Standard chartered maybe not the lowest interest for now february 2011..
2 month ago around 0.67%p.m (8.0%) which is the lowest ..
now 9.99%.. and no hidden charges..
each banks got they own T&C ...so be CAREFUL when you choosing a Personal loan..
standard chartered bank offer a many ways to apply for PL and plus those other ways to apply maybe can get more high PL limit and high chances to successful from other banks..

if you need to know more and how much you can get from SCB for Personal loan .. call me on this number 017-6555 449(sam) only call after working hours.. TQ

This post has been edited by Maxminus: Feb 25 2011, 02:26 AM

Yeap. They are one of the biggest Coop in Malaysia.

Guys,

which bank give the best offer for personal loan right now?
im a govement servant....

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Added on February 28, 2011, 10:32 pmis this the cheapest now?

Bank Rakyat-Aslah
Year %
1-3 3.25
3-5 4.25
6-7 4.75
8-15 4.85

BSN-SKAP
Year %
1-2 3.15
3-10 4.75
11-15 4.85
16-20 5.20

This post has been edited by Krools: Feb 28 2011, 10:39 PM

Yeah,
I'm also like to apply personal loan at Bank Rakyat
Any one expert here can tell me how to apply if work private sector?
Thanks

Wondering, the PL with RHB Ezy, is there a penalty for early settlement ?

This is fr my bank that i worked for..

new product to those that need PL at cheap rates

SME Bank i-Cash

Pembiayaan sehingga RM250,000.
Kadar keuntungan serendah 3.99%.
Tempoh pembayaran balik sehingga 20 tahun.
Tiada yuran pemprosesan.
Ansuran bulanan rendah.

I-cash(Business Personal Financing) :

Untuk kakitangan Kerajaan , Badan Berkanun , & GLC yang tetap dan disahkan

visit www.smebank.com.my for further info.

I am in the same boat. So I called Bank Rakyat and inquire about the possibilities of private sector employee applying PL w them.
Here's the conclusion:

1. The PL rate that they offer to gov servant & private sector is the same - ie 3.3% fixed p.a. for 1-3yrs tenure

2. If working in private sector, need to check whether your company is listed in Bank Rakyat as panel company or not.

3. IF YES (your company is panel company) - go ahead and apply for the PL. Time to get PL approval ~7 working days.

4. IF NO (your company not a panel company) - you can ask your HR or you yourself can apply to Bank Rakyat to list your company as panel company. In order to apply, you need a. company profile b. company financial annual report & then submit both documents to any Bank Rakyat branch. If you can kow tim with that branch, they can do this on your behalf instead of you doing this yourself. Time to get your company to be panel ~2months.

5. Docs required to apply PL: a. 3months payslip; b. 3 IC copy; c. latest bank statement; d. latest EA form.

6. No comments on repayment method as I don't bother to ask since my company is not in the panel list anymore...

Bro,

pm me details....
is it just for enterprice?
can i apply personally, without any company?

im thinking of applying rm25k loan for 5 year.
how much will i get?
what else i have to pay?

what paperwork do i need?

p/s: yes, im a govment servant.

hi senior forumers...

i need to apply for a quick cash loan,rm5k.........where to apply for best and fast?

personal loan thread should be divided into 2...for gomen people, and private sector people...

I'm offering 7.5% flat/fixed rate p.a. from Standard Chartered. Can loan up to 5X your salary. Tenure 1 - 5 years. No processing fee and no early settlement fee.

i am from Penang,need pa loan rm5k...who can help me...i am not goverment servant but i am business partner

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Added on March 3, 2011, 5:01 pmi got offer from hong leong bank..at 0.8% per month...is this ok?

This post has been edited by penanghomes: Mar 3 2011, 05:01 PM

The lowest PL interest rate you can get outside are from Coop and they are meant for government servants. Others, for banks there are a lot of hidden charges and the approval speed is very slow.

Cheers!!

what kind hiiden charges.show me sample?

yeah..

sad but true..

coz government staff loan less risky & secured (thru potongan gaji biro angkasa) i think..

you walk-in and try. at the end of the day the amount of interest comes back to the same as us.

Any1 can provide a lil bit further detail what in dept detail i should be looking to into if i were to apply personal loan.
I called HLB this morning and thought their website put it nicely 1% per month so does that means 12% P.A?
Which bank have a rather lower interest rate?
Was looking for like 15-20k personal loan

Check back last page (page 93) and Post #1859. PM him for further details.

Yea

al rajhi having promo for march....7.99%