Personal Loan, which banks offer the best deal?
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 Dec 10 2009, 12:41 AM
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#1
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Junior Member
6 posts Joined: Dec 2009 From: Iacon, Cybertron 
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QUOTE(advocado @ Dec 9 2009, 02:00 PM) There's bank going as low as 3-5% p.a. This is even cheaper than car loan & housing loans. Pretty crazy but I guess only for the elites. Personal loan interest rate of 3 - 5% is a flat rate. The actual rate is way more than that! Should be around 8 - 9%. You should use a spreadsheet and do the math. Don't be tempted by this type of low interest rate. |
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Dec 10 2009, 12:42 AM
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#2
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Junior Member
6 posts Joined: Dec 2009 From: Iacon, Cybertron
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QUOTE(ahnien @ Dec 10 2009, 12:12 AM) bank rakyat Totally agree! Then you will find you have insufficient cash flows at times.Added on December 10, 2009, 12:15 am salary deduction bro. quite hassle, need submit latest confirmation letter, guarantor, submit letter to HR for salary deduction, etc seriously, the rate is quite nice. i have a few colleagues took out 80k loan for car. hahaha.... why salary deduction no good?? IF you are buying a house in the near future, then you will know how it will affect your housing loan  |
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