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.

Panduan Pulih Selepas Ditolak

Apa yang perlu dibaiki selepas pinjaman ditolak di Malaysia

Panduan ini membantu peminjam mengenal pasti halangan yang berkemungkinan, menghentikan kesilapan berulang, dan membina semula fail sebelum penghantaran seterusnya.

Urutan pemulihan

Cari sebab sebenar dahulu

Jangan anggap setiap penolakan ialah masalah yang sama. DSR, kualiti fail, dan dokumen lemah memerlukan pembaikan yang berbeza.

Jeda permohonan baharu yang tidak perlu

Permohonan berulang tanpa perubahan biasanya mewujudkan lebih banyak tekanan fail, bukan peluang yang lebih baik.

Baiki halangan yang spesifik

Itu mungkin bermaksud merendahkan komitmen, memperbaiki dokumen, atau memberi lebih banyak kitaran bayaran bersih.

Masuk semula melalui laluan yang lebih baik

Percubaan seterusnya patut sesuai dengan profil yang anda ada sekarang, bukan profil yang anda harap untuk tunjuk.

Langkah yang biasanya membantu

Semak semula CCRIS dan CTOS

Kira semula DSR dengan jujur

Kemaskan bukti pendapatan dan penyata

Rendahkan jumlah jika kemampuan ialah masalah sebenar

Perlukan diagnosis fail?

Kami semak sama ada isu utama ialah DSR, bukti pendapatan, fail kredit, atau pemilihan laluan yang salah.

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