i think it is same thought out the banks, as long as you had been confirmed by the employer and have few months pay slip with you. i think it is suffice, but i think Ambank has a better offer which i saw months ago probably you can go and checked it out

http://www.ambank.com.my/personal/loansfin...financing-i.asp

Eligibility
Open to Government, Semi-Government Agencies, Royal Malaysian Police and Government-Linked Companies' employees between 19 to 58 years of age. - FAILED
Minimum 3 months of steady employment (2 years if under contract) with monthly deduction not exceeding 60% of the gross salary. - PASS

once again, not possible.

This post has been edited by mooze: May 20 2009, 12:47 PM

bro RM222.44 and 5years is how much loan u get?

like i said, hard to go for loan with Rm2k salary. in other thread someone is promoting HSBC bank loan with very low requirement, probably you can check it out

http://www.hsbcamanah.com.my/1/2/personal/...-i-requirements


so, another no. i guess i'll stop searching then. have to upgrade my job to a RM2,000+ position.
thanks all for your advice.

Try OCBC Cash Financing-i with offer of 9.5-11.5% flat rate per annum.




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UPDATE: initially I opened a thread for this post, but it has been automatically moved into this thread by moderator. i don't mind but i believe my post would be better if its posted in 1st page of this thread. moderator,if u're reading this, please do consider my request. just want to help out people like us with tight budget. thank you.

First of all, I am not a staff of these banks listed below, so please do not forward to me further inquiries about their financial products. What I only did was personally gone through each websites and copied over the links here. I am not responsible for whatever action you will take from here, you have been informed. Proceed at your own risk!

The reason this thread is opened is to help people(like myself before this) who wish to know more about Personal Loans(exclude house/car/business/overdraft loans) offered by local banks, rather than only randomly finding out their interest rates or other advantages even before confirming they could even apply for the loan in first. In conclusion, save your time by briefly checking the requirements through the links provided.

I do recommend that everyone check out forumer goldfries' thread first before deciding to take out a loan => Personal Financial Management
Spend wisely, people!

Forgive me if there are any missing/inaccurate/outdated info below. I have tried my best in browsing through their conventional/islamic banking services as some banks offer either or both types of personal loans under those services.
For further info, please refer to the main page of banks website and browse through their products pages. Or just call their customer service straight away, best option at hand.


Bank Islam
http://www.bankislam.com.my/
http://www.bankislam.com.my/Package.aspx
03 26900900

Maybank
http://www.maybank2u.com.my/
http://www.maybank2u.com.my/maybankislamic...financing.shtml
1 300 88 6688

CIMB
http://www.cimbclicks.com.my/
http://www.cimbislamic.com/index.php?ch=is...ess&tpt=islamic
http://www.cimbbank.com.my/index.php?ch=su...9&tpt=cimb_bank
1 300 880 900

Bank Rakyat
http://www.bankrakyat.com.my/
http://www.bankrakyat.com.my/web/guest/financingi
03-26129600

Standard Chartered
http://www.standardchartered.com.my/
http://www.standardchartered.com.my/person...k-cash-edge/en/
1 300 880 388

Affin Bank Berhad
http://www.affinbank.com.my/
http://www.affinbank.com.my/banking/concredit/conloan9.htm <= only for soon to be retired malaysia army
03-5522 3000

Bank Muamalat
http://www.muamalat.com.my/
http://www.muamalat.com.my/index.php?pg=co...32&do=promotion
03-2059 1258
03-2059 1356

Al Rajhi Bank
http://www.alrajhibank.com.my/
Click on Personal Banking => Financings => Personal Financing-i
1300 82 6000

HSBC
http://www.hsbc.com.my
http://www.hsbcamanah.com.my/1/2/personal/...d=MYHA_CPIL_FOM
1 300 80 2428

Alliance Bank
http://www.alliancebank.com.my
http://www.allianceislamicbank.com.my/cash...ing_i_more.html
03-5516 9988

EON Bank
http://www.eonbank.com.my/
http://www.eonbank.com.my/promotions/loans...sonalloan.shtml
03 26161133

AmBank Group
http://www.ambg.com.my
http://www.ambg.com.my/personal/loansfinan...financing-i.asp
1300 80 8888

Citibank
http://www.citibank.com.my/
Personal Loan Not Available (if not mistaken)
603-2383 0000 (KUALA LUMPUR)
604-296 0000 (PENANG)
607-268 0000 (JOHOR BAHRU)
1-800-82-1010 (SABAH & SARAWAK)

Hong Leong Bank
http://www.hlb.com.my/
http://www.hlb.com.my/pfs/loan/loanpl_f.jsp?flag=loanpl_f
03-76268899

OCBC Bank
http://www.ocbc.com.my/
http://www.ocbc.com.my/personal-banking/Is...cid=M6_C3_S2_P1
1-300-88-5000

Public Bank
http://www.pbebank.com/
http://www.publicislamicbank.com.my/pibb/e...sonal/bpfi.html
1-800-88-3323
1-800-88-3318

RHB Bank
http://www.rhbbank.com.my
http://www.rhbbank.com.my/personal/cards/c...cing/index.shtm
http://www.rhbislamicbank.com.my/index.asp...rsonalfinancing
03-9206 8118 (WM)
082-276 118 (EM)

UOB Bank
http://www1.uob.com.my
http://www1.uob.com.my/webpages/p_loans_esCash.htm
Kuala Lumpur(6) 03-26128 121
Penang(6) 04-2401 121
Johor Bahru(6) 07-2881 121
Kuching(6) 082-287 121
Kota Kinabalu(6) 088-477 121



Footer Note:
Personal financial consultants, please do not spam this thread with marketing/promotion posts.
If you see any forumers seeking advice, please do directly PM them instead of posting here. Thank you!

This post has been edited by mooze: May 20 2009, 03:51 PM

sorry forgot to state that the amount of loan is RM10k for both bank...

TRY OCBC 30 DAYS FREE TRIAL SAMPLE CASH..
ITS FREE-NO INTEREST CHARGE IF YOU CAN FULLY PAY THE LOAN WITHIN 30 DAYS!
INTERESTED? PM ME... nurshaznida@ocbc.com

heard from my friend that scb offered 4.99% pl rates. anyone from scb can confirm this?

anyone know anything about standard chartered saddiq Personal Financing-i? I try to apply. I use my insurance policy info. Now in 70% stage, most probably will approve. But I'm kind of worry. The interest is 14-30% on reducing balance. Surely it's cheaper than credit card interest (coz I wanna use it to cut my credit card) but reading in this topic, it seems other banks can offer less than 10% per annum.


But the thing is, not sure those banks accept insurance policy info to apply for loan. Plz advice.

i'm not really understand about personal loan..i just want to ask sifu² here...which bank now give the lowest interest and good package for personal loan financing base on monthly payment...and it is applicable for private sector...my salary is above 2k and i don't hv anything to pay (house, car, loan, etc)..i'm planning to use the money to re-invest...hope someone can give idea...

(^___^)

personal loan would not fit your purpose unless you can get more return than what personal loan charge you.

Hi, hope this help

http://www.efficient-rates.com/public_rate.php?code=personal

thanks dude...

wow, is there any advertisement for this? seem like nvr come across before!!!

how much the max can loan for this?

need to ask, currently need some money to start up business. It is wise to refinance my house loan or go for personal loan?
My housing loan still within lock in period.

Your approval rate is so low, and your credit policy is so tight.....I seriously wonder why OCBC is even in the personal financing business.

Housing loan is the cheapest because your house (property) is the best collateral.

thanx for the link...

(^_____^)