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 Personal Loan, which banks offer the best deal?

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gidhee88
post Oct 8 2009, 12:13 AM

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QUOTE(IceQTurbo @ Jun 28 2007, 01:00 PM)
I am trying to get a personal loan, does anyone knows which bank offer the best rates? HSBS offers flat rate ranging from 10-12% depending on the loan, any other banks which offers better rate?
*
KOPERASI GEMILANG SISWAZAH BERHAD
(NO PENDAFTARAN W-6-0390)

SKIM PINJAMAN PERIBADI KOPERASI
RM 100,000
TERBUKA UNTUK KAKITANGAN
KERAJAAN & BADAN BERKANUN SAHAJA

• TANPA PENJAMIN
• BLACKLIST, CTOS, CCRIS MASIH LAYAK MEMOHON
• POTONGAN BULANAN MELALUI BIRO ANGKASA
• TEMPOH PENJAMIN SEHINGGA 15 TAHUN
• KERJA 3 BULAN & BERJAWATAN KONTRAK LAYAK MEMOHON
• 100% MUALAMAT ISLAM & DILINDUNGI INSURANS
• PINJAMAN BERTINDAH (OVERLAPPING) JUGA BOLEH DIURUSKAN
• KELULUSAN SEGERA 3-5 HARI BEKERJA

AMOUNT 8THN 9 THN 10 THN 11 THN 12 THN 13 THN 14 THN 15 THN
10,000 172.50 160.80 151.50 148.10 141.70 136.30 131.70 127.70
20,000 345.00 321.60 303.00 296.20 283.40 272.60 263.40 255.40
30,000 517.50 482.40 454.50 444.30 425.10 408.90 395.10 383.10
40,000 690.00 643.20 606.00 592.40 566.80 545.20 526.80 510.80
50,000 862.00 804.00 757.50 740.50 708.50 681.50 658.50 638.50
60,000 1035.00 964.80 959.00 888.60 850.20 817.80 790.20 766.20
70,000 1207.50 1125.60 1060.50 1036.70 991.90 954.10 921.90 893.90
80,000 1380.00 1286.40 1212.00 1184.80 1133.60 1090.40 1053.60 1021.60
90,000 1552.50 1447.20 1363.50 1332.90 1275.30 1226.70 1185.30 1149.30
100,000 1725.00 1608.00 1515.00 1481.00 1417.00 1363.00 1317.00 1277.00

KADAR FAEDAH SERENDAH DARI 5.05% SETAHUN

Hubungi Penasihat Pinjaman : Mr Hee 016-7498863

(Penasihat sambilan/sepenuh masa dikehendaki)

Added on October 8, 2009, 1:08 am
QUOTE(prudential @ Sep 29 2009, 04:24 PM)
Al Rajhi Bank

8.5%.. i just call them up
*
KOPERASI GEMILANG SISWAZAH BERHAD
(NO PENDAFTARAN W-6-0390)

SKIM PINJAMAN PERIBADI KOPERASI
RM 100,000
TERBUKA UNTUK KAKITANGAN
KERAJAAN & BADAN BERKANUN SAHAJA

• TANPA PENJAMIN
• BLACKLIST, CTOS, CCRIS MASIH LAYAK MEMOHON
• POTONGAN BULANAN MELALUI BIRO ANGKASA
• TEMPOH PENJAMIN SEHINGGA 15 TAHUN
• KERJA 3 BULAN & BERJAWATAN KONTRAK LAYAK MEMOHON
• 100% MUALAMAT ISLAM & DILINDUNGI INSURANS
• PINJAMAN BERTINDAH (OVERLAPPING) JUGA BOLEH DIURUSKAN
• KELULUSAN SEGERA 3-5 HARI BEKERJA

AMOUNT 8THN 9 THN 10 THN 11 THN 12 THN 13 THN 14 THN 15 THN
10,000 172.50 160.80 151.50 148.10 141.70 136.30 131.70 127.70
20,000 345.00 321.60 303.00 296.20 283.40 272.60 263.40 255.40
30,000 517.50 482.40 454.50 444.30 425.10 408.90 395.10 383.10
40,000 690.00 643.20 606.00 592.40 566.80 545.20 526.80 510.80
50,000 862.00 804.00 757.50 740.50 708.50 681.50 658.50 638.50
60,000 1035.00 964.80 959.00 888.60 850.20 817.80 790.20 766.20
70,000 1207.50 1125.60 1060.50 1036.70 991.90 954.10 921.90 893.90
80,000 1380.00 1286.40 1212.00 1184.80 1133.60 1090.40 1053.60 1021.60
90,000 1552.50 1447.20 1363.50 1332.90 1275.30 1226.70 1185.30 1149.30
100,000 1725.00 1608.00 1515.00 1481.00 1417.00 1363.00 1317.00 1277.00

KADAR FAEDAH SERENDAH DARI 5.05% SETAHUN

Hubungi Penasihat Pinjaman : Mr Hee 016-7498863

(Penasihat sambilan/sepenuh masa dikehendaki)

Added on October 8, 2009, 1:09 am
QUOTE(musha01 @ Sep 1 2009, 01:36 AM)
i think it is company money lender, but i am afraid it is like Ah Long association...anyone knows well this company?
*
KOPERASI GEMILANG SISWAZAH BERHAD
(NO PENDAFTARAN W-6-0390)

SKIM PINJAMAN PERIBADI KOPERASI
RM 100,000
TERBUKA UNTUK KAKITANGAN
KERAJAAN & BADAN BERKANUN SAHAJA

• TANPA PENJAMIN
• BLACKLIST, CTOS, CCRIS MASIH LAYAK MEMOHON
• POTONGAN BULANAN MELALUI BIRO ANGKASA
• TEMPOH PENJAMIN SEHINGGA 15 TAHUN
• KERJA 3 BULAN & BERJAWATAN KONTRAK LAYAK MEMOHON
• 100% MUALAMAT ISLAM & DILINDUNGI INSURANS
• PINJAMAN BERTINDAH (OVERLAPPING) JUGA BOLEH DIURUSKAN
• KELULUSAN SEGERA 3-5 HARI BEKERJA

AMOUNT 8THN 9 THN 10 THN 11 THN 12 THN 13 THN 14 THN 15 THN
10,000 172.50 160.80 151.50 148.10 141.70 136.30 131.70 127.70
20,000 345.00 321.60 303.00 296.20 283.40 272.60 263.40 255.40
30,000 517.50 482.40 454.50 444.30 425.10 408.90 395.10 383.10
40,000 690.00 643.20 606.00 592.40 566.80 545.20 526.80 510.80
50,000 862.00 804.00 757.50 740.50 708.50 681.50 658.50 638.50
60,000 1035.00 964.80 959.00 888.60 850.20 817.80 790.20 766.20
70,000 1207.50 1125.60 1060.50 1036.70 991.90 954.10 921.90 893.90
80,000 1380.00 1286.40 1212.00 1184.80 1133.60 1090.40 1053.60 1021.60
90,000 1552.50 1447.20 1363.50 1332.90 1275.30 1226.70 1185.30 1149.30
100,000 1725.00 1608.00 1515.00 1481.00 1417.00 1363.00 1317.00 1277.00

KADAR FAEDAH SERENDAH DARI 5.05% SETAHUN

Hubungi Penasihat Pinjaman : Mr Hee 016-7498863

(Penasihat sambilan/sepenuh masa dikehendaki)

Added on October 8, 2009, 1:11 am
QUOTE(zzzxtreme @ Aug 11 2009, 10:53 AM)
i called bank islam, they offer 6.something% for private sdn bhd that is non-glc

-they say depends on company's financial background
-monthly salary must be above RM3000
-documents - IC, employment confirmation (Addressed to bank islam), EPF statement or EA form, 3 month pay slip, (salary) bank statement

im gonna apply.cross fingers
*
KOPERASI GEMILANG SISWAZAH BERHAD
(NO PENDAFTARAN W-6-0390)

SKIM PINJAMAN PERIBADI KOPERASI
RM 100,000
TERBUKA UNTUK KAKITANGAN
KERAJAAN & BADAN BERKANUN SAHAJA

• TANPA PENJAMIN
• BLACKLIST, CTOS, CCRIS MASIH LAYAK MEMOHON
• POTONGAN BULANAN MELALUI BIRO ANGKASA
• TEMPOH PENJAMIN SEHINGGA 15 TAHUN
• KERJA 3 BULAN & BERJAWATAN KONTRAK LAYAK MEMOHON
• 100% MUALAMAT ISLAM & DILINDUNGI INSURANS
• PINJAMAN BERTINDAH (OVERLAPPING) JUGA BOLEH DIURUSKAN
• KELULUSAN SEGERA 3-5 HARI BEKERJA

AMOUNT 8THN 9 THN 10 THN 11 THN 12 THN 13 THN 14 THN 15 THN
10,000 172.50 160.80 151.50 148.10 141.70 136.30 131.70 127.70
20,000 345.00 321.60 303.00 296.20 283.40 272.60 263.40 255.40
30,000 517.50 482.40 454.50 444.30 425.10 408.90 395.10 383.10
40,000 690.00 643.20 606.00 592.40 566.80 545.20 526.80 510.80
50,000 862.00 804.00 757.50 740.50 708.50 681.50 658.50 638.50
60,000 1035.00 964.80 959.00 888.60 850.20 817.80 790.20 766.20
70,000 1207.50 1125.60 1060.50 1036.70 991.90 954.10 921.90 893.90
80,000 1380.00 1286.40 1212.00 1184.80 1133.60 1090.40 1053.60 1021.60
90,000 1552.50 1447.20 1363.50 1332.90 1275.30 1226.70 1185.30 1149.30
100,000 1725.00 1608.00 1515.00 1481.00 1417.00 1363.00 1317.00 1277.00

KADAR FAEDAH SERENDAH DARI 5.05% SETAHUN

Hubungi Penasihat Pinjaman : Mr Hee 016-7498863

(Penasihat sambilan/sepenuh masa dikehendaki)

Added on October 8, 2009, 1:13 am
QUOTE(uzer85 @ Aug 11 2009, 11:38 PM)
halo bro, need ur help la.
this is what i want to ask.

1. can i apply personal loan (5k) with 1.2k salary?

2. i have debt (loan from MARA when i study before) worth 7k
(and the bad thing is, i didnt pay for it according to the schedule made by MARA. can i still apply for the loan?)

3. i'm just working, start april 2009 (work in TM). can i still apply the loan?

thx.
*
KOPERASI GEMILANG SISWAZAH BERHAD
(NO PENDAFTARAN W-6-0390)

SKIM PINJAMAN PERIBADI KOPERASI
RM 100,000
TERBUKA UNTUK KAKITANGAN
KERAJAAN & BADAN BERKANUN SAHAJA

• TANPA PENJAMIN
• BLACKLIST, CTOS, CCRIS MASIH LAYAK MEMOHON
• POTONGAN BULANAN MELALUI BIRO ANGKASA
• TEMPOH PENJAMIN SEHINGGA 15 TAHUN
• KERJA 3 BULAN & BERJAWATAN KONTRAK LAYAK MEMOHON
• 100% MUALAMAT ISLAM & DILINDUNGI INSURANS
• PINJAMAN BERTINDAH (OVERLAPPING) JUGA BOLEH DIURUSKAN
• KELULUSAN SEGERA 3-5 HARI BEKERJA

AMOUNT 8THN 9 THN 10 THN 11 THN 12 THN 13 THN 14 THN 15 THN
10,000 172.50 160.80 151.50 148.10 141.70 136.30 131.70 127.70
20,000 345.00 321.60 303.00 296.20 283.40 272.60 263.40 255.40
30,000 517.50 482.40 454.50 444.30 425.10 408.90 395.10 383.10
40,000 690.00 643.20 606.00 592.40 566.80 545.20 526.80 510.80
50,000 862.00 804.00 757.50 740.50 708.50 681.50 658.50 638.50
60,000 1035.00 964.80 959.00 888.60 850.20 817.80 790.20 766.20
70,000 1207.50 1125.60 1060.50 1036.70 991.90 954.10 921.90 893.90
80,000 1380.00 1286.40 1212.00 1184.80 1133.60 1090.40 1053.60 1021.60
90,000 1552.50 1447.20 1363.50 1332.90 1275.30 1226.70 1185.30 1149.30
100,000 1725.00 1608.00 1515.00 1481.00 1417.00 1363.00 1317.00 1277.00

KADAR FAEDAH SERENDAH DARI 5.05% SETAHUN

Hubungi Penasihat Pinjaman : Mr Hee 016-7498863

(Penasihat sambilan/sepenuh masa dikehendaki)


This post has been edited by gidhee88: Oct 8 2009, 01:13 AM
atake
post Oct 8 2009, 10:47 AM

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Refer to this link.Good info.Based on real life experience :

http://eyriqazz.blogspot.com/2009/10/pinjaman-peribadi.html
SUSPinkGenie<3
post Oct 8 2009, 01:07 PM

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From: Penang resides in Kayelll


Let say..

Let say if contractual staff who doesnt have EPF deduction monthly, is he eligible to apply for the personal loan? He got no credit card neither. But he got monthly income of RM2k.
jenny03
post Oct 8 2009, 04:11 PM

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hello , i would to ask , I have cc with creadit limit 3k
could I loan from any bank ?
toshio14
post Oct 8 2009, 06:39 PM

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Joined: Mar 2007
From: Malaysia
QUOTE(gidhee88 @ Oct 8 2009, 12:13 AM)
» Click to show Spoiler - click again to hide... «


what the hell? 1 post so many iklan rclxub.gif

i'm also looking for a personal loan of rm10k+. who knows want to kahwin also need whole lot of money tongue.gif am looking at BSN and Bank Islam now. any other bank that also provide good rate for small amount of personal loan?
peeky
post Oct 8 2009, 08:17 PM

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Joined: Dec 2005
From: PJ selangor
hi guys im getting abit frustrated...all banks i applied for only approve 8k when i really need is 11k
my stats:
age 25
male
2.7k basic +other variable income
2 credit cards, eon(4k) and cimb(5k)

i tried eon, hong leong, ocbc(rejected me)... anyone can help at which bank i can get 11k for 3 years repayment... please PM me
sskillercom
post Oct 8 2009, 09:07 PM

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Joined: Oct 2006
QUOTE(PinkGenie<3 @ Oct 8 2009, 01:07 PM)
Let say..

Let say if contractual staff who doesnt have EPF deduction monthly, is he eligible to apply for the personal loan? He got no credit card neither. But he got monthly income of RM2k.
*
No EPF = no proof of income
winsonloh
post Oct 11 2009, 02:35 AM

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Joined: Oct 2007
From: KL
QUOTE(johnnight2 @ May 31 2009, 10:34 AM)
Better go for local bank. The interest rate is supposed much lower than the international bank.
*
Added on October 11, 2009, 2:38 am
QUOTE(IceQTurbo @ Jun 28 2007, 01:00 PM)
I am trying to get a personal loan, does anyone knows which bank offer the best rates? HSBS offers flat rate ranging from 10-12% depending on the loan, any other banks which offers better rate?
*
Latest update on OCBC 5.50% Fixed Rate:-
OCBC will be the 1st bank to enter companies which monthly repayment will be on salary deduction. currently such deduction which offer by other bank are only for Government staffs & not private sector yet. so far, OCBC oredy sign up with Proton, Bio Tech and Petronas so if you are interested then please talk to your HR so OCBC will send the Manager in charge & the representatives to further discuss on the whole process to fit each other company requirements.please contact me for further clarifications. ;-)

Added on October 11, 2009, 2:38 am
QUOTE(Lcsx @ Jun 28 2007, 01:10 PM)
I don't know but you can check with the other banks that offer OCBC, Al-Rahji, Standard Chartered.
*
Latest update on OCBC 5.50% Fixed Rate:-
OCBC will be the 1st bank to enter companies which monthly repayment will be on salary deduction. currently such deduction which offer by other bank are only for Government staffs & not private sector yet. so far, OCBC oredy sign up with Proton, Bio Tech and Petronas so if you are interested then please talk to your HR so OCBC will send the Manager in charge & the representatives to further discuss on the whole process to fit each other company requirements.please contact me for further clarifications. ;-)

Added on October 11, 2009, 2:39 am
QUOTE(Lcsx @ Jun 28 2007, 01:10 PM)
I don't know but you can check with the other banks that offer OCBC, Al-Rahji, Standard Chartered.
*
Latest update on OCBC 5.50% Fixed Rate:-
OCBC will be the 1st bank to enter companies which monthly repayment will be on salary deduction. currently such deduction which offer by other bank are only for Government staffs & not private sector yet. so far, OCBC oredy sign up with Proton, Bio Tech and Petronas so if you are interested then please talk to your HR so OCBC will send the Manager in charge & the representatives to further discuss on the whole process to fit each other company requirements.please contact me for further clarifications. ;-)

Added on October 11, 2009, 2:42 am
QUOTE(Lcsx @ Jun 28 2007, 01:10 PM)
I don't know but you can check with the other banks that offer OCBC, Al-Rahji, Standard Chartered.
*
Latest update on OCBC 5.50% Fixed Rate:-
OCBC will be the 1st bank to enter companies which monthly repayment will be on salary deduction. currently such deduction which offer by other bank are only for Government staffs & not private sector yet. so far, OCBC oredy sign up with Proton, Bio Tech and Petronas so if you are interested then please talk to your HR so OCBC will send the Manager in charge & the representatives to further discuss on the whole process to fit each other company requirements.please contact me for further clarifications. ;-)

Added on October 11, 2009, 2:44 am
QUOTE(winsonloh @ Oct 11 2009, 02:35 AM)

*
Latest update on OCBC 5.50% Fixed Rate:-
OCBC will be the 1st bank to enter companies which monthly repayment will be on salary deduction. currently such deduction which offer by other bank are only for Government staffs & not private sector yet. so far, OCBC oredy sign up with Proton, Bio Tech and Petronas so if you are interested then please talk to your HR so OCBC will send the Manager in charge & the representatives to further discuss on the whole process to fit each other company requirements.please contact me for further clarifications. ;-)

This post has been edited by winsonloh: Oct 11 2009, 02:44 AM
jeff_v2
post Oct 11 2009, 04:02 AM

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QUOTE(peeky @ Oct 8 2009, 08:17 PM)
hi guys im getting abit frustrated...all banks i applied for only approve 8k when i really need is 11k
my stats:
age 25
male
2.7k basic +other variable income
2 credit cards, eon(4k) and cimb(5k)

i tried eon, hong leong, ocbc(rejected me)... anyone can help at which bank i can get 11k for 3 years repayment... please PM me
*
most bank in M'sia only give 3x or max 3.5x from ur income...
only gov staff have privillage to loan more than that...
if u urgently in need of money try cimb bank la, 5x from ur income but interest rate 2% p/month rclxub.gif
hope that help ya icon_rolleyes.gif
peeky
post Oct 13 2009, 01:49 PM

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From: PJ selangor
but sad.gif my friend has 1.8k a month got 11k from citibank ... any citibank agents here ? hehe try there perhaps tongue.gif
kelvin85
post Oct 14 2009, 03:50 PM

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i am bank staff of ocbc bank, just pm me if u interested on ocbc personal loan, housing loan or investment.

personal loan rate from 5.50 ~ 12.00%

we offer 5X-6X of your income
tenure up to 7 yrs
fast approval.

just pm me if u in KL area for fast cash. TQ
jack2
post Oct 14 2009, 04:04 PM

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QUOTE(winsonloh @ Oct 11 2009, 02:35 AM)
Added on October 11, 2009, 2:38 am

Latest update on OCBC 5.50% Fixed Rate:-
OCBC will be the 1st bank to enter companies which monthly repayment will be on salary deduction. currently such deduction which offer by other bank are only for Government staffs & not private sector yet. so far, OCBC oredy sign up with Proton, Bio Tech and Petronas so if you are interested then please talk to your HR so OCBC will send the Manager in charge & the representatives to further discuss on the whole process to fit each other company requirements.please contact me for further clarifications. ;-)

Added on October 11, 2009, 2:38 am

Latest update on OCBC 5.50% Fixed Rate:-
OCBC will be the 1st bank to enter companies which monthly repayment will be on salary deduction. currently such deduction which offer by other bank are only for Government staffs & not private sector yet. so far, OCBC oredy sign up with Proton, Bio Tech and Petronas so if you are interested then please talk to your HR so OCBC will send the Manager in charge & the representatives to further discuss on the whole process to fit each other company requirements.please contact me for further clarifications. ;-)

Added on October 11, 2009, 2:39 am

Latest update on OCBC 5.50% Fixed Rate:-
OCBC will be the 1st bank to enter companies which monthly repayment will be on salary deduction. currently such deduction which offer by other bank are only for Government staffs & not private sector yet. so far, OCBC oredy sign up with Proton, Bio Tech and Petronas so if you are interested then please talk to your HR so OCBC will send the Manager in charge & the representatives to further discuss on the whole process to fit each other company requirements.please contact me for further clarifications. ;-)

Added on October 11, 2009, 2:42 am

Latest update on OCBC 5.50% Fixed Rate:-
OCBC will be the 1st bank to enter companies which monthly repayment will be on salary deduction. currently such deduction which offer by other bank are only for Government staffs & not private sector yet. so far, OCBC oredy sign up with Proton, Bio Tech and Petronas so if you are interested then please talk to your HR so OCBC will send the Manager in charge & the representatives to further discuss on the whole process to fit each other company requirements.please contact me for further clarifications. ;-)

Added on October 11, 2009, 2:44 am

Latest update on OCBC 5.50% Fixed Rate:-
OCBC will be the 1st bank to enter companies which monthly repayment will be on salary deduction. currently such deduction which offer by other bank are only for Government staffs & not private sector yet. so far, OCBC oredy sign up with Proton, Bio Tech and Petronas so if you are interested then please talk to your HR so OCBC will send the Manager in charge & the representatives to further discuss on the whole process to fit each other company requirements.please contact me for further clarifications. ;-)
*
You do not need to quote the same answer for the questions asked from each of them.
peeky
post Oct 14 2009, 08:17 PM

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QUOTE(kelvin85 @ Oct 14 2009, 03:50 PM)
i am bank staff of ocbc bank, just pm me if u interested on ocbc personal loan, housing loan or investment.

personal loan rate from 5.50 ~ 12.00%

we offer 5X-6X of your income
tenure up to 7 yrs
fast approval.

just pm me if u in KL area for fast cash. TQ
*
ocbc reject me sad.gif
tishaban
post Oct 14 2009, 10:17 PM

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QUOTE(jeff_v2 @ Oct 11 2009, 04:02 AM)
most bank in M'sia only give 3x or max 3.5x from ur income...
only gov staff have privillage to loan more than that...
*
Actually citibank gave me 6x my monthly income but the interest rates were sky high (~10% per year cumulative, almost 20% APR). This is worse than credit card loan, practically ah long level.
3536837
post Oct 14 2009, 10:31 PM

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QUOTE(peeky @ Oct 8 2009, 08:17 PM)
hi guys im getting abit frustrated...all banks i applied for only approve 8k when i really need is 11k
my stats:
age 25
male
2.7k basic +other variable income
2 credit cards, eon(4k) and cimb(5k)

i tried eon, hong leong, ocbc(rejected me)... anyone can help at which bank i can get 11k for 3 years repayment... please PM me
*
normally most of the bank will approved your loan based on ur basic salary multiple by 5x or 3x times or credit card credit limit multiple 3 times.

like example , u hv 2.7k basic x 5 times = RM13,500 <-- is ur maximum loan size
most of the consumer will unmistake i will get RM13,000 , actually ....all of the bank got a system to check your commitment which is call "CTOS / CCRIS"
and all of the bank is using a same calculation to calculate ur maximum loan size after deduction frm your commitment like example (housing loan , car loan , credit card blah blah blah....) and maximum 85% frm your balance and refer back to the installment plan to get your final loan amount. as long as your cash flow enough.
buenotengo
post Oct 17 2009, 10:33 AM

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To anyone
I am a personal loan sales executive in Malaysia KL region. Anyone interested in personal loan can contact me 0163161279 for any info.
No guarantor and fast approval.

Mun Wai
theanswerL2
post Oct 22 2009, 05:02 PM

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From: seremban,kl
QUOTE(@sd @ Oct 2 2009, 11:59 AM)
hi there, yesterday got SMS from Al-Rajhi inform my loan is approved. How long it take to wait to make the " akad" and get money.

thanks
*
need to open a loan acount in al rajhi bank. the loan amount will credit to ur acount nex working day.
suthae
post Oct 23 2009, 02:53 PM

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Hi Guyzz.... I've just graduated with a Degree, working in an office for a salary of RM3.5K for almost a month now, wish to take a personal loan of about RM10K for D/P for bike... Am I eligible??? Can anyone help me??? Thankx!!!

This post has been edited by suthae: Oct 23 2009, 02:54 PM
nightelf81
post Oct 23 2009, 09:45 PM

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just submit personal loan applicatin with bank islam and ocbc... both rejected my application sad.gif
sam0919
post Oct 23 2009, 09:48 PM

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QUOTE(nightelf81 @ Oct 23 2009, 09:45 PM)
just submit personal loan applicatin with bank islam and ocbc... both rejected my application  sad.gif
*
due to what matter? any reasons given?
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