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 Personal Loan, which banks offer the best deal?

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snowbird1054
post Jun 30 2011, 05:07 PM

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Any Hong Leong bank agent here that can apply Cash On Call for me?

Pls PM me. thanks.
unknownhammie
post Jul 1 2011, 12:52 PM

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wahaha... all bank reject my application due to "possible high commitment"

lmao.. canot apply d...
umapathy
post Jul 1 2011, 01:17 PM

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Hai Guys,

Can i re-apply personal loan at the same bank or other banks after 3 months payment of current loan?

Please advice.

Thanks
Bonescythe
post Jul 1 2011, 01:31 PM

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QUOTE(Radiogaga @ Jun 30 2011, 03:46 PM)
i need an advise.i already had a 150k PL (20 year tenure)+ 13k cc debt.im working in semi goverment sector with rm2.5k salary per month.i made huge sum of loan for the past 5 year past funding for family medical treatment.

im not blacklisted and dun have any ccris or ctos bad record.i dun really have much problem paying for the monthly loan instalment since i got extra income from my part time job (running a small retail shop) to cover my monthly expanses.

my problem is i need more 20k PL to clear all cc debt + to expand my shop.i try apply for more PL but rejected coz they said i already exceed max limit for PL.any agent can help me out with my next PL or mybe giving me an advise on how to clear all my debt.

thanks.
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Omfg.. The importance of Insurance.. If not, really scary..
Radiogaga
post Jul 1 2011, 03:37 PM

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QUOTE(Bonescythe @ Jul 1 2011, 01:31 PM)
Omfg.. The importance of Insurance.. If not, really scary..
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yeap so true..most of the time we always think that nothing bad will happens to us or someone around us and we need no life insurance.
but when it does..u know u in really deep shyt.life moves on..got to bounce back.is it really armageddon next year? biggrin.gif

Bonescythe
post Jul 1 2011, 04:14 PM

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QUOTE(Radiogaga @ Jul 1 2011, 03:37 PM)
yeap so true..most of the time we always think that nothing bad will happens to us or someone around us and we need no life insurance.
but when it does..u know u in really deep shyt.life moves on..got to bounce back.is it really armageddon next year? biggrin.gif
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Brother.. I dunno how to help you. But one thing for sure, you are really a great person. Despite earning 2.5k only, and with such big burden at your back, because of close family members.

I salute u for your perseverance.
andizulkarnain
post Jul 1 2011, 07:13 PM

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i am wondering how i can get a PL as much and long tenure as radiogaga? My salary is abt 6k per month.
Bonescythe
post Jul 1 2011, 07:57 PM

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QUOTE(andizulkarnain @ Jul 1 2011, 07:13 PM)
i am wondering how i can get a PL as much and long tenure as radiogaga? My salary is abt 6k per month.
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RHB can.. They had loan for tenure more than 10 years..

Can enquire for more info at those Monorail station
andizulkarnain
post Jul 2 2011, 12:03 AM

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thanks bonescythe...

do u also know where i can get loan to buy a business? i've been offered a franchise business and the financial statement is very sound but it will cost 400k. I am wondering where i can get that amount of money since i only have a fraction of that.
nokiaXP
post Jul 2 2011, 01:53 AM

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QUOTE(umapathy @ Jul 1 2011, 01:17 PM)
Hai Guys,

Can i re-apply personal loan at the same bank or other banks after 3 months payment of current loan?

Please advice.

Thanks
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sure cannot.need wait 1 years
fahrur_07
post Jul 2 2011, 02:29 AM

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i apply for cimb pl on 23/6/11
get call from the bank ask for confirmation letter on 29/6/11
sent the confirmation letter on 30/6/11
get call from cimb that my pl was approved on 1/7/11 rclxm9.gif
CalvinKS
post Jul 2 2011, 05:21 PM

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Try Hong Leong Bank, the rates not bad... wink.gif
bulkbiz
post Jul 3 2011, 09:53 AM

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Which banks offer 7.5% rates nowadays?

This post has been edited by bulkbiz: Jul 3 2011, 09:55 AM
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. =)
face
post Jul 4 2011, 02:01 PM

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DEAR ALL SI FUU OUT THERE,

PLEASE ADVICE IF I NEED 100k loan ?

salary is 3100
extra income asbn , shares = 90
ot around 150-300 per month

car loan =rm598 ( 2years to go ) ?

credit card limit rm 4k only 1 = every month clear.

can i get loan ?
fahrur_07
post Jul 4 2011, 06:44 PM

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which bank offer lowest interest rate?
benjamin_haykael
post Jul 4 2011, 10:33 PM

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QUOTE(nokiaXP @ Jul 2 2011, 01:53 AM)
sure cannot.need wait 1 years
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can try after 3 mths in SCB , sumtimes like ccris thingy cases which was rejected earlier, maybe can approve the 2nd time.. but high commitment cases a bit susah la.. coz ur commitments will stay same after 3 mths..unless u settle sum
FyQaKamarolZaman
post Jul 6 2011, 02:57 PM

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QUOTE(fahrur_07 @ Jul 4 2011, 06:44 PM)
which bank offer lowest interest rate?
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i would say bank rakyat..
umapathy
post Jul 6 2011, 05:30 PM

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QUOTE(benjamin_haykael @ Jul 4 2011, 10:33 PM)
can try after 3 mths in SCB  , sumtimes like ccris thingy cases which was rejected earlier, maybe can approve the 2nd time.. but high commitment cases a bit susah la.. coz ur commitments will stay same after 3 mths..unless u settle sum
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But SCB rejected my applications due to i don't have credit card...how come like this also got ah?
javwa
post Jul 6 2011, 09:27 PM

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QUOTE(umapathy @ Jul 6 2011, 05:30 PM)
But SCB rejected my applications due to i don't have credit card...how come like this also got ah?
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u not alone.some bank oso my reject application b'coz i got no credit card and no ccris record laugh.gif .. funny.

anyway, self employed..i mean 'berniaga', really can apply for PL?i had try few all rejected.
any idea how i can get PL?biz loan rate are quite high.
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