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 Blacklisted but looking for loan, plz help, loaaking personal loan for blacklisted

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hamster9
post Jul 19 2008, 06:08 PM

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QUOTE(peyot @ Jul 15 2008, 10:08 AM)
It take 4 years to settle....currently my salary is good enough but somehow ... cannot pay 13k onthe spot la...

the only thing is..I cannot just wait for 4 years to get housing loan and etc.

Added on July 15, 2008, 10:17 am
alo bro.... I can pay the debt but cannot one shot la.... this is a few years ago punye kes.. currently I want to apply housing loan la... salary ok...but still need to settle with bank another 4 years loan rejected by bank. So now I'm looking somebody who can help me to get loan from bank to pay the debt....so that my name is clean and can do housing loan...not to wait anothe 4 years
*
you can minimalize your tenure if you pay more

let's say your current installment is RM200, then make it to RM500. Then your 13k will be cleared faster, mayb less than 2 years? talk to your banker regarding this wink.gif .

even if u decide to take a personal loan, for u to be eligible to buy a house would take a year or two. so just increase your monthly repayment with a good maintenance of schedule paying. your blacklist would go off within 2 years tongue.gif


QUOTE(peyot @ Jul 15 2008, 11:43 PM)
halo......where can get one shot pay 13k...if can...i don't need your help or advise la.......do u understand?

Added on July 15, 2008, 11:44 pm
halo......where can get one shot pay 13k...if can...i don't need your help or advise la.......do u understand?

Added on July 15, 2008, 11:49 pm
U think I'm stupid?....not loan shark la....but other options.....If i want to land money from loan shark, better directly contact them...not in this forum.  aiyo!!
*
what they mean is not one shot pay 13K but increase your monthly payment back, then you could finish your loan ASAP nod.gif
simplesmile
post Jul 20 2008, 10:03 AM

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goto this website.
http://www.akpk.org.my/

talk to the people there, they can help you.
they may even be able to get the banks to waive all the overdue interests for you. this will reduce your debt very much.
goodluck.
TSpeyot
post Jul 27 2008, 09:49 PM

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QUOTE(tzeyin @ Jul 15 2008, 11:57 PM)
TS, there is no free lunch in this world, no one would give u a low % loan except ur relative / family members, think.

if ur income is ok now, u will know wat to do to clear the 13K debt.
*
Hey U!! If you cannot help...just shut up!!!!!!!

Added on July 27, 2008, 9:54 pm
QUOTE(tinkerbel @ Jul 16 2008, 06:58 PM)
@b00n,
If I'm paid based on total loan amount then who cares whether he can pay or not; as long as it meets min bank requirement I'll approve the loan tongue.gif

If I own the bank, I'll definitely reject his application tongue.gif
*
rclxms.gif thats why u dont have a bank

This post has been edited by peyot: Jul 27 2008, 09:54 PM
tinkerbel
post Jul 28 2008, 10:41 AM

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@peyot,
Don't be too sure I've no influence over certain decisions made with the bankers tongue.gif

So, did U get ur loan oredi?
Walbur
post Aug 29 2008, 10:45 AM

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QUOTE
QUOTE
QUOTE(tzeyin @ Jul 15 2008, 11:57 PM)
TS, there is no free lunch in this world, no one would give u a low % loan except ur relative / family members, think.

if ur income is ok now, u will know wat to do to clear the 13K debt.








Hey U!! If you cannot help...just shut up!!!!!!!




RM13K? i do owe a bank 16K before due to CC, guess what, 1 day collector call me up make a offer to me, installment and full payment, i choose Fullment 1 shot, because it reduce from 16K to 8K, and finally i settle my loan, I can sleep everynight without worrying loan etc worry about future home loan, and ofcos i spent money like water when i was young, that is what i pay for today. and lastly I'll never blame any1, all my fault.

seriously 13K is not much, if your salary is so high which u mention before, i dont see any problem settle ur existing 13k deb..

This post has been edited by Walbur: Aug 29 2008, 10:50 AM
mygenesis
post Aug 29 2008, 04:16 PM

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QUOTE(tinkerbel @ Jul 15 2008, 10:43 AM)
@peyot,
If U can't find the $ to pay off this RM13k, where are U going to find the $ to buy a house?  Y don't U pay up this debt and then only look into getting a property.  RM13k over 4 years is quite a long time if U asked me.

Instead of getting into more debts, I suggest U clear this one first.

Ask urself (even if the bank allows U the home loan):
1) Do U haf sufficient cash for downpayment of property?
2) Do U haf sufficient income to sustain monthly repayment for:
- home loan
- existing loan (RM13k)
3) Haf U also thought about when interest rates increase?  That will affect ur monthly loan payment; assuming you're on a flexi loan.

Do U really want to get urself into a deeper mess than U oredi are?
*
im totally agree with her..btw, since u have extra money y x u settle ur debts..regularise ur payments..then better chance 4 ur loan 2 b approved
Just_Do_It
post Aug 29 2008, 05:38 PM

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as i know there is some loan called 'koperasi loan'
which not relate to bank list,will this helped peyot?
tuo850
post Jul 9 2009, 11:59 AM

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wait a minute, i want to know sumthin, if u still paying/serving the loan, how come u are still blacklisted?? isnt it if u dun pay then only u are blacklisted?? sumeone care to explain?
Walbur
post Jul 13 2009, 12:08 PM

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[quote]wait a minute, i want to know sumthin, if u still paying/serving the loan, how come u are still blacklisted?? isnt it if u dun pay then only u are blacklisted?? sumeone care to explain?[quote]
doesn't care how much now you paying back to the bank each month, once you have any outstanding payment yet settle it with your bank, your CCRIS report with show.

and there is nothing call blacklist, it's just a CCRIS report that every loan officer will look into it before proceed ur loan request.
gstrapinuse
post Aug 12 2009, 04:12 PM

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Once u've blacklisted by Bank Negara, eventhough u settle ur loan and no more owing banks, ur name wont be clear so fast.It is still under blacklisted list.
humanfly
post Aug 12 2009, 04:20 PM

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QUOTE(gstrapinuse @ Aug 12 2009, 05:12 PM)
Once u've blacklisted by Bank Negara, eventhough u settle ur loan and no more owing banks, ur name wont be clear so fast.It is still under blacklisted list.
*
u have to wait at least 12 months for your name to be cleared from CCRIS

btrnart1
post Aug 12 2009, 04:34 PM

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if you can't afford to pay back 13K, you fail. Don't bring other people down with you. Kthnxbye
dr2k3
post Aug 12 2009, 04:53 PM

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......... no sane people will lend you(stranger) money/ help you get loan...only stupid people do that......or loan shark

you have no common sense....no wonder bank reject your loan
gs20
post Aug 12 2009, 05:31 PM

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An idea sparks in your brain & you wanted to risk realize it with someone else $. it's just unfair.
artshunter
post Aug 12 2009, 09:22 PM

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QUOTE(peyot @ Jul 27 2008, 09:49 PM)
Hey U!!  If you cannot help...just shut up!!!!!!!

Added on July 27, 2008, 9:54 pm
rclxms.gif thats why u dont have a bank
*
tis "PEYOT" fellar shouldnt deserve any advise! mad.gif
People giving advise somemore wanna talk with tat kind of tone.
Guys stop tis tread.
let him find his way!
U'll die with ur "HUTANG"!!!!

kuang....kuang.... tongue.gif tongue.gif tongue.gif
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