You have any valuable stuff at home to be sell or pawn?

The amount is not much and only RM 5k.. Go and borrow from family or friends

I've lend and borrow 5 figures from friends before.. 1 year monthly repayment with no interest

This post has been edited by -PuPu^ZaPruD3r-: Oct 21 2025, 03:53 PM

I do have some gold

Would you be able to utilize the fund in the our EPF - the 2nd or 3rd account ? If can, utilize it first.

if i were you, i'll stop browsing lowyat and ask for opinion.
go work part time, any job will do while searching for a permanent job.

EPF Acc 3 since the amount is small

Where got so low..

withdraw epf for housing loan?

Exactly, as long as getting monthly salary, at least can buy basic necessity or pay some bills

Kwsp Account 2 for housing loan repayment.

sell the gold to pay the debt. now it is good sell window

5k only....long way to AKPK

Maybank got 0% interest lol. Ezycash.

me too. tapi final amount he return late by 2-3 month
so i black him liao

if kena i would apply tng, gx, sloan, boost,and so on

1. Call the bank and work out a payment plan. Its do-able as you can show you have a job already and willing to get back into good standing
2. Borrow from friends/family, 5k is not that big of an amount.
3. Apply for flexicredit from gxbank? https://gxbank.my/flexicredit
4. Withdraw from EPF account 3 if you have it.

#2 is the preferred option la, its the easiest to do.

Just 10gram is enough for 5k

Pawn, don't sell.

if ada issue sama home loan, do discuss with the bank. alternatively, can use ur "epf" acc2, if ada that xtra.
don't take anymore loan, or you will get into more deep shit. ur cc oledi up to max, can ur monthly salary cover this n that??

To ts, akpk is the best.

But u can also nego with the bank first. Sudah call mereka tanya?

For what purpose ?