that's what I've been doing last week. I started applying for new jobs. Almost 4 months, still got no conformation. It's pretty sad when the dateline for exam registration will be on next week.

Just do it next time. You'll be more financially and emotionally prepared for it

many thanks.

Agree or just take one subject at a time. If you use credit card, minimum repayment is RM50. But your interest would accummulate overtime. I think it is better for you to talk to your boss, asking for advance pay perhaps?

Huhu.

You can apply...just try...who knows...You will get one.

another option...ask help from anyone.surely for the sake of ACCA..ur family will help u..

Just went to a few banks to enquire on the rates for personal loan during office lunch time just now. Hope I remember it all :

RHB : At least 11.74% per annum. You may borrow up to 5 times your gross salary without a guarantor. They have 2 tiers, and from what I understand, the shorter your loan tenure, the lower the interest rates. But the lowest you can go is 11.74%. You may get 3.xx% if your loan amount is more than RM100k.

BSN : 3.5% I think, and if you are a working for a private company, your salary must be at least RM6000 per month

Hong Leong : 1% per month, 12% per annum. If you pay promptly for 7 months, you will get 20% cash back.

MBB : Didn't ask

Public bank : Only for civil servants. Didn't ask about the rate

CIMB : 8.88% per annum

Bank Rakyat : 3.25%. Only for civil servants or if your company is in their list of panel companies.

Bank Islam : Tenure for 1-3 years : 6.0%, 4-8yrs : 6.8%, 9-10 yrs : 7.0%

Hope this helps!

20% of 12% = 2.4% savings

I try Personal Loan from RHB / CIMB / Standard Charted = All rejected

Probably is because I don't have any records with the banks thus they consider me as high risk.

I manage to get a CIMB credit card tho.

My pay is 1.7k but cannot get a 4k PL also

If you take hong leong's loan of 12% per annum and then plus the 20% savings cash back, your interest rate will be 9.6% if your calculate. This is wat the bank staff said

Hi, i'm adiLee from HSBC...thank you for those who contact me to discuss on BT o personal loan o refinancing, hope the solution i suggested to u guys r suitable...Thanks...nice day...

hi xenxenxen

yup Easy personal loan process only takes less 10 min to know the result.

actually there are 3 ways to apply. but the fastest and highest amount u can get is by using credit card as ur document (active card and used more than 1year).

Care to call or sms me 019-2335144 (Liza) for more inquiries.

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Added on April 15, 2010, 12:40 pmEASY Rhb Pinjaman Ekspress is actually the same loan scheme with RHB personal loan. The difference is only instant approval and no documentation required for credit card holders.





This post has been edited by fallin: Apr 15 2010, 12:40 PM

i need personal loan too.around rm15k-20k.my salary per month around rm2500+.

Hi to all fellow Lowyaters,
I'm a representative for Standard Chartered Bank and we have to types of personal financing to meet your needs, Quick Cash Edge (Conventional) and Personal Financing-i (Islamic). Both are open to all, and these are some of the factors regarding our personal financing for your reference..
> Minimum Documentation
> No penalty for early settlement
> Financing tenure of 1 - 5 years
> Minimum gross salary 18K per annum
> No processing fee, 100% disbursement
> Free P.A. insurance coverage + 36 critical illness
> No income documents required if you have any existing loan or credit card for more than 1 year
> No collateral or guarantor

For further inquiries feel free to pm me. Thanks : )
Regards, Hafiz Noor : )

SMSed back n forth with Liza .. very helpful n highly recommended

MBSB is the best

Stretch the repayment period to maximum - 9 years.
Then, buy the cheapest reliable car. Seriously, driving good car but low salary does not make you look good when you can't even eat out properly. After all, the car is a liability, much like luxury. As a junior accountant exec, you should know that clearly.

hye all,
i have a question,i have already took p.l from bank rakyat,5 years,25 k.flat rate of 5% ( i think ),monthly rm511.my husband wants to buy a bike which cost around 30k and we r looking for options whether to overlapped the previous loan or loan from other bank.can u guys give ur opinion?the bike is for travelling purpose ( rembau - cyberjaya ) everyday

Hi, all. There is an offer here.

Financing rate : 5.5%-12%
Loan Amount : 6k-100k
Tenure (Year) : 2-7
Insurance : Protection(Takaful)
- 1 day approval
- next day disbursement
- no collateral & guarantor
- no hidden cost
- less document needed

Zerro Yap
017-4515158
OCBC Bank

I want to apply loan, I have 3 credit card in which I used 1 for already 6 years. Do I need more document if I want to apply for 10k loan? Ty.

i want make a loan for rm4000..which bank is can give the best service n best rate..i want it urgent