loan related

[maniahk]

i was reading thru another topic n sgstarrider was talkin about loans, can i juz ask some loan related questions?

 

1)do dey do loans for smaller amounts? say i wanna buy from private owner at 4k, den i got 2k on hand onli and i wanna juz take another 2k loan?

2) can i take up a loan if i'm not workin? i understand some places need payslip n stuff..

3) is dere like an early settlement charge? if i can manage to clear e loan before time is up?

 

 

dun worry i not tryin to snatch e dragstar from u, blackspecs, haha.. i more interested in shadow personally.. n thx in advance for any replies and advice

[dreamwalk]

Haha.. bike snatcher on the loose!! everyone quick keep your bikes at home...

 

k, back to topic. If small amount like 2k, y not u try to borrow from parents, friends or relatives? might be interest-free woh.

 

And YES, i think shadow is a cooler bike! LOL! but dragstar also cool lah..

[sgstarrider]

1)do dey do loans for smaller amounts? say i wanna buy from private owner at 4k, den i got 2k on hand onli and i wanna juz take another 2k loan?

2) can i take up a loan if i'm not workin? i understand some places need payslip n stuff..

3) is dere like an early settlement charge? if i can manage to clear e loan before time is up?

 

1. Yes they do give loan $2k. the other $2k cash u give to seller lah. Subject to the credit company also lah.

 

2. not working how to pay back? Unless u have business or something as a proof of ur income to show em.

 

3. if im not wrong less than 1yr, yes got charge. How much not sure.

$2k loan, how much only they earn interest siah.

[plasticblackspecs]

no worries. No snatch. I'm still considering between Shadow and Dragstar. To me, a lot of pros and cons so I need to do a bit of research, check it out, here and there abit. But that's just me. I took 6 months to finally decide which bass to buy (off-topic) but it was totally worth it. Thanks for the link to Hitachi sgstarrider.

[maniahk]

hmm i dun mean not workin.. i do work part time but i dun haf a payslip..

[wayne_shadow]

Hi!

 

2) can i take up a loan if i'm not workin? i understand some places need payslip n stuff..

 

you must get a quarantor to take up the loan, if you cannot repay the loan, the quarantor will be responsible. The guarantor must have payslip or income tax to prove of the ability to repay the loan.

 

3) is dere like an early settlement charge? if i can manage to clear e loan before time is up?

 

There is no early settlement charge cos You have the pay the full interest payble for the loan term that you take up; meaning loan term 5 years. 2nd year can paid repay the full amount, but still have the pay the 5 years interest charge.