Hi,

Sorry for late reply. Do you have any credit card?
Use credit does not mean u have to pay same rate as credit card which is 17.5% per annum.
We just need to check your credit card information from Bank Negara Malaysia. Then, we will give you the cash which you can do whatever you want without locking your credit card limit.

Here, you have to stay with us half of the tenure year.
Eg, If you choose for 5 years, you have to stay with us 2.5 years. If you choose for 2 years, you have to stay with us 1 years.
After half of the tenure years, you can make early settlement and we will rebate you a portion of the remaining interest.
However, it's still worth if you could make early settlement ANYTIME. It is because the rebate is definitely more than small amount of penalty charge.
Did I answer your question? Thanks.

Rgds,
Zerro Yap
017-4515158
zerroyap@ocbc.com

Actually i dont have credit card, but i got house loan which is very good record. If i apply a new credit card, can i do that as well?

Sure you do. Once you have credit card already, getting a personal loan would be very easy.
It's because credit card and personal loan are categorized in unsecured lending whereby banks do not take any collateral from you.
Thanks.

Rgds,
Zerro Yap
017-4515158
zerroyap@ocbc.com

Aiyoo... I'm still ding-donging for a pl. Any agent care to give me a quote? But now, I need to use the cash asap.

Looking at rm60~80k
tenure: <3years
full documents
working in private sector, annual income ard 100k
no black-list, etc.

Any good int rate?

Thanks!

STATUS : SERVE WITH PLC COMPANY
SALARY : RM2.5(BASIC) + ALLOWANCES
LOAN HISTORY : CAR LOAN (PBB NEARLY 1 YEAR)-GOOD PAYMASTER
FRESH GRAD (EMPLOYED LESS THAN 3 MONTH)
WISH TO APPLY LOAN MINIMUM RM12K & MAX RM25K
ANY BANK CAN OFFER ME PL?
WHAT DOC I NEED TO PREPARE?
PLEASE ADVISE ME....TQ

Goverment Link Company

TNB / Telekom / Sime Darby etc

but the problem is credit card need my income disclose which i dont have it. now i study ACCA full time.

This post has been edited by 500Kmission: Apr 19 2011, 01:22 AM

I'm a gov. servant, need to do overlap with my previous loan....is it possible?

U have any credits card on hand?

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Added on April 19, 2011, 12:38 pmCan hide the info when apply. Depends on ur luck

This post has been edited by airline: Apr 19 2011, 12:39 PM

Yes can, that's what most people that apply for this loan do.....

Hi,

So sorry to tell you that none of the bank will give loan to student except kojadi or ptptn.
I dont think any bank representative will take the risk to hide ur info for unsecured lending because we are all control by BNM.
Cheers.

Rgds,
Zerro Yap
017-4515158
zerroyap@ocbc.com

any good offer for petronas staff?

cimb koperasi loan is none rebate loan... so if u wanna b a good customer paying untill 20years.. go ahead.. if u wanna overlap in few years.. no rebate at all....

But how actually CIMB works the rebate scheme?

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Added on April 20, 2011, 4:14 amany loans which dont actually need a guarantor?
coz i am in tuition business, and i dont have a pay slip? but im capable to earn about 5-7k a month...

This post has been edited by young_guy87: Apr 20 2011, 04:14 AM

Which Banks other than Bank Rakyat/Bank Islam/Agro Bank that can offer a PL of about RM60K for 10 years?

Don't like the reqs of Bank Rakyat/BI/Agro that wants to do auto debit monthly from my salary.....

FYI, net income (clean) after minusing all expenses (houses, car), epf, socso etc about RM 6 K left.

apply for maybank pl amount 10k get rejected.working in sg gross salary sgd1900.got car and housing loan.maybank pl so hard to apply?

U can apply. Provided if u have existing credit card more than 1 year
Limit above 6k

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Added on April 20, 2011, 4:22 pmMaybe u need rm2k a month sing dollar

This post has been edited by airline: Apr 20 2011, 04:22 PM

i need a fund around rm100k urgently for my business turnover, my business (enterprise) already 5 years and monthly credit turnover is around 100k-130k.

this year reported income (borang b 2010) is rm100k. only one thing is my concern, my ccris.

cc 000000000000
hp 000001222322 (problem?)
hp 001101001010

possible to apply personal loan?

What is wrong with ur ccris u didn't mention?

the ccris for my first hp (car loan) with 000001222322 record.

is this a problem as i have seek some bankers advice and they told me that a 3 in my 12 months ccris record will make my personal loan application hard to be approved.

is it true?