need advice on ploan, my ccris is as following;
housing loan 00000000000
housing loan 00000000000
car loan 011122211100
can i get any ploan from bank?
Personal Loan, which banks offer the best deal?
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 Jun 7 2011, 04:00 PM
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#1
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Jun 29 2011, 04:19 PM
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#2
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i need a personal loan of rm80k for business purpose.
monthly drawn salary rm18k (bank in into bank account but no epf as i'm the proprietor) bank statement average rm150k a month. business 2 years. ccris as follow cc 00000000000 hp 00000000122 hp 00010011010 personal loan banker pls pm me thanks |
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Jul 7 2011, 11:41 AM
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#3
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QUOTE(kenshin1 @ Jul 7 2011, 01:34 AM) to all people... im kenshin lai from alliance bank... applying ploan, i can say it's hard... bcos of alot of reason, banks hv to protect themself...try not to risk... so they hv their own rules... 1st..no over duedate >1mth.... 2nd..do not have high commitment, not more than 70%/80%/90% of ur gross salary.... to most of the bank, they want customer to have 1 credit card/ploan record for 1year to have clean payment..1mth still acceptable..but not 2... few of the bank can accept car/house loan but >1yr too...like my alliance bank^^.. LOAN AMOUNT IS X5 OF UR GROSS INCOME,STANDARD..U CANT EXPECT 2.5K INCOME GETTING 50K... REGULAR RATE FOR PERSONAL LOAN IS 11-13%...THIS IS FOR PRIVET SECTOR,DONT COMPARE WITH GOV LOAN(BANK RAKYAT,BSN,BANK ISLAM N SO ON)...IT'S SURE LOWER,COS DIRECT DEDUCT B4 UR INCOME GET IN HAND... HLB is 9.6% cash back from 12%...IF 5 YEARS LOAN, U LATE FOR 1 TIME IN THE EARLY/MIDDLE/LATE....NO MORE CASH BACK..12%!!!! OCBC 7.X% IS FOR INCOME >15,000...SO IF U R 2.5K INCOME,GET REGULAR RATE 12%...IT'S ON THE OFFICIAL WEBSITE... CIMB N MAYBANK IS HARD APPROVING PLOAN BANKS..SO I NEVER ADVICE MY CUST TO GO,WASTING TIME... I CAN SAY LOWEST IS ALLIANCE BANK RECENTLY 8.88%,>100K IS 8.3%..100% PAYOUT EVEN NO STAMP DUTY... AL-RAHJI IS 8.5% FOR REGULAR CUST,7.99 IS FAKE..IT'S 7.5,8.0,8.5%..7.5 N 8.0 IS FOR PANEL..NEED CHOP AND SIGN..N ALOT PROCESSING FEES...CANT USE IBG TO TRANSFER MONEY ALSO...8.5% monthly is more expensive than 8.88% of alliance bank.. DO NOT BELIEVE AGENCY!!!! EVERYTHING IS UNDER BANK NEGARA CONTROL...NOT LIKE OLD TIMES...THEY JUST KNOW REGULAR BANKER THAT CAN SUBMIT UR CASE, NOT INSIDER, EVEN THEY KNOW,INSIDER CANT DO ANYTHING...APPLICANT HAS TO PASSED THRU ALOT OF PROCESS AND LEVELS... FOR SMALL BUSINESS MAN, U REALLY NEED A CREDIT CARD,IF NOT, IT'S HARD TO GET A LOAN FOR U,EVEN CANT APPLY FOR BUSINESS LOAN... USING UR BANK STATEMENT, MONTHLY TURNOVER SHLD B MORE THAN 50K ABOVE..IF NOT..HABIS... ANYTHING,JUST PM ME...THX  Added on July 7, 2011, 11:45 amsorry for the mistake above. thanks for the info above. This post has been edited by biss_man: Jul 7 2011, 11:45 AM |
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Jul 25 2011, 02:34 PM
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#4
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QUOTE(nokiaXP @ Jul 25 2011, 12:33 PM) apply for scb personal loan ord 2 weeks but dun have any news..zz Added on July 25, 2011, 2:34 pmbasically scb is lousy, i had this kind of experience with them too. DONT APPLY SCB PERSONAL LOAN, service sucks. This post has been edited by biss_man: Jul 25 2011, 02:34 PM |
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Jul 27 2011, 12:09 PM
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#5
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QUOTE(nokiaXP @ Jul 25 2011, 05:59 PM) then your loan approved or not?how long u wait Added on July 27, 2011, 12:12 pmAfter a month, the answer from the customer service is 'your application is still under consideration'. Thus i just cancel the application. Will never have any deal with SCB anymore. SCB sucks~!~!~!~!~! This post has been edited by biss_man: Jul 27 2011, 12:12 PM |
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Jul 27 2011, 05:52 PM
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#6
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QUOTE(nokiaXP @ Jul 27 2011, 05:41 PM) l call the sales department but they say 1 week can know the status.but i ord wait 3 weeks Added on July 27, 2011, 5:59 pm i suggest you to apply other bank, as no use to wait for this inefficient and slow to respond bank. *for those who are thinking of applying personal loan with SCB, please think twice. This post has been edited by biss_man: Jul 27 2011, 05:59 PM |
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