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.

Q1 2025: Loan Approval Snapshot

Using anonymised pipelines from partner banks, we reviewed 1,248 applications (home, personal, business) submitted between January and March 2025.

Approval Rate by Product

| Product | Approval Rate | Notes | |---------|---------------|-------| | Home Loans | 63% | Higher approvals for joint borrowers with combined income > RM8k | | Personal Loans | 54% | Strong bias towards salaried applicants with 6+ months tenure | | SME/Business Loans | 41% | Cashflow statements required in 78% of successful cases |

What Helped Applicants Win

DSR sweet spot – approvals peaked at 45% – 55% DSR. Above 60% dropped approval odds by 28%.
Industry resilience – healthcare, oil & gas, and digital services enjoyed 10% higher approvals.
Documentation completeness – applicants who uploaded supporting docs within 48 hours saw 2x faster approvals.

Signals That Triggered Declines

Unresolved PTPTN obligations were cited in 18% of rejections.
Gig income without bank statements led to automatic declines in 70% of cases.
Multiple enquiries (4+ in 60 days) lowered scorecards significantly.

How to Use This Insight

Benchmark your own DSR using our eligibility test.
Prepare a clean documentation pack before submitting.
If self-employed, show 6 months of consistent revenue in one bank account.

About the Dataset

Period: 1 Jan – 31 Mar 2025
Region: Major urban centres in Peninsular Malaysia
Sample: Mix of Tier-1 and Tier-2 banks

Need personalised odds? Our analysts can simulate your approval probability using your CCRIS data.

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Q1 2025 Loan Approval Trends: Which Profiles Banks Approved