really a noob here...wat is the service noticeboard section?

Here.
https://forum.lowyat.net/ServicesNoticeboard

Please do not post your service offering. (from xyz banks, pm me etc.)
It will be deleted and repeating doing, warning will be issued by staff.

Hi there,

If you are interested in applying for personal loan, these are the minimum requirement :

- Nett pay >= RM2000
- Credit Card Limit >= RM5000 with possession of over 1 year.

Better if salary above 3k, for easier approval

Is it possible to get personal loan for 300k to start up business? I heard that business loan need an already on-going business to apply, but I don't have any on-going business and don't have anyone close that has a business. However, I wish to go into entrepreneurship but is short of capital. Is it normal to get 300k personal loan to start up business?

Hardly, unless you got high credit card limit with high salary job right now, as personal loan amount is depends on the salary and credit card limit that you have.

150k maybe possible.

i'm earning 30k per annum. what's the maximum loan amount that i can get?

p/s- i never use any credit card

This post has been edited by ac_N1: Apr 7 2011, 11:39 AM

if below 30 years old, maximum 7.5K loan u get.
if age 30 years above, maximum 10K.
depends on credit department. final say

Hi guys, am looking for personal loan for around 12k for 3 years minimum .. which bank have the best offer? currently UOB is offering 0.7% per month for 3 years and HLB is offering 9.6% PA ... any other better offer?

some lady from price solutions (stanchart) called me out of the blue, said i got pre-approved loan for 48k at 9.something% p.a., repayment 5 years. i was like waffark, for nothing you want me to give you 20k+ in interest? i don't need/want the money.

bank give loan to those dont need a loan, and reject those need it.

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Added on April 7, 2011, 3:30 pmpossible, if you meet all their requirements.
different bank different requirements, different loan scheme different requirements

This post has been edited by ah_suknat: Apr 7 2011, 03:30 PM

Received this calls also. Price solutions offered me rm150k loan

i just wondering if a bank set the term of loan that loan should be paid via salary deduction (such as biro angkasawan), and if this biro send the payment late few days to the bank, does the bank has the right to take money from our saving account? in my friend case late 1 day steal from saving account and 1 day later biro send the money to them. when my friend asked the branch, they give totally 360 degree opposite info than what I understand previously. they said previously they will take 2 months advance to wait for this biro to deduct salary and this guy said this 2 month is not advanced but rather as a security to the bank in case the biro make late payment from the due date. so he said in fact we need to pay 1 month by ourselves plus 2 months advanced. does this things exist

This post has been edited by cenkudu: Apr 7 2011, 09:12 PM

Hai There,

i have been blacklisted due to credit card debt 2 years ago but i have settled all the debts. Can i get a personal loan or credit card approved after 2 years of clearing my debt.

Please advice.

Thanks

go bank negara and check ur ccris, if clear shud be no problem

can if you are goverment staf can apply agro bank or bank rakyat

i'm not a government staff but i already cleared my debt. Now i don't have outstanding debt. I just applied for a personal loan at CIMB yesterday and waiting for the result.

if you are blacklisted on CTOS ... then it may be tough to get loans or credit cards approved ...

and on CTOS .. they have no obligation to remove your blacklisted information because they are a private company.

It means i have no way to get a bank loan is it?