Hi guys,

I've been in AKPK for 2 years. My brother in law is willing to help me make full settlements so that I can purchase a house for my family.

The question is, can I really apply for a loan after I make full settlements and cancel AKPK? I really need to confirm this because if not, I don't want to do it, as I'm reluctant to borrow any money from my brother in law and put the burden on him.

If possible I want to quickly apply for personal loan to quickly pay him back. So if I could apply for loans, how long I have to wait after settling AKPK? Anybody got experience?

Thank you so much in advance.

I'm beginning to collect information as I will be settling my AKPK soon, so I went to Bank Negara to check my CCRIS. I found a couple of banks didn't put AKPK remarks to my accounts but there are no arrears reported so that's fine. However, my personal loan with CIMB not only not under AKPK, but it is in arrears of 15 months! I know they received payments from AKPK as the balance is much lower than it was before I enrolled.

Anybody have this experience? Why do this happen? Once I settle my AKPK my new loan application later will be very difficult with this kind of record. Any advice?