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 mortgage advisor to package your application
Want Help Reviewing Your Next Steps?
Our advisors review your case and tell you exactly which phase you're in and the fastest path to approval.