rajhi rate is actually 8.5% if they give you answer within 60 min, if they cant give you answer within 60min, then the rate will be 7.5%. Taman Tun have a branch, this weekend is the last day of promotion.
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sentro2020
post Jun 29 2007, 10:31 AM


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heard of google brows.gif

but none related to malaysia there brows.gif


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akmar_m
post Jun 29 2007, 12:23 PM


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QUOTE(sentro2020 @ Jun 29 2007, 10:31 AM)
heard of google brows.gif

but none related to malaysia there brows.gif
*

... if you could not find any info on Al Radji here... , probably they dun have any Malaysian website just yet. There's one branch (or HQ i am not so sure) infront to KLCC -next to Public Bank
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polyxtroy
post Jun 29 2007, 04:52 PM


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http://www.alrajhibank.com.my/

google is truly ur friend
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Hybrified
post Jun 29 2007, 05:40 PM


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anyone can help me on personal loan .... let me know asap ... notworthy.gif
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akmar_m
post Jun 29 2007, 06:50 PM


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QUOTE(polyxtroy @ Jun 29 2007, 04:52 PM)
http://www.alrajhibank.com.my/

google is truly ur friend
*
There...google always has the answer biggrin.gif
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feralee
post Jun 30 2007, 12:17 AM


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QUOTE(Hybrified @ Jun 29 2007, 05:40 PM)
anyone can help me on personal loan .... let me know asap ... notworthy.gif
*
i got friend working for HSBC loan department application
icon_rolleyes.gif
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Hybrified
post Jun 30 2007, 10:07 AM


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lee088
post Jul 1 2007, 12:08 AM


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QUOTE(Hybrified @ Jun 29 2007, 05:40 PM)
anyone can help me on personal loan .... let me know asap ... notworthy.gif
*
Hope this is not too late. Take a look at this Malaysia blog www.smartconsumerbanking.com - it has all the rate info, fine prints, pro and cons on personal loan.
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