Need advice and help on banking loans!?

I am staying in Malaysia. Currently I am trying very hard to get loans from bank so that I can settle off all my credit cards so that I can concentrate on paying only 1 loan. But the banks refuse to grant me my loans by saying I am not qualified. Banks said they care for the people. Yeah, for the rich people alright. I just want to settle off all my credit cards so that I don%26#039;t have to have headaches from several card companies. What can I do to attain a bank loan? I am so willing to agree to their interest rate but they still won%26#039;t help. Is there a good soul out there who can help me by loaning me some money? I definitely will pay back including the interest as how the bank charges. Please advice me on how to get to get bank loans properly. Maybe I apply the wrong way? Thanks

Need advice and help on banking loans!?small business loans

If you are thinking about getting a loan, then you should know about the basics before you get started. If you understand the basic dos and don鈥檛s of loans, then you will be better equipped to find the best loan for your needs. Whatever type of loan you are applying for, you should follow these basic rules to help you find the best deal. When searching for a loan, it pays to do your research. Look for as many suitable lenders as you can, so that you can find the very best deal. There are many online pages that%26lt;!--allow you to compare loan rates from a variety of lenders. As well as looking online, check out your high street banks and mortgage lenders for deals too. You may find the loan that you need here,

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If possible, try and avoid taking out secured loans. If the amount you need to borrow is small or you have good enough credit to borrow without collateral, then do so. Although unsecured loans have higher rates, they are less risky because your home will not be at risk if you cannot make the payments.Try and take a loan out over the shortest period--%26gt;you can afford. Taking loans out over 10 years or more can be risky, and you cannot be sure what your financial situation will be at that time.