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.

DSR tinggi masih boleh diperbaiki?

Ya, tetapi biasanya melalui pelan pemulihan berperingkat, bukan permohonan baharu yang tergesa-gesa.

Pendapatan lebih tinggi menyelesaikan DSR secara automatik?

Tidak semestinya. Komitmen sedia ada dan kualiti fail tetap penting.

Apa yang paling membantu dahulu?

Pengiraan semula yang jujur dan peta komitmen bulanan yang lebih jelas.

Panduan Topik

Panduan Pemulihan DSR Tinggi Malaysia

Panduan praktikal untuk peminjam yang nisbah debt-service mereka sudah terlalu tinggi untuk laluan yang mereka mahukan.

< 60-70%

Sasaran biasa

Commitment pressure

Isu utama

Recalculate honestly

Langkah terbaik

Guess and apply

Langkah salah

Cara pulih daripada kedudukan DSR tinggi

Kira semula setiap komitmen dengan betul

Peminjam sering meremehkan minimum kad dan obligasi berulang yang tersembunyi.

Kurangkan beban bulanan dahulu

Laluan yang mengurangkan tekanan bulanan mungkin lebih membantu daripada memaksa kemudahan besar baharu.

Elakkan hutang baharu ketika membaiki

Mencuba menambah pinjaman baharu di atas DSR tinggi biasanya memburukkan fail.

Masuk semula dengan laluan lebih kecil atau lebih sesuai

Langkah terbaik seterusnya mungkin penyatuan, pembersihan, atau menunggu, bukannya permohonan terus.

Apa yang perlu dipetakan

Semua ansuran

Minimum kad

Pendapatan bersih

Sebarang pilihan pengurangan hutang

Apa yang memburukkan masalah DSR

Meneka nisbah semasa

Memohon tanpa pengiraan semula

Mengekalkan hutang jangka pendek mahal yang aktif

Mengabaikan tekanan bulanan

Bacaan seterusnya

Panduan penyatuan hutang Bandingkan pinjaman Ujian kelayakan

Perlukan semakan yang lebih tepat?

Kami semak fail, kemampuan, dan kesesuaian laluan supaya langkah seterusnya lebih realistik sebelum sebarang penghantaran rasmi.

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