Personal Loan, which banks offer the best deal?
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 Apr 3 2009, 10:43 AM
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Newbie
2 posts Joined: Mar 2009 
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QUOTE(Krovaxq @ Apr 3 2009, 09:55 AM) aiyaaa issit.... can you ask them? they have to get "penjamin" or not?my 3 frens are pvt sectors, all oso got max loan...80k ...how they got it T____________________T  thanks This post has been edited by kawaz750: Apr 3 2009, 10:44 AM |
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Apr 3 2009, 08:38 PM
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Junior Member
32 posts Joined: Apr 2009
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You might get a loan in the present scenario at lower rates.
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Apr 6 2009, 09:43 AM
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Junior Member
26 posts Joined: Jul 2008
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anyone here knows about standard charted personal loan? why there is few interest rates shown on their website?
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Apr 6 2009, 04:16 PM
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Junior Member
117 posts Joined: Sep 2007
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QUOTE(obiwankedah @ Apr 2 2009, 10:51 PM) yup got sms from al rajhi bank... personal loan approved dear obiwan,in just 3 days time... ok go! pls correct the following if wrong.. Hong Leong bank Affordable monthly installment Loan Amount 2 Years 3 Years 4 Years 5 Years RM5,000 RM258.33 RM188.89 RM154.17 RM133.33 RM10,000 RM516.67 RM377.78 RM308.33 RM266.67 RM20,000 RM1,033.33 RM755.56 RM616.67 RM533.33 RM50,000 RM2,583.33 RM1,888.89 RM1,541.67 RM1,333.33 Note: Interest Rate is flat 1% per month = 12% setahun!!! ================== AL rahji bank 8.5% setahun tapi ada fees la, dalam RM300 processing, stem duti dan insurans okla sini http://www.alrajhibank.com.my/content/arb_...c/pf_calc_b.htm ======================= CIMB FlexiCash "Term Loan" : BLR* + 6.10% per annum (daily rest) * BLR is currently at 5.95% = 12.5% setahun!!! ======================== Standard Chartered http://www.standardchartered.com.my/person...e/en/index.html aku tak faham?? which one? Financing Amount/ Interest Rate 8.50% 10.00% 11.25% 13.50% 17.00% ==================== RHB bank Interest Rate from (p.a.) Tier 1 RM2,000 RM10,000 =13.45%* Tier 2 RM11,000 RM50,000 =11.66%* Tier 3 RM51,000 RM99,000 =9.91%* Tier 4 RM100,000 RM150,000= 6.49%* ======================= HSBC Flat rate from 10% pa ======================== who can tell on maybank's interest for personal loan? thanks if compare for eg Hongleong @ 12%pa with normal credit card @ 18%pa...which one u think is better ? And is RHB @13.45% really higher than CIMB @ 12.5%?  rates alone dont tell the whole story...its how they calculate, bro ie whats the effective interest.  and i would rather charge credit card than take Al-Rajhi...unless got no choice laa |
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Apr 6 2009, 05:53 PM
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Junior Member
39 posts Joined: Aug 2006 
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QUOTE(obiwankedah @ Apr 2 2009, 10:51 PM) yup got sms from al rajhi bank... personal loan approved Bro... need ur advice. If i want to apply al-rajhi personal loan which step is better :-in just 3 days time... ok go! pls correct the following if wrong.. Hong Leong bank Affordable monthly installment Loan Amount 2 Years 3 Years 4 Years 5 Years RM5,000 RM258.33 RM188.89 RM154.17 RM133.33 RM10,000 RM516.67 RM377.78 RM308.33 RM266.67 RM20,000 RM1,033.33 RM755.56 RM616.67 RM533.33 RM50,000 RM2,583.33 RM1,888.89 RM1,541.67 RM1,333.33 Note: Interest Rate is flat 1% per month = 12% setahun!!! ================== AL rahji bank 8.5% setahun tapi ada fees la, dalam RM300 processing, stem duti dan insurans okla sini http://www.alrajhibank.com.my/content/arb_...c/pf_calc_b.htm ======================= CIMB FlexiCash "Term Loan" : BLR* + 6.10% per annum (daily rest) * BLR is currently at 5.95% = 12.5% setahun!!! ======================== Standard Chartered http://www.standardchartered.com.my/person...e/en/index.html aku tak faham?? which one? Financing Amount/ Interest Rate 8.50% 10.00% 11.25% 13.50% 17.00% ==================== RHB bank Interest Rate from (p.a.) Tier 1 RM2,000 RM10,000 =13.45%* Tier 2 RM11,000 RM50,000 =11.66%* Tier 3 RM51,000 RM99,000 =9.91%* Tier 4 RM100,000 RM150,000= 6.49%* ======================= HSBC Flat rate from 10% pa ======================== who can tell on maybank's interest for personal loan? thanks 1) Online or 2)Visit the branches how much can i apply if my salary is 2.5 K -learning- |
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Apr 6 2009, 11:22 PM
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Senior Member
594 posts Joined: Mar 2005 From: Bowser Koopa Castle
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Bank Islam 5.5% flat for some company. U can ask them. Up to RM150k. And i just took RM30k from Al-Rajhi and RM30k from Hong Leong. Both monthly installment is about the same. Like what the guy said, its all about how they calculate it.
I took Al-Rajhi because i plan to pay back in 2 months and their penalty is only 2 months of interest. Eg. pay full in APR and the penalty is installment for June and July (about 1200). Hong Leong is about the same but they give u rebate. Penalty is around 3k for early settlement. 3k if u pay up before 6 months. I didnt take Bank Islam because they will take about 2 weeks to process loans above 50k |
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Apr 9 2009, 04:25 PM
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Newbie
2 posts Joined: Apr 2009
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hi,
i am ting, i would like o get opinion for u guys regarding the personal loan.i would like to apply personal loan.anyone can give me idea?Thanks. Question:- 1. which bank is easier to get the personal loan? 2. wat is the require thing needed for apply the personal loan? Cheers... Added on April 9, 2009, 4:38 pmhi, i am ting, i would lik to apply personal loan. anyone can give me idea? This post has been edited by yawting: Apr 9 2009, 04:38 PM |
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Apr 10 2009, 11:59 AM
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Junior Member
16 posts Joined: Oct 2004
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Any 1 has took loan from fastloankl. They are license money lender under Kementerian Perumahan & kerajaan Tempatan di bawah Akta Pemberi Pinjaman 1951. Is it safe to take loan from them and are they loan shark hidden under the government? Any 1 have experience taking loan from them?
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Apr 10 2009, 01:04 PM
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Junior Member
324 posts Joined: Apr 2005 
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recently i just did personal loan.
comparing all the banks (exclude bank raykat type), foudn that al-rajhi provided me the cheapest %, which is 8.5%. just sharing some info, some others maybe u can consider eon bank 9%. |
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Apr 10 2009, 05:20 PM
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Newbie
2 posts Joined: Apr 2009
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QUOTE(ohho_poon @ Apr 10 2009, 01:04 PM) recently i just did personal loan. Hi,comparing all the banks (exclude bank raykat type), foudn that al-rajhi provided me the cheapest %, which is 8.5%. just sharing some info, some others maybe u can consider eon bank 9%. Thanks yr sharing.may iknow is it easier to apply the personal loan? because i wish to apply.  |
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Apr 10 2009, 07:06 PM
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Junior Member
16 posts Joined: Oct 2004
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QUOTE(maxgil05 @ Apr 10 2009, 11:59 AM) Any 1 has took loan from fastloankl. They are license money lender under Kementerian Perumahan & kerajaan Tempatan di bawah Akta Pemberi Pinjaman 1951. Is it safe to take loan from them and are they loan shark hidden under the government? Any 1 have experience taking loan from them? They only offer 1% per month, can they be trusted? |
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Apr 10 2009, 07:51 PM
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Junior Member
324 posts Joined: Apr 2005
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QUOTE(yawting @ Apr 10 2009, 05:20 PM) Hi, that is easy, you can log in to al-rajhi bank. download the form from there.Thanks yr sharing.may iknow is it easier to apply the personal loan? because i wish to apply. after you filled in all the information, you can either email or fax to them. in fact i was scanning the form, and i email it to them in 2-3 working days, they will inform me whether my loan is approved or not. after that there will be somebody call u up, and get back the original form from you, and ask u to sign the relevant document lor... the advantage is, u do not need to go to the branch to do all this, they will have personnel come to meet u up. |
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Apr 10 2009, 09:57 PM
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Junior Member
16 posts Joined: Oct 2004
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QUOTE(ohho_poon @ Apr 10 2009, 07:51 PM) that is easy, you can log in to al-rajhi bank. download the form from there. I want to loan 3k, will al-rajhi bank offer me that amount for 6 months?after you filled in all the information, you can either email or fax to them. in fact i was scanning the form, and i email it to them in 2-3 working days, they will inform me whether my loan is approved or not. after that there will be somebody call u up, and get back the original form from you, and ask u to sign the relevant document lor... the advantage is, u do not need to go to the branch to do all this, they will have personnel come to meet u up. |
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Apr 10 2009, 11:09 PM
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Senior Member
1,068 posts Joined: Jan 2007
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QUOTE(maxgil05 @ Apr 10 2009, 07:06 PM) They only offer 1% per month, can they be trusted? LOL. 12% interest. |
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Apr 11 2009, 02:19 PM
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Junior Member
16 posts Joined: Oct 2004
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Which bank will offer loan for 3k and allow payment in 6 month?
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Apr 12 2009, 05:51 PM
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Junior Member
31 posts Joined: Mar 2009
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how to make a personal loan? my income is RM 1800, and wut is the max amount i can get...
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Apr 13 2009, 02:41 AM
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Junior Member
356 posts Joined: Apr 2005 From: KOKO KOVID
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Hye,iam just working with oil and gas company.4 months.Salary below 3k w/o allowance.If go offshore more money.
Iam just curios max i can apply is how much ar?I would like to apply to top up my marriage fund.around 15-20k more than what i already saved from my personal business. Any agents here??hlep pls |
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Apr 15 2009, 03:09 AM
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Junior Member
144 posts Joined: Feb 2008 From: Penang resides in Kayelll
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Any banks that offers Personal Loan for those whose salary is RM1,800-00 per month?
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Apr 15 2009, 12:58 PM
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Junior Member
324 posts Joined: Apr 2005
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QUOTE(maxgil05 @ Apr 10 2009, 09:57 PM) I want to loan 3k, will al-rajhi bank offer me that amount for 6 months? i dont get you what is the meaming "will al-rajhi bank offer me that amount for 6 months"?as wat i know the max is 5x from your salary. normally 3k should be very easy (i think only). |
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Apr 16 2009, 01:02 PM
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Senior Member
1,392 posts Joined: Nov 2007 From: House 
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hello expert... i am planning to apply for p.l with al rajhi.. my gross salary is 2.5k and work with private company almost 1 year..is it ok to apply loan there?? already try with bank rakyat but got some problem with the payment scheme bcoz im working with private sector..with my salary how much can i get for personal loan wit alrajhi?? thanks in advance..
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