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 Personal Loan, which banks offer the best deal?

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kenshin1
post Aug 1 2011, 01:37 AM

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QUOTE(T630 @ Jul 31 2011, 06:50 PM)
hlb offered me 0.88%/mth up to 80k from credit credit limit... still too high for me!  whistling.gif
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bos, apply alliance bank 0.74% per month


Added on August 1, 2011, 1:38 am
QUOTE(Phoeni_142 @ Jul 31 2011, 09:30 PM)
but your approval rate is less than 15%?
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who said that? can u prove it? alliance approval rate is same like others.... even better than hlb....

This post has been edited by kenshin1: Aug 1 2011, 01:38 AM
nxsia
post Aug 1 2011, 06:34 AM

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For goverment servent, what bank is giving lowest rate for personal loan. Thanks in advance
Phoeni_142
post Aug 1 2011, 04:42 PM

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QUOTE(kenshin1 @ Aug 1 2011, 01:37 AM)
bos, apply alliance bank 0.74% per month


Added on August 1, 2011, 1:38 am

who said that? can u prove it? alliance approval rate is same like others.... even better than hlb....
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ok then. ABMB AR on par with industry. I hope u will get sustainable income. Good luck.
redjinx
post Aug 1 2011, 05:48 PM

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Hi..

I would like to apply bank loan for my wedding.

Is there any loan that use asb savings as collateral to get low interest?

I need 20k. I got 20k in my ASB saving.

I plan not to use it until i hv finish serv the loan.

Plz help.
Phoeni_142
post Aug 1 2011, 08:36 PM

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QUOTE(nxsia @ Aug 1 2011, 06:34 AM)
For goverment servent, what bank is giving lowest rate for personal loan. Thanks in advance
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Go no further than MBSB or Bank Rakyat. Compare the rates across the tenure which u desire. g'luck.
T630
post Aug 1 2011, 09:13 PM

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i took ocbc cash-i during their promo 5.5% p.a. 6mths ago biggrin.gif
xing87
post Aug 2 2011, 12:26 AM

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Hello,
Currently our personal loan offering a personal loan whereby no guarantor or collateral needed. While the interest can be as low as 0.86%. The loan amount can be up to RM150,000. You have to have a credit card more than 1 year to be eligible to apply for this loan. No document is needed except your IC. It is very convenient and hassle free.

You can contact me at this number 010-2254342 Tommy.

mahdes77
post Aug 2 2011, 08:45 AM

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may i knw what is the minimum basic salary for apply PL??
xing87
post Aug 2 2011, 11:48 AM

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You only need a minimum usage of 1 year credit card to apply for PL
shawnkh
post Aug 2 2011, 12:29 PM

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QUOTE(xing87 @ Aug 2 2011, 12:26 AM)
Hello,
Currently our personal loan offering a personal loan whereby no guarantor or collateral needed. While the interest can be as low as 0.86%. The loan amount can be up to RM150,000. You have to have a credit card more than 1 year to be eligible to apply for this loan. No document is needed except your IC. It is very convenient and hassle free.

You can contact me at this number 010-2254342 Tommy.
*
if my credit card only with 11months, can i have a try?
xing87
post Aug 2 2011, 02:11 PM

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better wait up to full 12 month because it'll be rejected
mahdes77
post Aug 2 2011, 07:35 PM

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if no credit card??
hanboy
post Aug 2 2011, 11:57 PM

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QUOTE(mahdes77 @ Aug 2 2011, 08:35 PM)
if no credit card??
*

you can use your income to apply also.

We are offering interest rate as low as 8.5% + 1% Cash Back.
Phoeni_142
post Aug 3 2011, 02:05 AM

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QUOTE(mahdes77 @ Aug 2 2011, 07:35 PM)
if no credit card??
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some banks offer either mortgage prompt, credit card prompt or through your payslips.

if u r self-employed - 3 months bank statements, with your Tax return + Form 9, 24 and 49
redjinx
post Aug 3 2011, 03:46 PM

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QUOTE(redjinx @ Aug 1 2011, 05:48 PM)
Hi..

I would like to apply bank loan for my wedding.

Is there any loan that use asb savings as collateral to get low interest?

I need 20k. I got 20k in my ASB saving.

I plan not to use it until i hv finish serv the loan.

Plz help.
*
Anyone here can help to get my personal loan above ?

icon_question.gif icon_question.gif
UbuntuClient
post Aug 4 2011, 03:28 PM

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It's depend on your salary. Usually x 4 or x 5 your salary.
loan_application
post Aug 5 2011, 12:44 PM

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Personal Loan (Non-government staff)

Who Interested In Personal Loan ...!
Currently we dealing with 10 banks
HSBC, CIMB, OCBC and 7 others

Average interest rate start from 6.75% ~ 12% p.a
Loan amount up to RM 150,000 (Personal loan)
Tenure 2 ~ 5 years (Certain bank up to 7 years)
Process date 2 ~ 7 working days

Personal loan
Housing loan
Business loan

Besides, we able to adjust your high commitment problem
Calculate your commitment if you're using credit card !
Calculate how much you can get !
With HIGHER approval rate compare walk-in

We will advise or give opinion about your financial problem
For more further information, kindly call or sms
Mr. CK (016-2293873)
Email: loan_application@hotmail.com

TQ and have a nice day
Phoeni_142
post Aug 6 2011, 03:44 AM

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QUOTE(redjinx @ Aug 3 2011, 03:46 PM)
Anyone here can help to get my personal loan above ?

icon_question.gif  icon_question.gif
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Try CIMB. But walk into their branches for this one, and try not to use their mobile sales people. Reason being, you may have to appeal to the branch manager for help / deviation approval.

If i'm not mistaken, CIMB does offer Personal Loans to customers who intend to purchase ASB. It is called a ASB loan, using ASB as collateral.

For your case, it's slightly different. You have the ASB already, and now want to pledge it to the bank, to apply for a loan. Logically, the principle is the same - but the operational flow is different.

Give it a go, and see if they can help. Best I can think of at the moment. cheers.
sharilazri
post Aug 6 2011, 10:18 AM

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Sometimes ago normally people will do OD against ASB. Now it can't be done already.
Mrrayban
post Aug 7 2011, 12:56 AM

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BEST PERSONAL LOAN?
Kuwait finance house offer the BEST plan in malaysia!!!
with lowest interest in malaysia right now! only 4.99%
with 100% payout dude!!! FIRST in malaysia lets said you apply RM50k you'll get RM50k!!
* BUT this offer only for government sector!!!

want it? call me 016-4408341 [En. Alwi]

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