Get the released letter from AKPK department and clear your record at Bank Negara, only this way will speed up your process for clear record then only you apply loan.

For those who doubt whether only put certain CC account under the care of AKPK, my advice is put all and nego with AKPK agent and press the lower rate repayment as low as possible. Get some buffer time for you to get your financial get on track, while you feel if time to clear certain CC just call the bank and nego for good rate to pay one short. This conversation is base on experience, every individual shall plan theirs differently base on their affordability.

Now i have a question, anyone know any Ambank or OCBC banker that can process AKPK holder for Home loan? I'm looking for one, i lost their number a year back.

Thanks.