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 factors to consider before applying for a home loan, including a clean credit record. However, when someone’s CCRIS is too clean, it can also become problematic when applying for a home loan.

If you apply with clean CCRIS to the bank, some banks will reject your application, but some banks will reduce the approval margin to lower than 90%.

The chances of getting 90% approval are extremely low for people with clean CCRIS.

What is Clean CCRIS?

Firstly, let’s identify what Clean CCRIS is.

Clean CCRIS means you do not have any commitments with the bank. That includes personal loans, ASB loans, credit cards, housing loans, etc.

Some banks may have difficulty approving your home loan if you want to buy your first home.

How do we help?

Recently, we received a question from a customer who wanted to buy a house but they don’t have any commitments. Hence, clean CCRIS.

So, we step in and teach them how to go about it and restructure their credit scoring to have better chances with the bank.

Most people believe having a clean CCRIS will make applying for a home loan easier. This fact may have been true in the past.

For now, the bank policy has changed.

Why is it difficult to get a loan with clean CCRIS?

When an individual has a CCRIS that is too clean, they actually face problems in applying for a home loan.

This is due to the fact that the bank wants to see borrower Ccris with loan records and show their ability to pay monthly payments.

When an individual has clean CCRIS, the bank will assume that the individual does not have sufficient credit records and has a high risk of loaning them.

How to overcome Clean CCRIS

There are several steps that borrowers can take if they have clean CCRIS to increase their chances of getting a home loan.

Apply for ASB loan and credit card.

One of them is to apply for an ASB loan and credit card.

The purpose of taking a credit card is not for shopping or spending but to have a credit record that the bank can see in the CCRIS report.

Alternatively, a borrower can apply for an ASB loan with a minimum installment amount of RM100 per month. By taking an ASB loan, the individual can pay the installments regularly, and each installment payment will be recorded in their Ccris report.

This will help improve their credit record and increase their chances of getting approval for a home loan.

After several months, the individual can apply for a home loan.

At this time, the bank will be able to see their debt repayment record in the Ccris report and consider the credit record they have built up.

This will help develop their credit record and ensure that the bank can see their ability to repay debt.

Therefore, the chances of getting approval for a home loan will be higher.

Joint Borrower Application

Another step that can be taken to overcome clean CCRIS is to have a joint borrower application with family members or friends who have a good credit record. 

By doing this, the bank will consider the credit records of both individuals and the joint application when deciding to approve the home loan.

Other Factors Considered by the Bank

Aside from the credit record factor, there are other factors that need to be considered by the bank when evaluating a home loan application. 

These include the borrower’s ability to make monthly payments, income level, employment status, etc. 

Therefore, it is essential for individuals who want to apply for a home loan to ensure that they meet the bank’s requirements before submitting their application.


In conclusion, having a clean CCRIS does not necessarily mean that applying for a home loan will be complicated. 

Individuals who want to apply for a home loan should take steps to improve their credit record, including taking an ASB loan and credit card, making joint applications, and ensuring that they meet the bank’s requirements. 

By taking these actions, they will increase their chances of getting approved for a home loan and fulfilling their dream of owning their own home.

Feel free to contact us for more information on how we can assist you in finding the best home loan options for your unique financial situation.

You can contact us here.

Whatsapp:  https://wa.me/+60126946746

Before you go, check out this article.

A Comprehensive Guide to Home Loans in Malaysia: Which Option Is Right for You?




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