Personal Loan, which banks offer the best deal?
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 Dec 15 2010, 12:35 AM
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#1
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110 posts Joined: Dec 2010  
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QUOTE(Futurama @ Dec 14 2010, 05:26 PM) Asking for a friend, she needs a personal loan of about 30k, probably 2-3 yrs repayment. Salary of 10k a month. Which is the lowest rate? http://kenshin1alliancegroup.blogspot.com/ check it out my blogspot kenshin lai consumer loan executive alliance bank |
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Mar 28 2011, 11:10 PM
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#2
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110 posts Joined: Dec 2010
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QUOTE(sam0919 @ Mar 28 2011, 06:42 PM) lol u ask me pm u but u offline ... I PM U ALREADY..EXPLAINED ALREADY.. I WORK VERY FAST ONE.. U DONT WANNA CHOOSE ME t.t SAD...Added on March 28, 2011, 11:27 pm QUOTE(sharilazri @ Mar 28 2011, 08:14 PM) Dunno yet..apply through bank consultant agency. Already apply via std chartered from another forumer here but unsuccessful due to im on contractual basis. Let see this sure approve service. IT DEPENDS ON UR HR DEPARTMENT,WANNA INFORM BANK'S PROCESS DEPT WHEN THEY DO VERIFICATION....IF THEY AND U DONT TELL, UR LOAN WILL B OK.... IF UR HR DEPT IS OK ABOUT IT, U CAN INFORM THEM NOT TO TELL... THIS IS ANOTHER TRICK.... BUT MY REJ CASE WHO WORKS AS CONTRACT APPROVED AT OTHER BANK..FOR SURE... zZZZZZ..... This post has been edited by kenshin1: Mar 28 2011, 11:27 PM |
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Mar 30 2011, 02:12 AM
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#3
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110 posts Joined: Dec 2010
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i do in min 5 days...
Added on March 30, 2011, 2:15 am QUOTE(kzac @ Mar 29 2011, 02:49 PM) hi anyone here can assist me on bank rakyat's PL? hoping to get rm35k at <5% p.a (<5 yrs repayment). hi.. im direct from alliance bank... u can get to any BR branch to know is ur company is in the panel list... cos i dont have it, i cant help..if u r in listed company, better look for BSN....salary - >rm3k,got 3 years credit card,working for listed company for 4 years. if theres any kind soul can help. pls pm me. thanks so much. This post has been edited by kenshin1: Mar 30 2011, 02:15 AM |
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Apr 13 2011, 01:01 AM
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#4
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110 posts Joined: Dec 2010
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QUOTE(Sifha238 @ Apr 12 2011, 05:48 PM) Anyone work at government sector, this is the best offer in town right now.... I TOT 3.98% END ON 31 OF MARCH....Read my signature below  3.98% FOR 2O YEARS OR 3.98% FOR 10 YEARS? IF 3.98% FOR 20 YEARS.. SURE NO REBATE WHEN EARLY SETTLEMENT..IF LISTED.. |
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Apr 20 2011, 12:18 AM
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#5
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110 posts Joined: Dec 2010
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cimb koperasi loan is none rebate loan... so if u wanna b a good customer paying untill 20years.. go ahead.. if u wanna overlap in few years.. no rebate at all....
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Apr 22 2011, 12:37 PM
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#6
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110 posts Joined: Dec 2010
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QUOTE(epie @ Apr 21 2011, 08:43 PM) where did u get this info? WHERE DID U CALL?? U SHLD CALL HQ, BUT NOT BRANCH.. THEY DONT KNW THE THING..ASK HQ AND GIV U CONFIRM ANSWER..I ask CIMB and they said the rebate gonna be the same |
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Apr 22 2011, 06:18 PM
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#7
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110 posts Joined: Dec 2010
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QUOTE(scouser7 @ Apr 22 2011, 02:37 PM) Wish to take PL for RM50k. I'm in the private sector. Pls advise what are my best options. TQ be frankly,pls make sure u can hit 50k... in banking line...banks regularly wld giv u x5 only....2nd, u must hv a credit card or paying any personal more than 1 year... these are the basic rule... if u cant hit 50k, try to combine 2 banks and apply together...thx |
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Apr 28 2011, 10:14 PM
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#8
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110 posts Joined: Dec 2010
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QUOTE(Robin Liew @ Apr 28 2011, 05:01 PM) HL pre approve offer me rm80k yes... there is personal loan called pre-approved loan..just need submit ic any catch there? how come so easy easy give rm80k 0.7% pm good or not? frankly, bank also need customer,they look for good payment customers and offer them presonal loan and with simple doc.... 0.7%pm is ok rate... but most good payment cm doesnt need loan...but some need.. decision is urs... |
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May 4 2011, 12:20 AM
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#9
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110 posts Joined: Dec 2010
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Y DONT U GUYS LOOK FOR ME.. IM QUITE EXPERIENCED AT IT...NOT DIRECT FROM ALLIANCE BANK ONLY.. LINKS TO MY FRIEND AT ANY OTHER BANKS
PS. DONT GO MAYBANK AND CIMB PLOAN ANYMORE... IT WONT APPROVE.. IT'S NOT THE SAME AS OTHER BANK PLOAN... |
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May 4 2011, 11:29 PM
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#10
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110 posts Joined: Dec 2010
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QUOTE(nokiaXP @ May 4 2011, 05:29 PM) why u say maybank and cimb wont approved pl? cimb and maybank.. Added on May 4, 2011, 5:31 pmi apply pl from eon bank,cimb and alliance bank.which bank got higher chances to get?still waiting status they dont look for unsecured lending (credit card/ploan) more than 1 year.. they just wanna make sure ur income is more than 2.5k (but if u hv other house or car loan default or late also wont do..)..... actually.. eon bank and alliance bank ploan... the approval rate is quite low, lower than hlb, scb, uob, hsbc... cos better rate... im alliance banker direct from alliance bank...i can say the alliance bank approval rate is better than few months b4... p.s. applying ploan,is not so easy...they will go vis ccris record in bank negara...watever u hv , will show in there.... these are the rules, no 2 month or more late payment... commitment not to high.. and not too much loan... which means...banks choose customers... not customers choose banks...banks dont wanna rugi of lending u money....so choose a good banker is more important,to let u know more details, knw wat shld do next if reject... |
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May 5 2011, 07:41 AM
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#11
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110 posts Joined: Dec 2010
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QUOTE(apache79 @ May 5 2011, 02:59 AM) can we convert our credit card to personal loan? tired of paying high interest on cc. yes..this is the alot of people use personal loan for.... |
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May 12 2011, 10:39 PM
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#12
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110 posts Joined: Dec 2010
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about bank statement... to show ur income is tele with ur bankstatement figure...
do u mean bank statement for masuk money?yes,they need a black and white reference to show the account is under the customer's name... bank is not link with other banks...but every banks link to bank negara... PLOAN OF CIMB AND MAYBANK IS NOT THE SAME AS OTHERS(SCB,HLB,UOB,EON,ALLIANCE)...DIFFERENT POLICY AND ENQUIRY... EASY RHB? YES ONLY WITH MYKAD...IF U WAN TO APPLY FOR 3K ONLY?..I CAN RECOMMAND U MY FRIEND AT HQ OF RHB,AS A TELESALES,CAN ACCEPT CUSTOMERS USING EMAIL TO SEND DOC AND FORMS...SAME AS EASY RHB,BUT TAKES FEW DAYS TO PROCESS..I HAVE ALREADY PM U.... IM KENSHIN LAI DIRECT FROM ALLIANCE BANK (NOT 3RD PARTY!!!!!) |
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May 15 2011, 02:39 PM
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#13
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110 posts Joined: Dec 2010
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QUOTE(nujikabane @ May 15 2011, 11:32 AM) Can RHB easy loan do overlap ? u r crazy... rhb loan is the highest rate in banking line 13.45%...U WANA USE RHB TO OVERLAP OTHERS?Meaning getting another loan from RHB to settle the current loan ? |
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May 17 2011, 03:52 PM
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#14
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110 posts Joined: Dec 2010
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QUOTE(smartinvestor01 @ May 16 2011, 06:55 PM) Any banks giving the lowest personal loan interest at the moment? hello...lowest is cimb 7.88%..but cimb and maybank ploan are not the same like others (scb, hlb, eon, uob,hsbc and alliance) totally different ....2nd is alliance 8.88%.... if u dont hv credit card/ ploan more than a year but income more than 2.5k.. look for maybank and cimb... if u hv credit card and so on.. look for others Added on May 17, 2011, 3:55 pm QUOTE(dzila_87 @ May 17 2011, 11:12 AM) can i apply more than one bank for personal loan in the same time?izit possible? yes.. sure... 2,3,4,5,6 no problem....when u mention about this... i start to piss for those agency, wat agency, pre approved, 11 banks...how much amount u want can get for u... it's stupid,all lies... normally 1 bank wld giv u x5 of ur income only.... if u wan more than that, apply at other bank until ur commitment hit 80% of ur income... agency said will do,it's all bullshit..they apply for 5-6 banks..not even 11 banks cos others are not active in ploan... Added on May 17, 2011, 3:57 pm QUOTE(smesul @ May 17 2011, 11:31 AM) this thread don`t have specific table for PL offered by bank. it will be very convenient if we have it on the first page. if u want, i can get HLB, rhb, hsbc, alliance, standard charted, uob for u....anyone working on it?? This post has been edited by kenshin1: May 17 2011, 03:57 PM |
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May 18 2011, 02:22 PM
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#15
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110 posts Joined: Dec 2010
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QUOTE(IlDivinCodino @ May 18 2011, 01:54 AM) Am not really sure but I was offered a 7% p/a interest rate by Standard Chartered the other day when I opened a savings account with them. They were having some kind of a promotion for staff in my company... yes.. there is pre-approved loan,offered by bank directly but NOT 3RD PARTY....lower interest,very very simple doc.. |
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May 27 2011, 09:33 PM
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#16
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110 posts Joined: Dec 2010
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QUOTE(mykev76 @ May 27 2011, 06:39 PM) Need 50k Loan, agent pls PM me with your EIR rate ....thanks first make sure ur income b4 deduction more than 10k...or credit car limit minimum 30k (for alliance bank) 8.88% for alliance...interested,just pm me Added on May 27, 2011, 9:37 pm QUOTE(nokiaXP @ May 26 2011, 09:15 PM) i think thats 1 of the reason.msia bank no dare borrow loan to ppl working in sg no...this is not the reason.... maybank and cimb rej ur case is random...others rej,im sure is scoring.. only ocbc and hsbc can accept customer with bad scoring... scoring(different banks, with diff policy in scoring)... scoring can come from ur late payment issue, credit card over limi, credit car outstanding near to limit.... im a ploan senior exec direct from bank... anything just ask, i will try my best to asnwer u.... This post has been edited by kenshin1: May 27 2011, 09:37 PM |
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Jun 10 2011, 01:25 AM
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#17
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110 posts Joined: Dec 2010
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QUOTE(bryanchean @ Jun 10 2011, 12:05 AM) heard std chrtd offered personal loan with interest lowest 7.5% repayment up to 5 yrs... apply more than 100k... pls check properly..no processing fees with cash back yearly...quite good offer. |
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Jun 12 2011, 11:50 PM
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#18
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110 posts Joined: Dec 2010
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QUOTE(Exiled_Gundam @ Jun 12 2011, 07:07 PM) I just made a personal loan of RM 6k from RHB Easy today. Actually I intend to choose 1 year tenure, but during the registration process the staff there said he will make it 5 years because their system might reject the application if the monthly repayment and my monthly pay ratio deemed unsuitable. Then he said I can one-shot settle it after 6 months, with rebate. hi... i wanna ask, why dont u take the lower rate? do u knw rhb is hving the highest rate 13.45%? and the penalty is higher too?After the loan is approved, I'm quite surprised to see the total repayment amount of RM 10356.60. So I want to know how much is the rebate from RHB if I repay the loan after, say, 1 year instead of 5 years. I'm worried about the rebate being too little, coz had I really forced for the 1 year repayment, only had to pay around RM 800++ extra, compared to RM 4k++ extra p/s: this is my first time getting personal loan |
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Jul 7 2011, 01:34 AM
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#19
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110 posts Joined: Dec 2010
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to all people...
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 This post has been edited by kenshin1: Jul 7 2011, 01:46 AM |
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Jul 9 2011, 10:27 PM
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#20
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QUOTE(lowyat2011 @ Jul 8 2011, 08:57 PM) Hi all, bos,not shopping in pasar...bank islam n bank rakyat is for gov or gov link....1%rebate for eon with terms and condition..y dont try our alliance 8.88%pa 100%payout even no stamp duty..fix and flat,no terms and condition to get 8.88%I applied a PL from SCB, RM30k, repayment for 3 years, interest rate 10.5% pa. Tried to ask to reduce interest rate, but SCB refused. I need to decide to accept or reject the loan by next week... I just found out, better rate offer by other bank... 1) Bank Islam: 6% pa. http://www.bankislam.com.my/en/Pages/NonPa...rsonalFinancing 2) Eon Bank: 9% pa. with 1% rebate every year. http://www.eonbank.com.my/personal_banking...sonalloan.shtml 3) Bank Rakyat: 3.3% pa. http://www.bankrakyat.com.my/web/guest/120 Any better offer? Please share. Thanks. Added on July 9, 2011, 10:31 pm QUOTE(beeboo88 @ Jul 9 2011, 01:50 PM) i applied 10k ploan from eon bank n gt rejected thru sms... the prob is my salary is 2.3k, no credit card and only have my car loan commitment..dunnoe why gt rejected.. bos, ploan for most bank, they wan cm hv 1 year credit card record...u shld knw this b4 applying...but our alliance bank offer 8.88% who has car/house loan without credit card... but need>1 yr This post has been edited by kenshin1: Jul 9 2011, 10:31 PM |
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