but your approval rate is less than 15%?

ok then. ABMB AR on par with industry. I hope u will get sustainable income. Good luck.

Go no further than MBSB or Bank Rakyat. Compare the rates across the tenure which u desire. g'luck.

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

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.

in life there are always exceptions......it's called deviation approval.

I had an acquintance that did this a couple of months back upon request and deviation approval.

unfortunately, the minimum income requirement for most banks is RM 2K per month, for Personal Loans. Most banks would also want to know if u have a credit card which has a track record for at least one year.

You can try asking some bankers if your application can be considered if u apply with a guarantor to support your case.....this is on an exception approval basis.....but the outcome may not be favourable...