{"id":3868,"date":"2020-12-18T03:00:16","date_gmt":"2020-12-18T03:00:16","guid":{"rendered":"https:\/\/www.ibpo.com.my\/?p=3868"},"modified":"2024-12-03T02:58:25","modified_gmt":"2024-12-03T02:58:25","slug":"guide-for-personal-loan-in-malaysia","status":"publish","type":"post","link":"https:\/\/www.ibpo.com.my\/chi\/guide-for-personal-loan-in-malaysia\/","title":{"rendered":"Guide for Personal Loan in Malaysia"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3868\" class=\"elementor elementor-3868\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-603aae4 elementor-section-full_width xts-section-stretch-content elementor-section-height-default elementor-section-height-default\" data-id=\"603aae4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-513a4fa\" data-id=\"513a4fa\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1436404 elementor-widget elementor-widget-html\" data-id=\"1436404\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t[xts_html_block id=\"3506\"]\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-86c14ad elementor-section-full_width elementor-section-height-default elementor-section-height-default xts-section-disabled\" data-id=\"86c14ad\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5c446df\" data-id=\"5c446df\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a1e5a17 elementor-widget elementor-widget-shortcode\" data-id=\"a1e5a17\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-shortcode\">\t<div class=\"ibpo-articles xts-single-post-header\">\r\n\t\t<div class=\"xts-post-meta\">\r\n\t\t\t\t\t\t\t\t\t\t<div class=\"xts-post-categories\">\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<a  class=\"xts-post-category\" href=\"https:\/\/www.ibpo.com.my\/chi\/category\/articles\/\" rel=\"category tag\">\n\t\t\t\t\t\tArticles\t\t\t\t\t<\/a>\n\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<a  class=\"xts-post-category\" href=\"https:\/\/www.ibpo.com.my\/chi\/category\/articles\/personal-finance\/\" rel=\"category tag\">\n\t\t\t\t\t\tPersonal Finance\t\t\t\t\t<\/a>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"xts-post-date\">\n\t\t\t\t\t\t\t<time class=\"published\" datetime=\"2020-12-18T03:00:16+00:00\">\n\t\t\t\t\t18 12\u6708 2020\t\t\t\t<\/time>\n\t\t\t\t<time class=\"updated\" datetime=\"2024-12-03T02:58:25+00:00\">\n\t\t\t\t\t3 12\u6708 2024\t\t\t\t<\/time>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\r\n\r\n\r\n\t<\/div>\r\n\r\n\t\t\t<h1 class=\"ibpo-articles xts-post-title xts-entities-title\">\r\n\t\t\t\tGuide for Personal Loan in Malaysia\t\t\t\t<\/h1>\r\n\t\t\r\n\r\n\r\n\t\r\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60bed14 xts-scheme-inherit xts-textalign-inherit elementor-widget elementor-widget-text-editor\" data-id=\"60bed14\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 23-07-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column wpb_content_element \"><div class=\"wpb_wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column wpb_content_element \"><div class=\"wpb_wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column wpb_content_element \"><div class=\"wpb_wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column wpb_content_element \"><div class=\"wpb_wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column wpb_content_element \"><div class=\"wpb_wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column wpb_content_element \"><div class=\"wpb_wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column wpb_content_element \"><div class=\"wpb_wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column wpb_content_element \"><div class=\"wpb_wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column wpb_content_element \"><div class=\"wpb_wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column wpb_content_element \"><div class=\"wpb_wrapper\"><p>In our lifetime as Malaysians, chances are\u00a0<strong>we\u2019ll apply for a personal loan at some point<\/strong>; whether to finance the\u00a0<em>purchase of a car<\/em>, to\u00a0<em>go to university<\/em>, or to\u00a0<em>consolidate existing loans<\/em>. However, you\u00a0<strong>can\u2019t just apply for a loan whenever you feel like it<\/strong>, there are factors to consider and steps to take before you jump into obtaining a loan.<\/p><p>Once you get your hands on your loan\u00a0<em>(figuratively)<\/em>, it becomes a responsibility, so\u00a0<strong>take the time to plan and research<\/strong>. Here\u2019s a comprehensive guide for your personal loan application in Malaysia to help you with the process.<\/p><h2><b>Should You Take a Loan?<\/b><\/h2><p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-medium wp-image-1691\" src=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2020\/12\/asian-thinking-lady-standing-isolated-min-300x200.jpg\" sizes=\"(max-width: 300px) 100vw, 300px\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2020\/12\/asian-thinking-lady-standing-isolated-min-300x200.jpg 300w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2020\/12\/asian-thinking-lady-standing-isolated-min-1024x683.jpg 1024w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2020\/12\/asian-thinking-lady-standing-isolated-min-768x512.jpg 768w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2020\/12\/asian-thinking-lady-standing-isolated-min-1536x1024.jpg 1536w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2020\/12\/asian-thinking-lady-standing-isolated-min-2048x1365.jpg 2048w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2020\/12\/asian-thinking-lady-standing-isolated-min-219x146.jpg 219w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2020\/12\/asian-thinking-lady-standing-isolated-min-50x33.jpg 50w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2020\/12\/asian-thinking-lady-standing-isolated-min-113x75.jpg 113w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2020\/12\/asian-thinking-lady-standing-isolated-min-750x500.jpg 750w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2020\/12\/asian-thinking-lady-standing-isolated-min-1140x760.jpg 1140w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2020\/12\/asian-thinking-lady-standing-isolated-min-scaled.jpg 1920w\" alt=\"Asian Lady Thinking About Loan Considerations\" width=\"300\" height=\"200\" \/><\/p><p>Ask yourself what is\u00a0<strong>the purpose of your loan<\/strong>,<em>\u00a0do you need a car so you can get to work?<\/em>\u00a0<em>Is there an emergency you can\u2019t afford to cover right now?<\/em>\u00a0Keep in mind a personal loan is not as simple as\u00a0<em>\u201cI need RM 10,000, the bank lends it to me, I return RM 10,000 when I have it.\u201d<\/em><\/p><p>There are loans extended for a defined term that needs to be paid off within a set timeframe, and of course a loan is not as simple as funds borrowed with no strings attached, it\u00a0<strong>comes with charges and sometimes,\u00a0<em>high interest rates<\/em><\/strong>.<\/p><p>If possible, do calculations to make sure you will be able\u00a0<em>to repay regularly<\/em>\u00a0and\u00a0<em>avoid falling into debt<\/em>.<\/p><h2><b>How Does Your Credit Score Factor into Your Loan Process?<\/b><\/h2><p><img decoding=\"async\" class=\"alignnone size-medium wp-image-1697\" src=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2020\/12\/Credit-Score-Visual-min-300x273.jpg\" alt=\"Credit Score Affects Your Loan Terms\" width=\"300\" height=\"273\" \/><\/p><p>In short, the\u00a0<strong>higher your credit score<\/strong>\u00a0is, the\u00a0<strong>more affordable the loan rates<\/strong>\u00a0banks will offer you. Of course, you will only have a credit score if\u00a0<em>you\u2019ve applied for a loan before<\/em>\u00a0or if\u00a0<em>you have a credit card<\/em>\u00a0that you use.<\/p><p>You can\u00a0<strong>get a credit report<\/strong>\u00a0from Credit Reporting Agencies like\u00a0<em>CTOS<\/em>\u00a0who take into consideration whether you\u00a0<em>paid previous loans on time<\/em>, if you\u00a0<em>have missed payments<\/em>,\u00a0<em>how much you currently owe banks<\/em>, your\u00a0<em>credit history length<\/em>\u00a0among others to\u00a0<a href=\"https:\/\/ctoscredit.com.my\/learn\/what-actually-is-a-good-credit-score\/\" target=\"_blank\" rel=\"noopener noreferrer\">give you a score<\/a>.<\/p><p>With a good credit score, banks will likely see you as a\u00a0<em>low-risk borrower<\/em>\u00a0and\u00a0<em>won\u2019t see the need to impose high interest rates<\/em>\u00a0to protect themselves.<\/p><p>Upon checking your credit history, you\u2019ll get a fair idea of what kind of loans you\u2019re qualified for. It is also handy to\u00a0<strong>shop for the most favourable loan<\/strong>\u00a0by\u00a0<em>comparing offers from different banks<\/em>, most importantly the\u00a0<em>interest rates applied<\/em>,\u00a0<em>loan term<\/em>, and\u00a0<em>total cost of the loan<\/em>.<\/p><h2><b>Be Aware<\/b><\/h2><p><img decoding=\"async\" class=\"alignnone size-medium wp-image-1692\" src=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2020\/12\/cropped-unrecognizable-people-keeping-records-expenses-min-300x200.jpg\" alt=\"People Evaluating Loan Terms and Conditions.\" width=\"300\" height=\"200\" \/><\/p><p>A personal loan is a debt.\u00a0<strong>A failure to repay a debt will incur penalties<\/strong>, especially unsecured debts which do not have a collateral in case of a default. Not only would there be\u00a0<em>charges for late payments<\/em>, some loan agreements would\u00a0<em>charge you if you pay earlier<\/em>\u00a0than the expected date, if it comes with a fixed interest rate.<\/p><p>As stated previously,\u00a0<strong>your credit score affects the terms of the loan<\/strong>\u00a0offered to you, but\u00a0<em>the loan you\u2019re taking<\/em>\u00a0will in turn\u00a0<em>affect your credit score<\/em>. While you may be able to get favourable loan terms now, should you\u00a0<em>struggle to repay this particular loan<\/em>,\u00a0<strong>you risk jeopardising your future credit prospects<\/strong>. That is why it is important to make sure that you\u00a0<em>actually do need the loan<\/em>, and plan accordingly to prepare a repayment method.<\/p><p>When you\u2019ve settled on a loan offer with your preferred interest rates, rather than celebrate and sign off immediately, it would be a smart move to\u00a0<strong>look out for hidden charges<\/strong>.<\/p><p>A personal loan should only be secured to help you, but can<em>\u00a0lead to a whole lot of trouble<\/em>\u00a0if you\u2019re not smart with financial planning.<\/p><h2><b>Loan Tenure<\/b><\/h2><p>Interest rate isn\u2019t the only thing you should be thinking about,\u00a0<strong>loan tenure is equally important<\/strong>.<\/p><p>A<strong>\u00a0longer loan tenure<\/strong>\u00a0usually means you\u00a0<strong>pay back in smaller amounts<\/strong>\u00a0each month, but usually even if you had extra income down the road and wanted to pay off the loan earlier, you can\u2019t without incurring a penalty. Most lenders also\u00a0<strong>enforce the\u00a0<a href=\"https:\/\/www.investopedia.com\/terms\/r\/ruleof78.asp\" target=\"_blank\" rel=\"noopener noreferrer\">Rule of 78<\/a><\/strong>\u00a0when it comes to\u00a0<strong>loan interest calculation<\/strong>.<\/p><p>This means\u00a0<em>the borrower<\/em>\u00a0will have to\u00a0<strong>pay a greater portion of the interest owed<\/strong>\u00a0in the earlier part of the loan tenure,\u00a0<strong>decreasing any potential savings<\/strong>\u00a0you may make by\u00a0<em>paying off the debt early<\/em>.<\/p><p>On the flip side, overconfidence in your ability to pay back the loan in a\u00a0<em>short tenure without proper planning<\/em>\u00a0or a good source of income can\u00a0<em>cause you to be unable to meet the payments<\/em>.<\/p><p>To prevent these situations,\u00a0<strong>pick out the right loan tenure that you feel comfortable with<\/strong>. Again, careful research helps in a lot of these situations.<\/p><h2><b>The Requirements<\/b><\/h2><p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-1696\" src=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2020\/12\/Loan-Approved-on-Checkboard-min-300x191.jpg\" alt=\"Loan Requirements for Approval\" width=\"300\" height=\"191\" \/><\/p><p>Aside from your\u00a0<em>credit score<\/em>, a number of factors come into consideration when banks approve loans. Your\u00a0<em>annual income<\/em>,\u00a0<em>age<\/em>,\u00a0<em>nationality<\/em>,\u00a0<em>employment status and sector<\/em>\u00a0also matter. Some loans are exclusively for salaried employees, while some others give civil servants priority approval.<\/p><p><strong>Be sure that you\u2019re qualified for a loan<\/strong>\u00a0before applying, as\u00a0<strong>a rejection<\/strong>\u00a0might cause other banks to\u00a0<em>be hesitant when approving a loan<\/em>\u00a0for you.<\/p><h2><b>Need Financing? Try IBPO i-Personal Financing<\/b><\/h2><p>Sure, you can do it the\u00a0<em>old fashioned way<\/em>\u00a0and\u00a0<em>enquire from different banks<\/em>\u00a0what their rates are, and\u00a0<em>go through their qualification processes<\/em>. Alternatively, why not\u00a0<strong>look for experienced middlemen<\/strong>\u00a0to\u00a0<strong>match you with the best loan deal<\/strong>\u00a0for you, and\u00a0<strong>fast track your loan approval<\/strong>?\u00a0<\/p><p>As official partners of\u00a0reputable banks, we at\u00a0<strong>IBPO Group Berhad<\/strong>\u00a0have\u00a0<strong>access to loan deals<\/strong>\u00a0with\u00a0<strong>exclusively low interest rates<\/strong>. Better yet, we help you\u00a0<strong>pre-qualify<\/strong>\u00a0for any potential loans you can get. Our advisors will\u00a0<strong>help you\u00a0<\/strong>all through the process, so you don\u2019t have to personally go from bank to bank only to get rejected.\u00a0<\/p><p>On top of that, we have\u00a0<strong>adopted\u00a0CTOS\u2019s eKYC Customer Verification System<\/strong>\u00a0to\u00a0<strong>smoothen the application process<\/strong>.\u00a0<strong>eKYC<\/strong>\u00a0can\u00a0<strong>verify your identity<\/strong>\u00a0within the space of a couple of minutes\u00a0<strong>without you needing to go anywhere<\/strong>.\u00a0<\/p><p>All you need to do is\u00a0<strong>fill up and submit a form<\/strong>\u00a0containing your basic information, take snaps of your NRIC, and a quick selfie of yourself. Should everything add up,\u00a0<strong>you\u2019re verified!\u00a0<\/strong><\/p><p>For more information about our\u00a0<em><strong><a href=\"https:\/\/product.ibpo.com.my\/en\/i-personal-financing\/\">i-Personal Financing<\/a><\/strong><\/em>\u00a0service, click\u00a0<strong><a href=\"https:\/\/product.ibpo.com.my\/en\/i-personal-financing\/\">here<\/a><\/strong>.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>[xts_html_block id=&#8221;3506&#8243;] In our lifetime as Malaysians, chances are\u00a0we\u2019ll apply for a personal loan at some point; whether to finance the\u00a0purchase of a car, to\u00a0go to university, or to\u00a0consolidate existing loans. However, you\u00a0can\u2019t just apply for a loan whenever you feel like it, there are factors to consider and steps to take before you jump [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":3870,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17,73],"tags":[78,79,105],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Your Comprehensive Guide to Personal Loans in Malaysia - IBPO Group<\/title>\n<meta name=\"description\" content=\"IBPO Group&#039;s comprehensive guide for your personal loan application in Malaysia to help you with the process. Discover key insights, eligibility criteria, and tips for securing the best personal loan for your needs.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.ibpo.com.my\/chi\/guide-for-personal-loan-in-malaysia\/\" \/>\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Your Comprehensive Guide to Personal Loans in Malaysia - IBPO Group\" \/>\n<meta property=\"og:description\" content=\"IBPO Group&#039;s comprehensive guide for your personal loan application in Malaysia to help you with the process. 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