Brother Hudd..im planning of gettg PL frm cimb too.does their 3.98 rate applies to govt servant only?i serve with d govt.so the non-govt cant get this rate ah? now the cimb branch here is lacking out the blue form for angkasa n employer due to high demand.now waiting they restock it after cny..if only they manage to

Yea i think theres a logic on what they says.i was told that this rate only last till 31 march.so better fast.its stated at d green repayment schedule.u didnt get the sched?as 4 me, i hav to wait 4 d blue form.but most importantly do check the t&c before sign and make sure at the final process it is stated there as 3.98%
Bro Hudd do give me the contact person.thanx!

yea im sure.asked them twice and summore im govt servant.make it 10years or 20years the rate fixed at 3.98%.i dun know with d koperasi thing but pretty sure.oredi got d repayment schedule.mybe this applies to govt and islamic financing coz its written as Pembiayaan Peribadi Sektor Awam-i. The 'i' refers to islamic.so govt+islamic

ya..u should.and better fast is all i can say.do update if u got all d complete forms ok. Hmm..maybe i can make a copy of ur blue form its d one 4 angkasa n majikan.dun know when it will available here.asked d officer and he also cant give a confirm date

yes..also 5.2%.i checked it after u rise abt that.4 now i havent fill that form coz dont have the cmplete forms yet.its clearly stated there rite? So how bout you,u oredi submit ur form?have u asked them bout that?sometimes we have to be firm coz its the deal sheet.whatever happens they can always refer to the sheet we signed.unless action taken to change that we will never feel ease

yea..ur totally rite bro.have to take precaution too

ok will do

guys...need ur advice. I just worked for 6 months now.govt servant, earn grossly 3.2k now.no cmmitment yet. No car,no housg loan, oni PTPTN loan.therefore this is my situation.planning to make PL to buy land properties around 50k, surveyed for a second hand CRV for 35k and my PTPTN loan is 20k. Im planning to get PL around 85-90k from cimb since their good rate 4 govt.planning to make repayment in 10-15years. Question is..
Can i use my pl to pay 4 ptptn?
Is it ok to make a large amount of PL in my young age? If i want to make another pl in future, am i still eligible? Do need ur guys advice..

ya..that makes sense Hardie.u mean that Ujrah ah?ya still waiting 4 d penyelarasan to make it 1% but till now no news.heard if we settle all the loan can get rebate which is our money too from the prvious 3% admin fee. Just thinking that it wud be ease just to think on 1 loan payment only which consists land, 2nd hand car n ptptn..

so how much rate is bank rakyat actually?

btw, before u could ask the officer how much amount you could get for PL is the officer will ask you first your COMMITMENT. do you have car loan, or housing loan or any loan before, that requires ur salary deducted for those. if any, they will make a counting to avoid such term as 'ketidakupayaan'. unable to pay coz hav too many debts.lets say you got car loan that have to pay rm500, then ur limit for PL is just rm80000 instead of rm100,000.as for me, i serve with the govt, salary around 3.2k and got no commitment yet even a car. the cimb bank said that im aligible to get up to rm150,000. but again, just borrow amount that u need.

sonerin..do you have any point of views? yea u know maybe im overlooked at this thing.want to hear ur opinion too..

just to update to all pal here who applying for cimb loan for govt serv. im still working on my application. sumhow i dun know i hav to give my banking statement for my salary bank. they want the latest update statement as of today for example if you do it today. so waiting for this monday to submit the last document needed and will update you guys after that.