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How to get personal loans in Kuching? Which banks in Kuching offer the best interest rates? Read, compare, and apply.
Kuching, the capital city of Sarawak, is built on rich culture and heritage. The city offers visitors a glimpse of its unique concoction of old world charm and modern day delights.
The city has a mix of Chinese and Malay population that adds to its diverse culture. Some of the popular sightseeing attractions in Kuching include, Sarawak Museum, Chinatown, Waterfront, Astana, State Mosque, to name a few. There are also quite a few mesmerising national parks and sanctuaries spread across the city of Kuching.
Are you eligible for a personal loan in Kuching? Let’s check some of the basic eligibility criteria that you need to meet to get a loan.
|Banks||Interest/Profit Rates (p.a.)||Loan Tenure||Min. Annual Income||Min. to Max. Loan Amount||More Info.|
|Alliance Cashfirst Personal Loan||EIR 14.73% to 24.37%||1 to 7 years||RM36,000||RM5,000 to RM150,000|
|Hong Leong Bank Personal Loan||EIR 12.38% to 24.82%||2 to 7 years||RM24,000||RM5,000 to RM100,000|
|RHB Personal Financing||13.45% up to EIR 24%||1 to 7 years||RM24,000||RM2,000 to RM150,000|
|CIMB Cash Plus Personal Loan||ELR 14.50% to 24%||1 to 5 years||RM24,000||RM2,000 to RM100,000|
|HSBC Amanah Personal Financing-i||8.75%||2 to 7 years||RM36,000||RM6,000 to RM150,000|
|Al Rajhi Bank Personal Financing-i||6.99% to 8.25%||2 to 8 years||RM60,000||RM10,000 to RM150,000|
|UOB Personal Loan||EIR 17.96% to 21.57%||1 to 5 years||
||RM5,000 to RM100,000|
|AmBank AmMoneyLine||EIR 14.13% to 20.30%||1 to 5 years||RM24,000||RM2,000 to RM100,000|
|Maybank Personal Loan||ELR 11.53% to 14.68%||2 to 6 years||RM30,000||RM5,000 to RM100,000|
|Bank Islam Personal Financing-i Public Sector||4.99% p.a.||1 to 10 years||RM24,000||RM10,000 to RM200,000|
EIR = Effective Interest Rate
ELR = Effective Lending Rate
Q. What are different modes of application?
A. You can apply both online or offline. Applying online is more feasible because you can complete your application at the convenience of your home or workplace. It also helps save a lot of time and paperwork.
Q. What are the working hours for banks based in Kuching?
A. It’s no different from banks operating from other Malaysian cities. It’s mostly a 5-day work week, though some banks to remain open for 6 days. Generally, the working hours are between 8 a.m. and 5:30 p.m. Some local banks close down from 12:45 p.m. to 2:45 p.m. on Fridays due to prayers.