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 CCRIS, CTOS, Blacklisted by Bank, Whats The different.

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unknown_2
post Dec 9 2014, 12:18 PM

On my way
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Junior Member
571 posts

Joined: Mar 2012


QUOTE(Yfamily @ Nov 4 2014, 08:32 PM)
Bro, my brother want to apply car loans, his situations is he is part times  house agent before, when he start he had bad record for CC and car loan but no more than 3 months. Now he have pay back (1-2month for CC)excerpt car loan 2 month coz want trade in already
, he don't have pay slip as agent but got bank statement with average 3k (part time) now he just get a new job with offer letter rm2000 + 500 allowances, can he get car loan for 'vw polo (loan 80k)new car with me as guarantor,I am clean. By the way , he can pay 9k as deposits,
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seriously....get a cheaper car la.
unknown_2
post Dec 10 2014, 11:59 AM

On my way
****
Junior Member
571 posts

Joined: Mar 2012


QUOTE(khairulismail70 @ Dec 10 2014, 11:56 AM)
eh since when pulak car need guarantor??? never heard about this before
anyway vw is a good car to buy but with the current salary better opt for cheaper car
also don't simply become someone guarantor coz if that person don't pay, you going to get it lo...
just my 2 sen
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when bank request guarantor for loan, usually is bcoz either the amount is big, or the person credit score is somewhat questionable.
unknown_2
post Apr 7 2016, 04:24 PM

On my way
****
Junior Member
571 posts

Joined: Mar 2012


QUOTE(Deskihaoz @ Apr 7 2016, 03:29 PM)
Thank you for the quick reply bruuhh..

Is it possible to reduce the payment? anyone experienced it before? Like successfully negotiated with them?
As i did asked them about this issue but they say it was non-negotiable ...lol

I asked at a small counter or kiosk at shopping mall...Or maybe I can be negotiate success if i go to a bigger PTPTN branches?

Thank you for the quick reply! =]
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now no more discount edi.

 

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