eh your car loan also got lobang? that's gonna raise a red flag too.

The hire purchase looks ok as it's quite consistent.

However note the bottom part which is known as "Special Attention Account" in English.
Did the officer tell you what does that mean?

ME : he said that's nothing problem..i wonder why he said like that? but he advise me to arrange back my credit. That's all


That basically states that you got 2 accounts (should be personal loan) being charged off in year 2008. Have you settle the debt?
If you have you would need to attach the settlement letter.

ME : no settle yet..but i try to make slowly full settlement.

Else I don't think most bank would entertain your application.

ME :

The special attention is the cause for major concern. Your housing loan will definitely be rejected due to this. So unless you have made the settlement in full and this will be taken off the system within 2-3 months, then everything else looks good.

Restructuring your loans also shows that you are incapable of making payments on time so the verdict will be that your loan will be rejected.

Before making any loans - try to settle everything before considering applying for loan.

YES payments should be make before due date and not after else it will show 1.