Can anyone help to comment or give your thoughts on this?

Hi refer to my ccris report. In your opinion based on this what are my chances to apply for new hire purchase loan? or refinance the existing mortgage loan?

Just want to share:
I'm 37 years old. As long in my life, I never applying for any CC or  any loan at any bankers. Last friday was my first time in my life history to apply a loan from banker for my second-hand car. Loan made for RM26,500. With 5 years pay back. Before my SA submitted my loan, I have survey a lot of used-car company. One thing that I will ask from all the SA that I meet is "Which bank did you going to submit my loan?". And the answer from them was PBB or CIMB but mostly PBB will be easy to approved the loan as they said to me.

So on 19/12/2013, I give my documents to the SA to submit loan at CIMB and PBB, such as photocopy of IC, Driving License, 3 Months Payslips, Company Confirmation Letter, Bank Statements(CIMB), Bank Saving Account Book(PBB), CTOS Self Check Reports and CCRIS Reports. My bank statements and saving account book not strong like others, monthly in and out around 3k-4k only as stated in the statements.

My CCRIS clean like a tau-fu(wat suet~suet, wat lit~lit) Nothing stated on my CCRIS. BUT my CTOS stuck at P1.com and Digi.

But everything goes smooth when PBB call me on 23(Monday), after they verify that I'm was a borrower for this car loan and at last they said "Thanks for choosing PBB, your loan have been approved. Please refer back to your SA to follow up the next procedures". After that I call my SA and said that my loan have been approved and the SA ask me to wait around 1 hour before he call back to me because he want to call the PBB credit department to confirm my statues. After not reach half hour, the SA call me back and said that my car loan confirmed approved by PBB.      

On the same day SA ask me to go to their garage to sign a lot of bank agreements and on the following day I have collect my car after they renew the road tax and insurance.

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I think nowadays some of the bank will consider our car loan even we have CTOS record but depends on what cases. Like me, I didn't settle my p1.com and digi on the time my car loan approved by PBB.     

just had an issue with CIMB Bank

i had lapse monthly payment few years ago with cimb but managed to clear the loan to 0 lapse and full settlement/account closed and received the settlement letter from bank on march 2011.

early this year i bought a house and got loan from hong leong bank with no problem..
last month i book another property and tried applying loan from cimb and some other banks..just received call from agent that cimb rejected my loan because i got record with them..

meaning im totally blacklisted from CIMB like forever??
i have only 1 loan that is from hong leong bank. and my ccris is clear
does bank do this??

I guess the CCRIS shows how many property one is servicing. Does it stated types?

Hello,

Seek some advise from you guys.
I'm a first time home buyer that currently applying the loan. But, I'm facing several issues.

1. My banks says my details was not captured in CCRIS. They can't process my loan.
2. Called Bank Negara, they said first time loan user will not have their details captured. Shall respective banks act on behalf.

What should I do further to clarify my standing as the deadline to resolve my loan is around the corner. Thanks!