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
- ✕CTOS record issue
- ✕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
Private worker, government, or self-employed. The important thing is to have a steady income.
A minimum of RM1,500 goes into the bank account every month.
Malaysian citizens aged 21–60 years.
For review and approval purposes.
💡 Note: Even if you have CCRIS records, high DSR or CTOS concerns, you can ask us first. We will explain honestly whether the case can proceed. There is no charge for reviews.
Frequently Asked Questions — Bank Loans Reject
It can be submitted for review. We look at income, documents, commitments and repayment ability. A review is not a guarantee of approval.
There is no fixed waiting period for an enquiry. You may WhatsApp for an initial check and the officer will explain the required documents.
The rejection record may be part of the review. The final result still depends on documents, income and formal terms.
Prepare MyKad copy, latest payslip, three months of bank statements and address proof. Send them through WhatsApp for checking.