i'm not really understand about personal loan..i just want to ask sifu² here...which bank now give the lowest interest and good package for personal loan financing base on monthly payment...and it is applicable for private sector...my salary is above 2k and i don't hv anything to pay (house, car, loan, etc)..i'm planning to use the money to re-invest...hope someone can give idea...

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hello guys!

i need a serious help and advise

i need to borrow PL Or do balance transfer to clear out my CC DEBT
CC Debt around Rm6k which are Citi(2.6k),Eon(1.9k),hong Leong(1.2k),Rhb(500)

i dun have any car loans and commitment so far.
my gross salary are Rm2.7k nett
but the issue is i got my new job just less for 3 month working period (currently around 2 month)
but i do have a Credicard for limit :Rm3k since 2006

Any agent can helpme out?

thus are they hv any balance transfer plan with low interest rate?other than Personal loan
(My BT mean at some bank help me  clear all out MY CC,and i will repayback by installment by 3-4 years time
with flat or low interest)
if you need further information
please call me up 0122877853
Nick Wong
i am from Puchong/Subang/Sunway

hi everyone..i have a question here..is it possible for a univ student to make a personal bank loan?

hope someone can answer my question..thanx in advance..

Tried but rejected 

Btw , do I need to be islam to use Xpress Cash Financing-i by CIMB Islamic Bank ??

and this is the rate i get from their website (only 3), dont know is it correct or not. can anyone please advice?

cheapest now is PBB with 1.5% for 1 year and 5% for 2 year

the balance transfer still works??

guys, i am offered a 0.5% balance transfer of RM3K over 6 months period.
i have outstanding CC RM7K.

is it justify to take up the BT loan and pay the CC outstanding?
because i read some post sometime back, if we paid the CC min amount every month, its actually more worth at the end of the day.
please advice.

thanks Syd! i have learnt the lesson and now i am trying hard to patch the hole.
ya, i guess like you said BT is the only choice for me now and this one 0.5 * 12 months = 6% is better than the CC 18% per anum for the next 6 months.

just extra info to share: HSBC offered me Personal Loan 12% flat rate, 2 years min 6K