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Personal Loan FAQs

A personal loan offers you the financial flexibility to use the additional funds for any purpose you desire. This can include expenses to cover your home renovations or maintenance. A home decoration personal loan allows you to fund your home renovation projects to turn your house into your dream home.
First you need to identify the home renovations you need to do and your budget. With a budget in mind, it is then easier to work backwards. You can then find the right home decoration personal loan in Malaysia for you with our free comparison tool. Apply for the loan and once it is approved, the money will be disbursed into your account and you will then need to make monthly repayments of the principal amount in addition to the interest rates.
No, personal loans are not considered taxable income and you do not have to report it in your annual tax returns. You will only have to pay taxes on the money that you earn through your work or your assets.
The maximum loan tenure as set by Bank Negara Malaysia is 10 years. However, banks will determine the repayment period based on your credit profile and amount borrowed which can range between 6 months to 10 years. On average, most banks offer a loan tenure of 7 to 8 years.
The credit score is used by banks to determine whether or not to approve your loan application, and also how much interest you will be charged. If you have a bad credit score, you may be charged a high-interest rate or worse, your application will be rejected.
In the simplest of terms, Flat Rate Interest is the type of interest that will stay the same on the principal loan amount, throughout your loan tenure. This means that whatever interest rate that you're charged at the time you take out the loan will remain the exact same figure as your final month's loan repayment. It's generally used in personal loans and hire purchase (car) loans.
Yes, home decoration personal loans are unsecured loans. This means you do not require collateral to be tied to your personal loan application. The approval of your application is dependent on how healthy your credit history and credit score is. The bank also reviews other factors such as your monthly income amount and the number of loans you already have under your name.
Most banks will require you to be a Malaysia Citizen or Permanent Resident, aged 21 and above (but not over 60 years old) and earn a monthly gross income of at least RM3,000 or more. Proof of identification, income, and residence must also be submitted to be approved for a personal loan. Banks will also look at your credit rating before approving or rejecting the loan application.
Your home decoration personal loan processing time depends on the bank or lender. Some banks send an approval-in-principle as quickly as an hour; others may take a day. Depending on the lender, the loans may be disbursed as soon as a day after approval.

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