hlb ofeering me 80k but the rate is 9.6%

so high the interest

Hi guys,

I've just started with Alliance bank in JB as a personal financial consultant. We provide services such as personal financing and these are some of the points for you to consider.

> Financing tenure of 1- 5 years
> financing amount of 5K - 150K
> No guarantor or collateral required
> No processing fee
> Flat rate of 11.99% p.a.

Other services provided;
Housing loan: refinance/ sub-sale/ new-purchase
credit card: balance transfer
bancassurance

If you guys got any enquiries, pls do not hesitate to pm me... thanks.

I am told that CIMB Xpress Cash Financing-i is the best PL package around at the moment. It only needs minimum of RM800 gross income, and no guarantor.

Anyways, I am also told that the rate is exorbitant.
However, the CIMB website provides little info about it.

So, to those who know, or who have successfully obtained the loan, may I know what is the rate, the repayment schedule, and is there penalty for early settlement ?

what are their requirements?

anyway BSN only offer loans to gov staff? bumi?

pm me..
but I am in sabah...
never apply loan before...

Hi. i am gov staff. i think i'm eligible to loan 130K. which bank offer lowest interest for 10yrs installment.. bank agent, pls pm to offer me. tq.

Have a look at Agro Bank

This post has been edited by chemistry: Sep 19 2010, 12:14 AM

hi, i need a personal loan, i'm very new to this, never apply for any personal loan. need the loans for sibling education
details:

loan needed RM 40k-50k
my salary before being promoted is 25k and this month salary(for being promoted) will be increased to RM 3000 (work more than a year with current company)
is it possible to apply such amount?

my debt/loan so far(nothing else than these):
credit card debt at rm4K (maybank)
Car loans which I pay 500 per month

please PM the best deal and let me know roughly the monthly payment based on max repayment period and i will get back to you ASAP.
which bank offer the best deal.

thank heaps!

25k? no need loan. just wait for 2 month.

my salary before being promoted is 2500[COLOR=red] and this month salary(for being promoted) will be increased to RM 3000 (work more than a year with current company)

thanks for highlighted

as i know, PL is about 10x salary.
wish u good luck. many bank agent in this thread.

look like the interest rate is bit high compare to Al Rajhi bank, only 8.5% (with CC), 9.99% (with Payslip).

hurm..
not 5x the salary meh?

if 10x time still not enough..

can i apply 2 banks?

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Added on September 19, 2010, 9:52 pmwho should i contact ? if im interested ...

This post has been edited by mizz_purfect85: Sep 19 2010, 09:52 PM

My advise is, if u no need the money, better dun get it. Citibank offer me at 5.8% / annum. I accept the loan, now a bit regret.

This is a term loan. Bit expensive.

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Added on September 19, 2010, 10:04 pmWhere u is your location? PM me, I will give u the contact.

This post has been edited by koo66999: Sep 19 2010, 10:04 PM

can somebody recommend me the lowest rate personal loan? I need at least RM10K now, urgent

somebody PM me thanks

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Added on September 20, 2010, 9:45 ammizz_purfect, u know your bro/sis can work full time and study part time right? they can pay monthly just Rm500-600 dollars in local colleges

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Added on September 20, 2010, 10:04 am
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Maybank has balance transfer program for "0.413% - 36 months" according to their form http://www.maybank2u.com.my/WebBank/BTForm_291209.pdf

but what does that mean? how do you calculate the monthly payment?

This post has been edited by zzzxtreme: Sep 20 2010, 10:04 AM

i was thinking of applying a personal loan of RM30k for house renovation, but the interest rate is bloody high! something like 10% per annum. pls correct me if i am wrong, but is is my method of calculation correct?

Loan:RM30k
Interest Rate: 10%
Tenure:5 years
Total Interest: RM15k
Total paid: RM45k
Monthly: RM750

This post has been edited by jags: Sep 20 2010, 10:31 AM

that sounds about right jaqs. it's crazy huh

but why so much for renovation? have u seen those beautiful contemporary NYC/Tokyo renovation? simple concrete floors/walls, but with modern lighting.

focusing on environment, space and function.

wtf! thats fcking madness! the interest is half the amount of the loan!!
bro the renovation is out of necessity, i will never apply for a personal loan just for the sake of making the place look better .

jags, out of necessity ?

Maybank Amex "reducing interest" is 9% and affinbank CC "reducing interest" is 10%.

if u spend RM30K on both cards and be able to pay RM1500 monthly (at least the first few months), you can finish it in less than 3 years with very very low interest.

Use this calculator :

http://www.fcac-acfc.gc.ca/iTools-iOutils/...ulator-eng.aspx

[quote=zzzxtreme,Sep 20 2010, 10:41 AM]
can somebody recommend me the lowest rate personal loan? I need at least RM10K now, urgent

somebody PM me thanks

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Added on September 20, 2010, 9:45 am

mizz_purfect, u know your bro/sis can work full time and study part time right? they can pay monthly just Rm500-600 dollars in local colleges

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Added on September 20, 2010, 10:04 am
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yupp i got what u mean but i know my brother well...so to be safe, this is what im going to do