guys,

I have a question here.

is there any online portal, etc that I can check CCRIS and CTOS?

guys, do you think I in any of those 2 if I din pay Streamyx bill? hahaha. It was old story when I was studying lah. ..

I have no other loan except car and cc. I always pay CC and car monthly and sometime is over the due date but absolutely pay everymonth.

do you think I in those 2?

Hi Seng_Kiat,
For CCRIS, you may check at Bank Negara Malaysia (FOC).


http://propertyinvestment.propertyintensive.com

This post has been edited by Chung80: Apr 13 2010, 12:26 AM

Hi all, please help me to evaluate the financial status of my sister and mine as we applying a housing loan of RM100K:

Both of my sister and I are working in Singapore, respective salary are S$2400 (after CPF and other contributions is only S$1700) and S$1500 (nett).

I don't have any loan or obligations, every month can have few hundred SGD left. However for my sister, she has many obligations on loan and credit cards as follows:

1. Malaysia UOB credit cards: outstanding RM1K, do not pay every month but pay lump sum once a few months
2. Singapore education loan: S$270 per month for 3 years
3. Singapore credit cards: every month paying total S$650 for few cards, all are under installment scheme when signing package for buying laptop, beauty and skincare services...
4. Singapore insurance: S$110 per month
5. Malaysia insurance: RM100 per month, do not pay promptly as outstanding sum will be deducted from profit of investment

So in fact she needs to pay up S$1000+ each month and left very little. She makes all payments each month but always late after due date.

We are wondering if Singapore and Malaysia has any sort of 'link' system so that my sister's bad records will be tracked? Please advise our possiblilty of getting loan.

Thank you.
JY

They wouldn't be any link if you're asking about the linkage; thus banks wouldn't know your specific "debt" overseas.

However, you have to evaluate yourself whether or not you guys yourselves have the ability to repay what you want to loan.

But looking at what you specify above, don't think you guys are ready yet.

UOB bank won't check their subsidiaries in Malaysia before approving loan for Malaysian in Singapore?

Don't think so.
Don't think UOB or OCBC does that.
Imagine if this is not a Singaporean bank but an international bank like Citi, HSBC etc.... I don't think they would cross check against so many countries. Unless obviously the said person is in their so called AML or Watch List.

Referring to you Question 1, your repayment record for UOB Credit Card might with adverse CCRIS as you only pay lump sum once a few months. Borrower's repayment record for all the loans are very important as this will show the Characteristic of the borrower.

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guys, will ccris show cc that i have but not activated?

Yes, it will.
It show up under Application for Credit portion.

This post has been edited by roy918: Apr 15 2010, 07:27 PM

mean it will show all the detail rite, so how long it will be there? till we terminate the cc?

Your credit card application will pop up in the Application for Credit section for 12 months.
After 12 months, it will be removed. Same goes to the other credit facility application.

For CCRIS, you can go to BNM headoffice in Jalan Dato Onn and go to the building on your left as you enter. There they provide a pc which you just need to slot in mykad (same like generating epf statement). You can print the report FOC.

CTOS - you can go to their office in Jalan Yap Kwan Seng and pay for the report.

Did my CTOS report recently. No charges for CTOS.

yewjin:
Really? That's Good! Which means it is FOC to check the CCRIS and CTOS as well.

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10s for sharing. Indeed, it's great to know that as a consumer. ^^

ccris mean u have a bad record payment.
e.g u have RM1000 outstanding on jan and u pay on feb RM500, but following months u didnt pay. then ccris will be counted.

Do not MISLEAD others.
If you do not know that much, at least take some time to go over the topic before responding.

CCRIS is not all about bad payment record. CCRIS is a BNM centralised repository where banks would report all the customers loan facilities to the BNM regardless whether or not they missed any payments.

thanx to correct me , anyway i jus make a simple way to let them understand not misleading them . i shows tat eg.

I just wonder if I can pay to CTOS to ask them to remove / delete my records (history) in their database. Since they are doing it for money as well. Don't tell me they are keeping all those database for charity and for the banks sake.

if everyone can pay to erase their record, then the banks will not use their service anymore..