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Other Investments => Personal Finance => Topic started by: KENTAGOH on March 18, 2012, 11:29:47 PM

Title: Where can get personal loan or anything .....?
Post by: KENTAGOH on March 18, 2012, 11:29:47 PM
Erm... I want to get personal loan or any loan that interest at very low....

Which loan can introduce me...

0.1%- 3.8% interest is better.... Have any loan can get base on this interest...

Introduce please.

Thanks
Title: Re: Where can get personal loan or anything .....?
Post by: alfredfx on March 18, 2012, 11:31:28 PM
bank islam
Title: Re: Where can get personal loan or anything .....?
Post by: ikan besar on March 18, 2012, 11:36:24 PM
bank islam

bank pagi
Title: Re: Where can get personal loan or anything .....?
Post by: HannibalLecter on March 18, 2012, 11:38:26 PM
Dude, if you wanna get personal loan for share then it is totally not advisable lah.
Title: Re: Where can get personal loan or anything .....?
Post by: KENTAGOH on March 18, 2012, 11:40:19 PM
bank pagi

you joking or serious???
Title: Re: Where can get personal loan or anything .....?
Post by: KENTAGOH on March 18, 2012, 11:40:41 PM
bank islam

I am chinese... can get loan from bank islam?
Title: Re: Where can get personal loan or anything .....?
Post by: berid on March 18, 2012, 11:41:32 PM
Erm... I want to get personal loan or any loan that interest at very low....

Which loan can introduce me...

0.1%- 3.8% interest is better.... Have any loan can get base on this interest...

Introduce please.

Thanks

ur preferred interest is monthly right?

if yearly, i dont think have in malaysia..
if u insist, i lend u my money.. 3.8% interest per year if u borrow >100%.. :P :D
Title: Re: Where can get personal loan or anything .....?
Post by: lamkaluz on March 18, 2012, 11:43:24 PM
MBSB = 3.99 %
BANIK ISLAM =3.25%
Bank rakyat =3.25%
Title: Re: Where can get personal loan or anything .....?
Post by: Ļaughing Ģor on March 18, 2012, 11:44:34 PM
I am chinese... can get loan from bank islam?

Bank Islam dun lend money to Chinese meh?
Title: Re: Where can get personal loan or anything .....?
Post by: lamkaluz on March 18, 2012, 11:47:02 PM
Bank Islam dun lend money to Chinese meh?

1malaysia meh boleh pinjam  :D :D :D
Title: Re: Where can get personal loan or anything .....?
Post by: KENTAGOH on March 18, 2012, 11:47:17 PM
Dude, if you wanna get personal loan for share then it is totally not advisable lah.

.... I think like this... don't know can work or not...

Let say I borrow $80,000 from bank with the interest 4% per annual.

and I use $80,000 to buy some bluechips counter with dividend have 10%...

So i can cover my loan interest can make some money...?

What do you all think... have any advise to me.?
Title: Re: Where can get personal loan or anything .....?
Post by: KENTAGOH on March 18, 2012, 11:48:21 PM
Bank Islam dun lend money to Chinese meh?

can ? with the lower interest rate?
Title: Re: Where can get personal loan or anything .....?
Post by: KENTAGOH on March 18, 2012, 11:48:49 PM
ur preferred interest is monthly right?

if yearly, i dont think have in malaysia..
if u insist, i lend u my money.. 3.8% interest per year if u borrow >100%.. :P :D

are you serious???? :P :P :P
Title: Re: Where can get personal loan or anything .....?
Post by: Kinz NG on March 18, 2012, 11:50:28 PM
u use what to get loan leh , if u want to loan more , u need something for exchange rite
Title: Re: Where can get personal loan or anything .....?
Post by: KENTAGOH on March 18, 2012, 11:52:33 PM
u use what to get loan leh , if u want to loan more , u need something for exchange rite

you mean collateral?
Title: Re: Where can get personal loan or anything .....?
Post by: U.K. on March 18, 2012, 11:53:18 PM
Bank Rakyat - the lowest rate is 3.25%
is that true?

http://www.bankrakyat.com.my/web/guest/120
Title: Re: Where can get personal loan or anything .....?
Post by: berid on March 18, 2012, 11:58:33 PM
you wont get what bank stated in their offer...

do you know the trick?

u must loan big, pay in 1yr.. can u do that?
do you qualified to loan more than 120k? can u pay in 1yr?

for normal people, cannot get lor below 4%.. even bank rakyat also..
for private sector, abit high lor interest.. unless u work at PLC, GLC n etc..

usually goverment servant can get 4%~5% interest rate..

for private: 5% ~ 13%..
Title: Re: Where can get personal loan or anything .....?
Post by: KENTAGOH on March 19, 2012, 12:03:17 AM
you wont get what bank stated in their offer...

do you know the trick?

u must loan big, pay in 1yr.. can u do that?
do you qualified to loan more than 120k? can u pay in 1yr?

for normal people, cannot get lor below 4%.. even bank rakyat also..
for private sector, abit high lor interest.. unless u work at PLC, GLC n etc..

usually goverment servant can get 4%~5% interest rate..

for private: 5% ~ 13%..

so you mean I impossible to get the loan with below 4% interest ... right?
Title: Re: Where can get personal loan or anything .....?
Post by: berid on March 19, 2012, 12:05:39 AM
so you mean I impossible to get the loan with below 4% interest ... right?

yes.. since u look for loan, mean u not rich... so, will not get 4%..
Title: Re: Where can get personal loan or anything .....?
Post by: KENTAGOH on March 19, 2012, 12:08:12 AM
yes.. since u look for loan, mean u not rich... so, will not get 4%..


o... if I want to get 4%. I need any qualification to get?


.... just now you say want to borrow me  :P :P :P.... So let we deal...
Title: Re: Where can get personal loan or anything .....?
Post by: mrupai on March 19, 2012, 12:14:04 AM
Personal loan, anything below 5% / yr, is for government servant only , must have biro perkhidmatan angkasa.  :'(




Title: Re: Where can get personal loan or anything .....?
Post by: berid on March 19, 2012, 12:14:29 AM
o... if I want to get 4%. I need any qualification to get?


.... just now you say want to borrow me  :P :P :P.... So let we deal...

yes..
how much your salary? with ur salary can u borrow 100K? if u cant borrow 100K, means u not afford to pay monthly.. so dont bother to dream 4%..

can... do you afford to pay every month? if hard, every week also ok..
100k minimum with 3.8%.. 5years..
total= RM119000
tenure= 60month
monthly = RM1983

can you?  :D :D :D :D
Title: Re: Where can get personal loan or anything .....?
Post by: U.K. on March 19, 2012, 12:15:22 AM
Personal loan, anything below 5% / yr, is for government servant only , must have biro perkhidmatan angkasa.  :'(

ok..tomorrow i resign and join the govt  :thumbsup:
Title: Re: Where can get personal loan or anything .....?
Post by: KENTAGOH on March 19, 2012, 12:18:15 AM
Personal loan, anything below 5% / yr, is for government servant only , must have biro perkhidmatan angkasa.  :'(






For government servant only?... Normal people like me cannot get?>
Title: Re: Where can get personal loan or anything .....?
Post by: mrupai on March 19, 2012, 12:21:33 AM
For government servant only?... Normal people like me cannot get?>

All that cheap rates for government staffs only , it is a a sad marketing technique by banks.

I call them all already :sweat: :sweat: :sweat:


Title: Re: Where can get personal loan or anything .....?
Post by: KENTAGOH on March 19, 2012, 12:23:54 AM
yes..
how much your salary? with ur salary can u borrow 100K? if u cant borrow 100K, means u not afford to pay monthly.. so dont bother to dream 4%..

can... do you afford to pay every month? if hard, every week also ok..
100k minimum with 3.8%.. 5years..
total= RM119000
tenure= 60month
monthly = RM1983

can you?  :D :D :D :D


can I 15 years... I am so young... so you don worry I go to heaven..

100k minimum with 3.8%.. 15 years..
total= 157,000
tenure= 180
monthly = 872.23

I invest the bluechip stocks with 10-15% devidend... to cover your installment...

Just can hope the stocks price can go higher every year...
Title: Re: Where can get personal loan or anything .....?
Post by: KENTAGOH on March 19, 2012, 12:24:57 AM
ok..tomorrow i resign and join the govt  :thumbsup:

I think chinese are hard to join the govt job .. right?
Title: Re: Where can get personal loan or anything .....?
Post by: mrupai on March 19, 2012, 12:27:21 AM
ok..tomorrow i resign and join the govt  :thumbsup:

 :D :D :D
Title: Re: Where can get personal loan or anything .....?
Post by: U.K. on March 19, 2012, 12:30:33 AM
I think chinese are hard to join the govt job .. right?

^ easy, when you get the ptptn study loan, then just take the JPA offer to work for the govt
this way, the ptptn loan also can be waived as well

last time i was too ambitious ma, totally did not consider govt jobs   :(
Title: Re: Where can get personal loan or anything .....?
Post by: KENTAGOH on March 19, 2012, 12:33:43 AM
^ easy, when you get the ptptn study loan, then just take the JPA offer to work for the govt
this way, the ptptn loan also can be waived as well

last time i was too ambitious ma, totally did not consider govt jobs   :(

govt work have any bright in future???
Title: Re: Where can get personal loan or anything .....?
Post by: U.K. on March 19, 2012, 12:37:43 AM
govt work have any bright in future???

ah jib gor scared to lose elections, so the benefits for civil servants are getting ^ good!
if you can't beat them, join them lah  :'(
Title: Re: Where can get personal loan or anything .....?
Post by: prince on March 19, 2012, 12:56:37 AM
dont pinjam n invest in shares la,use your extra money la please,never earn money never mind don't be a  bankrupt please.just my concern for u my brother. 8)
Title: Re: Where can get personal loan or anything .....?
Post by: KENTAGOH on March 19, 2012, 01:19:44 AM
ah jib gor scared to lose elections, so the benefits for civil servants are getting ^ good!
if you can't beat them, join them lah  :'(

haha.. i like to do business more than work with govt  :sweat: :sweat: :sweat:
Title: Re: Where can get personal loan or anything .....?
Post by: KENTAGOH on March 19, 2012, 01:20:14 AM
dont pinjam n invest in shares la,use your extra money la please,never earn money never mind don't be a  bankrupt please.just my concern for u my brother. 8)

thanks.. ok ... :)
Title: Re: Where can get personal loan or anything .....?
Post by: U R A N U S on March 19, 2012, 01:20:37 AM
Avoid AhLong totally...

If you insist, look for me  ;)  :D

Title: Re: Where can get personal loan or anything .....?
Post by: Ace$$$Collector on March 19, 2012, 07:06:12 AM
You loan money to play shares like using credit card for purchase.
Which mean using future money for current use.

One time Market collapse all your money will burn.
Even blue chip also die.

Still young learn more from experience chap here before really go for big killing.
You will know how much money and painful they need to grap the knowledge.
No short cut to make fortune in share Market unless you got insider la.
Title: Re: Where can get personal loan or anything .....?
Post by: KENTAGOH on March 19, 2012, 10:43:51 PM
You loan money to play shares like using credit card for purchase.
Which mean using future money for current use.

One time Market collapse all your money will burn.
Even blue chip also die.

Still young learn more from experience chap here before really go for big killing.
You will know how much money and painful they need to grap the knowledge.
No short cut to make fortune in share Market unless you got insider la.

Thanks for your advise... :nod:
Title: Re: Where can get personal loan or anything .....?
Post by: Topeng Perak on March 20, 2012, 12:26:03 AM
.... I think like this... don't know can work or not...

Let say I borrow $80,000 from bank with the interest 4% per annual.

and I use $80,000 to buy some bluechips counter with dividend have 10%...

So i can cover my loan interest can make some money...?

What do you all think... have any advise to me.?
i and all my friends do this...but my advise...dont play contra... :D :D :D my friend make loan rm 70k....become super greedy and play contra up to rm100k to each stock (acctually penny stock and call-warrant)...the result after 2 months...TOTAL LOST RM 70K AND MASIH ADA HUTANG RM 2K :clap: :clap: THIS IS HIS SMS TO ME...

"Ok, sja bro,nk bgtaw, aku dh betempur smp abes pluru, dh kna tawan dgn musuh, dh jd tawanan perang, tggai spenda...hahahuhu"
"dh jd tawanan prang cam nila, dperlakukan sesoka ati d rugul....waaaahuhu"

Title: Re: Where can get personal loan or anything .....?
Post by: D3@D*Or*ALiV3 on March 20, 2012, 01:12:15 AM
Better try to tune ur capital by xtra money.... rather than hope loan fortune.....

 :thumbsup:
Title: Re: Where can get personal loan or anything .....?
Post by: richluck on March 20, 2012, 11:45:23 AM
.... I think like this... don't know can work or not...

Let say I borrow $80,000 from bank with the interest 4% per annual.

and I use $80,000 to buy some bluechips counter with dividend have 10%...

So i can cover my loan interest can make some money...?

What do you all think... have any advise to me.?

Young man, not advisable, NEVER take loan to buy shares.
Title: Re: Where can get personal loan or anything .....?
Post by: Niseko on March 20, 2012, 11:47:46 AM
Young man, not advisable, NEVER take loan to buy shares.
:thumbsup: :thumbsup: :handshake: :handshake:
Title: Re: Where can get personal loan or anything .....?
Post by: petersiow on July 11, 2012, 02:44:19 PM
hi guys...

Wan to get some advise from you all..

I wan get a personal loan, but i dont have any loan in hand rite now.. but i have a credit card which use less than 6 month.

in additional, I recently work as a free lance. but i got declare income tax last year.

is there any way to get personal loan? which bank can recommend?
Title: Re: Where can get personal loan or anything .....?
Post by: be a millionaire on July 11, 2012, 07:48:08 PM
hi guys...

Wan to get some advise from you all..

I wan get a personal loan, but i dont have any loan in hand rite now.. but i have a credit card which use less than 6 month.

in additional, I recently work as a free lance. but i got declare income tax last year.

is there any way to get personal loan? which bank can recommend?

get loan for share market? :thumbsup: :thumbsup: :thumbsup: :D :D :D :D
Title: Re: Where can get personal loan or anything .....?
Post by: neemo on July 13, 2012, 10:36:06 AM
There's an offer from CIMB for government sector, pers loan with rate @3.98% flat rate for 20 years.. And for private sector, pers loan with as low as 6.88% flat rate for 20 years.. Interested? Contact me at shf_nisa@yahoo.com
Title: Re: Where can get personal loan or anything .....?
Post by: sotong II on July 19, 2012, 05:26:43 PM
There's an offer from CIMB for government sector, pers loan with rate @3.98% flat rate for 20 years.. And for private sector, pers loan with as low as 6.88% flat rate for 20 years.. Interested? Contact me at shf_nisa@yahoo.com

i wan to loan 100k, pay you back in 3-5 years, private sector, debit free and gerenti qualify for all your requirement,
discuss with you boss, how low the interest rate you can offer !!!  6.88% is ah long rate :P :P :P :P :P :P
Title: Re: Where can get personal loan or anything .....?
Post by: montyashley on July 28, 2012, 10:46:49 AM
Why la need to get loan...try your luck here la....can you guess what is this..and if you guess it right..the prize could be yours lol...

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Well..here's some clues for you..
1. it's makes you go Wheeeee!!!
2. hello social life!
3. instant confidence booster
4. it's a super awesome prize
Need more clues?? Then check out here…good luck and remember to dial *128#

xpax.com.my/whatchuwant.php#grandprize
Title: Re: Where can get personal loan or anything .....?
Post by: dheeno on July 28, 2012, 11:03:00 AM
 
Me?... I do not go for loans... I have funds of 20k right now... On top of that Every month I put aside 1K in my trading account...I kumpul slowly and buy when price is low... I never play contra now... I play mostly profit making penny stocks like laughing gor...Up 1 cent... I sell...Price down...I just hold...

So this way...I feel safe...my 2 cents... 8) 8) 8)

Title: Re: Where can get personal loan or anything .....?
Post by: Kk123 on July 29, 2012, 04:26:40 PM
The effective interest rate is much higher
Unless u r government servant all the other banks charge more than 10 % for unsecured loans
Title: Bank insist to borrow me RM100k.
Post by: watwat on October 05, 2012, 04:10:04 AM
I got bank insist to borrow me RM100k but the interest rate is 9%. I rejected the offer because I say I don't know what to do with this amount of money. Got any good business plan that can confirm earn more than 9%/year?
Title: Re: Where can get personal loan or anything .....?
Post by: cashflow technology on January 24, 2013, 06:30:50 AM
you mean collateral?

Public Bank always say , "Collectoral" very important. Can not borrow if you don't have.
Title: Re: Where can get personal loan or anything .....?
Post by: kriegsmarine on January 24, 2013, 09:12:48 AM
Personal loan? no problem! Did u see the advertisement on the lamp post nearby? Pinjam 10,000 dapat 9,800 untuk sebulan :D
Title: Re: Where can get personal loan or anything .....?
Post by: harry77 on June 08, 2013, 02:46:56 AM
Go hill, put on table, 100k bet on banker, if win 100% profit, deduct 10%, still hv 90% earning.. If lose, jump from hil... Born again after 18years can fight with new spirit again... :D :D :D
Title: Re: Where can get personal loan or anything .....?
Post by: KLSE LOSSER on June 08, 2013, 11:18:01 AM
Got my loan from my credit card... 2.99% per year... Good or not?
Title: Re: Where can get personal loan or anything .....?
Post by: DUDA on June 08, 2013, 11:36:33 AM
Got my loan from my credit card... 2.99% per year... Good or not?

2.99  %  very good deal,,,!
seems  too good to be true ! :D  :D
Title: Re: Where can get personal loan or anything .....?
Post by: alexc8 on June 08, 2013, 11:58:26 AM
refinance your house....pm me 8)
Title: Re: Where can get personal loan or anything .....?
Post by: KLSE LOSSER on June 08, 2013, 01:51:45 PM
2.99  %  very good deal,,,!
seems  too good to be true ! :D  :D
Special offer. Only selected person. But now wanna settle it..  donno how much the penalty will cost me... :sweat:
Title: Re: Where can get personal loan or anything .....?
Post by: alexc8 on June 08, 2013, 01:54:41 PM
2.99% per month?

service charge?

cannot settle? penalty?
Title: Re: Where can get personal loan or anything .....?
Post by: KLSE LOSSER on June 08, 2013, 02:21:18 PM
If settle early sure kena penalty... No choice... Applying home loan... Need to settle it...
Title: Re: Where can get personal loan or anything .....?
Post by: Aminsg on November 28, 2013, 11:15:00 AM
2.99% per month?

service charge?

cannot settle? penalty?

can elaborate?
Title: Re: Where can get personal loan or anything .....?
Post by: Contender on November 28, 2013, 11:45:49 AM
So easy, just go to any Bank .... personal loan so easy to get or get loan from your credit card ! Go apply credit .... :clap: :clap:

Title: Re: Where can get personal loan or anything .....?
Post by: mrupai on November 28, 2013, 08:58:05 PM
loan at 2.99% must be government servant only lah, if private sector cannot get that rate.



Title: Re: Where can get personal loan or anything .....?
Post by: Richard123 on February 12, 2019, 05:21:32 PM
Hi,

For my past personal loans Ive used https://loanstreet.com.my/personal-loan website. It helped me understand how it works with the FAQ. The process is actually very easy and I got it in no time. I was happy with the experience and I hope you enjoy it too.
Title: Re: Where can get personal loan or anything .....?
Post by: Andromandis on January 19, 2020, 09:18:55 PM
Many people use credit funds to start their own business, but you need to be as careful as possible to invest this money wisely and not to be left with big financial problems.