As Personal Loan in Malaysia is a form of unsecured debt where no collateral and guarantor is needed, banks may have stringent criteria when assessing your loans applications. Here are some tips to help you get your loans approved easier. Requirements The typical requirement for Malaysian bank personal loan application would be anyone from age of 21 to 60 at the end of loan tenure. There is a basic salary requirement for personal loan applications. This is usually stated in the product sheet. Typically, you can loan up to 5 times of your gross income however this may vary from

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