Understand your options before applying. Get a free initial assessment and repayment estimate where available. No IC or phone number needed for your summary.
Choose between home loan, refinance, or personal loan screening.
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Enter and Review Details
Enter income, commitments and loan details. Check your answers before calculation.
3
See Your Free Summary
Receive a preliminary assessment against criteria in our database—not a bank decision.
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Optional Advisor Review
Share contact details and consent only if you want help reviewing potential bank options and next steps.
Frequently Asked Questions
Soalan lazim mengenai semakan kelayakan pinjaman
Is this loan screening tool really free?
Yes. Your preliminary summary is free, with no report purchase or registration required. The tool checks your entered information against criteria in our database. It does not access your CCRIS report or submit a bank application.
How long does it take to screen my eligibility?
Allow a few minutes for home loan, refinance, or personal loan screening. You receive a free preliminary summary. An optional advisor review can identify potential bank options; a personalised shortlist is not automatically displayed or guaranteed.
When do I need to share my contact details?
No name or phone number is needed for the initial summary. If you request a free advisor review, we ask for contact details and permission to save your screening information and follow up. See our Privacy Policy for details.
Which banks are covered in the screening?
Current database coverage: Current database coverage. Coverage varies by product type. This is not a live connection to banks or confirmation of a bank partnership. Product terms and suitability need verification.
What is the difference between this screener and a bank application?
The screener estimates eligibility from your entered information and our available database criteria. No CCRIS report is accessed and no application is sent to a bank. A lender must separately assess documents, credit history and its requirements before deciding on an application.
Boleh semak kelayakan pinjaman perumahan di sini? (Can I check home loan eligibility here?)
Ya, anda boleh semak kelayakan pinjaman perumahan, refinance rumah, dan juga pinjaman peribadi — semuanya percuma. Alat semakan kami membandingkan profil anda dengan liputan pangkalan data semasa: Current database coverage. Yes, you can check eligibility for home loans, refinancing, and personal loans — all free. Our tool compares your profile against current database coverage.
Apa itu DSR dan kenapa ia penting untuk kelulusan pinjaman?
DSR membandingkan komitmen hutang bulanan dengan pendapatan yang diambil kira. Kaedah dan had berbeza mengikut bank serta produk. Debt Service Ratio compares monthly debt commitments with the income used in the assessment. Check the calculation assumptions in your summary; the estimate is not a bank approval.
Do I need a mortgage broker to apply for a loan?
You can choose whether to request advisor help. Our free initial review can help explain potential options, supporting documents and application preparation. Confirm the service scope and any applicable third-party costs before proceeding. An advisor cannot guarantee approval.
Can I check eligibility for refinance rumah here?
Yes. We check your current mortgage and refinance plans against Current database coverage. Your free summary includes indicative repayment where supported and provisional switching-cost information. A lower monthly payment alone does not prove savings. Semakan awal refinance rumah adalah percuma; semakan penasihat adalah pilihan.
Bagaimana nak semak kelayakan pinjaman peribadi? (How to check personal loan eligibility?)
Pilih "Personal Loan", isi maklumat pendapatan, komitmen dan pinjaman, kemudian semak jawapan anda. Anda menerima ringkasan awal percuma berdasarkan Current database coverage. Select Personal Loan, enter and review your details, then view your free preliminary summary. A personalised bank shortlist requires an optional advisor review, not an automatic approval.
Need Guidance From an Advisor?
Request a free initial review. An advisor can check your circumstances, discuss potential bank options and explain the next steps. Approval is not guaranteed.