can i apply more than one bank for personal loan in the same time?izit possible?

This post has been edited by dzila_87: May 17 2011, 11:54 AM

this thread don`t have specific table for PL offered by bank. it will be very convenient if we have it on the first page.

anyone working on it??

hello...lowest is cimb 7.88%..but cimb and maybank ploan are not the same like others (scb, hlb, eon, uob,hsbc and alliance) totally different ....
2nd is alliance 8.88%....

if u dont hv credit card/ ploan more than a year but income more than 2.5k.. look for maybank and cimb...
if u hv credit card and so on.. look for others

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Added on May 17, 2011, 3:55 pmyes.. sure... 2,3,4,5,6 no problem....

when u mention about this... i start to piss for those agency, wat agency, pre approved, 11 banks...how much amount u want can get for u...

it's stupid,all lies... normally 1 bank wld giv u x5 of ur income only.... if u wan more than that, apply at other bank until ur commitment hit 80% of ur income... agency said will do,it's all bullshit..they apply for 5-6 banks..not even 11 banks cos others are not active in ploan...

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Added on May 17, 2011, 3:57 pmif u want, i can get HLB, rhb, hsbc, alliance, standard charted, uob for u....

This post has been edited by kenshin1: May 17 2011, 03:57 PM

Am not really sure but I was offered a 7% p/a interest rate by Standard Chartered the other day when I opened a savings account with them. They were having some kind of a promotion for staff in my company...

yes.. there is pre-approved loan,offered by bank directly but NOT 3RD PARTY....lower interest,very very simple doc..

Only ic?then how much they borrow u since they
dunno your income

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Added on May 19, 2011, 12:50 pmCan but no good.if 1 bank reject and others saw the status and it will reject too

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Added on May 19, 2011, 12:51 pmRhb loan juz need i.c?

This post has been edited by nokiaXP: May 19 2011, 12:52 PM

RHB easy personal loan not so easy to get... i tried 2nd times on RHB keep get reject for no reason...

anyone here consultant from HSBC and OCBC? I would like to make some inquiries regarding their personal loan...plz pm me....

Commitment over how much from your salary than cant get pl?

Guys, anyone know about Personal Loan from BSN. Apparently there is this one called Sandaran Sijil Simpanan Tetap (STT). What exactly is STT? Is it the same as SSP?

I m from ocbc,previously from scb and citi ploan..u may pm me for ur enquiries..

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Added on May 22, 2011, 2:48 pmbasically when u apply ploan,pls not to apply more than 2 bank concurrently,even ur ccris record show u r very good paymaster and less commitment,most of the bank have it credit evaluation dept,they will judge ur case by ur ccris behaviour,I know it couz I has been work for 3 diff bank ploan.

basically the limit of a person on unsecure loan is at 13,14,15x of ur monthly income. this is the rules by BNM,how it calculate? it count only outstanding of ur cc n ploan.

why bank will approve ur loan without document but only IC?couz they will check ur ccris at BNM,normally they take ur highest cc limit which is more than 1year,then devide by 3 or 4,that's ur monthly income.Some may use ur house loan to determine ur monthly income like scb.



This post has been edited by hanalolu: May 22 2011, 02:48 PM

hi guys,

previously my CCRIS is quite bad..
I've paid promptly and I've checked with Bank Negara and found that my history payment status is "0" for the 7months..(from October 2010 - april 2010)..

If i apply PL.. will my application be rejected? my salary is rm3.4k..

Thanks.


** correction... (from October 2010 - April 2011)..hehe

This post has been edited by mr_shaw: May 23 2011, 02:08 PM

for most of the bank,u cannot have "3" in ur latest 6 mth ccris,cannot hav "2" in ur latest month,cannot have more than two "3" in ur last 6 mth,cannot have a sequence of "2" in ur ccris..pls c below ccris example

122222221122 reject couz poor behaviour
211111211111 reject couz recent got "2"
111131111111 reject couz got 3 in latest 6mth
000000300030 reject couz got >two "3"

Are there any personal loan that can lend ppl working in private sector until 20 years? I know CIMB has an offer for govt servants.

normally if u apply for a pl from any bank within 3 days no officer call u then sure get rejected

what is 2 and 3 means ? @@

1 is missed payment right?

hmm interesting topic.. i was about to go to loan shark || kinda need an urgent PL RM4k for 1 year or 6months salary RM2.2k

scb,maybank,uob,eon bank,cimb all reject my pl but at last ocbc approved my pl,thanks

no such personal loan can let u have more than 10yrs tenure..as well for those bank rakyat,bank Islam..

if no news for more than 3 days,try call to customer services n ask.not nessasory it is rejected,might be in further review,or pending document or pending confirmation,or internal checking..

the "1" means 1mth late payment, "2"means 2 month continue late payment..blah blah blah..

ocbc approved my pl but reject my cc application,lol