How do you know if you have

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Meanwhile, if the arrears are more than a month, your loan may not be approved. Also read: Tips for Financial Management and Preparing to Buy a House This also includes PTPTN debts. If you are unable to pay off all your arrears, discuss with PTPTN officers to arrange and reschedule the payments. Avoid selling any assets, including cars, through installment payments. Avoid becoming a guarantor for friends or family.


Ever been late in paying your debts? You can check your CCRIS cambodia whatsapp number database report at a Bank Negara branch or purchase it at ctoscredit.com.my . Banks also use this CCRIS report to determine your financial score. 2) Your job has permanent status For those who are working, make sure your employment status is stable. This is important, because your chances of getting a loan with a contract status are very low.


Note: this does not include civil servants. Banks can still accept applications from civil servants who have been working for more than 6 months, even if they have not yet received confirmation of their position. 3) Check EPF Statements and Make Sure Employers Contribute on Time Apart from that, also check your EPF statement. Make sure your employer makes contributions consistently and on time. If there is a delay, ask your employer and ask them to issue a justification letter.