Al Rajhi is currently promoting Beraya Bersama PL. Only bring Mykad, credit card. The amount based on credit card limit. 8% per annum. what do u guys think? Is it good? I'm thinking of getting it to get rid of some debts especially credit cards (18% per annum)....

anyone know anything about standard chartered saddiq Personal Financing-i? I try to apply. I use my insurance policy info. Now in 70% stage, most probably will approve. But I'm kind of worry. The interest is 14-30% on reducing balance. Surely it's cheaper than credit card interest (coz I wanna use it to cut my credit card) but reading in this topic, it seems other banks can offer less than 10% per annum.


But the thing is, not sure those banks accept insurance policy info to apply for loan. Plz advice.

Just got my loan approved. 20k from Standard chartered. 9.1% per annum on reducing balance (Islamic banking). Now can use the money to close all credit card and pay debts. I use my insurance documents to apply this loan. I thought with my current situation (self-employed, no EPF) hard to apply. But with SC, I can use insurance to apply.