Maybe my credit score is excellent, I payoff everything before this, a motorbike, superbike all paid off.

Really?? why is that bro?? due tell please..

A man in his 30's married made a loan with parents??

Yeah..Sure gonna pay back.. but its embarassing to ask for a loan with ma parents..

Joint loan with my wife, plus we got savings in the asb account

Pls no. Personal loan going to take forever to finish

As long as u can pay and not MIA, no need embarass. Kasi tebal muka saja.

Worse if u stuck in personal loan nightmare. Trust me. I had a sibling with personal loan, he paid it for so long since the bunga so tinggi.

How much saving do you have in your asb? Why dont you use your money in asb. The div is only 4.6 this year. Interest for personal loan is wayy more than that.

We are expecting, me and my wife, so the money is to get by for the baby to come.

Thanks man...first positive advise I hear for today, thanks

Got wife and commitment also quiet a lot, I try to shorten the loan if possible.. Thanks man..

janji pay back with interest. make a fixed plan and stick to it, no problem la

Owhh, now understand...thanks for the clarification dude.. Parents loan, hurmmm..very shy lah..

you nk buat PL for maternity ke? Pergi private facility give birth ke....

Already did a rough calculation just now, found a low interest bank on the internet, quiet oklah, RM10K for 5 years, monthly around RM189 , interest around 2-3% annually so have to pay back around total RM11200 like that

based on your personal experience?? do tell.

If pay on time should be ok right?? I planned to just auto debit every month on my account, easier that way to ensure I wont miss any payments...

Go ahead then if u think the rate is ok.


If u asking should u or not take loan, i can tell u 9 1/2 out of 10 will tell u dont.
But i'd say its fine if u think its worth if and u can afford it.

My wife prefer to not use the ASB money now, its for future use, just need a quick loan for NOW...

Ppl assume if u taking loan, u will continue to spend even more coz u know u can always take another loan if u not enough money.
In the end probably need to sell harta or AKPK to settle