Personal Loan, which banks offer the best deal?
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 Jul 29 2009, 09:01 AM
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#1
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Junior Member
59 posts Joined: Nov 2008 
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i'm working in HSBC Amanah, the personal financing rate is depend which company u r working with oso..certain company HSBC provide extra 0.5-1%... any question o wish to apply,can contact me at 012-7624526 (adi Lee)..Thanks
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Aug 6 2009, 11:03 AM
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#2
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Junior Member
59 posts Joined: Nov 2008
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QUOTE(Futurama @ Aug 4 2009, 01:59 PM) Probably need a personal loan of 40k to build up a business startup adding into the 500k I got as an investment. Currently earning 9k per month. Any personal loan guys/girls? i'm adi Lee from HSBC Amanah..012-7624526...Hope i can have a chance to provide u our service..   Added on August 6, 2009, 11:05 am QUOTE(musha01 @ Aug 3 2009, 03:55 AM) No credit card , no anything bank loan also ....like me is it easy to apply loan??? is a bit hard,but for my customers,somes can get...cos sometime the processing dept wil request for other doc to support..i'm adiLee from HSBC Amanah..012-7624526.. This post has been edited by adilee: Aug 6 2009, 11:05 AM |
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Aug 21 2009, 08:55 PM
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#3
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Junior Member
59 posts Joined: Nov 2008
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Hi, i'm adiLee from HSBC Amanah..If anybody would like to apply for personal financing or credit card, may contact me,my number is 012-7624526...Hope can provide u our services..
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Aug 31 2009, 06:07 PM
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#4
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Junior Member
59 posts Joined: Nov 2008
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QUOTE(Jeve @ Aug 31 2009, 04:29 PM) I need quick 50k which I will be able to fully settle in next 2 month, based on my scenario, anyone knows which bank offers the best rate? i believe most of the bank will not offer as they got their minimum tenure for personal loan...for HSBC, we request for 3 months notice (no panalty) o if really want to settle immediately, panalty: 3 months interest...by the way, i am working with HSBC, as a financial guide...012-7624526 thanks.  |
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Sep 1 2009, 02:09 AM
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#5
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Junior Member
59 posts Joined: Nov 2008
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QUOTE(imax80 @ Aug 31 2009, 09:22 PM) what is HSBC rate for PL per annum? depends on the financing amount and which company u working with...minimum 9%...but the different is u get all the amount u finance, no any processing fee or handling fee...Added on September 1, 2009, 2:10 am QUOTE(musha01 @ Sep 1 2009, 01:36 AM) i think it is company money lender, but i am afraid it is like Ah Long association...anyone knows well this company? i believe is a money lender like ah long...This post has been edited by adilee: Sep 1 2009, 02:10 AM |
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Sep 28 2009, 12:48 AM
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#6
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Junior Member
59 posts Joined: Nov 2008
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HSBC Amanah balance transfer promo....5.99% p.a....
i'm a Financial Guide of HSBC Amanah,adiLee (012-7624526)... For those who got their personal financing approved before Hari Raya, i wish u all Selamat Hari Raya n Happy Deepavali... Thanks... Added on September 28, 2009, 12:52 am QUOTE(mmusang @ Sep 26 2009, 01:56 PM) vince, how on earth u can get 100K, can u explain a bit? thx. i just got few private sector customer get approve for their personal financing with 60k-100k...basically, is depends on what type of document u provide...may using credit card to apply as well...adiLee (012-7624526) from HSBC Amanah...Added on September 26, 2009, 1:58 pmsome of rates here is for goverment servants only, care to inform rates for private sector This post has been edited by adilee: Sep 28 2009, 12:52 AM |
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Sep 29 2009, 12:09 PM
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#7
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Junior Member
59 posts Joined: Nov 2008
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QUOTE(vandetta @ Sep 29 2009, 09:22 AM) Your HSBC Amanah balance transfer promo, is it balance transfer for credit cards? Transfer the CC blance to cash money, is it like that? nope, balance transfer is transfer to credit card...however, can use ur current credit card to apply personal loan as well... |
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Nov 4 2009, 02:01 AM
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#8
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Junior Member
59 posts Joined: Nov 2008
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Hi, i'm adiLee from HSBC Amanah..If anybody would like to apply for personal financing or balance transfer, may contact me,my number is 012-7624526...Hope can provide u our services..
Added on November 4, 2009, 2:03 am QUOTE(changjie83 @ Nov 1 2009, 06:26 PM) i saw one promotion HSBC Amanah, what is "Termasuk Sumbangan Takaful" and "Tanpa Sumbangan takaful"? i know one are cheaper repayment if compare both. Hi,i'm adiLee working with HSBC...the different is actually depends on the financing amount...for like financing amount bout 10k,the instalment different is bout RM4-6/month...of cos without takaful is bit cheaper,but having takaful,u may get 0.5% discount on the interest rate.. This post has been edited by adilee: Nov 4 2009, 02:03 AM |
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Nov 7 2009, 12:24 AM
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#9
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Junior Member
59 posts Joined: Nov 2008
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QUOTE(Denzy @ Nov 6 2009, 05:34 PM) I've a question here aswell. so where u now? oversea o malaysia? is a bit hard for ur income to get a RM15k loan,but mayb can try few bank...i m working in HSBC...hope can have a chance to discuss with u...for u guy information...there wil be no penalty if the loan is approved and u guy don take the loan...so y not, just try n see lo...my contact would be 012-7624526 (adiLee)...can just sms me o call me...thanksI'm currently studying overseas but still getting paid RM3k a month and RM2,700 after EPF/Socso deduction. Would like to apply for a personal loan amount of atleast RM15k for either 1 or 2 year depending on interest/loanable amount. Repayments will be done by auto deduct from bank as I get paid every month. Would anyone working for bank please contact me so we can discuss? Also would like to know the capable amount I can borrow? Thank you. =] This post has been edited by adilee: Nov 7 2009, 12:24 AM |
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Nov 7 2009, 04:21 PM
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#10
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Junior Member
59 posts Joined: Nov 2008
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QUOTE(astrosurge @ Nov 7 2009, 02:35 AM) hi guys, Hi, i m adiLee from HSBC...from my experience, ads says 48hrs approval is if they can done all the neccessory verification n the agent o staff submit the application on time. I not sure how HLB offer,but for HSBC,we do offer personal loan for offshore staff or engineer...few of my customers are working in that field oso..i got a small predicament here that need some opinion. my family have been customers of Hong Leong Bank for 17 years. recently my mom applied a personal loan to do some renovation work of our new house but was turned down after a week (the ads say approval within 48 hrs!). they turned down our application just because my dad was an offshore worker. the eligibility in HLB's website did not mention anything about what sort of profession you do that will ensure your approval. we are quite disappointed given the fact that we were regular customers of 17 years, and we fulfill ALL the criterias outlined before applying. did anyone experienced similar incident? any response appreciated. cheers |
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Dec 2 2009, 12:58 AM
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#11
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Junior Member
59 posts Joined: Nov 2008
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Hi..i m adiLee from HSBC..hope can provide u all our service n my contact number would be 012-7624526...
thank you for those who apply personal financing with me,thanks for ur support n really happy to know u guys. Thanks |
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Dec 3 2009, 12:36 AM
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#12
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Junior Member
59 posts Joined: Nov 2008
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QUOTE(penanghomes @ Dec 2 2009, 11:44 PM) hi bros, sorry...i think is impossible to get a RM20k loan if ur salary is RM1k plus,but if u working with gov,then can try... can anyone reommend bank with low interest for personal loan? I want to borrow rm20k,my salary rm1k plus. Main reason,to buy gold.  |
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Dec 4 2009, 09:29 AM
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#13
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Junior Member
59 posts Joined: Nov 2008
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QUOTE(ashcrimson @ Dec 4 2009, 03:42 AM) my salary basic is 3120. allowance is 300+200. if include OT i can get close to 4K a month. hi..i'm adiLee from HSBC... but then my application got rejected by OCBC bcos i'm a contract worker, albeit with a large MNC. any bank with higher approval rate than this bank? i'm looking at alliance islamic, rhb islamic and al-rajhi currently.  some of my customers get approved even they r contract worker, but i cant promise is sure approved...however, may try apply sonce doc required are same,so wont waste ur waiting time.. actually the best thing if apply with HSBC is, if loan approved, u may choose don wan take and there wil be NO penalty on you (will auto cancel ur application if u din use the money within 45 days)...  that is one of the reason tat many of my customer they apply cos don wan wasting time waiting one bank n another... my contact number is 012-7624526... i normally only online at night...so hope u may sms me so that i can contact u...  hope can provide u my service.. Thank you.. |
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Dec 7 2009, 10:12 PM
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#14
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Junior Member
59 posts Joined: Nov 2008
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QUOTE(penanghomes @ Dec 7 2009, 05:48 PM) 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... |
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Dec 16 2009, 07:29 AM
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#15
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Junior Member
59 posts Joined: Nov 2008
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QUOTE(Lynnlee @ Dec 15 2009, 01:41 PM) Still working in HL? just enquiries, I work in one of the private company in KL, with salary RM2500 per month. can I get a PL up to 30K. tks for private sector, is very hard for you to get RM20-30k loan if your salary is RM2500,cos normally is up to x6 of your salary...Added on December 15, 2009, 2:22 pmWhich bank can offer loan up to 20K to 30K? as my salary only RM2500 per month? Anyone can help? my suggestion would be mayb u may try apply with few banks, and see which bank approve for the better offer. As for HSBC, customer have 45 days to decide whether want to accept the loan o not (if approved). There wil be NO penalty if you decide don take it, and your CCRIS record wil be no "paid after due date" record as it is automatic debit from the financing amount for the 1st installment and auto cancellation after 45days... few of my customers from this forum applied and din take the loan... |
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Dec 16 2009, 07:45 AM
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#16
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Junior Member
59 posts Joined: Nov 2008
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QUOTE(temptation1314 @ Dec 16 2009, 07:32 AM) I thought we have no obligation to accept the loan even it's approved or not mah right? let me give you an example,Or maybe you're saying HSBC provide customer 45 days instead of the standard 7 days, IINM lets say loan is approved on 1/12 and the money will credited to your account on the same day...therefore, your 1st installment would be on 1/1 (standard la...><)... if you withdraw the money before 1/1,you get full amount (as NO any charges)... if you withdraw the money after 1/1,you get full amount minus 1st installment... if lets say you don wan the loan (mayb u got better offer or got other solution), system wil auto "pay" the 1st installment by debeting the money in the account...and if after 45days, you still never touch the money (don take ATM card also), the system wil auto cancel the loan and close the account... therefore, due to your 1st installment is auto paid by the system, so your CCRIS record will be nice payment record, and after auto cancellation, bank will uplift the loan from CCRIS. |
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Dec 17 2009, 09:10 AM
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#17
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Junior Member
59 posts Joined: Nov 2008
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QUOTE(temptation1314 @ Dec 17 2009, 08:21 AM) Are you implying that if we applied a loan and never accept it once approved, we will have a bad CCRIS record? for HSBC, the money is directly credited to ur account (must be HSBC account) once approved...if don believe, u may go any HSBC ask...thanks.. And this is the first time I hear that the loan will go directly into your account immediately once the loan is approved. |
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Jan 23 2010, 03:00 AM
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#18
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Junior Member
59 posts Joined: Nov 2008
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HSBC Amanah is having "Happy Deal" promotion.... -1% of interest rate....may sms me o call me for details...
thank you for those who support me b4...thank u.. |
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Feb 6 2010, 12:24 AM
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#19
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Junior Member
59 posts Joined: Nov 2008
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QUOTE(Conroe @ Feb 5 2010, 01:33 PM) Asking for a friend, is better apply with few banks n see which approve with the amount he wan n with lower rate...i m from hsbc...anything, can kindly sms o call me..tqHe need arround RM25k-RM30k PL. He's working in maxis with sallary of RM1.8k + commission RM2.3k Got car loan with him which he never miss to pay by due date. Izit possible?  |
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Mar 2 2010, 01:29 AM
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#20
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Junior Member
59 posts Joined: Nov 2008
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HSBC Amanah "Happy Deal" promotion only til end of this month.... -1% of interest rate....may sms me o call me for details...
thank you for those who support me b4...thank u.. |
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