CCRIS, CTOS, Blacklisted by Bank, Whats The different.
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 Apr 17 2015, 08:41 PM
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#1
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Junior Member
318 posts Joined: Dec 2006 From: israel 
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I'm under akpk programme for 3 years already with monthly commitment rm700. Salary near 9k. I checked ctos is clean, ccris record for 10 loans (all under akpk) also 0 for past 12 months. Since i'm under akpk i have no other commitment. Is it possible to get home loan? Recently i applied personal loan 50k just to clear akpk balance but was rejected.
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Apr 17 2015, 08:59 PM
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#2
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Junior Member
318 posts Joined: Dec 2006 From: israel
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QUOTE(Wongchoy @ Apr 17 2015, 08:52 PM) As long as you are still under DMP, you won't be able to apply for loans. How if join home loan with wife? |
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Sep 10 2016, 10:41 PM
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#3
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Junior Member
318 posts Joined: Dec 2006 From: israel
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Hi..
For CCRIS under the 'Application for Credit' section what does the status 'Approved by FI' mean? |
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Sep 11 2016, 07:55 AM
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#4
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Junior Member
318 posts Joined: Dec 2006 From: israel
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QUOTE(aromachong @ Sep 11 2016, 03:57 AM) Approved by your bank means it's approved FI is who? Customer?accepted by customer - mean it's accepted by you two different case I notice in the ccris status got these stages. Do i put the meaning correctly: Pending - pending by the bank Pending acceptance by customer - bank offer but not yet signed by customer Approved by FI - accepted by customer |
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Sep 11 2016, 07:59 AM
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#5
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Junior Member
318 posts Joined: Dec 2006 From: israel
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QUOTE(lifebalance @ Sep 10 2016, 11:34 PM) Yes it means the loan is approved and it's not taken up yet. If taken up then will start to pop up in the credit facility. Taken up means what? Sign the loan offer? It can also mean the loan is approved and it's not taken up yet but will need the remove it from the bank queue system in order to apply for your next loan for approval. Once sign the loan offer then next month ccris will move the status from 'application for credit' to outstanding credit'? Or wait until first disbursement? |
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