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 Personal Loan, which banks offer the best deal?

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zerro.yap
post Apr 19 2011, 08:16 PM

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QUOTE(500Kmission @ Apr 19 2011, 01:21 AM)
but the problem is credit card need my income disclose which i dont have it. now i study ACCA full time.
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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
zerro.yap
post Jun 4 2011, 02:24 PM

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QUOTE(mykev76 @ Jun 3 2011, 12:57 PM)
All sifu ,

Just would like to ask , to apply loan , normally advise is to just apply for 1 bank or apply 2/3 banks , and see what is the result ? and take the best one ?
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Hi there,

For your information, unsecured lending (Eg, P.Loan) has a different process with secured lending (Eg, H.Loan).
If you apply P.Loan through all the banks at once, you might get your applications all rejected sometimes.
It is because bank could notice your applications in CCRIS report and they will consider that this would be a risk to loan a person who has such many P.Loan. Hence, you should apply P.Loan one bank by one bank.
I would suggest you do your survey 1st before you apply as it could fulfill your statement of "and take the best one ?".

Aside to sharilazri, I agree with you totally! [LIKE]

Regards,
Zerro Yap
017-4515158
zerroyap@ocbc.com
zerro.yap
post Jun 8 2011, 12:01 AM

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QUOTE(biss_man @ Jun 7 2011, 04:00 PM)
need advice on ploan, my ccris is as following;

housing loan 00000000000
housing loan 00000000000
car loan 011122211100

can i get any ploan from bank?
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Hi,

I am so sorry to say that most of the banks could not provide you personal financing service unless the "2" disappear from your CCRIS report.
Cheers.
zerro.yap
post Jul 3 2011, 11:50 PM

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QUOTE(bulkbiz @ Jul 3 2011, 09:53 AM)
Which banks offer 7.5% rates nowadays?
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OCBC Bank for sure. =)

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