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 Personal Loan, which banks offer the best deal?

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fallin
post Mar 30 2010, 12:41 AM

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QUOTE(ghoss @ Mar 22 2010, 07:54 AM)
Thanks, Must I have a RHB account ??

<<< Urgent >>>>

PL needed asap , anyone can help ??

Just need around 5k.  icon_question.gif
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its ok if u dont have RHB account.
if the loan is approved, then we'll open a new RHB account for u, instantly. if manager is around, money will be disbursed to ur new account. let's say ur loan approved 5k, u'll get full amount (no processing fee)


Added on March 30, 2010, 12:47 am
QUOTE(WhoIsKenneth @ Mar 24 2010, 02:19 PM)
Need 16k loan with 3-5 repayment years. Monthly salary is RM3k but do not have EPF. Any agent here can help me get it?
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do u hv any credit card? used more than 1 yr? if yes, then u can apply at easy RHB. biggrin.gif any inquiry, sms or call me 019-2335144 (Liza)

This post has been edited by fallin: Mar 30 2010, 12:50 AM
fallin
post Mar 30 2010, 12:52 AM

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QUOTE(didi@dyn @ Mar 22 2010, 03:21 AM)
easy RHB
within 15min only.
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yep! very true.. thumbup.gif
fallin
post Mar 30 2010, 12:54 AM

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QUOTE(ghoss @ Mar 30 2010, 12:50 AM)
I just got rejected by RHB .

Anyone know where to check to see whether I'm blacklisted ?

My annual income is 20k , never done any loan with bank before .

icon_question.gif
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sometimes it is difficult to get loan if u had no record at all. bank will be not comfortable to give u loan. which RHB u went? RHB branch or easy RHB?
fallin
post Mar 30 2010, 12:59 AM

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QUOTE(ghoss @ Mar 30 2010, 12:54 AM)
My monthly income is consider 1.7k but mostly all banks require 2k .

Anybank that can consider ??
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rhb require 1.5k income. but amount approved usually 10k and below. anyway, just come at easy rhb. coz u'll know ur approval status instantly. so it's worth trying.
fallin
post Mar 30 2010, 01:02 AM

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QUOTE(ghoss @ Mar 30 2010, 12:56 AM)
I went to RHB bank.

Fallin , do I need to be islam to use Xpress Cash Financing-i
by CIMB Islamic Bank ??
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i'm not sure, i'm from rhb. smile.gif

but.. i dont think so. usually bank won't care as long as u can pay the loan.. any cimb officer to clarify??

This post has been edited by fallin: Mar 30 2010, 01:05 AM
fallin
post Mar 30 2010, 01:07 AM

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QUOTE(ghoss @ Mar 30 2010, 01:03 AM)
I ask whether I can apply again they say have to wait 1 year :S
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actually u can apply after 6 months
fallin
post Mar 30 2010, 01:11 AM

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QUOTE(ghoss @ Mar 30 2010, 01:08 AM)
Thanks ,

No , so far I didn't do any loans with banks , no credit card  (maybank don't want to give me ).

Unless samans or something to do with my motorbike that could cause this .
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i dont think saman will affect ur ccris ctos. erm have u ever been a guarantor for any loan?
fallin
post Mar 30 2010, 01:15 AM

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QUOTE(jep @ Mar 24 2010, 04:24 PM)
I plan to borrow about 50K for housing and extra 20K @ say 5.8%..while waiting for my house to finish at middle of next year...i plan to invest the extra 20K into ASB since asb dividen is roughly higher a bit than the loan interest...is it worth it?
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asb loan u can compare between rhb, cimb and maybank. which 1 suit ur financial plan? do u emphasize on short term (5 years) or long term? we can expect that dividend may be increased.. coz bank negara just risen the BLR
fallin
post Mar 30 2010, 01:28 AM

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QUOTE(ghoss @ Mar 30 2010, 01:18 AM)
Damn....like that means I have to apply credit cards and use it for the future when I need housing loans etc ? rclxub.gif  rclxub.gif
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for personal loan, u need to have credit history.
for example, credit card u can use it to apply for personal loan. but it must be more than 1 year. that's when bank can check ur payment history. no late payment means ur chance to get personal loan is higher.

but let say u already have a home loan, and u want to apply personal loan.. bank will just check ur home loan payment. no need to get credit card
fallin
post Apr 15 2010, 12:35 PM

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QUOTE(xenxenxen @ Apr 8 2010, 11:34 PM)
Hi , i wanna ask anyone tried the RHB Easy-Pinjaman Ekspres ??

How does it work ? the website says :

No documentation required
On-the-spot approval and disbursement in less than 10 minutes
Flexible Personal Financing amounts from RM2,000 to RM50,000
Low monthly installment amount from less than RM60 per month
Flexible loan repayment tenure of up to 5 years (60 months)

Is it true ?
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hi xenxenxen

yup Easy personal loan process only takes less 10 min to know the result. nod.gif nod.gif

actually there are 3 ways to apply. but the fastest and highest amount u can get is by using credit card as ur document (active card and used more than 1year).

Care to call or sms me 019-2335144 (Liza) for more inquiries.


Added on April 15, 2010, 12:40 pm
QUOTE(triangle @ Apr 9 2010, 10:55 PM)
hi guys,

i would like to ask if only need around RM2k-3k cash, is it better to get PL or direct using cc to get it.

fyi: i never hold any cc, most of the time debit card, and also never having a loan.

p/s: the rhb easy pinjaman express looks good..but is it too good to b true??

thnx~~
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EASY Rhb Pinjaman Ekspress is actually the same loan scheme with RHB personal loan. The difference is only instant approval and no documentation required for credit card holders.





This post has been edited by fallin: Apr 15 2010, 12:40 PM
fallin
post Sep 16 2010, 09:26 PM

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QUOTE(giggs_509 @ Sep 13 2010, 09:53 PM)
which bank offer lowest rates for 30k personal loan? Duration 3 years. Govt staff. Tq
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bank islam offer 3.25%. basic salary rm1.5k

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