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smoochmuah
newbie
 
Age : 25
Joined : 17 Oct 2008
Posts : 16
Location : Klang, Selangor
 |  Subject: Personal Loans?  2008-10-17, 10:35 pm | |
| Time zaman tgh susah2 ni, mmg rmai yg carik sumber utk dptkn personal loan. Mcm saye keje d syarikat swasta, susah sgt nk dpt personal loan.  Kalo dpt pun, bank kasi ciput sgt sdgkn kite mmg layak utk byr bulanan lebih.. Wlaupun saye keje d bank, x semestinyer sng utk buat loan. Mmg saye akui, bank skarang lbih strict dlm mengapprovekan loan customer.. Tp mcm kes saye ni, siap dh kire sndri mmg kite bleh byr bulan2 tp bank still xmo kasi ape yg customer perlu.. hurm.. ape yg korg akan buat ek? |
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Che ab
Admin
Joined : 03 May 2008
Posts : 367
| | Subject: Re: Personal Loans? 2008-10-17, 10:44 pm | |
| Dengar citer, bank2x tempatan agak strict dalam pemberian loan especially untuk bumiputra..agaknya pasal ekonomi orang kita blom setaraf ngan bangsa 2x lain kot.  |
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smoochmuah
newbie
Age : 25
Joined : 17 Oct 2008
Posts : 16
Location : Klang, Selangor
| | Subject: Re: Personal Loans? 2008-10-17, 10:50 pm | |
| | Tapi bagi saye, mane2 bangsa yg btol2 ble provide financial income yg kukuh spatutnyer xde masalah.. cuma kite prasan yg ca ya nun alip, pndai rolling money. so dats y diorg lbih sng dpt loan.. |
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Che ab
Admin
Joined : 03 May 2008
Posts : 367
| | Subject: Re: Personal Loans? 2008-10-17, 10:54 pm | |
| yepp..betul tu, pasal diorang boleh yakinkan yg derang mampu nk bayar loan dengan statement bank diorang yg selalunya lebih banyak dr jumlah pinjaman tu sendiri...
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smoochmuah
newbie
Age : 25
Joined : 17 Oct 2008
Posts : 16
Location : Klang, Selangor
| | Subject: Re: Personal Loans? 2008-10-17, 11:15 pm | |
| betol... betol..
tau x bank mane yg bole approve personal loan senang sket?  |
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Che ab
Admin
Joined : 03 May 2008
Posts : 367
| | Subject: Re: Personal Loans? 2008-10-17, 11:23 pm | |
| | smoochmuah wrote: | betol... betol..
tau x bank mane yg bole approve personal loan senang sket? |
herm..yang tu x sure sbb saya x pernah apply. Saya baru je dapat business loan dr mara utk set up business tapi proses nya amatlah menguji kesabaran.  |
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smoochmuah
newbie
Age : 25
Joined : 17 Oct 2008
Posts : 16
Location : Klang, Selangor
| | Subject: Re: Personal Loans? 2008-10-18, 12:02 am | |
| | untuk business loan dr mara, perlu akaun yang aktif n yg apply loan tu msti xde kerja tetap kn? betol ke x ntah.. |
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syanaz
Enterpreneur
 
Age : 30
Joined : 05 May 2008
Posts : 933
Location : kristal.buyblog.biz
| | Subject: Re: Personal Loans? 2008-10-18, 5:26 am | |
| | Betulla smooch...ini pengalaman hubby, sblm nie dia apply loan kete la.then bank interview die..kira ok sumelah...akhirnya loan tu approved jugak tapi dia bagi jumlah kurang sket dari asal coz tak der track record about loan lain atas name hubby so org bank tak caya dengan umo suami saya nama clean sangat di sisco atau ada satu lagi company yg simpan rekod2 loan or blacklist kita tu...tu yg hubby kata, apa la org bank ni, clean sgt pun tak caya, blacklist pun leceh...sudahnya balance RM10,000 yang kurang kami terpaksa top up bayar duit kete yg balance tu.. |
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Che ab
Admin
Joined : 03 May 2008
Posts : 367
| | Subject: Re: Personal Loans? 2008-10-18, 11:34 am | |
| | smoochmuah wrote: | | untuk business loan dr mara, perlu akaun yang aktif n yg apply loan tu msti xde kerja tetap kn? betol ke x ntah.. |
Untuk business loan mara, kena berniaga sekurang-kurangnya 6 bulan n ada premis sendiri. Pastu kena sediakan Rancangan Perniagaan(paperwork).. |
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smoochmuah
newbie
Age : 25
Joined : 17 Oct 2008
Posts : 16
Location : Klang, Selangor
| | Subject: Re: Personal Loans? 2008-10-19, 11:12 pm | |
| | syanaz wrote: | | Betulla smooch...ini pengalaman hubby, sblm nie dia apply loan kete la.then bank interview die..kira ok sumelah...akhirnya loan tu approved jugak tapi dia bagi jumlah kurang sket dari asal coz tak der track record about loan lain atas name hubby so org bank tak caya dengan umo suami saya nama clean sangat di sisco atau ada satu lagi company yg simpan rekod2 loan or blacklist kita tu...tu yg hubby kata, apa la org bank ni, clean sgt pun tak caya, blacklist pun leceh...sudahnya balance RM10,000 yang kurang kami terpaksa top up bayar duit kete yg balance tu.. |
banyaknyer rm10K kene topup?! kite patut kene komplen kt bank negara lar.. mmg clean sgt pun pyh, blacklist lg la di tolaknyer mentah2. kalo x pun, lps dh setel pymt sume, kene tggu sethn baru ble try apply loan balek.. |
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syanaz
Enterpreneur
Age : 30
Joined : 05 May 2008
Posts : 933
Location : kristal.buyblog.biz
| | Subject: Re: Personal Loans? 2008-10-21, 3:23 pm | |
| | OOO..boleh complain ya..nanti sya ckp dgn hubby..walaupun dah lepas perkara ni tapi terkilan juga coz duit yang top up tu leh guna utk pelaburan lain..tq |
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papamia
ahli VIP
 
Age : 43
Joined : 16 Aug 2008
Posts : 851
| | Subject: Re: Personal Loans? 2008-10-21, 9:59 pm | |
| ni experince sy...
pinjam mara utk biznes ok... tp tinggi sgt... 8% kalo x d ubah...
but mara very flexible....
kalo cm kes somi syanaz...
10k amount yg agak tinggi...
but sblum tu... brape downpayment utk kete tu...
10k sbenarnya boleh deal ngan saleman tu... just mark up tinggi sikit...
make it as a downpayment...
tp kalo mmg dh ade duit... x pelah.. kurang sikit monthly payment nyer...
pasal cina senang dpt loan... mmg benar...
dia org cukup brani... ade resepinye.. cm ne nk senang dpt loan...
tp kalo mmg dh ade blacklist... mmg susah lah....
dia org ni mmg kalo boleh elakkan dari blacklist...
mmg ade resepi...
nanti lah sy cite... :) |
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smoochmuah
newbie
Age : 25
Joined : 17 Oct 2008
Posts : 16
Location : Klang, Selangor
| | Subject: Re: Personal Loans? 2008-10-23, 6:55 pm | |
| | cite kan la papamia.. |
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sally_eiyna
ahli VIP
Age : 26
Joined : 17 Sep 2008
Posts : 1216
Location : Sintok, Kedah
| | Subject: Re: Personal Loans? 2008-10-26, 11:47 am | |
| | smoochmuah wrote: | betol... betol..
tau x bank mane yg bole approve personal loan senang sket? |
BANK RAKYAT!!!!! SEMINGGU JER SIAP POSES..
tuk k/tgn awam senang jer..xpyh gune gurentor  |
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smoochmuah
newbie
Age : 25
Joined : 17 Oct 2008
Posts : 16
Location : Klang, Selangor
| | Subject: Re: Personal Loans? 2008-10-28, 10:08 pm | |
| keje gomen sng r dpt loan..
keje swasta susah bangat..! |
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sally_eiyna
ahli VIP
Age : 26
Joined : 17 Sep 2008
Posts : 1216
Location : Sintok, Kedah
| | Subject: Re: Personal Loans? 2008-10-29, 4:23 pm | |
| | smoochmuah wrote: | keje gomen sng r dpt loan..
keje swasta susah bangat..! |
OOOOO btui gk nooh!!  keje gomen senang ckit..
ala cori ler cik smoohmuah!!! ina ingtkan cik smoochmuah ni keje gomen serupa dgn ina...  kalu kata keje swasta....ssh kit ler..
ape kata cik smoochmuah try bank nasional ker, cimb bank ker. bank islam ker.. |
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smoochmuah
newbie
Age : 25
Joined : 17 Oct 2008
Posts : 16
Location : Klang, Selangor
| | Subject: Re: Personal Loans? 2008-10-30, 10:20 pm | |
| BSN nak gaji min 3K - kalo 3K, pangkat besau2 je la yg bleh apply..
Xmembantu langsung BSN nih..
CIMB 5 kali gaji je yg dia bagi.. - cikit sgt. xberbaloi kene interest lagik..
Bank Islam plak sgt strict smpai total expenditure kite xble lebey 60% trmasuk loan umah.. - skang standard kalo sape ade kredit kad, loan umah n loan kete for sure dh lebih 60% punyer.. hmm.. |
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sally_eiyna
ahli VIP
Age : 26
Joined : 17 Sep 2008
Posts : 1216
Location : Sintok, Kedah
| | Subject: Re: Personal Loans? 2008-11-02, 11:21 am | |
| alahai........ciannya akak ni..
ape kata pinjam kt ALONG!!!! 
JGN MARE YER..GURAU JER... |
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papamia
ahli VIP
Age : 43
Joined : 16 Aug 2008
Posts : 851
| | Subject: Re: Personal Loans? 2008-11-04, 11:08 pm | |
| gi lah join... mane2 koperasi...
cth.. koperasi muslim bhd..
yg penting... ajak kekawan lain masuk sama...
then biasanya koperasi akan wat surat utk majikan setuju wat potongan gaji...
wat permohonan ramai2.. britau majikan faedah2 jika kita jd member koperasi tu... baru majikan stuju...
kalo sorang2... mmg biasanya majikan wat x tau jer...
cuba lah... |
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papamia
ahli VIP
Age : 43
Joined : 16 Aug 2008
Posts : 851
| | Subject: Re: Personal Loans? 2008-11-04, 11:41 pm | |
| | smoochmuah wrote: | | cite kan la papamia.. |
pasal cina senang dpt loan... mmg benar...
dia org cukup brani... ade resepinye.. cm ne nk senang dpt loan...
tp kalo mmg dh ade blacklist... mmg susah lah....
dia org ni mmg kalo boleh elakkan dari blacklist...
mmg ade resepi...
ok.. biasanya bank statement mmg dia org jaga btul...
transaction mmg kena ade... aktif...
dlm statement... kluar masuk perlu.. walau duit cm tu jer...
tak menambah....
cm sy britau... elakkan dr blacklist....
bila wat satu pinjaman... tetiba jatuh.. x dpt nk bayar...
jgn biarkan smpai trus terduduk...
wat pinjaman smula... paperwork kena baik....
dlm paperwork kena ade catatan nk langsaikan loan asal...
kalo pinjaman kete... jgn smpai tertunggak 4 bulan...
akn ade KIV kat database... so susah nk wat loan....
kalo kena masuk mahkamah.. cuba tangguhkan 3 bln... 3bln dan sterusnya..
sehingga kita dapat wat loan baru.... n langsaikan yg lain... |
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sally_eiyna
ahli VIP
Age : 26
Joined : 17 Sep 2008
Posts : 1216
Location : Sintok, Kedah
| | Subject: Re: Personal Loans? 2008-11-11, 9:09 am | |
| | papamia wrote: | | smoochmuah wrote: | | cite kan la papamia.. |
pasal cina senang dpt loan... mmg benar...
dia org cukup brani... ade resepinye.. cm ne nk senang dpt loan...
tp kalo mmg dh ade blacklist... mmg susah lah....
dia org ni mmg kalo boleh elakkan dari blacklist...
mmg ade resepi...
ok.. biasanya bank statement mmg dia org jaga btul...
transaction mmg kena ade... aktif...
dlm statement... kluar masuk perlu.. walau duit cm tu jer...
tak menambah....
cm sy britau... elakkan dr blacklist....
bila wat satu pinjaman... tetiba jatuh.. x dpt nk bayar...
jgn biarkan smpai trus terduduk...
wat pinjaman smula... paperwork kena baik....
dlm paperwork kena ade catatan nk langsaikan loan asal...
kalo pinjaman kete... jgn smpai tertunggak 4 bulan...
akn ade KIV kat database... so susah nk wat loan....
kalo kena masuk mahkamah.. cuba tangguhkan 3 bln... 3bln dan sterusnya..
sehingga kita dapat wat loan baru.... n langsaikan yg lain... |
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ZulBM
ahli familiar
Age : 43
Joined : 06 Sep 2008
Posts : 65
Location : Putrajaya
| | Subject: Re: Personal Loans? 2008-11-13, 8:01 pm | |
| | smoochmuah wrote: | BSN nak gaji min 3K - kalo 3K, pangkat besau2 je la yg bleh apply..
Xmembantu langsung BSN nih..
CIMB 5 kali gaji je yg dia bagi.. - cikit sgt. xberbaloi kene interest lagik..
Bank Islam plak sgt strict smpai total expenditure kite xble lebey 60% trmasuk loan umah.. - skang standard kalo sape ade kredit kad, loan umah n loan kete for sure dh lebih 60% punyer.. hmm.. |
Cuba check dgn Bank Rakyat.....kalau keje gomen atau sykt besar, mudah sikitlah.
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http://www.asasteguh.com
http://www.e-nss.biz/forum/viewtopic.php?f=38&t=149 |
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cikfen
Enterpreneur
 
Age : 32
Joined : 04 Jun 2008
Posts : 114
Location : Shah Alam-Banting-Kajang
| | Subject: Re: Personal Loans? 2008-11-18, 3:34 pm | |
| | Bank Al-Rajhi menawarkan pakej menarik, jom serbu sana skang. |
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ZulBM
ahli familiar
Age : 43
Joined : 06 Sep 2008
Posts : 65
Location : Putrajaya
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ms pasola
newbie
 
Age : 28
Joined : 08 Jul 2008
Posts : 5
Location : d cni ^_^
| | Subject: Re: Personal Loans? 2008-11-21, 11:33 am | |
| kalu yg kj gomen mmg sng nk wat personal loan ato ape2 loan lahh..peratusan utk lulus mmg 80-20 persengg..
tp bile da sng wat loan ni ssh gakk..errr psl ape?xpela bia rahsie...hehee.. |
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ZulBM
ahli familiar
Age : 43
Joined : 06 Sep 2008
Posts : 65
Location : Putrajaya
| | Subject: Re: Personal Loans? 2008-11-27, 11:18 pm | |
| | ms pasola wrote: | kalu yg kj gomen mmg sng nk wat personal loan ato ape2 loan lahh..peratusan utk lulus mmg 80-20 persengg..
tp bile da sng wat loan ni ssh gakk..errr psl ape?xpela bia rahsie...hehee.. |
Takkan nak rahsia kot ms pasola? Biar saya teka......
sbb senang lulus senanglah buat hutang maka byklah hutangnya....betul tak?
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