1) Once you clear your AKPK, please go to all the bank and request for released letter i.e. if your personal loan and CC is from 3 different banks, you need to walk into the bank and check your payment, and ask for released letter immediately (or email/post to you)
2) Go to Bank Negara print your statement, and bring all the released letter to meet any officer who are on duty;
3) Request them to removed your name.

If you willing to spend some time to do walk in and print statement and visit bank negara, your name can be removed within 2 weeks.

make sure your name is clear then only you apply for loan.

My housing loan rejected last July even I settled my AKPK in Oct 2012, as HSBC forgot to removed my name from their system! I called to AKPK made complaint, and they asked me to talk to bank by myself because from their system my case is CLOSED.

Good luck.

I not sure on the refinance of housing loan, but first thing u have to do now is to get the money u owe to bank under akpk settle, ur name can b removed from their system after 2weeks. I just graduated from akpk program in Feb, I check the ccris report in march and it is all clear...then I started apply credit card in April and I got it in mid april...I will say,don't worry on how long u get the loan approve from the bank cox this is not under your control, what u have to do now it really get this akpk settle,pay off everything n get release letter....when your ccriss report is clear,then only u talk to the bank for housing loan or whatever,hope it can help

1) Once you clear your AKPK, please go to all the bank and request for released letter i.e. if your personal loan and CC is from 3 different banks, you need to walk into the bank and check your payment, and ask for released letter immediately (or email/post to you)
2) Go to Bank Negara print your statement, and bring all the released letter to meet any officer who are on duty;
3) Request them to removed your name.

If you willing to spend some time to do walk in and print statement and visit bank negara, your name can be removed within 2 weeks.

make sure your name is clear then only you apply for loan.

My housing loan rejected last July even I settled my AKPK in Oct 2012, as HSBC forgot to removed my name from their system! I called to AKPK made complaint, and they asked me to talk to bank by myself because from their system my case is CLOSED.

Good luck.

Ive done many refinancing for my clients who were under AKPK. My general advise is to not approach any banks while you are sill under the AKPK program. Once you have fully settled your loans with the banks and get your name off the AKPK status on your CCRIS, you can start applying for a mortgage broker.

One wrong move (applying to too many banks at once) can result to all the banks knowing that you have been under AKPK and that would stay with them for however long they want unless we have a law to purge old data (we dont)

You can get it approved when your CCRIS is cleared. Just dont reapply at the same bank previously under AKPK acccount.