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.

Al-Rahji currently very active in giving out loans, but i know nothing about this bank. Dunno got problem or not..

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.

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?

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.

i need al rajhi contact too

wat is the website and where is the bank

the application need any requirement? like income or anything la

U can get lots on information on the internet.
Heard of GOOGLE? Use it

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.

heard of google

but none related to malaysia there

... 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

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

google is truly ur friend

anyone can help me on personal loan .... let me know asap ...

There...google always has the answer

i got friend working for HSBC loan department application

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.