Citibank offer 7.6% p.a flat rate, PM me if interested.

Yes ! you r right !

That is loan on phone, a kind of personal loan, but interest could be high.

Citibank personal loan range from 7.6 - 9.18% flat rate per annum. PM me if you are interested.

You may try to get a personal loan to cover your cc debt, can save the interest. Take 2 years repayment and after some period, settle it early.

You may always refer to this thread for question/queries on personal loan.

http://forum.lowyat.net/topic/500507

Wow ! The service charge damn high ! Say if 10k, rm550 decucted...not worth man !

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Added on July 21, 2008, 12:07 amPublic bank personal loan only open to goverment servant, exclude semi gov and state gov servant.


This post has been edited by hanalolu: Jul 21 2008, 12:07 AM

I m from ocbc,previously from scb and citi ploan..u may pm me for ur enquiries..

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Added on May 22, 2011, 2:48 pmbasically when u apply ploan,pls not to apply more than 2 bank concurrently,even ur ccris record show u r very good paymaster and less commitment,most of the bank have it credit evaluation dept,they will judge ur case by ur ccris behaviour,I know it couz I has been work for 3 diff bank ploan.

basically the limit of a person on unsecure loan is at 13,14,15x of ur monthly income. this is the rules by BNM,how it calculate? it count only outstanding of ur cc n ploan.

why bank will approve ur loan without document but only IC?couz they will check ur ccris at BNM,normally they take ur highest cc limit which is more than 1year,then devide by 3 or 4,that's ur monthly income.Some may use ur house loan to determine ur monthly income like scb.



This post has been edited by hanalolu: May 22 2011, 02:48 PM

for most of the bank,u cannot have "3" in ur latest 6 mth ccris,cannot hav "2" in ur latest month,cannot have more than two "3" in ur last 6 mth,cannot have a sequence of "2" in ur ccris..pls c below ccris example

122222221122 reject couz poor behaviour
211111211111 reject couz recent got "2"
111131111111 reject couz got 3 in latest 6mth
000000300030 reject couz got >two "3"

no such personal loan can let u have more than 10yrs tenure..as well for those bank rakyat,bank Islam..

if no news for more than 3 days,try call to customer services n ask.not nessasory it is rejected,might be in further review,or pending document or pending confirmation,or internal checking..

the "1" means 1mth late payment, "2"means 2 month continue late payment..blah blah blah..

u can't apply both at then same time..only 1 will approved.

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Added on May 27, 2011, 11:20 pmno,ocbc sg is ocbc sg, msia is msia..totally diff story..there might have reason ocbc can approve u but not others.

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Added on May 27, 2011, 11:23 pmbad scoring we don't accept la bro...I m ocbc ploan.

This post has been edited by hanalolu: May 27 2011, 11:23 PM

definately no problem to get ploan from any bank,as long as the "2" is not at the recent month.

wrong..approve or not is not depend on high or low interest rate. Approval is based on ur ccris,ctos,commitment,payment behaviour,while interest rate r follow the bank"s policy,whether is follow ur loan size or follow ur income or follow ur financial background.