I m helping fiancial problem members to reduce their credit card payment. just refinancing ur credit card. PM me if interested. 6% p.a. maximum 3 years. Blacklisted card holder oso can. Can reduce ur payment to credit card up to 80%.

It's possible if the documents submitted is not completed. But seldom happen unless customer is in overseas & ask the bank to hold the application & not to reject it due to documentary incomplete.

Yes, any bank can loan u by u pledge a FD to them & getting 2x OD facilities from bank. If u want to get 3x loan from cash tht u pledged, u need to go to commercial bank.

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Added on July 6, 2008, 2:16 amIf he/she would apply few loans at the sametime, then he/she can get the amount tht he/she wants. Not necessary hv to get 7x loan.....

This post has been edited by vicng: Jul 6 2008, 02:16 AM

CitiBank even can get 9.6% p.a.

For those who need Personal Loan, I can help u guys to get the rate below 9% p.a. Promotion only for those who apply in this mth.

u can pledge FD to bank to get the OD. normally ratio fpr FD:OD is 1:2.

U just put the FD in a bank & told them u want to pledge for OD. They will hold ur FD certificate & processing is abt 1-2 weeks. No fixed repayment period, as long as u service the interest mthly but u didn't pay the principal is ok. Interest is BLR+1%.

Actually is you use part of your own money to buy the gift. If u can get Balance Transfer plan which is lower rate, said about 5% p.a., then u can save 3.99% p.a. (RM598.50), in 2 years u can save 7.98% (RM1197). If the LCD TV cost RM2000, then u already paid more than 1/2 price of it in up-front. Besides, AmBank is buying the LCD TV in bulk, then they can get it in very low price, maybe RM1500 per unit.

So actually customer is almost paying for the whole LCD TV by getting charged 8.99% p.a. for Balance Transfer.

If the bank check ur credit profile after they approve ur loan, then I think the loan processing officer is failed in doing his/ her job. If they want, they will check before loan approve but not after approve.

If for simple explanation, u just need to use the flat rate x 1.7 times, then u will roughly get the effective rate.