Personal Loan, which banks offer the best deal?
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 Feb 20 2009, 03:49 PM
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#1
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All Stars
14,899 posts Joined: Apr 2005 From: Kuala Lumpur & Selangor  
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If anyone of you is interested to apply for personal loan, I have contacts inside Hong Leong Bank which I believe will be able to assist you. Currently the bank is offering 1% monthly interest rate.
For more information, please visit HLB's personal loan website page: http://www.hlb.com.my/pfs/loanpl_f.htm Do PM me if and leave me your number if you are interested. I will get back to you as soon as possible.  |
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Feb 23 2009, 01:41 PM
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#2
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All Stars
14,899 posts Joined: Apr 2005 From: Kuala Lumpur & Selangor
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QUOTE(Phoeni_142 @ Feb 23 2009, 12:59 PM) Peeps, The interest rate for Hong Leong Bank personal loan stood at 1% flat rate monthly so the annual interest rate is at 12% per annum. Can you provide me the calculations on how you are getting 20.3% instead?be careful when applying for HLB loans, ok? 1% per month is the flat rate - this implies 12% flat rate per year....it's charged like Hire Purchase style. 12% flat rate = effective rate of 20.3%!!!!!!!!!!!!!!!! MORE THAN CREDIT CARD INTEREST!!!!! Do not be mis-sold by any personal loan agents all right? cheers.  |
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Mar 1 2009, 07:56 PM
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#3
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All Stars
14,899 posts Joined: Apr 2005 From: Kuala Lumpur & Selangor
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QUOTE(ibnjam @ Mar 1 2009, 05:21 PM) Went to Al Rajhi yesterday to apply for the loan. I wanted to use my Alrajhi Charge Card for the limit, but funny they don't accept it. Gave another banks credit card which had a lower credit limit. 3 hours gone and no reply from them. Only this morning got SMS from them saying application pending due to unmet requirements. hmmmm, so much for the 3 hour approval. Hmm, so how is the progress now?  |
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Mar 2 2009, 10:05 AM
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#4
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All Stars
14,899 posts Joined: Apr 2005 From: Kuala Lumpur & Selangor
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QUOTE(ibnjam @ Mar 1 2009, 09:23 PM) they say to contact the bank on Monday. Hmm now I'm not sure I want to take the loan or not anymore cos I wanted to use the money today   So you applied for the maximum amount for your personal loan based on your credit card limit? |
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Mar 2 2009, 02:44 PM
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#5
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All Stars
14,899 posts Joined: Apr 2005 From: Kuala Lumpur & Selangor
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QUOTE(ibnjam @ Mar 2 2009, 12:17 PM) Ya, applied for the maximum limit. They have RM250 delivery charge, RM10 stamp duty and also some amount for insurance depending on the loan amount. Approved? Nice  |
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Mar 2 2009, 03:45 PM
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#6
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All Stars
14,899 posts Joined: Apr 2005 From: Kuala Lumpur & Selangor
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QUOTE(ibnjam @ Mar 2 2009, 03:32 PM) hahaha not yet so now how many hours already? tried a few times to call the bank but cannot get tru they informed me on saturday of the processing cost incurred (RM250+RM10+insurance). |
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Mar 5 2009, 12:32 AM
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#7
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All Stars
14,899 posts Joined: Apr 2005 From: Kuala Lumpur & Selangor
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QUOTE(Vieri777 @ Mar 4 2009, 09:46 AM) try stanchart... Hong Leong bank takes up to 48 hours for the approval process. It can be shorter and longer, depending on the amount of loan and document submitted. i think got only 3 banks do 24hrs approval RHB Stanchart HongLeong .....n maybe citibank also.... i'm also scouting around for one right now...will share info when i get updates.. |
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Mar 25 2009, 03:52 PM
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#8
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All Stars
14,899 posts Joined: Apr 2005 From: Kuala Lumpur & Selangor
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QUOTE(Vieri777 @ Mar 25 2009, 03:13 PM) after weeks n weeks of looking, i've decided to go with Stanchart. Good luck with your application. Do update us on your progress if possible. and Public for balance transfer hope all is okay. wish me luck. |
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Jul 31 2009, 09:59 PM
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#9
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All Stars
14,899 posts Joined: Apr 2005 From: Kuala Lumpur & Selangor
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QUOTE(NSR @ Jul 31 2009, 09:44 PM) now hsbc is so agreesive in giving out loan and credit cards. i apply credit with them last 10 days and now i get the credit card oledi. very fast and efficient. quite high the credit limit oso... Not sure about that but as long as you have a credit card, then there is a high chance for your personal loan to get approved.  by the way, can i use credit card to apply hsbc personal loan?  wats the interest? |
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Aug 10 2009, 10:03 PM
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#10
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All Stars
14,899 posts Joined: Apr 2005 From: Kuala Lumpur & Selangor
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QUOTE(bob @ Aug 10 2009, 11:28 AM) i think bank islam, bsn & agro bank give better rate ...... around 5.5% per annum. but now sure if application from private sector workers will get the same rate These banks only bumi can apply right? |
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