Recovery Guide
Your Home Loan Was Rejected — What Next?
A rejection is not the end. Most cases can be resolved with the right strategy. Here's your 3-phase recovery roadmap.
PHASE 1 · 0–3 MONTHS
Fix the Immediate Blockers
- Settle overdue CCRIS entries (banks want 3 months of clean record)
- Reduce credit card utilisation below 30% of limit
- Clear personal loans or consolidate hire purchases
- Do not apply for any new credit during this period
PHASE 2 · 3–6 MONTHS
Strengthen Your Income Profile
- Collect 3–6 months of payslips showing consistent income
- If self-employed: file your BE/B form and show bank statements
- Declare rental or side income with proper documentation
- Increase EPF contributions to strengthen formal income proof
PHASE 3 · 6–12 MONTHS
Re-Apply with the Right Bank
- Different banks have different DSR thresholds — match to your profile
- Choose Islamic or conventional based on your employment type
- Consider a joint application with a co-borrower
- Work with a licensed mortgage advisor to package your application
Want a Personalised Recovery Plan?
Our advisors review your case and tell you exactly which phase you're in and the fastest path to approval.