Hi all... I am working with a foreign bank. Every bank gives out different interest rate to different people. Some bank depend on tenures, some depend on income and some depend on financing amount. My bank depend on income. My bank offers 5.5%,8.5%,9.5%,11% and 12% to different individual depending on their income. For bank like Ah Rahji is offering flat 8.5% to everyone. Hong Leong 12%to everyone. 5.5% is the best rate one can get but only offered to high income earner. You guys everytime heard about 6.9%, 4++%. Those are offered to government servant thru salary deduction. Normal personal loan interest rate best rate is around 8% -11%. ANyone have query can just PM me.