As long as everything is cleared in ccris, you can immediately apply

thanks. I have access to eccris. Just sharing to bro @jiwaman and @getajob

This post has been edited by Kiefer: Feb 14 2021, 08:13 PM

Ya CCRIS update every 15th .
Would get CTOS and CCRIS after 15th

Thank you for your update.

Could I know the CTOS score (average) to get housing loan / HR

Banks main source of credit evaluation is from CCRIS. CTOS is like check directorship.

Already check my CCRIS all clear except my current housing loan.
Thinking to refinance to buy 2nd house for investment

Are U Ex-AKPK ?

CTOS have to types..
1) Personal (check self credit report)
2) Business (check SSM)

CTOS, not sure. I apply for access at least 1 year ago, nothing came back to me. So no access "yet"

Mine - 7 years but manage to settle a year earlier.
Currently have one housing loan and going to buy 2nd house.
Is it difficult ? how much chances getting approve ?

This post has been edited by jiwaman: Feb 19 2021, 11:20 AM

How can we check our Ccris record?

chances depends on which bank i think. better chances if the bank has no bad record with.

Hi All..
I've just submitted my application to withdraw from AKPK. Being a member since june 2014.
Reason I have some intention to pay one of the biggest loan amount while the rest I shall continue with banks. My expectation the rest hutang will gradually become lesser in shortest time since I keep paying as normal tenure.

Been paying Rm2800 under akpk since 2014. Pre AKPK amount was close to RM5,000

Will need to wait 7 days until AKPK approves my application.

Question :

1. I even called each pf the bank they wont able to reveal the amount owed under this program all subjects to AKPK consent
2. How do I make my "normal" payment pre-akpk again? I have almost couldn remember what was the outstanding amount since some of the bank didn't send me statement anymore
3. What will be the arrangement and rate upon exiting AKPK. Afraid the banks will still imposing me late charges la penalty you know la they have so many reasons to inply anthing when u are not backed up by AKPK.

Anyone has the experience dealing with this

Question :

1. I even called each pf the bank they wont able to reveal the amount owed under this program all subjects to AKPK consent
ANSWER : Call Collection Dept every bank except Standard Chartered (Redemption Dept) ask for actual amount to do earlier settlement.
2. How do I make my "normal" payment pre-akpk again? I have almost couldn remember what was the outstanding amount since some of the bank didn't send me statement anymore
ANSWER : Have you skipped from AKPK ?
3. What will be the arrangement and rate upon exiting AKPK. Afraid the banks will still imposing me late charges la penalty you know la they have so many reasons to inply anthing when u are not backed up by AKPK.
Exit from AKPK once you have make full settlement every banks , they would update automatically and would remove from your akpk dashboard



My experience (most banks sent me release letter within 24 hours except SC took 2 weeks)
1. Call Collection Dept every bank except Standard Chartered (Redemption Dept) ask for actual amount to do earlier settlement.
2. Pay over counter or pay online (depend on their procedure)
3. Inform them once payment has been made
4. Ask for them for release letter via email and original would be posted to your current address.

Normally once full settlement has been paid they would inform AKPK and would remove from your AKPK dashboard

This post has been edited by jiwaman: Feb 22 2021, 01:25 PM

Thanks for your valuable advises.
My withdrawal have just been approved by AKPK. Not sure what is next except for HSBC

I will settle 1 HSBC personal loan and CC
Remaining - Standard Chartered and CC will continue to serve the loan self arrangement.

I do not want to stay longer in AKPK and decided to self arrange to serve the loan. The amount that I have to pay now once I quit AKPK (upon settling the HSBC loan) will be similar plus the tenure will be shorter.

I am not debt free yet only quitting AKPK as I am now can afford to pay the loan minuses 1 big loan as full settlement. Unlike youi, you have finally settled every loans but I am still not able to do that. Just some liberty to self manage the hutang direct to the bank.

Better with AKPK coz interest (9%) remain and no more hidden charges/ penalty and other charges.
Quitting AKPK is not good option unless you have finally found your best way to settle all your debts.
Good luck !

Today I have settled all HSBC hutang.
The other 2 more loan from other banks they converted to another term loan so I will keep paying as normal.
Under akpk they managed to get the bank to convert 9% and extend to another term. The rates shall remained accordingly (as informed by the bank)
Must now check ccris how does this appear if you quit akpk.

Hello, anyone face this issue before? I'm sure someone will face this similar case.

Been under AKPK for the past 8 years, next month is my step up amount for the remaining 2 years. Because previously I was on the same repayment amount for several years, hence the remaining 2 years the step up is more than double of the current repayment amount.

Due to economy downhill, company not doing well, part-time job also similar to non-existent, household cost increasing gradually overtime, my kid is OKU, I tried to apply tenure extension to maintain the current repayment amount. Income not increasing, everything is still the same.

Anyone do this successfully? Eg. extend tenure 10 years + maybe 2 years? Possible?

If AKPK reject, I can't afford to pay the next step up, what should I do? AKPK will kick me out of the DMP programme?

Pls enlighten fellow brothers and sisters....

This post has been edited by greeny88: Mar 2 2021, 10:22 AM

i tot the remainning 2 years repayment will be less ? coz 8 years u should clear already some bank debt

No...remaining 2 years will be the most. I'm not sure about others. All banks will take 10 years to clear also...so the first few years you will be paying the interest only. The final years will be the capital. So if you got money, you clear AKPK in the latter stages is not making a big differences in total.