sneggg
Arch-Supremacy Member
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- Jun 12, 2005
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Actually i m thinking . Out of the so many banks , which bank will be more easier to apply ... as in not so strict ?
nobody will know you just got to try
Actually i m thinking . Out of the so many banks , which bank will be more easier to apply ... as in not so strict ?
nobody will know you just got to try
Ya I tried dbs .. thinking "family" bank .. I m thinking local bank more ok ???
Ya I tried dbs .. thinking "family" bank .. I m thinking local bank more ok ???
Hahaha from my years of dealing with the banks, HSBC and Citi are the friendly ones. UOB also not bad. OCBC on the other hand... Pfft. No experience with DBS.
The idea of family bank died with DBS took over POSB. Hahaha.
Ya I know but my first thot was to apply with dbs .. ������������...
Actually I did not compare and I knew there was such plan to help us . I just went for dbs .. just hope it will b approved and I just pay to one bank monthly and all the problem will b solve in 8 years ..?From hsbc websites, one to seven years tenor HSBC rate is 4.7% flat rate, EIR 8.5%. seems like much lower than DBS. Have you asked HSBC? DBS EIR could be more than 12%?
From hsbc websites, one to seven years tenor HSBC rate is 4.7% flat rate, EIR 8.5%. seems like much lower than DBS. Have you asked HSBC? DBS EIR could be more than 12%?
From hsbc websites, one to seven years tenor HSBC rate is 4.7% flat rate, EIR 8.5%. seems like much lower than DBS. Have you asked HSBC? DBS EIR could be more than 12%?
How u apply ? Thru their branch or ?? .. I was thinking foreign bank will b more stricter ..Have applied HSBC, now waiting for approval. So far they are the lowest. Also, processing fee is waived. Pls be wary of the processing fee, some can go as high as 2-4%. Imagine you borrow 60k, processing fee will be $1.2K added in.
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How u apply ? Thru their branch or ?? .. I was thinking foreign bank will b more stricter ..
Have applied HSBC, now waiting for approval. So far they are the lowest. Also, processing fee is waived. Pls be wary of the processing fee, some can go as high as 2-4%. Imagine you borrow 60k, processing fee will be $1.2K added in.
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My buddy just confirmed that Citi has no processing fee.
Instant approval ? My credit point is HH so m worried .. haiz ... just called up dbs .. previously they double check something with me then all my docs only in last mon , they told me today they are checking with some banks on my last outstanding .. does it means got chance ??Just visit one of their branch with all your CC statements, Credit bureau report, income documents and IC. The CSO will key in all figures to see if you qualify or not. If yes, they will proceed.
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Instant approval ? My credit point is HH so m worried .. haiz ... just called up dbs .. previously they double check something with me then all my docs only in last mon , they told me today they are checking with some banks on my last outstanding .. does it means got chance ??
Approval takes about 2 weeks. Credit rating is one of their consideration. I don't know rating of HH will affect the approval or not. The DCP is to help borrower to settle their obligations and if they don't approve then it is meaningless. But then again, each bank will have different risk appetite.
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they told me today they are checking with some banks on my last outstanding .. does it means got chance ??
so..ur rate is 4.7%? very good rate.did they ask for Banks letters etc if you have any installment plans etc?Have applied HSBC, now waiting for approval. So far they are the lowest. Also, processing fee is waived.