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.

How PTPTN Affects Home Loan Approval

Since PTPTN integrated with CCRIS, unpaid education loans are one of the top reasons young buyers get declined.

How Banks Read PTPTN in CCRIS

Shows as "Education Loan" facility with 12-month payment history
Any arrears > 3 months trigger red flags in automated scoring
Default status remains until full settlement or restructuring

Your Options

Reschedule with PTPTN
- Apply for UJRA schedule to stretch instalments
- Must show 3 consecutive payments before reapplying for mortgages
Partial Settlement
- Pay down at least 30% of outstanding amount
- Request confirmation letter to upload with bank application
Income-Based Repayment
- Link auto deduction to EPF or payroll
- Bank views automatic deductions more favourably

Case Study

Nadia, 29: Owed RM24,000 PTPTN with 8 months arrears. After entering UJRA, she paid RM600/month for 4 months. We then reapplied with a joint borrower; bank approved RM420k home loan.

Checklist Before Applying for a Mortgage

[ ] Obtain latest PTPTN statement
[ ] Clear arrears or sign restructuring agreement
[ ] Update CCRIS (takes 14 working days)
[ ] Prepare explanation letter + receipts

Need someone to negotiate with PTPTN and banks? Our team handles both ends so you can focus on the property hunt.

Fix Your PTPTN, Secure Your Home Loan →

PTPTN Loan Impact on Home Loan Approval: 2025 Playbook

How PTPTN Affects Home Loan Approval

How Banks Read PTPTN in CCRIS

Your Options

Case Study

Checklist Before Applying for a Mortgage

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