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CTOS

Learn how to manage your CTOS report and
resolve any issues to improve your chances of securing a mortgage or
refinancing deal.

Banyak hutang? Apa kata Refinance Rumah? 12 Perkara Yang Anda Perlu Tahu Sebelum Refinance Rumah 2025

12 Perkara Yang Anda Perlu Tahu Sebelum Refinance Rumah Seakan sudah menjadi lumrah manusia sekarang yang berbelanja lebih dari kemampuan. Gaji sebulan RM3000 tapi berbelanja sehingga RM5000 sebulan. Macamana boleh jadi begitu? Tentunya, ada yang menggunakan Personal Loan ataupun Kad Kredit dahulu, apabila Personal loan dan Kad Kredit dah guna sampai maksimum baru kalut [...]

By |2026-03-13T12:16:03+08:00November 21st, 2023|Refinancing & Debt Consolidation|2 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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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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Top Four Reasons why your home loan might be declined

You’re ready to buy a home, but you can’t find a bank who will approve your home loan. While this might seem discouraging and frustrating, it is not necessarily the end of your dream to become a home owner. Once you know the reason that you are considered a bad risk, you can improve [...]

By |2026-03-13T12:27:12+08:00June 30th, 2017|Credit Health & Loan Approvals|0 Comments
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Fakta-Fakta Menarik Berkenaan Kebankrapan

1. Adakah terdapat amaun minimun yang terhutang oleh seseorang individu untuk menjadikannya bankrap? Ya, pihak pemiutang boleh memfailkan tindakan kebanarapn terhadap anda sekiranya keberhutangan lebih daripada RM30,000.00 2. Apakah kelayakan yang hilang bagi seorang bankrap? Apabila pengadilan/penghakiman dijatuhkan, bankrap adalah hilang kelayakan daripada: (a) Memegang jawatan sebagai Ahli Parlimen; (b) Memegang jawatan sebagai penjawat awam [...]

By |2026-03-13T12:26:44+08:00October 14th, 2016|Credit Health & Loan Approvals|0 Comments
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Everything You Need To Know About CCRIS Report ( Brief Version)

Hi, I guess this is worth sharing and if you're wondering what that information on the CCRIS Report mean, check out the simple, self-explanatory version of CCRIS report provided by Bank Negara Malaysia. It is important to review and understand your CCRIS Report before applying for any bank loan. I promise you, its will help [...]

By |2026-03-13T12:26:22+08:00August 27th, 2016|Credit Health & Loan Approvals|0 Comments
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LATE ON YOUR HOME LOAN INSTALMENTS? BIG MISTAKES!

If you have a housing loan in Malaysia, you might want to read this. Recently, we received an interesting sharing from our viewer, Mr Tan (not a real name), and we thought it might be beneficial to share with everyone. Here it goes. Mr Tan has a housing loan account with one of the local [...]

By |2026-03-13T12:26:15+08:00June 28th, 2016|Credit Health & Loan Approvals|0 Comments
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