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Credit Health & Loan Approvals

Guides and services for checking DSR, fixing CCRIS/CTOS issues, handling rejected loans, and navigating AKPK.

Cara Semak CCRIS dan Pengaruhnya Terhadap Pinjaman Rumah Anda

Pelajari cara untuk semak CCRIS dan pengaruhnya terhadap pinjaman rumah anda. Dapatkan tips dan nasihat bagaimana mengurus tunggakan hutang dan memperbaiki profil kredit anda untuk memastikan permohonan pinjaman rumah berjaya. Jangan biarkan tunggakan hutang menggangu impian rumah anda! Apa Itu CCRIS Dan Kenapa Ia Penting? Dalam dunia pinjaman, ada satu perkara yang sangat penting [...]

By |2026-03-13T12:30:05+08:00July 22nd, 2023|Credit Health & Loan Approvals|0 Comments
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Memahami Special Attention Account (SAA) dan Implikasinya dalam Proses Refinancing Rumah

Temui segala yang perlu anda ketahui tentang Special Attention Account (SAA), termasuk makna, implikasi dan bagaimana ia mempengaruhi proses refinancing rumah. Dapatkan panduan langkah demi langkah untuk membersihkan SAA dan cara memajukan permohonan refinancing anda. Refinancing, atau penggantian pinjaman, adalah strategi kewangan yang sering digunakan oleh pemilik hartanah untuk mengekstrak keuntungan daripada nilai hartanah [...]

By |2026-03-13T12:30:05+08:00July 19th, 2023|Credit Health & Loan Approvals|0 Comments
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DOKUMEN PERMOHONAN PINJAMAN RUMAH

Sebelum anda membuat permohonan pinjaman rumah dengan bank, mari kita tengok dokumen yang perlu anda sediakan. Setiap orang mempunyai cita-cita untuk memiliki rumah sendiri. Jika anda masih menyewa, ini mungkin hanya untuk sementara sahaja. Tetapi, ada sesetengah orang yang telah mempunyai beberapa rumah. Jika anda berada di golongan ini, maka anda adalah golongan yang [...]

By |2026-03-13T12:29:31+08:00May 21st, 2023|Credit Health & Loan Approvals|0 Comments
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Need Help Getting Approved with Clean CCRIS?

Home loans are one of the most common types of loans most individuals apply to own their homes. Recently, the topic of clean CCRIS has often emerged and become a hot topic of conversation. Is it true that borrowers with clean CCRIS cannot get approval? The answer is Yes and No. There are many [...]

By |2026-03-13T12:29:51+08:00April 14th, 2023|Credit Health & Loan Approvals|0 Comments
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Tak boleh buat Clean CCRIS ?

Pinjaman rumah merupakan satu daripada jenis pinjaman yang biasa dipohon oleh kebanyakan individu untuk memiliki rumah sendiri. Akhir-akhir ini, topik CCRIS yang bersih (clean CCRIS) sering kali timbul dan menjadi perbualan hangat.Betul atau tidak peminjam yang mempunyai clean CCRIS tidak boleh mendapat kelulusan? Jawapannya, Ya dan Tidak.Terdapat banyak faktor yang perlu diambil kira sebelum memohon pinjaman [...]

By |2026-03-13T12:29:51+08:00April 11th, 2023|Credit Health & Loan Approvals|0 Comments
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Can you take a loan if you have an AKPK record?

Recently, someone asked us about AKPK. Can they apply for a loan if they have AKPK?First of all, if you don't know what AKPK is. AKPK stand for Agensi Kaunselling dan Pengurusan Kredit (AKPK) or the Credit Counselling and Debt Management Agency.AKPK is set up by Bank Negara Malaysia (BNM) or our central Bank.So here [...]

By |2026-03-13T12:29:45+08:00June 18th, 2022|Credit Health & Loan Approvals|0 Comments
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THE PRICE OF “KEMALASAN”

Someone shared this on social media.  Harga sebuah KEMALASAN. Foodpanda: RM93.10 Pergi Kedai : RM58.00 Harga kemalasan RM35.10 untuk drive 2km je.  I found this fascinating topic because there are two ways or more to look at it. One is obvious.  Instead of using Foodpanda to buy the food, you can directly go to [...]

By |2026-03-13T12:29:45+08:00May 13th, 2022|Credit Health & Loan Approvals|1 Comment
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AVOID THESE TRAPS WHEN APPLYING FOR A HOME LOAN

In this article, I will share how you can avoid these traps when applying for a home loan and the solutions when facing one. At the start of this week, one topic keeps surfacing on my social media - Got cheated when applying for home loans. And this makes me sad and furious. I [...]

By |2026-03-13T12:29:31+08:00September 1st, 2021|Credit Health & Loan Approvals|0 Comments
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The difference between CCRIS & CTOS?

The difference between CCRIS and CTOS report is the information provided by both reports. CCRIS report has limited information provided and limited to all the loans provided by the banks in Malaysia. The CTOS report has a more comprehensive range of information that includes all the information in CCRIS, some other telecommunication companies, water [...]

By |2026-03-13T12:29:23+08:00May 15th, 2021|Credit Health & Loan Approvals|0 Comments
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Housing Loan Eligibility Malaysia

Question For Housing Loan Eligibility. Hi there. I have a net 3000 salary. Basic is 3200, with an allowance of RM150. I wish to know am I eligible for a housing loan. This is my first home. The car loan is going to complete in 2 months. I have a PTPTN loan, which I'm [...]

By |2026-03-13T12:28:55+08:00September 8th, 2020|Credit Health & Loan Approvals|0 Comments
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