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 Personal Loan, which banks offer the best deal?

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madridcajun
post Nov 29 2009, 04:03 AM

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how do i know how much housing loan i can apply?
workingal
post Nov 30 2009, 07:30 PM

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i need to apply loan of RM40k for emergency use. anyone with jalan, pm me...but no ah long ya....
nash9701
post Nov 30 2009, 09:17 PM

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i heard public bank now give good deal for personal loan..anyone knows about this??

(^__^)
mmusang
post Nov 30 2009, 09:28 PM

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QUOTE(mtis @ Nov 29 2009, 02:06 AM)
If  you are bumiputera, go to Mara or bank rakyat.

hehe rclxms.gif  rclxms.gif
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bank rakyat only accept government servants and listed private company
workingal
post Nov 30 2009, 09:53 PM

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QUOTE(nash9701 @ Nov 30 2009, 09:17 PM)
i heard public bank now give good deal for personal loan..anyone knows about this??

(^__^)
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checked with PBB. only for those working under gov. sad.gif
nash9701
post Nov 30 2009, 10:07 PM

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QUOTE(workingal @ Nov 30 2009, 09:53 PM)
checked with PBB. only for those working under gov.  sad.gif
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really? hmm..i think the only option is Bank rakyat la as i'm in private sector..huhu, Agro oso for public sector..

(^__^)

This post has been edited by nash9701: Nov 30 2009, 10:11 PM
workingal
post Nov 30 2009, 10:22 PM

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QUOTE(nash9701 @ Nov 30 2009, 10:07 PM)
really? hmm..i think the only option is Bank rakyat la as i'm in private sector..huhu, Agro oso for public sector..

(^__^)
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yeah...bank rakyat as long as ur HR is willing to help to do auto payment to the bank on a monthly basis for you.
ahnien
post Nov 30 2009, 11:11 PM

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onli LISTED companies LISTED in their list can be processed.

thats what my fren from al-rahji told me.
many companies are reluctant to conduct the salary deduction thingy
kokanchai
post Dec 1 2009, 11:34 AM

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hello guys!

i need a serious help and advise

i need to borrow PL Or do balance transfer to clear out my CC DEBT
CC Debt around Rm6k which are Citi(2.6k),Eon(1.9k),hong Leong(1.2k),Rhb(500)

i dun have any car loans and commitment so far.
my gross salary are Rm2.7k nett
but the issue is i got my new job just less for 3 month working period (currently around 2 month)
but i do have a Credicard for limit :Rm3k since 2006

Any agent can helpme out?

thus are they hv any balance transfer plan with low interest rate?other than Personal loan
(My BT mean at some bank help me clear all out MY CC,and i will repayback by installment by 3-4 years time
with flat or low interest)


if you need further information
please call me up 0122877853
Nick Wong
i am from Puchong/Subang/Sunway
adilee
post Dec 2 2009, 12:58 AM

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Hi..i m adiLee from HSBC..hope can provide u all our service n my contact number would be 012-7624526...
thank you for those who apply personal financing with me,thanks for ur support n really happy to know u guys.
Thanks
roy918
post Dec 2 2009, 07:44 AM

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QUOTE(kokanchai @ Dec 1 2009, 11:34 AM)
hello guys!

i need a serious help and advise

i need to borrow PL Or do balance transfer to clear out my CC DEBT
CC Debt around Rm6k which are Citi(2.6k),Eon(1.9k),hong Leong(1.2k),Rhb(500)

i dun have any car loans and commitment so far.
my gross salary are Rm2.7k nett
but the issue is i got my new job just less for 3 month working period (currently around 2 month)
but i do have a Credicard for limit :Rm3k since 2006

Any agent can helpme out?

thus are they hv any balance transfer plan with low interest rate?other than Personal loan
(My BT mean at some bank help me  clear all out MY CC,and i will repayback by installment by 3-4 years time
with flat or low interest)
if you need further information
please call me up 0122877853
Nick Wong
i am from Puchong/Subang/Sunway
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How much you committed for your debt repayment?
You could try CIMB 6 months 0% balance transfer or MBF Cards 12 months 0% balance transfer.
ahnien
post Dec 2 2009, 09:59 PM

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QUOTE(kokanchai @ Dec 1 2009, 11:34 AM)
hello guys!

i need a serious help and advise

i need to borrow PL Or do balance transfer to clear out my CC DEBT
CC Debt around Rm6k which are Citi(2.6k),Eon(1.9k),hong Leong(1.2k),Rhb(500)

i dun have any car loans and commitment so far.
my gross salary are Rm2.7k nett
but the issue is i got my new job just less for 3 month working period (currently around 2 month)
but i do have a Credicard for limit :Rm3k since 2006

Any agent can helpme out?

thus are they hv any balance transfer plan with low interest rate?other than Personal loan
(My BT mean at some bank help me  clear all out MY CC,and i will repayback by installment by 3-4 years time
with flat or low interest)
if you need further information
please call me up 0122877853
Nick Wong
i am from Puchong/Subang/Sunway
*
i believe since you've jus worked less than 3months in your current company, you wont have much success rate in applying for a loan.

anyway, BT provides better interest rates. go survey around to see which serves you best.
PBB's BT seems quite interesting smile.gif


penanghomes
post Dec 2 2009, 11:44 PM

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hi bros,

can anyone reommend bank with low interest for personal loan?

I want to borrow rm20k,my salary rm1k plus.

Main reason,to buy gold.
adilee
post Dec 3 2009, 12:36 AM

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QUOTE(penanghomes @ Dec 2 2009, 11:44 PM)
hi bros,

can anyone reommend bank with low interest for personal loan?

I want to borrow rm20k,my salary rm1k plus.

Main reason,to buy gold.
*
sorry...i think is impossible to get a RM20k loan if ur salary is RM1k plus,but if u working with gov,then can try... sad.gif
penanghomes
post Dec 3 2009, 02:56 PM

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QUOTE(adilee @ Dec 3 2009, 01:36 AM)
sorry...i think is impossible to get a RM20k loan if ur salary is RM1k plus,but if u working with gov,then can try... sad.gif
*
ok thanks..but i own a property value 400k? the more is free,no more under finance,can i use this?
kei18kun
post Dec 3 2009, 04:45 PM

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QUOTE(penanghomes @ Dec 3 2009, 02:56 PM)
ok thanks..but i own a property value 400k? the more is free,no more under finance,can i use this?
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of cos, just use it as a collateral, but i think the interest is high...not sure though, just ask around
sms69
post Dec 3 2009, 05:54 PM

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hi, can somebody help me, i'm trying to apply for a personal loan, i've been working with a new company for 2 months and my salary is rm 3600gross
ahnien
post Dec 3 2009, 11:57 PM

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QUOTE(sms69 @ Dec 3 2009, 05:54 PM)
hi, can somebody help me, i'm trying to apply for a personal loan, i've been working with a new company for 2 months and my salary is rm 3600gross
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i can help you. click my siggy

UGPM
SUSashcrimson
post Dec 4 2009, 03:42 AM

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my salary basic is 3120. allowance is 300+200. if include OT i can get close to 4K a month.

but then my application got rejected by OCBC bcos i'm a contract worker, albeit with a large MNC.

any bank with higher approval rate than this bank? i'm looking at alliance islamic, rhb islamic and al-rajhi currently.
adilee
post Dec 4 2009, 09:29 AM

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QUOTE(ashcrimson @ Dec 4 2009, 03:42 AM)
my salary basic is 3120. allowance is 300+200. if include OT i can get close to 4K a month.

but then my application got rejected by OCBC bcos i'm a contract worker, albeit with a large MNC.

any bank with higher approval rate than this bank? i'm looking at alliance islamic, rhb islamic and al-rajhi currently.
*
hi..i'm adiLee from HSBC... laugh.gif
some of my customers get approved even they r contract worker, but i cant promise is sure approved...however, may try apply sonce doc required are same,so wont waste ur waiting time..
actually the best thing if apply with HSBC is, if loan approved, u may choose don wan take and there wil be NO penalty on you (will auto cancel ur application if u din use the money within 45 days)... nod.gif
that is one of the reason tat many of my customer they apply cos don wan wasting time waiting one bank n another...
my contact number is 012-7624526...
i normally only online at night...so hope u may sms me so that i can contact u... tongue.gif
hope can provide u my service..
Thank you..

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