Most of the bankers advise to apply for CC and get a credit facility with ur card. Now I'm applying for CC as all my PL application rejected due to commitment at all. Demn.

monthly gross income sgd1900.apply pl rm10k from cimb and maybank also get rejected,lol.apply 3 bank also reject.still can try others bank?apply cc easy than pl?cc if commitment high can get?

This post has been edited by nokiaXP: May 6 2011, 01:42 AM

There's no such things as consultant or get know insider etc. This is my personal experience.

hi all..

i'm trying to apply for PL.. preferably islamic.. any suggestions which bank i should apply?? probably with the lowest interest rate for private company.. because most of the low interest rate ones are for gomen only..

anyone know if there exists a table with all the bank loan rates in malaysia?? if not.. probably i should make one..

yA.. any personal loan with flat rate greater than 7.45% p.a. will equal effective interest rate of 13.5% of credit card.


Stand Chart offer 26k for 10.25%..flat rates..additional 0.5% for stamp duty.. and processing fees...
effective interest rate equaly 18.41%... better finance by credit card which lower rates.

This post has been edited by weihong: May 6 2011, 02:14 PM

any bank is more easily to get pl approved?urgent pls.

Unfortunately none. They will require this n that end up it's rejected. U may try Rhb easy and if u doesnt meet the criteria as easy as abc will be rejected.

wat is the requirement?

I took a loan of less than RM10k for 2% for 10 months. But you need a credit card.

which bank

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Added on May 8, 2011, 6:10 pmcimb,scb,eon bank,maybank,alliance bank all reject my pl...zzz

This post has been edited by nokiaXP: May 8 2011, 06:10 PM

Hi Guys...

actually what do you mean by finance with cc and relate to pl? can help me to understand it?mostly i read all said that the %interest is lower...mind to share how to do n etc...

i do have cc....and planning to do PL...

nokiaXP,

I am not sure whether its ok to post how i get the loan here. Its legal but i dont know the moderator will allow or not to post it. PM me ba.

I have a friend want to apply Personal Loan but:-

a) He don't have any records of loans or credit card
b) His income doesn't come with EPF (full payment in cash voucher because he doesn't want deductions)
c) Income around rm2,500+

Is it hard for him to apply? If nope, anyone want to take up this particular challenging application can please PM me, I'll pass your number to him. :-D

Cheers.

Personal loan
1) Interest 0.74% per MONTH
2) Financing tenure 1~5 years
3) Mthly installment as low as RM120.33
4) No processing fees
do call me if u need further assistance ..
Tq n hv a nice day

Melody 016-3902046

His situation just like me only the difference on income. And no financial institution dare to give a credit facility. Malaysia Boleh!!

Same situation like me too. Tried several times and always got rejected and now I'm giving up.

Xpress Cash Financing-i....wanna loan just rm3k....
still need all 3;-
IC (know compulsory)
Pay Slip (know also)
EPF statement (forget the password and recover answer still try n error to login)

EPF can be skip ????

Get our Personal Loan today to enjoy:
Monthly installments as low as RM133.33*
Fast approval within 48 hours**
Flexible repayment tenure of up to 5 years
Minimum income eligibility of only RM24,000 per annum
Easy application – photocopy of I.C. & income statement/ credit card statement
No guarantor and no collateral

Affordable monthly installment

Loan Amount
2 Years 3 Years 4 Years 5 Years
RM5,000 RM258.33 RM188.89 RM154.17 RM133.33
RM10,000 RM516.67 RM377.78 RM308.33 RM266.67
RM20,000 RM1,033.33 RM755.56 RM616.67 RM533.33
RM50,000 RM2,583.33 RM1,888.89 RM1,541.67 RM1,333.33

20% (Break Free From Your Credit Card Balances!
Cash Back 1 January 2010 - 31 July 2011)

*Based on a financing tenure of 5 years for RM5,000.
**48 hour loan approval is subject to terms and conditions. Other terms and conditions apply.

Futher Information:

Please Call or Sms Me - Eric 017 - 2666 541
Give Me A Chance For Serve You

This post has been edited by eric5227: May 12 2011, 02:23 AM

interest 24% per annum

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Added on May 12, 2011, 2:57 amhi eric,i got a pl with hlb nearly 1 years.can i apply for another pl?can u check for me.ord pm u

This post has been edited by nokiaXP: May 12 2011, 03:08 AM

Just asking yah...

Can't bank check with other bank on the applicant's savings account's details? That's why they need us to give them our bank statement?