Hi, all. There is an offer here.

Financing rate : 5.5%-12%
Loan Amount : 6k-100k
Tenure (Year) : 2-7
Insurance : Protection(Takaful)
- 1 day approval
- next day disbursement
- no collateral & guarantor
- no hidden cost
- less document needed

Zerro Yap
017-4515158
OCBC Bank

Dear Lowyatians,

Here is the offer from my bank.

Financing rate : 5.5% - 12%per annum
Financing Amount : RM6,000 - RM100,000
Tenure (Year) : 2-7
Insurance : Protection(Takaful)
- 1 day approval
- next day disbursement
- no collateral & guarantor
- no hidden cost
- less document needed

Kindly contact me for more information. Cheers.

Zerro Yap
017-4515158
zerroyap@ocbc.com

if you use credit card, it takes 1 day. full doc will take up few days.
I think by tml the sales staff will let you know the result ady. cheers~

For your information, u will pay more on Interest during the first few months.
N the later months, u only pay for the principles.
So you settle the loan all ady?

urs is from wat bank?
never heard 6% before wan...

Perhaps you can try this out.

Financing rate : as low as 5.5%per annum
Financing Amount : up to RM100,000
Tenure (Year) : 2-7
- no collateral & guarantor
- NO HIDDEN COST

Kindly contact me for more enquiries. =)

Zerro Yap
017-4515158
zerroyap@ocbc.com

we judged the financing rate based on customer income or credit card average limit.
basically customer whose income more than 15k or credit card average limit more than 45k, they are entitled for it.

Rgds,
Zerro Yap
017-4515158
zerroyap@ocbc.com

for income 9k, bank will arrange the financing rate of 9.5%.
if you provide ur bonus month payslip or EA, i might help u to propose for 8.5%
thanks.

Rgds,
Zerro Yap
0174515158
zerroyap@ocbc.com

it depends. 5 times is for normal company.
if one is working in PCL company, he can go up to 6 times.

if average cc < 45k, only can loan exactly that amount.
if average cc > 45k, one can loan up to 5 times or 100k whichever lower.

r u in price solution? PJ?

rgds,
Zerro Yap
017-4515158
zerroyap@ocbc.com

Are you sure, bro? CTOS also can?
Come on, bank dont do such business.
Dont misleading the people.

Rgds,
Zerro Yap
017-4515158
zerroyap@ocbc.com

---

Added on November 15, 2010, 12:44 amBro,

You are wrong already.
Salary deduction is for Corporate Loan. That one is confirm 5.5%-6.5% based on the tenure year you take.
For normal application, whoever have monthly income > RM15k or cc limit RM45k and above are entitled for 5.5%
Tier of interest is quoted by monthly income as below:
1) 2-2.9k : 12%
2) 3-4.9k : 11%
3) 5-9.9k : 9.5%
4) 10-14.9k : 8.5%
5) 15k and above : 5.5%

10s and have a nice day.

Rgds,
Zerro Yap
017-4515158
zerroyap@ocbc.com

This post has been edited by zerro.yap: Nov 15 2010, 12:44 AM

Sorry, sir. I think u'r wrong already.
1 thing here i would like to clarify with you.
ocbc DO NOT HAVE 8.99% rate. u must be mess up with other bank ady.
thanks.

---

Added on November 16, 2010, 8:57 pmwhat about before 6 months? how much will scb charge for?

---

Added on November 16, 2010, 9:02 pmCORRECT!
Here, bank will issue the person a cheque of remaining interests once he makes early settlement.
2.5% of outstanding principle will be charged if the person settles it BEFORE half of the tenure year.
Thanks.

Rgds,
Zerro Yap
017-4515158
zerroyap@ocbc.com

This post has been edited by zerro.yap: Nov 16 2010, 09:03 PM

For Car Loan, as long as u can meet the requirement (Down-payment) and have proper income every month, bank will loan you ady.
normally car loan is fixed rate from 2-9 years as u like. However, you only can find this at local bank.
Foreign bank dont provide car loan(hire-purchased loan).
Cheers.

Rgds,
Zerro Yap
017-4515158
zerroyap@ocbc.com

easy, u can try to print your CCRIS statement in bank negara...
it's free 1... just like EPF kiosk...

Rgds,
Zerrp Yap
017-4515158
zerroyap@ocbc.com

Hi, friend. Perhaps you can try this out.

- Financing rates : 5.5-12% per annum.
- Tenure year: 2-7 years.
- No hidden costs.
- No guarantor, collateral.
- FAST approval.
- REBATE if make early settlement.

dun hesitate to phone/email me for more info. cheers.

regards,
Zerro Yap
017-4515158
zerroyap@ocbc.com

Hi there, may I know when did your P.Loan application get rejected in OCBC?
Starting from 1stFEB, OCBC has loosen the scoring checking and commitment checking.
Perhaps I can help you to make a try again.
Here is the information of the P.Loan application:
Financing Rate : 6.5%-12%
Loan Amount(RM): 6K-100K
Tenure (year) : 2-7
Perhaps you can call me for further discussion. Cheers.

Rgds,
Zerro Yap
017-4515158
zerroyap@ocbc.com

Hi,

Do you interested with the offer below?
Financing Rate: 6.5%-12%
Financing Amount: 6k-150k
Financing Tenure: 2-7years
No Collateral.
No Guarantor.
No Processing Fee.
Perhaps you can drop me a sms so that i can phone you and explain further to you. thanks.

Rgds,
Zerro Yap
017-4515158
zerroyap@ocbc.com

Are you trying to say OCBC instead of OCSC?
If you are saying OCBC, then Yes!
The is from 6.5% to 12% based on your monthly income/credit card limit.
Will PM you the detail. Cheers.

Rgds,
Zerro Yap
017-4515158
zerroyap@ocbc.com

Hi,

Do you interested with the offer below?
Financing Rate: 6.5%-12%
Financing Amount: 6k-150k
Financing Tenure: 2-7years
No Collateral.
No Guarantor.
No Processing Fee.
Perhaps you can drop me a sms or email me so that i can explain further to you. Cheers.

Rgds,
Zerro Yap
017-4515158
zerroyap@ocbc.com

---

Added on April 13, 2011, 1:53 amFor your information, most of the P.Loan do not need a guarantor nowadays provided you have black and white income every month.
Are you doing your own business or you are employed?
You can PM me anytime if u wish to more detail information of P.Loan offer. Thanks.

Rgds,
Zerro Yap
017-4515158
zerroyap@ocbc.com

This post has been edited by zerro.yap: Apr 13 2011, 01:53 AM

Hi,

Sorry for late reply. Do you have any credit card?
Use credit does not mean u have to pay same rate as credit card which is 17.5% per annum.
We just need to check your credit card information from Bank Negara Malaysia. Then, we will give you the cash which you can do whatever you want without locking your credit card limit.

Here, you have to stay with us half of the tenure year.
Eg, If you choose for 5 years, you have to stay with us 2.5 years. If you choose for 2 years, you have to stay with us 1 years.
After half of the tenure years, you can make early settlement and we will rebate you a portion of the remaining interest.
However, it's still worth if you could make early settlement ANYTIME. It is because the rebate is definitely more than small amount of penalty charge.
Did I answer your question? Thanks.

Rgds,
Zerro Yap
017-4515158
zerroyap@ocbc.com

Sure you do. Once you have credit card already, getting a personal loan would be very easy.
It's because credit card and personal loan are categorized in unsecured lending whereby banks do not take any collateral from you.
Thanks.

Rgds,
Zerro Yap
017-4515158
zerroyap@ocbc.com