What Is CCRIS & Why Is It Important?
CCRIS (Central Credit Reference Information System) is the credit information system of Bank Negara Malaysia which records all your debts, loans and payment history. Banks use CCRIS records to evaluate loan applications.
Rekod CCRIS yang tidak baik seperti bayaran lambat atau tunggakan boleh menyebabkan bank menolak permohonan. Untuk semakan TWKembara, pegawai akan melihat dokumen semasa, pendapatan, komitmen dan kemampuan bayaran balik sebelum memberi penerangan lanjut.
Types of CCRIS Problems TWKembara Can Consider
Late payment history on old loans. We look at the full situation.
Debt Service Ratio exceeds bank limit. We make different assessments.
Nama ada dalam senarai CTOS boleh dihantar untuk semakan awal bersama bukti pendapatan.
Ada baki kad kredit tertunggak perlu dijelaskan kepada pegawai supaya kemampuan bayaran boleh dinilai.
✅ Important: Semua kes dinilai secara individu berdasarkan dokumen. WhatsApp kami dengan butiran situasi anda supaya pegawai boleh terangkan dokumen yang sesuai. Semakan awal bukan jaminan kelulusan.
Frequently Asked Questions — CCRIS & Loans
You may ask first. Late payment records are reviewed together with current income, complete documents, monthly commitments and repayment ability. A review is not a guarantee of approval.
It can be submitted for an initial review if income proof and supporting documents are available. The officer will explain whether the case can continue or needs more documents.
CCRIS usually shows recent payment history. The officer still reviews the current situation, not just one data point.
MyKad, payslips or income proof, recent bank statements, commitment list and a short explanation of payment records help the review.