Hi, have question here, went to a bank to ask for pl and i saw the requirement is salary 2k and above. the problem is my salary was below it in my new job but i have cc with the limit 9.5k. the staff say i can i used cc and ic to apply it up to 23k. since they are not checking my payslip will it be a problem in the future if they ever check my payslip after the loan aprrove?

i ask the sales person they say just need to do declaration letter of income only if used credit card to apply, no need payslip. can any1verify do they call up my employer to verify my job since i don't give my payslip. how the heck they know where i work also.

what is the best rate for pl now? want to used cc to apply can i apply more than my cc limit? also i still owe cc 17% of the limit.

anyone here working in ocbc kelantan?

any one know which bank is easiest and cheapest to cancel for pl with minimum cost. i intend to borrow 12k for 3-5years to make less monthly payment but plan to pay lumsum after 1yr to settle.

anyone know which pl is easiest to terminate? i mean i want to take 5 years probably will fully paid in 2-3 years?

anyone here taken hsbc amanah pl before? wanna ask regarding early settlement.

erm guys, want to ask, if borrow from rhb for 20k/60month after 3-6month want to settle, how much need to pay? cant find t&c as i dint borrow.

Dear guys, now i have pl with rhb easy. want to know to calculate the settlement for it.
borrowed rm18 000/first payment is on dec2010/last is may2011 so already 6 month no penalty rite? and each month deduct rm486+15 (insurances) 5yrs plan.
balance outstanding now is rm17097.40 in bank statement
since interest is 11.63% flat its about rm2093.4 yearly
since i paid rm2916 already and 6month interest is rm1050??
2916-1050 =rm1866
when i do full settlement is i am paying 18000-1866=Rm16134 or pay the bank outstanding rm17097???
Any one can teach me, thanks alot.

any one can help opn this? really want to settle the loan

any one can advise what is the best pl loan now? RHB is charging 21% , Alliance is 16.5% n HSBC is 18.4%. all thos are effective interest rates.

that is so true... 21%