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Facts You Should Know of Personal Loan in Malaysia

Introduction to Personal Loans Personal loans are one of the most popular financial tools in Malaysia, providing individuals with the opportunity to borrow money for various purposes such as debt consolidation, emergencies, or major purchases. Before applying for a personal loan, it’s essential to understand the various factors involved in the process, including interest rates, […]

How Much Can I Borrow For A Home Loan In Malaysia

If you’re considering buying a house in Malaysia, one of the first things you’ll likely consider is housing loan eligibility. Knowing this information is crucial because it can help you determine what kind of property you can afford and how much you’ll need to save for a down payment. The money you can borrow for […]

How to Calculate Debt Service Ratio

Many people nowadays decide to get a loan for numerous purposes. Whether it be a business loan, a mortgage loan, real estate, health, or other purposes, the number of lenders increases drastically. A study has found that with each year, the debt-to-GDP ratio decreases significantly. That may be because banks nowadays offer numerous benefits and […]

Buying a home in Malaysia? Know your eligibility for a home loan

  Becoming a new property owner comes with many benefits. You can do whatever you like without pressure from the landowners. However, if you cannot purchase a home with cash (especially in today’s economy), you can use a housing loan to help you buy your first property. However, to get loan approval, you must meet […]

EPF savings as collateral for emergency loans won’t involve withdrawals

Prime Minister Datuk Seri Anwar Ibrahim speaks during the World Water Day 2023 celebrations at Stadium Indera Mulia in Ipoh March 11, 2023. ― Picture by Farhan Najib The Malaysian government has taken a step to assist its citizens who are struggling financially due to the ongoing COVID-19 pandemic. The government has approved the use […]

Top 7 Reasons Your Home Loan Application Got Rejected in Malaysia

Mortgage and housing loans in Malaysia are among the most common personal loans for Malaysians. However, most mortgage applications face rejection for various reasons, such as credit card debts, poor credit history, bad credit scores, etc. Fortunately, you can get approved for a mortgage loan with some tech knowledge and financial planning. Gone are the [...]

Comprehensive Guide to the Best Credit Cards Available in Malaysia

A credit card is one of the most popular and convenient ways to pay for items worldwide, and Malaysia has not been left behind. It has a wide range of credit cards available, each with its benefits and drawbacks. This makes it challenging to figure out which is best for you without incurring high-interest rates. [...]

Best Cashback Credit Cards in Malaysia

According to the report, Malaysians are willing to spend more; hence, the number of credit cards in circulation is rising. Although Malaysian banks offer different credit card types, the cashback credit card is the go-to for eligible citizens. Malaysian cashback credit cards incentivize you to use credit cards and earn cash rebates from your spending rather [...]

Our Top Picks on Personal Loans to Fit Your Needs and Budget

What is meant by a Personal Loan?  A personal loan is a line of credit or financing amount extended by a bank, credit union,  or other lending institutions to a borrower as a lump sum or principal loan amount. The secured loan is payable in monthly installments or a fixed monthly repayable amount, which includes […]

5 Reasons to Use Credit Card Payment

The significance and relevance of having actual cash on you at all times cannot be overstated. When payment methods are brought up in conversation, we often see debates in favor of or against each payment option. Some people still believe that using a credit card is bad for you, mostly because of credit mismanagement. We will explain reasons why you […]

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