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.

Gaji RM3,000 masih boleh layak?

Kadang-kadang boleh, jika komitmen rendah dan jumlah diminta munasabah.

Gaji lebih tinggi sentiasa menyelesaikan kelulusan?

Tidak. Kualiti fail, komitmen, dan dokumentasi tetap penting.

Patutkah saya rendahkan jumlah sebelum mohon semula?

Selalunya ya, terutamanya jika kemampuan ansuran ialah halangan utama.

Panduan Topik

Gaji Minimum Pinjaman Peribadi di Malaysia

Panduan praktikal tentang julat gaji yang biasanya menyokong permohonan pinjaman peribadi kecil, sederhana, atau lebih besar sebelum komitmen sedia ada dikira.

RM2k-RM3k

Julat permulaan biasa

< 60%

Sasaran DSR lebih selamat

3 clean cycles

Tetingkap fail lebih baik

Check salary vs debt

Langkah pertama terbaik

Cara menilai julat gaji anda dengan betul

Mulakan dengan pendapatan bersih, bukan gaji kasar

Lender mengambil kira baki selepas potongan dan komitmen berterusan.

Masukkan minimum kad dan ansuran dahulu

Gaji sahaja tidak mencukupi apabila hutang sedia ada sudah menggunakan kebanyakan kapasiti bulanan.

Padankan jumlah diminta dengan julat anda

Ramai peminjam ditolak kerana jumlah diminta tidak realistik untuk tahap pendapatan dan kualiti fail.

Gunakan dokumen lebih kemas untuk menaikkan keyakinan lender

Kredit gaji yang stabil dan utilization lebih rendah boleh membuat pendapatan yang sama kelihatan lebih kuat.

Apa yang perlu disediakan

Slip gaji terkini

Penyata bank terkini

Senarai semua komitmen pinjaman dan kad

Jumlah sasaran dan tempoh pilihan

Kesilapan biasa

Meminta jumlah berdasarkan gaji kasar sahaja

Mengabaikan minimum kad

Memohon berulang kali selepas satu penolakan

Menggunakan dokumen pendapatan yang lama

Bacaan seterusnya

Ujian kelayakan Panduan pulih selepas ditolak Panduan pinjaman peribadi

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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