Personal Loan, which banks offer the best deal?
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 Mar 21 2011, 10:08 PM
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Senior Member
1,285 posts Joined: Mar 2007  
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QUOTE(TheRedDevil @ Mar 20 2011, 07:51 PM) For Standard Chartered, it took ages to get approved. 3 months down the road they are still calling me to do background check.. 3 months! i was about to apply standcharted since there is a sales staff here..but since u have bad experience i think i put a stop here for this bank =/ was seeking 8k PL ..not sure which bank can offer 9% interest with 2 years tenure. it would b good if have 1 year tenure |
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Mar 22 2011, 12:37 PM
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Senior Member
1,461 posts Joined: Apr 2005
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Heard that OCSC offering 6.5% p.a. Is it true? Cant find in their website..
What is the best option for private sector like me? |
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Mar 22 2011, 10:21 PM
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Junior Member
36 posts Joined: Apr 2010
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QUOTE(kurtkantoi @ Mar 22 2011, 12:37 PM) Heard that OCSC offering 6.5% p.a. Is it true? Cant find in their website.. Are you trying to say OCBC instead of OCSC?What is the best option for private sector like me? If you are saying OCBC, then Yes! The is from 6.5% to 12% based on your monthly income/credit card limit. Will PM you the detail. Cheers. Rgds, Zerro Yap 017-4515158 zerroyap@ocbc.com |
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Mar 23 2011, 11:55 AM
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Newbie
1 posts Joined: Sep 2010
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Saya blh bantu mereka yang nak buat loan xkira kerajaan or swasta. blacklist or sudah terlalu bnyk loan pon blh. jaminan kelulusan 98% xrugi kol klu dapat apa anda dapat. pinjaman dari koperasi dan juga bank lebih lanjut hubungi izham 0164116265 |
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Mar 24 2011, 06:38 PM
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Junior Member
39 posts Joined: Sep 2005
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i am looking for loan amount @ RM9k
got credit card more than 1 year and salary over 2k please do pm me your offer. thanks |
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Mar 24 2011, 07:58 PM
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VIP
8,788 posts Joined: Jan 2003 From: Kuala Lumpur  
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QUOTE(myfiona2004 @ Mar 24 2011, 06:38 PM) i am looking for loan amount @ RM9k How about if I borrow you RM9K personally? got credit card more than 1 year and salary over 2k please do pm me your offer. thanks  If you have RM9K, one way of doing it is using balance transfer to reduce credit card interest rates. Spend lesser and slowly clear off the debts. |
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Mar 24 2011, 10:14 PM
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Junior Member
39 posts Joined: Sep 2005
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problem is i try apply few bank CC and all get declined
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Mar 25 2011, 09:35 AM
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Senior Member
4,482 posts Joined: Jul 2005
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QUOTE(jigglypuff @ Mar 24 2011, 10:59 PM) Hello myfiona2004. -___- 10 - 15%? WOW? so if borrow 10k you charge rm1k? Like that it's worst than taking personal loan with the lowest interest rate right?I'm from a bank consultant agency, we represent 11 banks in total (CIMB, Maybank, OCBC, EON, HSBC, Standard Chartered, Citibank, Ambank, Alliance Bank, RMB, Affin Bank etc). we offer a pre-approved personal loan that DOES NOT need guarantor and collector. the loan is pre-approved so you will surely get it. the interest ranges from 7-12% per annum(can still be lowered!) as it depends on the bank. however, we can fight for you to get the LOWEST interest and HIGHEST amount until you're satisfied with the amount. MINIMUM documentation needed. this is a pre-approved loan so there will be 10-15% comission charges. after all, we are an agency. why are there 10-15% charges? - we have good connection with many banks and know many bankers - reliable - fast - sure approve - perfect for people who have outstanding/late payment/ex-blacklist - can get lowest interest and highest amount (if u go bank urself, u confirm cannot get so low interest and so high amt) the amount u can loan depends on ur credit card limit/salary. BUT DON'T WORRY, WE WILL MAKE SURE YOU GET THE HIGHEST AMOUNT POSSIBLE. IF INTERESTED, PM ME OR CALL ME AT 0178719021(jenny) |
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Mar 25 2011, 11:09 AM
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Junior Member
39 posts Joined: Sep 2005
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QUOTE(kidmad @ Mar 25 2011, 09:35 AM) -___- 10 - 15%? WOW? so if borrow 10k you charge rm1k? Like that it's worst than taking personal loan with the lowest interest rate right? if they can offer damm low interest is okay what  |
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Mar 25 2011, 04:02 PM
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VIP
8,788 posts Joined: Jan 2003 From: Kuala Lumpur
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Personal loan are considered as unsecured lending and since there are no collateral, the bank will obviously charge a "cut throat" rate
 My advice is try to use balance transfer if possible before going for personal loans. |
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Mar 26 2011, 12:26 AM
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Junior Member
85 posts Joined: Dec 2006
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al rajhi giving out loan now..try there
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Mar 26 2011, 01:13 AM
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Junior Member
19 posts Joined: Jan 2011 
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kidmad,
well if you go to the bank, i can assure you, you cannot get the interest rates we can get for you and the amount you want. not everyone has documents that are strong enough to back them up when they want to take a personal loan. sometimes they might fail or get an amount which is much lower than what they need. that is how my agency comes in and helps also, banks will take a long time to process your loan application and sometimes, the banks might not even notify you when your application is rejected. that will just keep you hanging. we will tell you the results once it's out and you needn't worry as we guarantee a very high approval rate(unless your documents are really hopeless). and if a bank rejects your application, you can only try to apply again after half a year. we can try again for you(but usually we NEVER fail) in only a month. there, this is why the 10-15% charges are just and not cut throat. This post has been edited by jigglypuff: Mar 26 2011, 01:13 AM |
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Mar 28 2011, 05:23 PM
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Newbie
3 posts Joined: Mar 2011
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Salam, saya nak buat PL Rm80k. bank apa paling rendah interest. saya pekerja kontrak gomen.
bg pendapat pls. |
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Mar 28 2011, 05:48 PM
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Senior Member
1,285 posts Joined: Mar 2007
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looking for RHB EZY PL ..pls pm me asap ..thanks
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Mar 28 2011, 07:47 PM
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Junior Member
144 posts Joined: Apr 2008 From: Kuala Lumpur
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Goin to submit documents needed to 1 of forumer here which provide PL service. Let's see how success itbis. Will update here.
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Mar 28 2011, 07:51 PM
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Senior Member
1,285 posts Joined: Mar 2007
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QUOTE(sharilazri @ Mar 28 2011, 07:47 PM) Goin to submit documents needed to 1 of forumer here which provide PL service. Let's see how success itbis. Will update here. which bank? i need fast respone from banker...submited standchart and Hongleong..slow motion..1 day do 1 checking..sien |
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Mar 28 2011, 08:14 PM
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Junior Member
144 posts Joined: Apr 2008 From: Kuala Lumpur
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Dunno yet..apply through bank consultant agency. Already apply via std chartered from another forumer here but unsuccessful due to im on contractual basis. Let see this sure approve service.
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Mar 28 2011, 09:27 PM
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Senior Member
1,285 posts Joined: Mar 2007
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been sms and call for those who put the number here .but none of them reply me and pick up my call. haha..i walk-in find banker then
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Mar 28 2011, 09:31 PM
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Junior Member
144 posts Joined: Apr 2008 From: Kuala Lumpur
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Maybe u can start PM them 1st
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Mar 28 2011, 11:10 PM
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Junior Member
110 posts Joined: Dec 2010
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QUOTE(sam0919 @ Mar 28 2011, 06:42 PM) lol u ask me pm u but u offline ... I PM U ALREADY..EXPLAINED ALREADY.. I WORK VERY FAST ONE.. U DONT WANNA CHOOSE ME t.t SAD...Added on March 28, 2011, 11:27 pm QUOTE(sharilazri @ Mar 28 2011, 08:14 PM) Dunno yet..apply through bank consultant agency. Already apply via std chartered from another forumer here but unsuccessful due to im on contractual basis. Let see this sure approve service. IT DEPENDS ON UR HR DEPARTMENT,WANNA INFORM BANK'S PROCESS DEPT WHEN THEY DO VERIFICATION....IF THEY AND U DONT TELL, UR LOAN WILL B OK.... IF UR HR DEPT IS OK ABOUT IT, U CAN INFORM THEM NOT TO TELL... THIS IS ANOTHER TRICK.... BUT MY REJ CASE WHO WORKS AS CONTRACT APPROVED AT OTHER BANK..FOR SURE... zZZZZZ..... This post has been edited by kenshin1: Mar 28 2011, 11:27 PM |
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