I need cash abt RM10K and no income currently. I have good record on my housing loan pass 2 years. can i get personal loan from bank or not? and what is the interest rate?
Personal Loan, which banks offer the best deal?
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 Apr 10 2011, 10:27 PM
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Apr 14 2011, 10:23 PM
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#2
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QUOTE(zerro.yap @ Apr 13 2011, 01:45 AM) Hi, If i dont have any income now and i need 10k whether any bank can offer me. what is the interest? If i say i will clear in 2 years, but i clear it in one year, will it penalty?Do you interested with the offer below? Financing Rate: 6.5%-12% Financing Amount: 6k-150k Financing Tenure: 2-7years No Collateral. No Guarantor. No Processing Fee. Perhaps you can drop me a sms or email me so that i can explain further to you. Cheers. Rgds, Zerro Yap 017-4515158 zerroyap@ocbc.com Added on April 13, 2011, 1:53 am For your information, most of the P.Loan do not need a guarantor nowadays provided you have black and white income every month. Are you doing your own business or you are employed? You can PM me anytime if u wish to more detail information of P.Loan offer. Thanks. Rgds, Zerro Yap 017-4515158 zerroyap@ocbc.com  |
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Apr 15 2011, 12:11 AM
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QUOTE(benjamin_haykael @ Apr 15 2011, 12:03 AM) no income how banks can offer loan ? even ah long also wont give what abt if i got CIMB structure deposit worth 70K? |
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Apr 16 2011, 02:02 AM
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#4
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QUOTE(airline @ Apr 15 2011, 07:11 AM) no income, use credit card to apply personal loan lo. credit card need to show income as well. and somemore use credit card to get a loan need to pay within one month, otherwise i have to pay very expensive interest.can pay enough. Added on April 16, 2011, 2:03 am QUOTE(Sifha238 @ Apr 16 2011, 01:29 AM) 3.98% flat rate for 20 years. what is the require to get this loan?CIMB extend the promotion till 31 JUNE 2011 Can PM me if intrested This post has been edited by 500Kmission: Apr 16 2011, 02:03 AM |
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Apr 16 2011, 09:13 PM
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QUOTE(Sifha238 @ Apr 16 2011, 08:27 PM) kerja kerajaan / glc glc meaning? sorry i am quite noob on personal loan. |
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Apr 18 2011, 12:09 AM
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#6
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QUOTE(zerro.yap @ Apr 17 2011, 05:50 PM) Hi, Actually i dont have credit card, but i got house loan which is very good record. If i apply a new credit card, can i do that as well?Sorry for late reply. Do you have any credit card? Use credit does not mean u have to pay same rate as credit card which is 17.5% per annum. We just need to check your credit card information from Bank Negara Malaysia. Then, we will give you the cash which you can do whatever you want without locking your credit card limit. Here, you have to stay with us half of the tenure year. Eg, If you choose for 5 years, you have to stay with us 2.5 years. If you choose for 2 years, you have to stay with us 1 years. After half of the tenure years, you can make early settlement and we will rebate you a portion of the remaining interest. However, it's still worth if you could make early settlement ANYTIME. It is because the rebate is definitely more than small amount of penalty charge. Did I answer your question? Thanks. Rgds, Zerro Yap 017-4515158 zerroyap@ocbc.com |
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Apr 19 2011, 01:21 AM
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#7
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QUOTE(zerro.yap @ Apr 18 2011, 07:02 PM) Sure you do. Once you have credit card already, getting a personal loan would be very easy. but the problem is credit card need my income disclose which i dont have it. now i study ACCA full time.It's because credit card and personal loan are categorized in unsecured lending whereby banks do not take any collateral from you. Thanks. Rgds, Zerro Yap 017-4515158 zerroyap@ocbc.com This post has been edited by 500Kmission: Apr 19 2011, 01:22 AM |
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