Malaysia's Free Loan Eligibility Platform

Free Loan Eligibility Check — Free Summary, No IC Needed

Home Loan · Refinance · Personal Loan — all in one platform.

Understand your starting point before applying. Check your home loan, refinance or personal loan request against available criteria, see what needs attention, and choose a free advisor review if you want help.

Free Preliminary Summary
No Contact Details Needed
100% Free
1,200+ Clients Helped

Quick DSR Estimate

No registration required · 100% free
Continue to a full preliminary screening →
3
Loan Screeners
1,200+
Clients Helped
3
Loan Products
100%
Free to Screen
How It Works

3 Simple Steps to Your Answer

Enter and review your details, understand your free preliminary summary, then choose whether to request advisor help.

1

Fill Your Profile

Enter income, commitments and loan details, then review your answers. No IC number needed.

2

Understand Your Summary

See your preliminary outcome, key checks and indicative repayments where supported. No bank decision or credit report access.

3

Choose Advisor Help

Share your contact details only if you want a free initial review. An advisor checks your situation and discusses potential bank options, if suitable.

UNDERSTAND YOUR RESULT

A clear starting point—not a bank decision

Your free summary explains your preliminary outcome, points to check and indicative figures where supported. These are examples of the three possible outcomes, not your personal result.

Potential options

Your entered details fit some available criteria. This is a starting point, not confirmation that a bank will approve you.

Your next step

Verify documents and current terms before choosing an option.

Review needed

Some information or product terms need checking. The summary highlights what is uncertain rather than assuming an approval or rejection.

Your next step

Clarify the missing information with an advisor.

Revisit this request

No preliminary match was found for the entered amount and term using the available criteria. This is not a permanent rejection.

Your next step

Understand the constraints and discuss realistic next steps.

Get my free screening summary →

No registration or payment for your summary. Choose an advisor review only if you want help.

Free · No Registration

Understand Your Loan
Eligibility Before Applying

Illustration of financial planning, not an actual screener result or credit score

Illustration only. The screener does not generate a credit score.

Whether you're buying a home, refinancing your mortgage, or need a personal loan — start with a free preliminary summary, then choose an advisor review for help with documents, suitable options and next steps. Approval remains with the lender.

Free Loan Eligibility Screening
Get a free preliminary home loan, refinance or personal loan summary — no registration needed.
Clear Preliminary Summary
See your preliminary outcome, points to check and indicative repayments where supported. Bank shortlists follow an optional advisor review.
Expert Advisors, End-to-End
Our advisors handle submission, negotiation, and lawyer coordination for you.
Check My Eligibility Free →
Professional Network

Join Malaysia's Growing Mortgage Network

Free registration for bankers, valuers, lawyers, and property agents. Get listed, get referrals.

Banker

  • ✓ Enquiries from users requesting advice
  • ✓ Referrals with customer permission
  • ✓ Free registration, no commitment
Join as Banker →

Valuer

  • ✓ Matched by location & property type
  • ✓ Instant WhatsApp referrals
  • ✓ Free listing, grow your client base
Join as Valuer →

Lawyer

  • ✓ S&P & loan documentation cases
  • ✓ Verified buyers, ready to proceed
  • ✓ Free registration, no hidden fees
Join as Lawyer →

Property Agent

  • ✓ Refer buyers for free consultation
  • ✓ We handle the loan, you close the deal
  • ✓ Free partnership, no commitment
Join as Property Agent →

What Our Clients Say

These individual client experiences are not examples of the current screener output or a promise of similar results. Your summary is preliminary; rates and approval are decided by the lender.

★★★★★

"I was rejected twice before finding Threenity. The screener showed exactly why — my DSR was 74%. They helped me restructure my commitments and I got approved 4 months later."

Ahmad Fadzli
Approved RM 560,000 · Selangor
★★★★★

"Self-employed and everyone told me banks won't approve. Threenity found 2 banks that accept my business income. Closed my first condo in Cheras last month!"

Mei Ling Tan
Self-employed · Approved RM 420,000
★★★★★

"Free check, free consultation, no pressure. The advisor was honest about which banks suit my profile. Got a 4.1% rate at Maybank. Couldn't be happier."

Raj Subramaniam
First-time buyer · Petaling Jaya
★★★★★

"Kami tak tahu DSR kami terlalu tinggi. Threenity jelaskan semua dengan mudah dan bantu kami mohon secara joint. Dapat RM 480,000 dari RHB — terima kasih!"

Siti Hajar
Joint loan with husband · Nilai

Ready to Check Your Loan Eligibility?

Home loan, refinance, or personal loan — free preliminary screening in a few minutes. No IC number needed.

Start Free Check Now →Join as Professional