Personal Loan, which banks offer the best deal?
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 Aug 2 2009, 06:26 PM
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#1
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Junior Member
41 posts Joined: Oct 2006 
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QUOTE(Icehart @ Jul 31 2009, 09:59 PM) Not sure about that but as long as you have a credit card, then there is a high chance for your personal loan to get approved. Yah..as long as you own a credit card..it's easy to apply personal loan. Well, i'm from OCBC, please call me or sms me (Chin 016-3335956) if you seek any advise or info.  This post has been edited by sskillercom: Aug 2 2009, 06:51 PM |
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Aug 14 2009, 12:10 AM
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#2
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Junior Member
41 posts Joined: Oct 2006
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QUOTE(jcvstlys @ Aug 11 2009, 11:50 PM) Below 21 can apply loan or not? my friend asking No..muz 21 or aboveThis post has been edited by sskillercom: Aug 14 2009, 12:10 AM |
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Oct 8 2009, 09:07 PM
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#3
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Junior Member
41 posts Joined: Oct 2006
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QUOTE(PinkGenie<3 @ Oct 8 2009, 01:07 PM) Let say.. No EPF = no proof of incomeLet say if contractual staff who doesnt have EPF deduction monthly, is he eligible to apply for the personal loan? He got no credit card neither. But he got monthly income of RM2k. |
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Oct 29 2009, 11:13 PM
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#4
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Junior Member
41 posts Joined: Oct 2006
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QUOTE(Phoeni_142 @ Oct 29 2009, 09:45 PM) The lowest tier for CC interest is now 13.5% if u are not delinquent for 12 months straight. Some banks even charge 9% on their credit card for non-delinquent cases. Currently the effective rate offer by my bank is 10.49%. If you interested, u can contact me at 016-3335956Care to educate me which COMMERCIAL bank charges less than 13.5% effective rate for their unsecured personal loan? (I'm not even going to use 9% in my question, to give u some space) I'd be most curious to know. Since, u mentioned that banks offer WAY lower than CC even after converting into effective rate. Please educate me. Added on October 29, 2009, 9:48 pm nope, if u look at the deduction table, you can deduce that it's for govt servants via Angkasa or AG network only. |
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Nov 2 2009, 11:54 PM
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#5
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41 posts Joined: Oct 2006
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QUOTE(keperek @ Nov 2 2009, 09:57 PM) so whats the diff between flat rate & effective rate? effective rate is used to standardized the flat rate and reducing rate in order to do comparison |
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Dec 30 2009, 11:47 PM
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#6
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Junior Member
41 posts Joined: Oct 2006
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well, i'm from ocbc..the rate we offer as low as 5.5%
who interested pls contact 016-3335956 |
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Feb 3 2010, 09:47 PM
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#7
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Junior Member
41 posts Joined: Oct 2006
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QUOTE(barbie_doll @ Feb 3 2010, 08:17 PM) hye you may look for al-rajahi banki want to make a loan withcimb Xpress Cash Financing-i. rm 5000 I have a car loan with rhb and never missed to pay. my salary is 1500. anyone can help me |
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Feb 5 2010, 12:20 AM
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#8
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41 posts Joined: Oct 2006
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QUOTE(Amanda99 @ Feb 3 2010, 10:01 PM) side track a bit... Becoz you are prompt payment masteri want to ask those agents here, how do you guys select ppl to call? I've been receiving tons of phone calls from agents asking me whether interested in PL, but the thing is, i don't have outstanding debts etc, credit card always settle on time....so why target me leh? i iz confused....  |
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Feb 6 2010, 11:54 PM
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#9
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Junior Member
41 posts Joined: Oct 2006
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QUOTE(Leo the Lion @ Feb 6 2010, 06:26 PM) I wanna apply rm3k for Fast Cash Express from CIMB. I wonder, my birth date is 8th August 1989, am I eligible to apply the loan although I'm not fully 21 years old? TQ muz be above 21 |
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