any bank provides personal loan scheme that is rather flexible? since education loan is no longer available i need a loan scheme that can be applied instead.
i need a loan scheme that :
1. not necessary has monthly income
2. no guarantor
3. repayment after finish study(1 year)

well, i know i mean education loan XD anyways, any similar scheme??? pls help

don't think have since definitely need guarantor or a collateral like a house
bank won't simply borrow ppl money
good luck

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Added on December 5, 2009, 11:37 amlol, forget can get from along...just joking...never do it ok

This post has been edited by kei18kun: Dec 5 2009, 11:37 AM

just checked with bsn staff,they say they offer personal loan 3.6% per annum.

some banks promoting no guarantor no collateral fast cash is a lie?

no such thing. soree

personal loans are high risk & unsecured loans. they wont even approve the loan if the applicant dont have a established/stable employment. moreover now you ask for a loan that doest requires monthly income

frm the above requested loan scheme, i think ar... PTPTN lo.

ahloong oso cannot give you this kinda package la.

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Added on December 5, 2009, 9:36 pmpersonal loans doesnt require collateral la.

some banks require guarantor if financing amount exceeded certain lvl.

using house as collateral = house refinancing lo. or secured lending facility.

personal loan is unsecured facility la

This post has been edited by ahnien: Dec 5 2009, 09:36 PM

they're using credit card record i think

yeah loh, only ptptn can help
student don't have much choice

well, the problem is ptptn only for local study....
singapore has banks provide education loan, taiwan government has overseas study loan, i don't understand why malaysia is so different

lol, vote for different government, only then u'll see changes

simplykah I went through this some months ago and the only reason I can think of is that the banks in Malaysia want to milk their customers out of as much money as possible. Education loans don't make enough money, personal loans make more money so personal loans is the only one you get. I hate personal loans, they're worse than credit cards IMO.

Several years back Citibank and RHB had educational loans but when I asked recently they all have cancelled it and only have personal loans. I was lucky that I had alternatives and the school was very understanding in providing a payment plan but with most schools out there you won't be so lucky. Also don't forget to look at loans where your university is, there may be options there.

hi guys,

i really need a help if anybody around knows how i can get a loan. i know it really difficult rite now to get if got problem. now my salary is 4.8k, but i got blacklist. do u think i still got hope to get a loan?anyone?i mean illegal one.

mind i know what's the alternative payment you meant? like installment payment? your school in malaysia or overseas? pm me pls (cos this thread is about personal loan )

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Added on December 7, 2009, 10:05 amillegal means ahlong i assume? there r lots ads u can find on light poles electricity pole some old buildings lift....think triple

This post has been edited by simplykah: Dec 7 2009, 10:05 AM

I may be able to help if you are working with GLCs, Government Linked COmpanies. My company accepts blacklisted customers with CCRIS or CTOS records, but not Ahloong la.

for those who seeking personal financing.. try Al-Rahji.. fast approval.. and low requirement.. as they were hunting for business currently..

sorry i mean legal.. i dont want such along..etc..pls anyone?

i went to bsn and bank raktay,they say i am not qualified to pinjam coz i have no pay slip,i am a business partner,no fix income...so how bros..please help me...

since u r a business partner,then any income document u got to show ur monthly income? or last year income tax?
i m working with HSBC...hopefully can try asisst u...my number is 012-7624526...

I'm thinking of to apply cash loan for an amount of RM8K. There's a bank offering interest rate of 8.99% p.a. Anyone can advise how it going to be calculated? Is it [ 8000x8.99%=719.20 ]? So I have to pay interest RM719.20 per annum? If I take 2 yrs to settle, it will be [ 719.20x2=1438.40]? So my monthly repayment will be [8000+1438.40/24months=393.30]?

My fren which are factory worker, gross income was 1.5k, he want to loan about 5k for 2-3years repayment, he went to cimb then was rejected without reason giving.

my question is, any other bank beside cimb that required gross income below 1.5k? becoz what i've survey and only found cimb, but then was dissapointed. He want go to PEMINJAM BERLESEN, but i said dont!

yes ur correct already...its ambank rite?

Better don't try those pinjaman berlesen ppl, lest you will get lesen besar to be whacked should you default on your payment, LOL.
What about RHB bank? have you given it a thought? they do have loan of up to 3.5times your salary