u/Lanky_Tip_2273

Personal loan interest is at all time low with a few bank offering 1% max 80k for a tenure of 60 months, coupled with cashback and etc.

While Autoloan is hovering at 2%+, and the need to transfer the car to the finance company.

am a civil servant, but is restricted by the 3x unsercured loan policy.

is it possible to write in to HR to get an exemption? the COE itself is an asset, though a depreciating one, it's still under my name. shouldn't it has more collateral than it being under a finance company?

not sure there is any way to bypass this? none in family can help me with this.