Category Archives: Pinjaman

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Bank Negara Should Reinstate Developer Interest Bearing Scheme …

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Pinjaman Koperasi,Pinjaman Swasta,Pinjaman Perniagaan » What …

CCRIS(Central Credit Reference Information System) is a system developed by Bank Negara Malaysia.Every financial institution(e.g:koperasi loan,bank loan etc) is required to submit their customer’s credit for update CCRIS database so it can centralized the system.
Their was  3 major categories CCRIS:
Applications
How many applications is being applied for the past 1 year(such as credit card,house loan etc).
How much “line” is being applied.
Thus banks or underwriters would know how “desperate” this person is seeking for credit facilities. And out of these apps, how many is approved and rejected.
Outstanding Status
It would show how many credit facilities one had i.e. housing loans, credit cards, OD, hire purchase etc…
Each line would show each facilities with it’s outstanding, limits and payment behavior, legal status if any.
Under the payment behavior string, 1 would meant miss 1 payment, 2 would meant miss 2 payment.
If it’s a card with outstanding close to limit granted might not give a good impression.
If it’s like Hybz mentioned, he’s always late by 2 days…the payment string might shows all 1. But since it’s a consistent pattern, there’s nothing to worry about. But word of advise, phone the bank up and change the billing cycle.
Legal status would shows what legal action had been taken.
This portion is mainly for officers to judge how good is your repayment, how much “burden” once has, etc…the main evaluation criteria lies in reviewing this section.
Special Attention Status
This would show mainly accounts that had been written off.
Or under AKPK management.
CCRIS reports are made available by Bank Negara Malaysia to basically assist banks.
CTOS is an independent company and owned by CTOS Sdn Bhd (209649-U) which collects all legal notices published.
They will collecting from following:
Summons issued to borrowers
Judgments obtained against the debtors
Other relevant government offices
CTOS is different from CCRIS because it only collect information from what was published at public and it not involve financial institution.That is why CTOS is still widely used besides CCRIS as CCRIS like I mentioned above only store reports from “financial institution”. Whereas if one company or one person decided to sue you for defamation, or other legal matters and are being brought up to court, it would be captured under CTOS after the legal preceding is done and legal notice is issued. CCRIS would never capture those instances.
What is BlacklistWhether you are blacklist,Banks will judge you based CTOS and CCRIS.Different Banks make judge your differently.If you listed at CTOS,it still be no problem.For CCRIS,everyone with credit facilities would be listed.
What you need to do?
Make sure your make payment to bank at every month without delay.And do not became guarantor for other people even is your family member.If their fail to paid the loan,you will be influence.

What you need to do if you are CTOS and CCRIS?
If you are work as government servants,We can help you.Please contact us for more detail at 0163235790

Read the rest here: Pinjaman Koperasi,Pinjaman Swasta,Pinjaman Perniagaan » What …

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Pinjaman Peribadi RHB | Personal Loan

RHB provided Express Loan Financing to suit the customers’ busy schedule. In order to apply for a personal loan all we need is your MyKad and head to the nearest Easy branch to apply for a personal loan and obtain instant approvals and loan disbursement.

RHB offers rates based on a flat rate and vary according to the repayment period from 12 months onwards. Complete interest rate tier (Flat rate & Effective interest rate or EIR). Interest is charged upfront on the loan amount approved and interest is pre-computed for the entire tenure based on “Rule 78?.
Tier 1: from 13.38%p.a. flat that is equivalent to EIR 24% p.a.
Tier 2 from 11.63% p.a. flat that is equivalent to EIR 21% p.a.
The EIR rate may be higher if the monthly repayment is not done on a regular basis.

RHB offers unique personnel loan features such as,
On-the-spot approval and disbursement
Flexible Personal Financing amounts from RM2,000 to RM150,000
Low monthly installment amount from less than RM60 per month
Flexible loan repayment tenure of up to 5 years (60 months)
Customers who apply will enjoy benefits such as getting an easy Visa Debit Card with the approved loan and a convenient monthly repayment through standing instruction.

RHB Personal Financing lets you borrow anything from RM2, 000 to RM150, 000 for a period between one and five years. Once the loan is approved, there are no processing fees for this personal loan. However you will need to pay 0.5% Government Stamp Duty on the total amount you have borrowed which is standard as other banks.

There is no requirement to pay a deposit when you apply for this RHB personal loan. So in order for loan application, you will need to supply some personal documents with your application form as stated:
Copy of MyKad (front and back)
Last three month’s payment slip, or EPF statement, or Reference Letter from your Employer.
Last three month’s bank savings account passbook or current/savings account statement.
For those who are Self-Employed there are some additional documents that need to be submitted such as:
Business Registration Certificate (company must be at least two years old)
Last six month’s bank statements
Most recent Form B from the Inland Revenue Board
Latest EPF form
Further documents may be required if your salary includes variable income, such as commissions or overtime
Once your loan is approved, RHB will disburse funds to your preference account of choice. Repayment will be normally begin the month following the date you receive your loan and continue at monthly intervals until the loan has been completely repaid.

February 20, 2014
Tags: jadual pembayran pinjaman rhb, rhb personal loan, rhb personal loan repayment table

Read the original: Pinjaman Peribadi RHB | Personal Loan

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Pinjaman Peribadi CIMB | Personal Loan

CIMB Cash Plus
6.88% p.a flat rate interest onward 
Tenure 1 to 5 years repayment
Maximum 8 times salary financing
From RM 2,000 to RM 100,000 financing available
For Malaysians Only

CIMB Cash Plus is a personal package that is catered for private sector in Malaysia. This personal loan in unsecured and it requires no guarantor or collateral. A borrower will be able to enjoy from RM 2,000 to RM 100,000 financing or a 8 times salary financing whichever that is lower. The amount loan will also be subjected to credit ratings. The minimum tenure would start from 1 to a maximum of 5 years.

Interest rates would depends on amount loan and borrower’s employment type. Basically, borrower will be able to enjoy better interest rates with higher loan amount. A borrower can enjoy up to 6.88% p.a flat interest rates with interest rates with RM 50,000 to RM 100,000 financing , 9.88% p.a. with RM 25,000 to 49,000 financing and 13.38% with RM 2,000 to RM 24,000 financing.
As for self employed, the interest rates for financing would be 13.38% p.a.
Charges
There will be a stamp duty for this personal loan. The amount would based on 0.5% of the loan amount. Insurance is also compulsory where the Cash One Assurance fees depending on age and tenure of loan. There will be a one year lock in period for this loan for cash disbursement date. A written notice to the bank is required for any settlement.
Eligibility
This loan is open to individual from 21 to 60 years old at the end of loan tenure. Applicants will need to have a minimum annual income of RM 24,000.
Documents 
Under employment
NRIC  ( Front and back)
Most recent 3 months payslip
Most recent salary credit account, EPF statement, BE Form,
Employment
NRIC (Front and back)
Most recent 6 months bank statement
Business registration form
Most recent form B

The payment table for CIMB Cash Plus would be on the link below
CIMB Cash Plus Repayment Table

Originally posted here: Pinjaman Peribadi CIMB | Personal Loan