Blacklisted but looking for loan, plz help, loaaking personal loan for blacklisted
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  Jul 15 2008, 09:42 AM, updated 18y ago
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#1
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Junior Member
6 posts Joined: Jul 2008 
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 I,m blaclisted with bank..RM 13k. currently I 'm still pay bank by monthly basis. My problem is I cannot apply for credit cards, housing loan and etc. I got no other installment with bank. Can somebody help me to get personal loan...so that I can pay bank to clean my name....Thanks....HELP!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! |
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Jul 15 2008, 09:51 AM
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#2
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Junior Member
6 posts Joined: Jul 2008
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QUOTE(yewkhuay @ Jul 15 2008, 09:46 AM) i think getting loan from friends n relative is more advisable. actually I,m looking for somebody who can help me to apply loan with bank |
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Jul 15 2008, 10:08 AM
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#3
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Junior Member
6 posts Joined: Jul 2008
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QUOTE(tinkerbel @ Jul 15 2008, 09:54 AM) @peyot, It take 4 years to settle....currently my salary is good enough but somehow ... cannot pay 13k onthe spot la... I doubt that is going to be possible since U oredi been blacklisted. Also, since Ur clearing off ur debt on a month to month basis, it shouldn't take too long before Ur done with what U owe to the bank. After which, U just need to wait a couple of months (up to 12 months) before the banks will look into ur record again  Y would U need a home loan/CC facilities/ car loan from the bank? Even if U do decide to buy something now; U might not have sufficient funds to pay for it. 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 QUOTE(b00n @ Jul 15 2008, 10:06 AM) What is black list? 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 yearsWhy is there still resides a myth of black list? The bank just doesn't lend out based on one's credit conduct. Similar as human behaviour. So would any sane person lend to someone which he/she knows doesn't pay?! Always ask yourself this....would you even lend to yourself based on unbiased perception. Take for example, I owe the bank RM13k and had trouble paying that RM13k, so I come to you. You knew that I had trouble paying that RM13k, would you lend me money?!... This post has been edited by peyot: Jul 15 2008, 10:17 AM |
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Jul 15 2008, 10:44 AM
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#4
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Junior Member
6 posts Joined: Jul 2008
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QUOTE(aeiou228 @ Jul 15 2008, 10:27 AM) I think u can try these: thnaks for yur advise..1) Search BNM site, i came across some credit rehabilitation unit to help those in financial trouble. 2) Borrow RM1000 each from 13 relatives and friends. 3) Cut down spending 4) Most effective way is to increase your income by doing second job or do part time business. currently my income is good enough..i just cannot wait another few years to clean my name.. |
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Jul 15 2008, 11:43 PM
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#5
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Junior Member
6 posts Joined: Jul 2008
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QUOTE(tinkerbel @ Jul 15 2008, 10:47 AM) @peyot, halo......where can get one shot pay 13k...if can...i don't need your help or advise la.......do u understand?If ur income is good enough, Y not pay off the existing RM13k as fast as U can; U might not be able to come up with it within a month but U could alwiz pay it off within 3-6 months  Added on July 15, 2008, 11:44 pm QUOTE(tinkerbel @ Jul 15 2008, 10:47 AM) @peyot, halo......where can get one shot pay 13k...if can...i don't need your help or advise la.......do u understand?If ur income is good enough, Y not pay off the existing RM13k as fast as U can; U might not be able to come up with it within a month but U could alwiz pay it off within 3-6 months Added on July 15, 2008, 11:49 pm QUOTE(tinkerbel @ Jul 15 2008, 09:44 AM) @peyot, 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!!Do U think getting a loan from a 'loan shark' will help U clear ur debts? This post has been edited by peyot: Jul 15 2008, 11:49 PM |
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Jul 27 2008, 09:49 PM
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#6
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Junior Member
6 posts Joined: Jul 2008
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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. Hey U!! If you cannot help...just shut up!!!!!!!if ur income is ok now, u will know wat to do to clear the 13K debt. 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  If I own the bank, I'll definitely reject his application  thats why u dont have a bankThis post has been edited by peyot: Jul 27 2008, 09:54 PM |
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