QUOTE(yhtan @ Nov 8 2010, 11:35 PM)
not really, as long as u fulfill 120k annual income and they will give u 5.5%
how can i get in touch with your friend? the best ocbc offered me is 8.5%Personal Loan, which banks offer the best deal?
|
|
 Nov 12 2010, 09:44 PM
|
 
Junior Member
19 posts Joined: Jun 2006  
|
|
Quote|
|
|
|
|
Nov 12 2010, 09:59 PM
|
Junior Member
68 posts Joined: Aug 2009 From: IpoH 
|
QUOTE(emaveric @ Nov 12 2010, 09:44 PM) how can i get in touch with your friend? the best ocbc offered me is 8.5% emaveric.. ur annual income 120k ? |
|
|
Nov 13 2010, 09:21 AM
|
Junior Member
11 posts Joined: Jul 2008
|
Halp! I want to apply for a PL... working for 3 yrs already under private company. current annual income is roughly RM40k... I need a loan of RM15k for 5 yrs tenure.
I applied for CIMB islamic but was rejected.. i think it was the best because the rate is reasonable 8.88%, no need processing fees or force me to buy insurance/takaful  am searching for other alternatives.... any suggestions or advice? I couldn't think of any other banks that could provide such competitive rates for private workers...  Added on November 13, 2010, 10:20 am QUOTE(benjamin_haykael @ Nov 12 2010, 08:57 PM) SCB - no penalty charges u take 10k, after 6 mths want to settle, just inform the bank 1 month earlier, and settle the remaining principle balance.. without any interest for the balance. gud what....hehehe  Added on November 12, 2010, 9:00 pm Rhb got penalty rite...tat day i was checking at the kiosk.. not sure how much is the penalty rhb min interest - 12% SCB - 8% min.. hehehe... apply in SCB better la bro. and .. u apply 10k, u wont get full amount of 10k from rhb, got processing fees and stamping duty... scb - u get full amount  i look at SCB website and i couldn't understand the loan repayment table.... yes... there's 8.5%, 10%, 11.25%... could be misleading for ppl like me  This post has been edited by erique82: Nov 13 2010, 10:20 AM |
|
|
Nov 13 2010, 07:39 PM
|
|
Junior Member
68 posts Joined: Aug 2009 From: IpoH
|
QUOTE(erique82 @ Nov 13 2010, 09:21 AM) Halp! I want to apply for a PL... working for 3 yrs already under private company. current annual income is roughly RM40k... I need a loan of RM15k for 5 yrs tenure. Yes, i guess even CIMB also advertised 8.88% = but that is the min interest they're offeringI applied for CIMB islamic but was rejected.. i think it was the best because the rate is reasonable 8.88%, no need processing fees or force me to buy insurance/takaful am searching for other alternatives.... any suggestions or advice? I couldn't think of any other banks that could provide such competitive rates for private workers... Added on November 13, 2010, 10:20 am i look at SCB website and i couldn't understand the loan repayment table.... yes... there's 8.5%, 10%, 11.25%... could be misleading for ppl like me same as SCB, 8.05% is the min, depends on ur risk level, the interest can go high till 11 / 12% ..but as low as 8% we're offering FREE insurance.. no need to pay for it. no processing fees and guarantor. as long as u have a credit card min 1 year with any bank and no CCRIS prob ...+ payment for other loans including ur credit card min payment on time every mth. = shuld be OK This post has been edited by benjamin_haykael: Nov 13 2010, 07:42 PM |
|
|
Nov 13 2010, 07:59 PM
|
|
Junior Member
11 posts Joined: Jul 2008
|
QUOTE(benjamin_haykael @ Nov 13 2010, 07:39 PM) Yes, i guess even CIMB also advertised 8.88% = but that is the min interest they're offering not that i'm aware of but i think CIMB advertised it as a flat rate of 8.88% pa. they did not mention other interest rate unlike other banks, which always advertise the lowest interest rate (e.g. "from" min of 0.74% per mth) same as SCB, 8.05% is the min, depends on ur risk level, the interest can go high till 11 / 12% ..but as low as 8% we're offering FREE insurance.. no need to pay for it. no processing fees and guarantor. as long as u have a credit card min 1 year with any bank and no CCRIS prob ...+ payment for other loans including ur credit card min payment on time every mth. = shuld be OK  what is this risk level you're talking about? where do i fit in this plan? Added on November 13, 2010, 8:08 pm QUOTE(ah_suknat @ Sep 5 2010, 12:08 AM) I never applied any loan before.. dang... mine got rejected tooo and I only apply for 9k what...Zzzzz  This post has been edited by erique82: Nov 13 2010, 08:08 PM |
|
|
Nov 13 2010, 08:33 PM
|
|
Junior Member
68 posts Joined: Aug 2009 From: IpoH
|
QUOTE(erique82 @ Nov 13 2010, 07:59 PM) not that i'm aware of but i think CIMB advertised it as a flat rate of 8.88% pa. they did not mention other interest rate unlike other banks, which always advertise the lowest interest rate (e.g. "from" min of 0.74% per mth) risk level based on ur other loans, commitments, salary, employment, age, and other things... determined by the system.. .. what is this risk level you're talking about? where do i fit in this plan? Added on November 13, 2010, 8:08 pm dang... mine got rejected tooo the rejection got so many reasons.. of coz bank wont reveal to u.. and i also cannot reveal.. Added on November 13, 2010, 8:34 pmerique82 : do u have a credit card min 1 year with any bank ? This post has been edited by benjamin_haykael: Nov 13 2010, 08:34 PM |
|
|
|
|
|
Nov 13 2010, 08:48 PM
|
Junior Member
466 posts Joined: Nov 2010 From: Somewhere in this world
|
QUOTE(benjamin_haykael @ Oct 25 2010, 09:55 PM) email sent.. if high commitment can la.. maybe the interest a bit higher than ussual,..anyway, no harm to try, futhermore, scb gives 3 mths to consider, maybe can try few bank at a same time, then see which one u get good interest rate and the amount u want... but make sure the banks give u time to consider like SCB ... SCB housing loan wat is the rate for house below 80K?Added on October 25, 2010, 10:09 pmGuys, if anyone's fren/relative or whoever u know wants to apply loan, do give my number to them, , or pm me their hp # commission ?? : we discuss in p.m |
|
|
Nov 13 2010, 08:55 PM
|
|
Junior Member
11 posts Joined: Jul 2008
|
QUOTE(benjamin_haykael @ Nov 13 2010, 08:33 PM) risk level based on ur other loans, commitments, salary, employment, age, and other things... determined by the system.. .. ah.. like dat ar? im using ambank i-taslif cc... just stick to one. already 4 yrs using ... expiring dec next yrthe rejection got so many reasons.. of coz bank wont reveal to u.. and i also cannot reveal.. Added on November 13, 2010, 8:34 pmerique82 : do u have a credit card min 1 year with any bank ? |
|
|
Nov 13 2010, 09:03 PM
|
|
Junior Member
68 posts Joined: Aug 2009 From: IpoH
|
i have no idea bout housing loan.. lol
erique82, come apply wif me.. we see how ..hehehe ur salary can get 15k |
|
|
Nov 15 2010, 12:27 AM
|
|
Junior Member
36 posts Joined: Apr 2010
|
QUOTE(benjamin_haykael @ Nov 6 2010, 02:15 AM) Added on November 6, 2010, 2:18 amanyone wants to apply SCB now.. faster apply.. effective from Nov, they're testing the market.. so high commitment customers easy to 'lepas' .. CTOS blacklisted also can apply ..and up to 65 years old also can apply lol ... pm me .. thanks Come on, bank dont do such business. Dont misleading the people. Rgds, Zerro Yap 017-4515158 zerroyap@ocbc.com Added on November 15, 2010, 12:44 am QUOTE(benjamin_haykael @ Nov 7 2010, 11:54 PM) as i checked wif OCBC, u only eligible for tat 5.5% if ur employer agreed to deduct the installment thru ur monthly salary, if im not mistaken la.. Bro,You are wrong already. Salary deduction is for Corporate Loan. That one is confirm 5.5%-6.5% based on the tenure year you take. For normal application, whoever have monthly income > RM15k or cc limit RM45k and above are entitled for 5.5% Tier of interest is quoted by monthly income as below: 1) 2-2.9k : 12% 2) 3-4.9k : 11% 3) 5-9.9k : 9.5% 4) 10-14.9k : 8.5% 5) 15k and above : 5.5% 10s and have a nice day. Rgds, Zerro Yap 017-4515158 zerroyap@ocbc.com This post has been edited by zerro.yap: Nov 15 2010, 12:44 AM |
|
|
Nov 15 2010, 09:34 AM
|
|
Junior Member
19 posts Joined: Jun 2006
|
QUOTE(benjamin_haykael @ Nov 12 2010, 10:59 PM) emaveric.. ur annual income 120k ? exceed that.. |
|
|
Nov 15 2010, 12:51 PM
|
Junior Member
80 posts Joined: Mar 2007 From: Bandar Sri Damansara
|
I'm planning to continue my Masters through online distance learning programme but the course will cost me around RM40k.
Currently I'm paying for car loan, personal loan and MARA loan. Is there possibilities to get new loan for my education? Please advise. |
|
|
Nov 15 2010, 04:42 PM
|
Junior Member
451 posts Joined: Jan 2006
|
somebody from ocbc call me offering personal loan at 8.99%pa. He say that they only check ctos/ccris. they dont check commitment. is it true? that means as long as someone pay everything on time, they will be eligable to borrow, doesnt matter how much they already borrow with other bank! this is very dangerous..no wonder so many people bankrupt at young age...
|
|
|
|
|
|
Nov 15 2010, 08:45 PM
|
|
Junior Member
68 posts Joined: Aug 2009 From: IpoH
|
hahaha.. like this also got huh..
actually, tats how the sales person 'goreng' to sell the loan BUT. bear in mind, as a sales person, later customer complaint, KENA kow2 .. dont know bout other bank.. in SCB, if got cust complaint (eventho sumtimes sum ppl create story and blame the salesperson) cust always rite, the bank will listen to customers only... commission got deduction...bad reputation, DIE la.......... |
|
|
Nov 16 2010, 08:53 PM
|
|
Junior Member
36 posts Joined: Apr 2010
|
QUOTE(azam_halim @ Nov 15 2010, 04:42 PM) somebody from ocbc call me offering personal loan at 8.99%pa. He say that they only check ctos/ccris. they dont check commitment. is it true? that means as long as someone pay everything on time, they will be eligable to borrow, doesnt matter how much they already borrow with other bank! this is very dangerous..no wonder so many people bankrupt at young age... Sorry, sir. I think u'r wrong already.1 thing here i would like to clarify with you. ocbc DO NOT HAVE 8.99% rate. u must be mess up with other bank ady. thanks. Added on November 16, 2010, 8:57 pm QUOTE(benjamin_haykael @ Nov 12 2010, 08:57 PM) SCB - no penalty charges what about before 6 months? how much will scb charge for?u take 10k, after 6 mths want to settle, just inform the bank 1 month earlier, and settle the remaining principle balance.. without any interest for the balance. Added on November 16, 2010, 9:02 pm QUOTE(samlee860407 @ Nov 12 2010, 10:28 AM) Different bank is different. CORRECT!Some bank will charge you a small fee of penalty (like RM50 or lesser). Most bank requires you to pay at least 4 months of interest, while if you early settlement, then of coz the rest of the months won't be charge interest Here, bank will issue the person a cheque of remaining interests once he makes early settlement. 2.5% of outstanding principle will be charged if the person settles it BEFORE half of the tenure year. Thanks. Rgds, Zerro Yap 017-4515158 zerroyap@ocbc.com This post has been edited by zerro.yap: Nov 16 2010, 09:03 PM |
|
|
Nov 16 2010, 09:05 PM
|
|
Junior Member
68 posts Joined: Aug 2009 From: IpoH
|
u settle after 1 mth also no charges,
before u sign the offer letter its all writen there, just have to inform the bank 1 mth earlier b4 full settlement and pay the remaining principle without any interest. |
|
|
Nov 17 2010, 12:07 PM
|
|
Junior Member
466 posts Joined: Nov 2010 From: Somewhere in this world
|
let say if a person income is rm4k,how much he/she can borrow from the bank total including personal loan,car loan,cc.....etc
|
|
|
Nov 17 2010, 07:09 PM
|
|
Junior Member
68 posts Joined: Aug 2009 From: IpoH
|
usually 5 times income.. depends on ur risk level << risk level will be auto calculated by the system based on ur commitments and etc..
|
|
|
Nov 17 2010, 08:37 PM
|
|
Junior Member
466 posts Joined: Nov 2010 From: Somewhere in this world
|
QUOTE(benjamin_haykael @ Nov 17 2010, 07:09 PM) usually 5 times income.. depends on ur risk level << risk level will be auto calculated by the system based on ur commitments and etc.. 5 times of salary mean only rm20k.Thats mean only can borrow can loan rm20k?Or u mention personal loan |
|
|
Nov 17 2010, 09:11 PM
|
|
Junior Member
68 posts Joined: Aug 2009 From: IpoH
|
personal loan...
other loans im not sure bro.. ( sorry tot u're askin bout personal loan) of coz, car loan can go higher tan that, but im nt doin tat, so not sure ) |
|
Topic ClosedOptions
|
| Change to: |  0.0216sec
 0.65
 6 queries
 GZIP Disabled
Time is now: 20th December 2025 - 10:11 AM |
All Rights Reserved © 2002- 2025 Vijandren Ramadass (~unite against racism~)
Powered by Invision Power Board © 2025 IPS, Inc.