Why Banks Reject — & Why TWKembara Is Different
- ✕CCRIS has a record of late payments
- ✕DSR over 60-70%
- ✕New work less than 6 months
- ✕Insufficient or irregular income
- ✕Blacklist in CTOS
- ✕Too many loan commitments
- ✓View each case individually
- ✓Not just an automatic check
- ✓Fixed salary in account can be sent for review
- ✓Have a job and documents can be checked
- ✓KPKT Licensed Services
- ✓All charges are clearly explained
Minimum Requirements Even Bank Reject
Have a Permanent Job
Private worker, government, or self-employed. The important thing is to have a steady income.
Salary Into Account
A minimum of RM1,500 goes into the bank account every month.
Valid MyKad IC
Malaysian citizens aged 21–60 years.
Active Phone Number
For review and approval purposes.
💡 Note: Even if you have a CCRIS record, high DSR or CTOS blacklist — you can ask us first. We will explain honestly whether we can proceed or not. There is no charge for reviews.
Frequently Asked Questions — Bank Loans Reject
Can be sent for review. We will look at income, documents, commitments and ability to repay. Review is not a guarantee of approval.
No fixed waiting period to ask. You can WhatsApp for an early check and the officer will explain the required documents.
Rejected bank records will be part of review. The final decision is still subject to documents, income and official terms.
Copy of IC, latest salary slip, 3 months bank statement and proof of address. Send via WhatsApp for review.