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[求救] 申请个人贷款

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发表于 2014-11-24 11:18 AM |只看该作者 |倒序浏览

我想要申请个人贷款，要对银行的，谁能够帮忙申请到？我白底，没和银行来往过，薪水是1700，自己名下有一间公司，只是1年多，每个月都有来往钱，至少有1万，请问可以申请得到贷款吗？

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Ns-Hon

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发表于 2014-11-24 11:29 AM |只看该作者

假如是白底。。是申请不到loan。。。你就多申请信用卡

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宝贝永远爱老公

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发表于 2014-11-24 11:31 AM |只看该作者

Ns-Hon 发表于 2014-11-24 11:29 AM
假如是白底。。是申请不到loan。。。你就多申请信用卡

可是申请了信用卡，需要用多久才能够有资格申请到LOAN ?我的薪水申请不到信用卡

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宝贝永远爱老公

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发表于 2014-11-24 11:32 AM |只看该作者

Ns-Hon 发表于 2014-11-24 11:29 AM
假如是白底。。是申请不到loan。。。你就多申请信用卡

我想问下如果我老公的薪水3500 ，只是他没有进出银行，因为拿现钱，还期有被拖欠过，有机会申请贷款吗？

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Spectorrox 该用户已被禁止	5^# 发表于 2014-11-24 11:54 AM \|只看该作者提示: 作者被禁止或删除内容自动屏蔽
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发表于 2014-11-24 05:13 PM |只看该作者

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发表于 2014-11-25 11:04 AM |只看该作者

以你的条件应该是可以申请到个人贷款的
有自己公司，有个人进支出证明
至于白底未必就是坏事，白底是说明了你没有任何有利的贷款记录
但也同时也代表了你也没有任何烂帐黑名单历史
所以是可以申请的，只是可以贷款到多少就得与银行面洽
比较符合你条件的就是Hong Leong Bank Personal Loan
它由打底5K开始，15K，25K或100K不等
你去问问看

Monthly installments as low as RM133.33
Fast approval within 48 hours
Flexible repayment tenure of up to 5 years
Minimum income eligibility of only RM24,000 per annum
No guarantor and no collateral
Loan financing amount min will be from RM 5,000 to RM 50,000 depending on the customer’s eligibility. The repayment period depending on the amount is min 1 year to 5 years. Please take note that the Interest Rate is a flat 1% per month. Actual monthly installment will be rounded up to the nearest RM5.

Malaysian citizens only, aged between 21 to 60 years old and who earn a minimum annual income of RM24,000 per annum is eligible to apply for the loan.

ForSalaried Earner, please prepare

Latest 3 months Salary Slip
EPF Statement dated within last 2 months
EA Form dated within last 12 months
For Self Employed, please prepare

Latest 3 months Company Bank Statement
Latest B/BE Form or EPF Statement
Business Registration
Important Information
For Islamic Financing:

Ibra’ shall be granted to the Customer who settles their financing facility(ies) before the end of the financing tenure. Settlement prior to the end of the financing facility tenure by the Customers shall include, but is not limited to the following situations:

Customer who make an early settlement or early redemption
Settlement of this financing facility(ies) due to financing restructuring exercise
Settlement by Customer in the case of default
Settlement by Customer in the event of termination or cancellation of this financing facility(ies) before the maturity date
Ibra’ (Rebate) shall be calculated as follows:

Ibra’ = [remaining unearned profit] +[undisbursed principal (if applicable)] – early settlement charges* – current month profit
*cost that have not been recovered because a financing contract has a structure with discount elements at the initial period of financing; and/or
The rebate shall only be deemed granted upon receipt of the settlement/redemption sum as determined by the Bank
Hong Leong financing also provides options with 20% Cashback with Terms & Conditions.

July 08, 2014