{"id":5096,"date":"2021-10-12T16:00:00","date_gmt":"2021-10-12T08:00:00","guid":{"rendered":"http:\/\/www.ap-northeast-1.blog-v1.compareglobal.co.uk\/my\/?p=5096"},"modified":"2026-03-27T10:43:01","modified_gmt":"2026-03-27T02:43:01","slug":"personal-loan-checklist-2","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/lifestyle-finance\/personal-loan-checklist-2.html","title":{"rendered":"5 Things You Should Know Before Taking A Personal Loan"},"content":{"rendered":"

When applying for a personal loan, be very clear of your goals and identify what you really want to achieve. Perhaps you want to renovate your home, or pay off your credit card bills? Always remember, a personal loan is a financial tool, not a cure-all to your financial problems. So check out the 5 things that you should know before applying for a personal loan.<\/p>\n

<\/p>\n

1. Where should I apply for a personal loan?<\/strong><\/h2>\n

There are several ways to apply for a loan; however you should always get yours from a financial or banking institution that is licensed by Bank Negara Malaysia.<\/a> You must avoid borrowing from illegal moneylenders, as you may end up further in debt from their unregulated interest charges and practices.<\/p>\n

Instead, you should always choose to use a reputable bank that offers you great service and one that can cater to your financial needs at all times.<\/p>\n

2. How much can I borrow with a personal loan?<\/strong><\/h2>\n

First, you need to learn how to calculate your debt service ratio<\/a> and see whether you can afford it! Here\u2019s how:<\/p>\n

Total Monthly Commitments \/ Total Net Monthly Income X 100% = Debt Service Ratio<\/em><\/p>\n

Ideally, you should always keep your debt service ratio below 60% to ensure you have the best chances of getting your loan approved. You should also keep in mind that banks may calculate the interest based on the total amount, the loan tenure and your credit score.<\/p>\n

When applying for a personal loan, banks will usually agree to let you borrow up to three to four times of your monthly income to ensure you don\u2019t overextend your finances. Most banks in Malaysia also issue personal loans at an average amount of RM20,000 \u2013 RM50,000 based on factors like the borrowers\u2019 debt service ratio, monthly income and credit history.<\/p>\n

\"personal-loan-checklist-01\"<\/p>\n

3. How can I save on interest charges?<\/strong><\/h2>\n

It was mentioned earlier about how the banks will calculate the interest rate on personal loans (the total amount, loan tenure and your credit score) that you need to know.  So, one way is to choose a shorter loan tenure with higher monthly instalments that you can pay off quickly to save on the interest charges.<\/p>\n

There is more to getting the best deal on your personal loan than just looking for low interest rates.  For example, if the personal loan offers cash back on interest paid, this would mean that if you took a personal loan at an interest rate of 10%, a 20% cash back on interest paid would mean that you are actually repaying the bank at an interest rate of 8%!<\/p>\n

With that in mind, make sure you check out what deals the banks have to offer, as you could save yourself hundreds of Ringgit!<\/p>\n

4. What documents do I need for my personal loan?<\/strong><\/h2>\n

\"personal-loan-checklist-02\"<\/p>\n

The banks are required to perform their due diligence when approving personal loans, so you will need to have all your personal documents in order. This will help to prove that you can easily meet all of their requirements and cut down the back and forth between you and the bank. So here are some documents you would need to submit, and the exact list varies between banks:<\/p>\n

    \n
  1. Your NRIC (MyKad)<\/li>\n
  2. Your latest EPF Statement or<\/li>\n
  3. Your latest 3 months\u2019 salary slips<\/li>\n<\/ol>\n

    5. How fast can I get my personal loan approved?<\/strong><\/h2>\n

    The approval process is much faster these days and you can now even get your personal loan approved within 48 hours to even under an hour. Remember to bring along your MyKad and any necessary documents required by the bank to speed up the process even further!<\/p>\n

    Here at CompareHero.my, we help you find the right personal loan that suits your needs best. Click the link below and you’ll see several personal loans you can choose from today:<\/p>\n

    Save<\/p>\n


    \nApply For The Best Personal Loans in Malaysia!
    \n<\/a>
    \n[tags]<\/p>\n","protected":false},"excerpt":{"rendered":"

    When applying for a personal loan, be very clear of your goals and identify what you really want to achieve. Perhaps you want to renovate your home, or pay off your credit card bills? Always remember, a personal loan is a financial tool, not a cure-all to your financial problems. So check out the 5…<\/p>\n","protected":false},"author":268230141,"featured_media":59856,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[412],"tags":[],"class_list":["post-5096","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lifestyle-finance"],"yoast_head":"\n5 Things You Should Know Before Taking A Personal Loan<\/title>\n<meta name=\"description\" content=\"A personal loan can be of great help when you\u2019re in need of some extra finances. 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In this comprehensive guide, we'll walk you through essential tips to increase your chances of getting your loan application approved. 1. Check Your Financial Records Before diving into the loan\u2026","rel":"","context":"In "Loans"","block_context":{"text":"Loans","link":"https:\/\/www.comparehero.my\/blog\/loans"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Top-Tips-To-Get-Your-Loan-Application-Approved-01.png?fit=1200%2C629&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Top-Tips-To-Get-Your-Loan-Application-Approved-01.png?fit=1200%2C629&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Top-Tips-To-Get-Your-Loan-Application-Approved-01.png?fit=1200%2C629&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Top-Tips-To-Get-Your-Loan-Application-Approved-01.png?fit=1200%2C629&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Top-Tips-To-Get-Your-Loan-Application-Approved-01.png?fit=1200%2C629&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":18435,"url":"https:\/\/www.comparehero.my\/blog\/loans\/personal-loan-management-guide.html","url_meta":{"origin":5096,"position":2},"title":"Personal Loan Guide: Money Management","author":"CompareHero","date":"15 January 2020","format":false,"excerpt":"What is the difference between a personal loan and other financing products? 1.When to use a personal loan or a credit card? Loans help you pay for a major purchase you\u2019ve been putting off for some time or that once-in-a-lifetime trip you\u2019ve been meaning to go to. It\u2019s an additional\u2026","rel":"","context":"In "Loans"","block_context":{"text":"Loans","link":"https:\/\/www.comparehero.my\/blog\/loans"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2020\/01\/image-4.png?fit=1024%2C768&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2020\/01\/image-4.png?fit=1024%2C768&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2020\/01\/image-4.png?fit=1024%2C768&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2020\/01\/image-4.png?fit=1024%2C768&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":18433,"url":"https:\/\/www.comparehero.my\/blog\/loans\/loan-application-guide.html","url_meta":{"origin":5096,"position":3},"title":"Personal Loan Application Guide","author":"CompareHero","date":"8 January 2020","format":false,"excerpt":"Personal loans in Malaysia have a wide range of uses. 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There\u2019s quite a bit of work to be done, so you\u2019re going to need some extra cash to fund your dream home makeover. 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