Personal Loan, which banks offer the best deal?
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 Jul 6 2011, 09:27 PM
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#1
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Junior Member
18 posts Joined: Feb 2009  
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QUOTE(umapathy @ Jul 6 2011, 05:30 PM) But SCB rejected my applications due to i don't have credit card...how come like this also got ah? u not alone.some bank oso my reject application b'coz i got no credit card and no ccris record   .. funny.anyway, self employed..i mean 'berniaga', really can apply for PL?i had try few all rejected. any idea how i can get PL?biz loan rate are quite high. |
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Jul 7 2011, 11:48 AM
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#2
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Junior Member
18 posts Joined: Feb 2009
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QUOTE(kenshin1 @ Jul 7 2011, 01:34 AM) to all people... from ur statement i must admit that no wonder more and more malaysian go for pinjaman wang berlesen or ahlong.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 - 50k monthly is high for a small company .why u need a loan when u can buy stock mostly at cash terms and pay 3-5 worker with rm50k that u get monthly? - i actually managed to get rm15k biz loan without a credit card and high monthly turnover before.but nothing much u can do with 15k and the rate are high.mybe im just lucky or the manager throw dice while picking customer application that time .for me its just their attitude..if they wanna help..they will help.atleast if u can get majority votes to say 'yes' for your application in their meeting..u are good to go. thanks for ur info. |
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