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 Personal Loan, which banks offer the best deal?

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sharilazri
post Mar 28 2011, 07:47 PM

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Goin to submit documents needed to 1 of forumer here which provide PL service. Let's see how success itbis. Will update here.
sharilazri
post Mar 28 2011, 08:14 PM

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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.
sharilazri
post Mar 28 2011, 09:31 PM

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Maybe u can start PM them 1st
sharilazri
post Mar 29 2011, 07:49 AM

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Then kenshin1 just pm me bout ur offer
sharilazri
post May 5 2011, 03:48 PM

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Most of the bankers advise to apply for CC and get a credit facility with ur card. Now I'm applying for CC as all my PL application rejected due to commitment at all. Demn.
sharilazri
post May 6 2011, 10:51 AM

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QUOTE(carinna @ May 5 2011, 09:46 PM)
i am personal loan representative for 10 banks in Malaysia.

We will assist you to get personal loan with lowest interest rate and highest amount of loan in town.

Kindly email : keithkan.ts@gmail.com for details

Added on May 5, 2011, 9:51 pm
i am personal loan representative for 10 banks in Malaysia.

We will assist you to get personal loan with lowest interest rate and highest amount of loan in town.

Kindly email : keithkan.ts@gmail.com for details

Added on May 5, 2011, 9:52 pmi am personal loan representative for 10 banks in Malaysia.

We will assist you to get personal loan with lowest interest rate and highest amount of loan in town.

Kindly email : keithkan.ts@gmail.com for details
*
There's no such things as consultant or get know insider etc. This is my personal experience.
sharilazri
post May 7 2011, 12:58 AM

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QUOTE(nokiaXP @ May 6 2011, 09:53 PM)
any bank is more easily to get pl approved?urgent pls.
*
Unfortunately none. They will require this n that end up it's rejected. U may try Rhb easy and if u doesnt meet the criteria as easy as abc will be rejected.
sharilazri
post May 11 2011, 11:42 AM

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QUOTE(shoduken @ May 10 2011, 10:44 PM)
I have a friend want to apply Personal Loan but:-

a) He don't have any records of loans or credit card
b) His income doesn't come with EPF (full payment in cash voucher because he doesn't want deductions)
c) Income around rm2,500+

Is it hard for him to apply? If nope, anyone want to take up this particular challenging application can please PM me, I'll pass your number to him. :-D

Cheers.
*
His situation just like me only the difference on income. And no financial institution dare to give a credit facility. Malaysia Boleh!!


sharilazri
post May 13 2011, 03:09 PM

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QUOTE(dzila_87 @ May 13 2011, 11:56 AM)
Hi

I want to apply personal loan for 10K.My salary is about 2300(before EPF and SOCSO deduction).I don't have any credit card and loan so far with any bank. My PTPTN payment is good.Any bank can give personal loan to me as Allianze bank reject my loan oredi ;(

P/S : Nowadays why if you want to apply loan need credit card oso. I don't like credit card. I pay cash/debit everytime I go buying smthing sad.gif
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The answer is easy. U fall under "high risk" customer. Same goes to me. Even for me it's harder to get a credit card due to no record in CCRIS and my current company not contributing EPF. Might try to get HP loan first or CC first.
sharilazri
post Jun 3 2011, 08:05 PM

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If we have that privillege to choose the best financial institution would be ideal. But in reality bank will choose their customer.
sharilazri
post Jun 6 2011, 03:52 PM

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QUOTE(munchinks @ Jun 6 2011, 11:39 AM)
I also applied with MBB,CIMB,HSBC,Standard Chartered, Bank Islam,Al-Rajhi, Citibank, all failed.

Saw a RHB Easy outlet, walked in, passed them my IC, and got a 10k loan on the spot.
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U got existing loan with other bank? If I'm not mistaken if we have existing loan with other financial institution,
easier if not need to bring 3months payslip to RHB Easy kiosk..
sharilazri
post Jun 8 2011, 11:10 PM

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Lower interest = harder to approved from my personal experience..
sharilazri
post Jun 9 2011, 11:24 AM

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QUOTE(hanalolu @ Jun 9 2011, 10:29 AM)
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.
*
You are right. What I mean is reality in life. Eg. Bank rakyat giving low interest BUT only Govt. servant, badan berkanun & certain company can apply..
sharilazri
post Jun 18 2011, 12:15 AM

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QUOTE(GeneGene87 @ Jun 17 2011, 11:26 PM)
so far i wan to know...i jus a student who jus start my 1st job as my salary are Rm1.5k only...so can i apply a credit card...?
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Unfortunately cannot due to new regulation set by BNM.
sharilazri
post Jun 20 2011, 11:58 AM

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QUOTE(nokiaXP @ Jun 19 2011, 10:31 AM)
wat new regulation?
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http://www.rhb.com.my/cards/announcements/...ideline-faq.pdf
sharilazri
post Jun 20 2011, 03:08 PM

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QUOTE(bubbles288 @ Jun 20 2011, 12:45 PM)
hELLO,

I have some enquiry.
I am credit card holder, juz 6 month holder and also juz apply home loan from Public Bank, going to start to pay on June 2011.

I am wondering whether I can apply personal loan using RHB easy juz wif myKad?
*
After a year will be better and did you already considered the interest rate for EASY RHB?
sharilazri
post Jun 20 2011, 08:19 PM

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QUOTE(Bonescythe @ Jun 20 2011, 08:15 PM)
She is available then.. For loan consultation, not for other stuffs smile.gif Haha

0178719021(jenny).

Call her to assist smile.gif
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She's bankers or agent?
sharilazri
post Jun 23 2011, 12:15 PM

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QUOTE(GeneGene87 @ Jun 23 2011, 12:21 AM)
now my basic plus commission are Rm1.7k...then less epf all bring home about 1.5k like tat oli...i apply the card bcos i can no nid always use cash to pay for my phone bill,petrol money...and jus pay at end of month...
*
Please check new regulation set by BNM. Minimum annual income should be RM24000 / 12 = RM2000 a month only entitled to apply for a card. Please refer to credit card thread for clearer picture on this.

http://forum.lowyat.net/CreditCardsDebitCardsandLoyaltyCards
sharilazri
post Jul 6 2011, 10:26 PM

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Same problem here. From my observation bank will offer credit facility for those who doesn't need it but keep rejecting people who're really in need of that facility.
sharilazri
post Jul 12 2011, 09:47 AM

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QUOTE(fhunkyfhinky @ Jul 12 2011, 09:15 AM)
hye everyone. New here.

Just want to ask, has anyone take PL with HSBC before?
How long they will be process an application?

I apply last two weeks, but seems no response until today, just thinkin of canceling it

any opinions?
*
Based on experience it's only took 3-7days to know the status.
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