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 ?

If we have that privillege to choose the best financial institution would be ideal. But in reality bank will choose their customer.

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

I also applied with MBB,CIMB,HSBC,Standard Chartered, Bank Islam,Al-Rajhi, Citibank, all failed.

Saw a RHB Easy outlet, walked in, passed them my IC, and got a 10k loan on the spot.

U got existing loan with other bank? If I'm not mistaken if we have existing loan with other financial institution,
easier if not need to bring 3months payslip to RHB Easy kiosk..

Can list out the interest rate for ploan for all the bank??

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?

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.

definately no problem to get ploan from any bank,as long as the "2" is not at the recent month.

hey guys anyone know whats the top 5 ranked banks in terms of personal loan currently? And about their key selling point?

Maybank and RHB Bank quite good..

Lower interest = harder to approved from my personal experience..

wrong..approve or not is not depend on high or low interest rate. Approval is based on ur ccris,ctos,commitment,payment behaviour,while interest rate r follow the bank"s policy,whether is follow ur loan size or follow ur income or follow ur financial background.

You are right. What I mean is reality in life. Eg. Bank rakyat giving low interest BUT only Govt. servant, badan berkanun & certain company can apply..

Dear guys, now i have pl with rhb easy. want to know to calculate the settlement for it.
borrowed rm18 000/first payment is on dec2010/last is may2011 so already 6 month no penalty rite? and each month deduct rm486+15 (insurances) 5yrs plan.
balance outstanding now is rm17097.40 in bank statement
since interest is 11.63% flat its about rm2093.4 yearly
since i paid rm2916 already and 6month interest is rm1050??
2916-1050 =rm1866
when i do full settlement is i am paying 18000-1866=Rm16134 or pay the bank outstanding rm17097???
Any one can teach me, thanks alot.

eng_tat : did u asked them whether there is any penalty if u settle early and do they re-calculate the interest for early settlement... if u take 5 years, but settle in 2 years, u only pay for 2 years interest in SCB .

Intends to make PL RM50K.. any advise? which bank can give the 98%-99% of payout and 10-15 years instalment? coz i checked Bank Rakyat the payout is just RM47K++.. i heard Public Bank can give the payout almost 99% which is RM49k++ but that is only for local gov servant. anyone?

This post has been edited by lucas_podolski: Jun 9 2011, 09:29 PM

heard std chrtd offered personal loan with interest lowest 7.5% repayment up to 5 yrs...
no processing fees with cash back yearly...quite good offer.

apply more than 100k... pls check properly..

any way to get loan ? my CCRIS not enough score