Check Eligibility

Articles · Loan guides

Plain guides to borrowing in Malaysia.

Practical explanations of how banks assess loan applications, how instalments are calculated and what to consider before you apply.

General information to help you prepare. It is not financial advice, and every bank applies its own criteria.

Two people going through a printed report with bar charts
Credit & CTOS

How CTOS and CCRIS affect your loan application

CCRIS and CTOS are two different credit reports. Here is what each one shows, what banks tend to focus on, and how to check your own records before you apply.

Check your eligibility

Share a few details and a consultant will review which of our partner banks fit your profile. No fees are charged to submit an enquiry.

Preferred contact

Submitting an enquiry does not create an application. Approval remains with the bank.