Its terrible to know that dis type of crime still persist. Hope she is ok.

Pls update us k

She was found at Bdr Sri Permaisuri. She's ok

u guys really terror la.. can online most of the time?

anyway.. i think i have the best offer from RHB so far..

-2.2 ZEC and MRTA.. but im planning to take shorter term of MRTA.. she said it wont affect my -2.2
erm.. there's 2 package.. one is with withdrawal function.. charge of setup fee 200 and then minimum 5k per transaction and RM50 processing fee..
another is can withdrawal of minimum 1k per transaction and setup fee of RM200 as well..
can't really remember the details..
she was late tho and keep apologising.. and so i said to her to fight more for me.. she said she will ask for me to see if can get more than -2.2 ..
and she said this package is specially for The Zest project.. -2.2 or -2.1 with and w/o MRTA respectively..

pbb just got back to me and said they are only willing to offer me 40% loan coz my profile in CCRIS is too clean and i'm too young!

unless i can find somebody (which has to be older and working - parents are out of the q already) to apply for a joint loan, best they can give is 40%. if i can afford to pay 60% d/p, i wouldnt wanna put all my eggs in the same basket oso...better save the rest of the bullets to invest elsewhere instead rite? when i asked them what was their definition and cut off point for 'young', they said all those btwn 20-30 years old will obtain the same score in CCRIS...is this true?

sigh...am presently debt free, have no commitments with sufficient cash flow also kena indirectly rejected...feelin abit the tulan here! just hope will receive some good news from RHB n EON, else i'll have no choice but to forgo my unit already!!!

This post has been edited by babana: Mar 19 2009, 11:51 AM

Ar u mean they will only give u a margin of financing up to 40%?

---

Added on March 19, 2009, 12:04 pmWhat abt the possibility of having a guarantor for the loan in order to have a 90% margin of financing?

This post has been edited by Hengjones: Mar 19 2009, 12:04 PM

huh ?
that's weird..
i tot the less risk u got.. the more they will loan you?
cuz u back records are clean.. maybe u do not have any loans.. like car loans and CC debts/repayment.. so they duno ur background..

cuz as far as i know.. if u have good loan repayment for ur car loans.. ur credit cards.. no CCRIS CTOS etc etc.. u will have better change to get approve.. and also can demand for better offer..

yep, 40% MOF. dint ask abt guarantor but have no ppl in mind right now too who's qualified enough and willing to be my guarantor...lol

that's what i thought too! nope, i currently do not have any loans but i guess dats not the main factor for them to approve 90% MOF rite? things like my salary, amt of FD, yrs of work, etc should hold count as well.
pbb r also offerin my sis 40% MOF only although she's older then me, holds a few cc and is a prompt paymaster every mth

This post has been edited by babana: Mar 19 2009, 12:20 PM

maybe u got the wrong banker? haha..

I think u just need to apply to other banks. If other banks can give u 90% MOF then i dun think the problem is ur profile.

Bro, your rate not as good as some with the group leh....ours some got BLR-2.2 W/O MRTA ZEC (those with good profile) and some BLR-2.15 W/O MRTA ZEC. Those with more than 1 unit, rates even better. Hehe..I'm actually dealing and have negotiated with the one who fixes the rates in RHB, the head of consumer banking in Malaysia, so the rates should be the best kua...

---

Added on March 19, 2009, 12:43 pmBro, ask your sis to be your guarantor and you be hers....kautim...95% margin...



This post has been edited by propcritic: Mar 19 2009, 12:43 PM

Yea...perhaps u can ask any of your immediate family members for a joint name Loan Application. Chances are better. Hmm...clean case also get 40% only..strange strange...

banana too young??

you have credit card or not?.. if u have definately u have a good track record if you are holding it quite long..

if they xtion, don't need to apply via them.. since they dun wanna do business..

yr sis also too young or too old?

---

Added on March 19, 2009, 1:24 pmI never know there are 2 different withdrawal facilities?.. min5k but need rm50 processing fee? that's ridiculous..

This post has been edited by gunnerstkd: Mar 19 2009, 01:24 PM

Babana is actually Form 5 and his sis Upper Six.....too young meh... They both booked the Zest during school holidays....

isn't mine -2.2 same with ur group?
just that i want to get MRTA with my loans.. and it's ZEC too..

Bro, try removing your MRTA....surely your rates would not be as attractive...our rates are generally W/O MRTA, with MRTA rates would be better...!

yea.. she mention to me with MRTA and without MRTA also -2.2 for me..
but i want MRTA...
and she mention for this project rhb already set at -2.2..
and that's y i was asking her to try to get more for me.. like a special case..

U sure it is BLR-2.2 for non-MRTA??.. she only says BLR-2.1 .. and 2.2 must be with MRTA, even so, it could be blr-2.15

I think unlikely leh...got letter of offer? I negotiated with the one who fixes the rate on behalf of a group....unless she's RHB's Chairman's daughter... Just make sure the officer did not over promised...

my sis hold a few credit cards (w/o any outstanding balance) for several yrs already and has no outstanding loans but was offered 40% MOF too! she's also below 30, n technically its still 'too young' for them

yea, am actually applying to pbb as my 3rd fallback plan oni if rhb and eon also fails to approve my loan for some reason. since they're so chuen, i wasn't really inclined to ask them further on what options/procedures i should take to obtain a 90% MOF with them. reckon other banks shud be able to offer me higher MOF with better rates too!

LOL! aiyor prop...now that u've disclosed my identity, everyone will know how old i am already!

Eh you're not the youngest la....some of us here taking PMR this year.....*gosh have to go tuition somemore tonight at Kasturi*...