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 Personal Loan, Any inquiries you may raise here.

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defdekz
post Oct 4 2009, 08:30 PM

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QUOTE(eric.tangps @ Oct 3 2009, 01:23 AM)
If it is oil palm related, try Agro-Bank or a.k.a. Bank Pertanian.
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thx for the info but still im confuse. i think they only help to purchase agriculture related things but not to purchase land. i think maybe i should wait my palm bears its fruits, 1 year n half more sweat.gif . but still better they can help me to open shrimp farm after i follow their program/course and they asked me to 100% full concentrate on that farming.



I wonder what is the maximum i can get for personal loan if i only can obtain around 16k~18k average per month for palm land (not to minus etc %^&* costs)

i still dont have a job but if i can get a loan than there's a job for me. so i think it's better for me to follow their agro bank program and start shrimp farming and after my palm bears its fruits then i have to find better bank for me to get a personal loan to buy other agriculture land.

biggrin.gif but i surf many bank site i only found only 150k max loan..... maybe i have to give up for rm500k loan biggrin.gif
i would be happy if i can get people's opinion for a loan in here notworthy.gif
NeophyteHeaven
post Oct 5 2009, 12:20 AM

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what are terms or requirements to make personal loan.. gov servant here..just 11 month..
atake
post Oct 5 2009, 12:41 PM

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Answer it already.Check it out at comment :

http://eyriqazz.blogspot.com/2009/10/pinjaman-peribadi.html
robbychang
post Oct 8 2009, 12:25 AM

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Joined: Sep 2009
From kota kinabalu sabah
Need personal loan RM20k - RM50k or higher
Self employed
Salary RM3500-RM4500 depends on business
Please email me at robbychang2003@yahoo.com

Thanks
gidhee88
post Oct 8 2009, 12:36 AM

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KOPERASI GEMILANG SISWAZAH BERHAD
(NO PENDAFTARAN W-6-0390)

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20,000 345.00 321.60 303.00 296.20 283.40 272.60 263.40 255.40
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armo02
post Oct 13 2009, 02:34 PM

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From: http://rbcollector.blogspot.com/
QUOTE(hanalolu @ Aug 8 2007, 03:42 PM)
Why not ? Any thing related to personal loan are welcome.

Added on August 8, 2007, 3:43 pm

You got PM  biggrin.gif

Added on August 8, 2007, 3:51 pm

If suspended by bank, sorry to say that 90% will fail to get loan from citibank.

Added on August 8, 2007, 3:58 pm

Sorry that I cant reveal the approval/rejection rate and commission, its fall under P&C.
There is no free and easy thing, the approval is determine by your financial background.
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Bro, if blacklisted can apply mehhh??
peeky
post Oct 13 2009, 05:32 PM

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any citibank agents ?
tishaban
post Oct 14 2009, 09:52 AM

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QUOTE(peeky @ Oct 13 2009, 05:32 PM)
any citibank agents ?
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Last I checked Citibank had amazingly high interest rates for personal loans, sometimes closer to 10-11% cumulative per annum.

But if you want to know an agent, let me know and I'll PM you one who works at Citibank Bandar Puteri
kelvin85
post Oct 14 2009, 03:47 PM

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i am bank staff of ocbc bank, just pm me if u interested on ocbc personal loan, housing loan or investment.

personal loan rate from 5.50 ~ 12.00%

Added on October 14, 2009, 3:50 pmwe offer 5X-6X of your income
tenure up to 7 yrs
fast approval.

just pm me if u in KL area for fast cash. TQ

This post has been edited by kelvin85: Oct 14 2009, 03:50 PM
peeky
post Oct 14 2009, 08:20 PM

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PM ed u already

This post has been edited by peeky: Oct 14 2009, 08:21 PM
adilee
post Oct 15 2009, 03:00 AM

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i'm adiLee from HSBC Amanah...anyone interested with personal financing,can sms me...0127624526...we offer for private sector as well..n thanks for those who contact me b4, wish u all happy deepavali...
Terel
post Oct 15 2009, 11:25 AM

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Re-finance your home to get the funds. The interest rates are so much better (housing loan interest rates can go up to BLR-3.20%).

PM or call me to find out more.
kento
post Oct 15 2009, 01:16 PM

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any bank rakyat agents here... sweat.gif
mmusang
post Oct 15 2009, 03:39 PM

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bank rakyat only limited to gov servants and private company who is their panel bank(gaji masuk ikut bank nih).
jianee89
post Oct 15 2009, 07:52 PM

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The best bank loan package is PTPTN loan , whether you agree or not.

The 1% interest will be a gem for a smart investor comparing to a fool who used up all his money for pleasure during his study time.

But, you can always sign up part time courses ie. law degree and use the loan for your living. Utilise the money for your purpose and pay later. smile.gif

This post has been edited by jianee89: Oct 15 2009, 07:53 PM
kento
post Oct 16 2009, 12:08 AM

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QUOTE(mmusang @ Oct 15 2009, 03:39 PM)
bank rakyat only limited to gov servants and private company who is their panel bank(gaji masuk ikut bank nih).
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i thought private sector which is Sdn Bhd oso can...is it..even not panel wif B.Rakyat... true o nope aa blink.gif
amiranna
post Oct 16 2009, 04:02 PM

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QUOTE(kento @ Oct 16 2009, 12:08 AM)
i thought private sector which is Sdn Bhd oso can...is it..even not panel wif B.Rakyat... true o nope aa  blink.gif
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nope.. not all can apply B.rakyat personal loan. only gov servant and selected private comp entitle to apply.

This post has been edited by amiranna: Oct 16 2009, 05:02 PM
devillam
post Oct 17 2009, 10:54 AM

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Hi,

I wan to take personal loan 0f 10k, currently my income is 3k+, i wan full settlement on 1-2 years. may i know wat is the rate? pls pm me, only for bankers. can i use my credit card to apply? limit is 7k and between i also have house loan.
buenotengo
post Oct 17 2009, 11:29 AM

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To anyone
I am a personal loan sales executive in Malaysia KL region. Anyone interested in personal loan can contact me 0163161279 for any info.
No guarantor and fast approval.

Mun Wai
Elisegan
post Oct 18 2009, 02:54 PM

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QUOTE(lee088 @ Aug 8 2007, 04:18 PM)
OCBC power credit is a standy revolving loan - it is like a reserve and the interest is only charge when the money is withdraw from the account.  The rate is slightly lower than credit card, I think is 1.4% p.a.  The max amont is 3x  salary.  Comparing with personal loan, here is what I think:

The good
smile.gif Pay-as-you-use.  You only charged on what you have withdrawn.  Personal loan is all at one goes.
smile.gif A standby credict.  You do not have to use it if you don't want to but has the option.  For personal loan, once it approved, you have to pay all the interests according to the terms (period), and that there is a panelty on early settlement.  In sort, personal loan 'locked' you.

The bad:
sad.gif Rate is higher than personal loan (pls take note that the 'flat rate' is not the actual interest rate as it does not take into account that over a period of payment, the original principle has reduced but the interest rate still based on the original amount, thus the actual rate is usually much higher than what advertised)
sad.gif Max amount is capped at 3X of income, Personal loan is 5X

Conclusion:
The Power Credict is best to treat it like an overdraft facilities, or a line of credict for emergency.  Therefore is probably most helpful for businesses, or for someone who forsee a large expenses comming soon but not 100% sure but want to be prepared for that eventuality. The 'flexibility' is why it is more 'expensive' (higher rate) than personal loan.  If what you need is flexibility, take OCBC.  All others, take personal loan.

Cheers
*
Sorry to intrude,

The rate is lower than credit card, 1.5% p.a. If you want to get Max amount which is 6x which requires you to be an empoyee from PCL company. There is a btter interest rates charge and better rates.

Yes there is penalty charged for early settlement when before 50% of the financing amount, whilst there is rebates for early settlement when after 50% of the financing amount you paid..

If you want to know more information, feel free to email me at elisegan@ocbc.com, i could help you with all the queries.
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