mse8786 0 Report post Posted May 22, 2007 assalamualaikum...saya bekerja di sykt swasta nak mintak pendapat korang semua...bank mane yang menyediakan pinjaman peribadi yang mudah diluluskan dan rendah bunganye..harap dapat membantu yer... Quote Share this post Link to post Share on other sites
Arsene 0 Report post Posted May 22, 2007 bank rakyat Quote Share this post Link to post Share on other sites
xdsl 0 Report post Posted May 22, 2007 (edited) bank rakyat agak "sukar";boleh cuba :1. Hong Leong Bank 48hrs fast approval. bunga dia pun agak sedap. 1% per month = 12% per annual.2. RHB pun 1% pm; 12%pa...tp RHB ada cut % utk yg lama. so, murah skit lar.tambahan3. standard chartered. - berdasarkan Base Lending Rate. (BLR). leh pinjam sampai 150KBLR is currently at 6.75% p.a. Standard Chartered shall be entitled to vary the BLR and the margin at its sole and absolute discretion. Edited May 22, 2007 by xdsl Quote Share this post Link to post Share on other sites
dragon 0 Report post Posted May 22, 2007 ada guna penjamin x???yg mintak penjamin ni la yg leceh sket nih.. Quote Share this post Link to post Share on other sites
magnetto 0 Report post Posted May 22, 2007 Aku pun dah banyak menceburi bidang personal loan niTambahan dari yang atas:1. OCBC - 0.7% Interest Per Month, gaji min RM 2000, 5x Gaji, 7 tahun bayar, nak EPF statement,IC,slip gaji, utilities bill, buku akaun gaji, process 2-5 hari2. Al-Rajhi bank - 8.5% Per Year, gaji min RM 2000, 5x Gaji, 5 tahun bayar, bank statement, IC,slip gaji, utilities bil, process 2 minggu Quote Share this post Link to post Share on other sites
dragon 0 Report post Posted May 23, 2007 gajik sume nk besar2..ako yg gajik ciput nih susah ler... Quote Share this post Link to post Share on other sites
syed_rez 0 Report post Posted May 23, 2007 bank rakyat agak "sukar";boleh cuba :1. Hong Leong Bank 48hrs fast approval. bunga dia pun agak sedap. 1% per month = 12% per annual.2. RHB pun 1% pm; 12%pa...tp RHB ada cut % utk yg lama. so, murah skit lar.tambahan3. standard chartered. - berdasarkan Base Lending Rate. (BLR). leh pinjam sampai 150KBLR is currently at 6.75% p.a. Standard Chartered shall be entitled to vary the BLR and the margin at its sole and absolute discretion.KALAU NAK BUAT PERSONAL LOAN NI PENJAMIN TU MESTI YANG ADA PERTALIAN PERSAUDARAAN KE? KALAU AKU GUNA SEPUPU BOLEH GAK KE? Quote Share this post Link to post Share on other sites
magnetto 0 Report post Posted May 23, 2007 better cari yang Islam la sebab berkat sikit.Banyak option sekarangAl-rajhi adaBank Islam adaBank Rakyat pun Islam gakOCBC-i pun dah ada dah Hong Leong pun dah adaTentang penjamin, tak perlu ada pertalian as long as kalau ko keje gomen, kena ada penjamin yang kerja tetap dan kerja dan bertahun.Yang gaji ciput tengok gak baper gaji ko dan ko keje gomen ke private. Quote Share this post Link to post Share on other sites
soopee 0 Report post Posted May 25, 2007 bank Islam la....sekarang elok 5.7% je... Quote Share this post Link to post Share on other sites
zippo 0 Report post Posted May 26, 2007 member aku pun ada buat dengan bank islam katanya, pinjam mengjankau rm 27k, bayar rm 2++ per month selama 8 tahun, itu mengikut member aku la, tak tau betul ker tak...... Quote Share this post Link to post Share on other sites
seepot 0 Report post Posted May 26, 2007 CIMB kan ade cash xpress Quote Share this post Link to post Share on other sites
sopi 0 Report post Posted May 26, 2007 tak payah la pinjam2 kat bank konvensional niriba .. kalau ko boleh bayar bulan2 tanpa kene bunga tak apa lagi Quote Share this post Link to post Share on other sites
imiazi 1 Report post Posted May 26, 2007 tak payah la pinjam2 kat bank konvensional niriba .. kalau ko boleh bayar bulan2 tanpa kene bunga tak apa lagiahaha, ne ada bank yg x dikenakan bunge.. ptptn pun ada bunge.. nk pinjam xda bunga, pinjam kat sedara mara.. kita ssah nk elakkan hutang now, nk xnk, kene berhutang jgak.. hutang nie mmg salah satu drp tanda2 akhir zaman.. Quote Share this post Link to post Share on other sites
spoket 0 Report post Posted May 26, 2007 ahaha, ne ada bank yg x dikenakan bunge.. ptptn pun ada bunge.. nk pinjam xda bunga, pinjam kat sedara mara.. kita ssah nk elakkan hutang now, nk xnk, kene berhutang jgak.. hutang nie mmg salah satu drp tanda2 akhir zaman..gali lobang tutups lobang Quote Share this post Link to post Share on other sites
mogly 0 Report post Posted May 27, 2007 Aku pun dah banyak menceburi bidang personal loan niTambahan dari yang atas:1. OCBC - 0.7% Interest Per Month, gaji min RM 2000, 5x Gaji, 7 tahun bayar, nak EPF statement,IC,slip gaji, utilities bill, buku akaun gaji, process 2-5 hari2. Al-Rajhi bank - 8.5% Per Year, gaji min RM 2000, 5x Gaji, 5 tahun bayar, bank statement, IC,slip gaji, utilities bil, process 2 minggual-rajhi bank- xpayah EPF statement ke?........Brape Interest CIMB? Quote Share this post Link to post Share on other sites
mse8786 0 Report post Posted May 27, 2007 kalau gaji yg ciput2 xde ke bank nak kaci pinjam???bank rakyat agak "sukar";boleh cuba :1. Hong Leong Bank 48hrs fast approval. bunga dia pun agak sedap. 1% per month = 12% per annual.2. RHB pun 1% pm; 12%pa...tp RHB ada cut % utk yg lama. so, murah skit lar.tambahan3. standard chartered. - berdasarkan Base Lending Rate. (BLR). leh pinjam sampai 150KBLR is currently at 6.75% p.a. Standard Chartered shall be entitled to vary the BLR and the margin at its sole and absolute discretion.ape syarat2 nye ekk???leh bagi tau tak?? Quote Share this post Link to post Share on other sites
OneThreeFive 0 Report post Posted May 27, 2007 aku de mmbr keje standard charteredblh ar ko try deal dgn dia..PM aku no ko.. amcm? Quote Share this post Link to post Share on other sites
adyza 1 Report post Posted May 27, 2007 aku de mmbr keje standard charteredblh ar ko try deal dgn dia..PM aku no ko.. amcm?berapa interest?nak kena pakai penjamin tak?kenkawan..biasanya bank akan letak berapa kelayakkan kite bole pinjam base on gaji kan?tp.. lps tu dia akan tgk jugak kite punye hutang kan? walaupun layak tp byk tanggungan ade kemungkinan tak loan kite tu takkan diluluskan?contoh gaji aku 1,500. aku layak pinjam 15,000.aku ade hutang: kereta - 800 personal loan - 300 kad kredit - dia kire mcm mana ni? kwsp & potongan sampingan - 300kalo takde masalah, brapa lama bole approve?thankz! Quote Share this post Link to post Share on other sites
naga9 0 Report post Posted May 27, 2007 biasanya bank akan letak berapa kelayakkan kite bole pinjam base on gaji kan?jumlah POTONGAN tidak melebihi 60% gaji... contoh lagaji rm 1500hutang kereta 300hutang sedia ada 500so jumlah hutang- 800 sebulan800 bahagi 1500 X dgn 100 potongan = 53.3%so masih layak pinjam ialah 60-53.3= 6.7% dari gaji= 100.5ko tengok kat jadual bayar balik, jumlah maksima potongan ialah rm100.5 sebulanaku agak2 masih boleh pinjam dalam 5-7 ribu ( 10 tahun )tapi sakit lah...dapat gaji selepas tuh cuma rm 600kwsp dan lain2 potongan juga di kira dalam JUMLAH potongan Quote Share this post Link to post Share on other sites
microjb 0 Report post Posted May 27, 2007 klu business sendiri macam mana plak ekk.bleh ke buat personal loan?pas tu..dia nak kira kita bleh loan berapa banyak macam mana plak tu. Quote Share this post Link to post Share on other sites
naga9 0 Report post Posted May 27, 2007 apa plak tak bolehkan ada INTREST....BANK-bank mana yg tak suka interest?kalau bisnes buat kertas kerja...dia akan nengok kertas kerja dan modal bisnes yg sedia adatp ada jugak yang nengok berapa banyak ko nak RASUAH ...hehehe Quote Share this post Link to post Share on other sites
darkForce 0 Report post Posted May 28, 2007 susah jgk ek...klo mcm aku neh skg....klo gaji aku 1200.....poersonal loan max aku bleh wat brape??skang ni xde huatang ape2...sumer dah settle.. 2 rasa nk hutang balik ni... Quote Share this post Link to post Share on other sites
naga9 0 Report post Posted May 28, 2007 apa kata hang pi bank sendiri?baru lah CLEAR sikitbiasanya 10 kali gaji atau 15 kali gaji kasardan jumlah potongan termasuk potongan pinjaman yang nak di buat, tidak melebihi 60% dari jumlah gaji kasar Quote Share this post Link to post Share on other sites
anum82 0 Report post Posted May 28, 2007 assalamualaikum...saya bekerja di sykt swasta nak mintak pendapat korang semua...bank mane yang menyediakan pinjaman peribadi yang mudah diluluskan dan rendah bunganye..harap dapat membantu yer...w'slm.. cuba try cimb@southern bank. senang gak nak approve tp interest tinggi.. min gaji rm800.kalau pinjaman max rm5000, tak payah penjamin.. tapi kalu lebih mesti ada penjamin.bsn pun ada gak buat personal loan..sy pun buat kat cimb@southern bank. rm5000. tapi bln2 rm181. 5thn bayaran balik. mmg cekik darah.tapi tu jer bank yg agak senang nak approve. bayangkan klu 5th, boley cecah rm10k.. double!!tapi klu nak buka biz, baik g kursus kat mara atau pnb then buat loan kat diaorang. mara kasi pinjaman rm10k. pnb kena ada 10% - 20% modal baru leh buat pinjaman.bank2 lain yg ada personal loan:standard chartedrahji bankbsncimbrhballiance bnkhsbcbank islambank rakyatyg lain2 tu tak ingat ler.. Quote Share this post Link to post Share on other sites
mse8786 0 Report post Posted May 29, 2007 w'slm.. cuba try cimb@southern bank. senang gak nak approve tp interest tinggi.. min gaji rm800.kalau pinjaman max rm5000, tak payah penjamin.. tapi kalu lebih mesti ada penjamin.bsn pun ada gak buat personal loan..sy pun buat kat cimb@southern bank. rm5000. tapi bln2 rm181. 5thn bayaran balik. mmg cekik darah.tapi tu jer bank yg agak senang nak approve. bayangkan klu 5th, boley cecah rm10k.. double!!tapi klu nak buka biz, baik g kursus kat mara atau pnb then buat loan kat diaorang. mara kasi pinjaman rm10k. pnb kena ada 10% - 20% modal baru leh buat pinjaman.bank2 lain yg ada personal loan:standard chartedrahji bankbsncimbrhballiance bnkhsbcbank islambank rakyatyg lain2 tu tak ingat ler..o yeke...lama tak dia nk approve?ok lah jadi kene gi kat bank tu lahh mudah sket kan..ok thanks....entah lulus ke tak laa kla apply ni..huhu Quote Share this post Link to post Share on other sites
