my friend is thinking of applying for personal loan. currently, he has credit cards from maybank CL 50k, mbf CL 50k, cimb CL 20k and cimb islamic CL 25k. his income is 25k gross after deduction around 17k + nett.

how much can he get roughly and which bank best rate? and he has no car loan / housing loan at the moment.

as i checked wif OCBC, u only eligible for tat 5.5% if ur employer agreed to deduct the installment thru ur monthly  salary, if im not mistaken la..

Beware of those PRE-APPROVE,SURE-APPOVE PL agent here..

NO SUCH THING as PRE/SURE approve!!!!

I applied from a PL agent here, he ask other person meet me to sign the banks loan form.. 10 banks total..

I ask what mean PRE / SURE approve? Answered: got people inside ..

After 2 weeks, 10 out of 5 banks rejected..

I call and ask .. answered: still got few banks mah..

3 weeks past, another 2 banks rejected .. the balance didnt call or sms or email me regarding the loan..

I call again ..

answered: ur account got many problem oh ..

me : what problem? i got no blacklisted, got only late payment (max.3 months) + car loan (no late) .. U said got people inside??

answered: dont worry, i will try appeal for u.. we wont use ur docs illegally 1...

WTF !!! this is wat SURE/PRE approve means ?!?!?

Police report will be make to prevent my docs used for illegal things..