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.

Can commission income be accepted?

Yes, if the inflow pattern is consistent enough and supported by clear records.

Should I use my highest month to apply?

Usually no. A more realistic multi-month average is often safer.

Yes. They often strengthen the credibility of variable earnings.

Topic Guide

Commission Income Borrowers Guide

A practical guide for agents and commission-based earners on how to prepare a stronger, more explainable income file.

Consistent credits

Best evidence

6-12 months

Useful window

Highly uneven months

Big risk

Explainability

Goal

What makes commission income bankable

Show recurring inflow

Lenders usually care more about recurring credits than one-off strong months.

Support with statements or payout records

Commission slips, remittance advice, or platform statements help make the pattern credible.

Separate business and personal cash noise

Mixed transfers with no explanation weaken the file.

Use a realistic monthly average

A sensible averaged figure often works better than presenting only the highest earning month.

Helpful supporting proof

Commission statements

Bank credits over 6-12 months

Agency or contract proof

Tax support where available

What weakens the file

Only showing one strong month

No banked trail

Cash-heavy income with no explanation

Large amount request despite unstable average

Useful next reads

Self-employed income proof guide Eligibility test Review methodology

Need a more precise review?

We review file quality, affordability, and route fit so the next step is more realistic before any formal submission.

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