people i need some serious advice...similar to many stories/examples, i have outstanding CC debt with 3 banks..total abt 18k.....didnt realise it until recently when i return to msia....called up banks to check and was told no payment in the past 2 years...not even min payment....now i need to get a housing loan. My questions:
1) Im pretty sure my record will be charcoal black in citris....what abt ctos?

2) Did some research, was told i 'might' be able to get a loan frm mbsb. I'll be going to retrieve my cicris n ctos record.....my concern is....will 18k go into ctos? cos i was told mbsb will check ctos....but will they check cicris?

3) In the application form there's a column to declare outstanding debt with other banks.....should i declare or not? Since if they dont check cicris and if...IF im clean in ctos

4) Any other co-op/financial institution will approve my loan? Heard that bank islam is not so strict?

Im currently earning fix salary of 10k a mth with no other loan/financial committment other than the 18k outstanding.

Appreciate any advice. Thanks.

Yes i shd be able to clear all within 6 mths, but found a house below value which i wanted to take up the offer immediately....of course the straight forward way is to clear all 1st b4 looking for a house...but then i would've missed out on a good deal.....sigh....anyway thanks for your reply