my debt is housinf loan, i just want to ask why we buy one house need to pay 2 house prices in long run, the interest is high

my debt is housinf loan, i just want to ask why we buy one house need to pay 2 house prices in long run, the interest is high

why so many people nowadays face debt issue?

why so many people nowadays face debt issue?

yup. uob bank also offered me quite a great discount.. RM9XX become RM5XX.

I am same with you. now look for some discount and wish to settle it

Just now called with Citibank AKPK department, at first the girl die die also said no discount. then i asked her to talk to superior , she later then told me can discount like this:
RM4220 ---> RM4,000
RM1330 ---> RM1,200

should i accept or anyone know how or who should we contact in order to get higher discount ? I think this girl's department seems like not that know the waiver or discount. Please advise. I want to settle asap.

And also RHB and Hong Leong, is there any discount or waiver?

Hi wanna ask, can i choose which debt i want to enroll into AKPK? Because i managed to reschedule few mainly HP. So would like to know whether i can just enroll Personal loan and credit card only into AKPK.

why so many people nowadays face debt issue?

'

haha... this is not related to akpk. bank also need to earn money... u happy to get a houes, bank happy to earn your money

update abit of my case. 

Hong Leong bank has fully settled without paying a single cent (but i guess i might overpaid less than Rm100 lah).

Citibank called me today and told me RM4500 for both ..as I request RM4000, So im ok with the amount. I had just transferred and settled the loan. wait letter (duno how long it has to be)

LEFT RHB, based on research in forum and cari forum, no people said RHB will allow discount. So I think I will just pay the remaining without asking anymore.. THat day the guy apa Nazir stands so firm , " Wont have discount even you write in letter "

Hi, may I know which  tel number to call for asking discount?
I also planning to settle my 2 citibank credit card.

0323834500. normally they will say 10%

Hi I was looking at my internet banking and it seems I can make payment to the bank direct for CC outstanding amount. Since I am under AKPK am I allow to do that? I was thinking whenever I have extra money I will pump direct so that the amount will be reduced faster. But I am allow to do that? Would bank take in the excess payment?

Hi I was looking at my internet banking and it seems I can make payment to the bank direct for CC outstanding amount. Since I am under AKPK am I allow to do that? I was thinking whenever I have extra money I will pump direct so that the amount will be reduced faster. But I am allow to do that? Would bank take in the excess payment?

CTOS  and CCRIS  are different
https://www.comparehero.my/banking-finance/...ween-ccris-ctos

you can apply ccris online now
https://ringgitplus.com/en/blog/personal-fi...is-reports.html

after my ccris cleared, i applied 2 mbb credit card and approved. i think they approved fast because my company bank in my pay into mbb acc and i also got fd with mbb .

Bro, i got my CCRIS report. Only show my House loan. Nothing stated at the bottom. Does it means it has cleared?

clear...

i think its better you saving then when get big saving amount you can ask for settlement

this you can save some inerest charge.

Bro, i got my CCRIS report. Only show my House loan. Nothing stated at the bottom. Does it means it has cleared?

yes. you are FREE now