What is included in the Eligibility Analysis Package?

Our RM30 Eligibility Analysis Package includes: complete credit report analysis (CCRIS & CTOS), DSR calculation and assessment, loan approval chances evaluation, maximum loan limit estimation, issue identification with solutions, personalized bank recommendations, and full explanation with guidance. You receive a comprehensive report within 24 hours.

Do you guarantee loan approval?

No, we do not guarantee loan approval as the final decision rests with the banks. However, our analysis significantly improves your chances by identifying potential issues beforehand, recommending the right banks, and helping you present a stronger application. Our clients have an 85% success rate when following our recommendations.

What other services do you offer besides the Eligibility Analysis?

We offer several additional services: DSR Consultation (RM20) for focused debt ratio optimization, Loan Application Assistance (RM50) for full support from document preparation to bank liaison, and Credit Repair Consultation (RM40) for guidance on improving your credit score and resolving credit issues.

Can you help with all types of loans?

Yes, we can help with various loan types including home loans/mortgages, car loans/hire purchase, personal loans, business loans, and refinancing. Our analysis covers the criteria that banks use for all these loan types.

What is DSR and why is it important?

DSR (Debt Service Ratio) is the percentage of your monthly income that goes towards debt payments. Banks use DSR to assess your ability to repay loans. Most Malaysian banks require DSR below 60-70%. A lower DSR means higher borrowing capacity and better approval chances.

What is a good DSR percentage?

Generally: Below 30% is excellent (best rates available), 30-40% is good (most banks approve), 40-50% is moderate (some restrictions may apply), 50-60% is high (limited options), and above 60% is critical (most banks will reject). We recommend keeping DSR below 50% for optimal approval chances.

What is CCRIS and CTOS?

CCRIS (Central Credit Reference Information System) is maintained by Bank Negara Malaysia and contains your credit history with financial institutions. CTOS (Credit Tip-Off Service) is a private credit reporting agency that provides credit reports. Both are used by banks to assess your creditworthiness.

How can I improve my DSR?

You can improve your DSR by: paying off existing debts, increasing your income, avoiding new debt commitments, consolidating multiple loans into one, settling credit card balances, and negotiating lower interest rates on existing loans. Our DSR Consultation service provides personalized strategies.

What affects my credit score?

Your credit score is affected by: payment history (late payments, defaults), credit utilization (how much of your credit limit you use), length of credit history, types of credit accounts, recent credit applications, and outstanding debts. We analyze all these factors in our report.

How long does the analysis take?

Most analyses are completed within 24 hours after we receive your complete information. For complex cases or during peak periods, it may take up to 48 hours. We will notify you immediately once your report is ready.

AKPK Debt Management Programme (DMP) 2025 Guide

If juggling multiple credit cards and personal loans keeps you up at night, AKPK's DMP can pause the chaos.

Eligibility Checklist

Malaysian aged 21+
Total debt < RM150,000 (excluding housing loan)
Not under bankruptcy proceedings
Still employed or with steady business income

Documents to Prepare

Latest CCRIS & CTOS reports
Payslips / income proof (3 months)
Copies of offer letters & statements for each debt
NRIC + marriage cert (if debt shared)

Process Timeline

Register online – pick counselling slot
Counselling session – cashflow assessment + proposed plan
Proposal to banks – AKPK negotiates lower interest (often 0% – 6%)
Sign agreement – single monthly payment via standing instruction

Typical Outcomes

Interest reduced by 50% on average
Tenure extended 3–10 years
Accounts flagged as "under DMP" in CCRIS (neutral once payments consistent)

AKPK vs Debt Consolidation Loan

| Scenario | Choose AKPK | Choose Consolidation | |----------|-------------|----------------------| | Income unstable | ✅ | 🚫 | | Need fastest credit recovery | 🚫 | ✅ | | Want to keep credit cards active | 🚫 | ✅ |

Professional Tip

Even after entering DMP, set reminders to request AKPK status letters every 6 months—banks often ask for them during future loan applications.

Not sure if AKPK is right for you? We compare AKPK, consolidation loans, and balance transfers based on your numbers.

Book a Debt Strategy Call →

AKPK Debt Management Programme: 2025 Guide to Regain Control