Conventional Bank Loan
Personal loan and debt consolidation assessment for suitable salaried applicants.
Malaysia-Wide Loan Eligibility Check
Check if your profile is ready for bank submission.
For Malaysians looking for debt consolidation, personal loan, government staff loan, or SME loan assessment.
CY CHIN CONSULTANT (FINCORE)
Malaysia-wide
Mon-Fri, 10am-6pm
No approval is guaranteed. Final approval, rate, and amount are subject to the bank's assessment.
Services / 服务 / Perkhidmatan
Loan options we can help assess.
Islamic Financing
Shariah-compliant financing options, subject to profile and bank criteria.
Government Staff Loan
Assessment support for government, GLC, teacher, and stable public-sector profiles.
SME Loan
Business owner and SME loan pre-check, subject to profile and supporting documents.
Before You Apply / 申请前 / Sebelum Mohon
Best fit for stable salaried applicants.
Usually suitable
- Malaysian citizen
- Age 25 to 55
- Fixed salary credited to bank
- MNC, government, teacher, doctor, manager, or stable salaried role
- Payslip, EPF, CTOS, or bank statement available if requested
- CTOS / CCRIS has no serious issue
- Working more than 6 months
Usually difficult
- AKPK, legal case, or bankruptcy
- Cash salary or e-wallet salary
- Serious late payment record
- New job less than 6 months
- No supporting document when the bank needs it
- Very high commitment ratio
中文说明
适合有稳定收入、薪水进银行、想整合卡债或申请银行贷款的客户。 CTOS、payslip 和 EPF 有的话会更容易评估，但不需要一开始就马上提供。
Bahasa Melayu
Sesuai untuk pelanggan dengan pendapatan stabil, gaji masuk bank, dan ingin semak kelayakan pinjaman bank atau penyatuan hutang.
Meet CY
Watch this before checking your loan eligibility.
A short introduction to how the basic assessment works. You can check first, and only prepare CTOS, payslip, EPF, or bank statement later if your profile looks suitable.
CTOS / CCRIS Review
We look at the profile before recommending the next step.
Some customers may still have options depending on salary, commitment, repayment pattern, bank policy, and supporting documents. This is an assessment first, not a guaranteed approval.
Eligibility Check / 资格评估 / Semakan Kelayakan
Answer these questions first.
This helps us understand whether your profile is more suitable for personal loan, debt consolidation, personal loan, government staff loan, or SME loan.
FAQ / 常见问题 / Soalan Lazim
Common questions before checking eligibility.
Can I apply if my CTOS score is low?
It depends on the reason behind the score, repayment pattern, commitment level, salary, and bank policy. A low score does not always mean no option, but approval is not guaranteed.
Do I need to send CTOS, payslip, or EPF immediately?
Not at the first step. You can complete the eligibility check first. If your profile looks suitable, we may request documents later to review the case more accurately.
Can AKPK, legal case, or bankruptcy apply?
These cases are usually difficult for bank submission. You may still ask for general guidance, but they are not treated as priority bank-loan cases.
Is approval guaranteed?
No. Final approval, interest rate, tenure, and loan amount depend on bank assessment, CTOS / CCRIS, DSR, documents, income, and internal policy.
What type of customer profile is preferred?
Stable salaried applicants such as MNC employees, government staff, teachers, doctors, managers, and stable salaried employees with salary credited to bank are usually easier to assess.
Privacy Notice
Your information is used for eligibility assessment only.
Any information you submit is used to review your basic loan eligibility and communicate with you about suitable options. Your personal information will not be sold. Documents such as CTOS, payslip, EPF, bank statement, or IC should only be provided when you are ready for a proper assessment.