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CCRIS, CTOS, Blacklisted by Bank, Whats The different.
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lyynalay
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 Feb 23 2011, 03:10 PM
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New Member
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1) I have one cc long outstanding and turn to legal case already for 16k but the bank offered to settle at 8k. so, i settle the 8k by installment at rm500/mth. last payment was jan 2011. this is already reflected in the ctos.
2) 2nd case was long outstanding with cc also but converted to term loan. called the bank yesterday for finally settlement and make the full payment yesterday itself. i think since the amount is on RM800++, so this is not in CTOS but in CCRIS under 'special attention account'
for both cases, i still waiting for the release letter.
I plan to apply for housing loan, any chance for me to get one ? or i must wait. the developer want me to pay rm1k as booking fee (not refundable) . i worry i cant get my loan approved.
Advice please !
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lyynalay
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Feb 24 2011, 05:04 PM
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New Member
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QUOTE(zairee2580 @ Feb 23 2011, 04:56 PM) Call CC "might" get you to increase limit temporary.... With 7k paycheck you can get min of 10k limit. Ask them a proper way to increase limit. You need to know also that once you have a cc n have a clean payment, other bank are asking you to open more cc. but keep in mind that having more than 1 cc need to pay more gov tax... You might try using joint account... or bank will just trow your application strait away... not possible to apply using joint account. anyone have this experience. care to share which bank is more lenient ? do you think it is possible if i submit my loan together with the settlement letter ? |
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lyynalay
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May 4 2011, 05:52 PM
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New Member
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QUOTE(alangking_306 @ May 3 2011, 09:45 PM) for the month 4 until now i am struggle to do a home loan,coz of i have a blacklisted by ctos, i paid all my debts and i trying to do a home loan hsbs rejected saying i dont have any ccris so they cant give a loan,mbsb (bank tong sampah) give a reason that i paying all my debt for taking a loan ( sure what), i dont know how to do today try few more bank hopefully i got that loan for a better life,,, 1 rumah 1 keluarga ?????  I am also in the same dilemma. still waiting for 2 banks to give me the news. hopefully good news. |
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