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 Personal Loan, which banks offer the best deal?

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ghoss
post Mar 21 2010, 02:22 AM

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Anyone know which bank has the fastest approval ??

Would like to make a 5k PL
ghoss
post Mar 22 2010, 07:54 AM

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QUOTE(didi@dyn @ Mar 22 2010, 03:21 AM)
easy RHB
within 15min only.
*
Thanks, Must I have a RHB account ??

<<< Urgent >>>>

PL needed asap , anyone can help ??

Just need around 5k. icon_question.gif
ghoss
post Mar 30 2010, 12:50 AM

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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
ghoss
post Mar 30 2010, 12:54 AM

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My monthly income is consider 1.7k but mostly all banks require 2k .

Anybank that can consider ??
ghoss
post Mar 30 2010, 12:56 AM

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I went to RHB bank.

Fallin , do I need to be islam to use Xpress Cash Financing-i
by CIMB Islamic Bank ??
ghoss
post Mar 30 2010, 01:01 AM

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QUOTE(fallin @ Mar 30 2010, 12:59 AM)
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.
*
Tried but rejected rclxub.gif

Btw , do I need to be islam to use Xpress Cash Financing-i by CIMB Islamic Bank ??
ghoss
post Mar 30 2010, 01:03 AM

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I ask whether I can apply again they say have to wait 1 year :S
ghoss
post Mar 30 2010, 01:08 AM

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QUOTE(roy918 @ Mar 30 2010, 01:03 AM)
There is no such rule to get Islamic financing loan.
Did you ever defaulted any repayment (credit card, hire purchase or any loan)?
*
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 .

ghoss
post Mar 30 2010, 01:13 AM

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Nope also , how to check whether I'm blacklisted or not ?
ghoss
post Mar 30 2010, 01:18 AM

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QUOTE(nujikabane @ Mar 30 2010, 01:16 AM)
In your case, it's most probably because you have not had any records before, thus making them a lil uncomfortable granting you loan.
Usually the bank would see previous repayment, checking the manner in which loan were paid, on time or not, etc.

The logic is this:
If you take up car loan & you defaulted, banks can reposses your car.
If you take up housing loan, banks can sell the house & take back their money.
But since in PL, it is usually without collateral, thus the banks are more cautious if giving out PL.
*
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
ghoss
post Mar 30 2010, 11:05 AM

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I just remember that the only thing I didn't pay last time is the insurance payment by auto debit.

I wanted to cancel the insurance but my friend won't let me , so I don't pay lo sad.gif

This post has been edited by ghoss: Mar 30 2010, 11:05 AM
ghoss
post Apr 1 2010, 11:18 AM

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Most of the bank need monthly salary of 2k but i got 1.7k.

I tried RHB & CIMB , both also rejected me.

Any other choices ??? icon_question.gif icon_question.gif
ghoss
post Apr 1 2010, 12:32 PM

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QUOTE(loanneeded @ Apr 1 2010, 12:26 PM)
HSBC , Citibank, Standard Chartered , Hong Leong , EON  , UOB , Al Rajhi, Bank Rakyat , Bank Islam, Alliance Bank, CIMB , RHB
*
HSBC / Hong Leong / Alliance = Need 2k

CIMB / RHB = Rejected

Left
Standard / UOB / Bank Rakyat / Bank Islam / EON

Can I apply 2 banks at once ??
ghoss
post Apr 2 2010, 02:43 AM

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So have to get a PL with RM 1.7k from private sector.

Most banks need 2k.

Got rejected from RHB / CIMB , going to try Standard Charted tomorrow icon_question.gif


Added on April 2, 2010, 3:13 amMy friend say that I never loan before , that's why bank reject my PL ?

This post has been edited by ghoss: Apr 2 2010, 03:13 AM
ghoss
post Apr 2 2010, 12:57 PM

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QUOTE(affable @ Apr 2 2010, 10:16 AM)
Hi GHoss,
              its true, banks will want to look at your credit reference but if there's none, than sorry to say you can't buddy. If you're a degree holder and working in a listed company then Al-Rajhi will consider. If you're really in need of money why don't just apply for a credit card cause since you've tried cimb with a rate of 24% per annum, then credit card won't be any different cause their interest is only 17.5% per annum (quoting the highest). If you wanna Al-Rajhi out feel free to pm me.... THanks.
            Regards, Hafiz Noor : )
*
Thanks Hafiz ,

But I don't think I can use Al-Rajhi , not in a public listed company.

I applied CIMB credit card , don't know can get or not .

I tried Maybank but they didn't give me .

Any other banks credit card is easier to get ?

Am Bank ?
ghoss
post Apr 4 2010, 02:25 AM

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QUOTE(omels @ Apr 2 2010, 01:08 PM)
u try MBSB PL .......i think can..........
*
If I use MBSB I'm under PDRM ?? rclxub.gif
ghoss
post Apr 10 2010, 06:35 PM

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QUOTE(g-go @ Apr 10 2010, 01:07 AM)
Hi guys, i want to make PL RM30k for 10 years.

work with government. Start Jan 2010. net salary RM2k a month

already rejected by CIMB, Bank islam n RHB-easy.

Didn't use CC and never made any bank loan before.

to any bank agent here. if anyone of u can help me, please PM me ASAP.

thanks
*
I'm in the same boat with you

I'm trying to get a PL of 4k also hard due to I don't have any records with the banks even car loan sad.gif
ghoss
post Apr 12 2010, 06:47 PM

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I try Personal Loan from RHB / CIMB / Standard Charted = All rejected

Probably is because I don't have any records with the banks thus they consider me as high risk.

I manage to get a CIMB credit card tho.

My pay is 1.7k but cannot get a 4k PL also blink.gif
ghoss
post Nov 9 2010, 10:26 AM

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Anywhere I can get a PL of around 2k-5k with annual income of 18k ?

Tried CIMB / RHB but cannot get.
ghoss
post Dec 2 2010, 07:30 AM

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QUOTE(work_tgr @ Dec 1 2010, 06:36 PM)
To benjamin_haykael,

Today I made a call to Maybank to ask about the progress of personal loan application. Unfortunately, it was not approved.

I felt deperate because I urgently need money. 

In my case, do I still have the chance to get personal loan from other bank like RHB ?
*
It's hard to get a PL I tried RHB / CIMB both also rejected.

RHB has a very bad customer service in my experience .

You should try CIMB

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