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walbur
Joined: 19 Aug 2008
Posts: 3
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 Posted: Wed Aug 20, 2008 6:01 pm Post subject: Seeming pro advice on loan |
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I'm looking for financing loan which information as below
Property cost: 200K
MoF: 90%
Salary: 3500>3900
Car monthly inst: 800
Seriously i have bad hobbit that owe a credit card payment up to RM8k, but i have make 1 time full payment 8k and obtain a settlement letter from the bank.
need your guy pro advise, do i still able to get loan from local bank? even i have settle the previous outstanding amount. |
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far83v2
Joined: 23 Mar 2008
Posts: 73
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| Posted: Thu Aug 21, 2008 1:52 am Post subject: Re: Seeming pro advice on loan |
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| walbur wrote: | I'm looking for financing loan which information as below
Property cost: 200K
MoF: 90%
Salary: 3500>3900
Car monthly inst: 800
Seriously i have bad hobbit that owe a credit card payment up to RM8k, but i have make 1 time full payment 8k and obtain a settlement letter from the bank.
need your guy pro advise, do i still able to get loan from local bank? even i have settle the previous outstanding amount. |
Hmm.. it very depend on luck in my opinion.. i have several case like you where sometime i get the loan approve and sometime not..
but since you say you already have the settlement letter.. it at least give you are chance to get the loan approved otherwise without any proof document to show you have clear the credit/loan.. it will difficult..
if you want to try with CIMB.. you can sms me at 017-2449305 or email to me at azlancimb@yahoo.com |
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MLD
Joined: 10 Jul 2007
Posts: 58
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| Posted: Thu Aug 21, 2008 11:45 pm Post subject: |
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Dear Walbur,
I see no problems at all in your eligibility to obtain a loan, if you have paid down on the credit card.
Just give me a call or drop me an email should you wish to apply.
Regards.
_________________
To know more about AIA's Home Loan packages, Call 012-3272615 or email tzeyean.aia@gmail.com for more details. |
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yykalex
Joined: 14 Mar 2008
Posts: 156
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| Posted: Fri Aug 22, 2008 11:59 am Post subject: |
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i would like to say, bank actually very strict on your payment record, banks like good pay master. eventhou you hv a settlement letter show that you hv clear your debts, you still losing in scoring (ccriss).
you can take a chance to try several banks, try ur luck, after get the banks' loan approval then only u discuss the rate.
good luck. |
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walbur
Joined: 19 Aug 2008
Posts: 3
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| Posted: Fri Aug 22, 2008 1:30 pm Post subject: |
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| Thank for the advice, so far i have try HLB and PB, still waiting for the result, hopefully 1 of them success.... |
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marvinteow
Joined: 26 Aug 2008
Posts: 23
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| Posted: Tue Aug 26, 2008 11:13 pm Post subject: |
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| walbur wrote: | | Thank for the advice, so far i have try HLB and PB, still waiting for the result, hopefully 1 of them success.... |
HLB that you submit is at which branch, may be I can try to contact (Coz some of them are my ex-colleague),
Since you have the settlement letter, it dated on when, and at the same time whether it have reflected on CTOS or not lar
HLB calculate on those backward record sometimes really depend on luck, but as long as you have the settlement letter, should b fine.
Public Bank, you may refer to the Public Bank Officer to see what is their credit criteria (normally this issue they wont tell you, unless he or she is your friend, then may b lar) |
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abyss
Joined: 29 Aug 2008
Posts: 4
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| Posted: Fri Aug 29, 2008 8:36 pm Post subject: Re: Seeming pro advice on loan |
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I'm also doing home loan and I think shouldn't b a problem applying a home loan.
If you are interested u may email to me your detail, so I can send you my quotation & advise. My email is clknat91@gmail.com.
Thanks.
Regards,
abyss |
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