Check Your Loan Eligibility

Yes, 100% free — no payment, no registration, no hidden charges. Our screener is a pre-qualification tool that checks your profile against real bank criteria. It is not a formal bank application and does not affect your credit score (CCRIS).

Under 3 minutes for any product — home loan, refinance, or personal loan. Results are displayed instantly, showing which banks match your profile and estimated rates or savings.

Yes. All data is encrypted in transit and at rest. We never share your personal information with any third party without your explicit consent. Your screening data is used solely to generate your eligibility report.

We screen against 16–18 major Malaysian banks including Maybank, CIMB, Public Bank, RHB, Hong Leong, AmBank, Alliance Bank, HSBC, UOB, Standard Chartered, OCBC, BSN, Bank Islam, Bank Rakyat, Bank Muamalat, and more. Coverage varies slightly by product type.

Our screener checks your eligibility based on publicly known bank criteria — it is a pre-screening tool, not a formal application. No CCRIS inquiry is made. This means you can check multiple banks safely before deciding where to apply, avoiding unnecessary credit inquiries that could affect your score.

Ya, anda boleh semak kelayakan pinjaman perumahan, refinance rumah, dan juga pinjaman peribadi — semuanya percuma. Alat semakan kami membandingkan profil anda dengan kriteria 24 bank utama Malaysia termasuk Maybank, CIMB, Public Bank, dan lain-lain. Yes, you can check eligibility for home loans, refinancing, and personal loans — all free. Our tool compares your profile against up to 24 major Malaysian banks.

DSR (Debt Service Ratio) ialah peratusan pendapatan kasar bulanan anda yang digunakan untuk membayar semua hutang. Kebanyakan bank di Malaysia menetapkan had DSR 60–70% untuk pinjaman perumahan dan pinjaman peribadi. DSR yang rendah bermakna peluang kelulusan lebih tinggi. DSR (Debt Service Ratio) is the percentage of your gross income going to debt payments. Most banks cap it at 60–70%. Lower DSR = higher approval chance.

Not required, but highly recommended. A mortgage broker like Threenity Capital compares offers from all banks simultaneously, negotiates better rates, and manages your entire application — at zero cost to you. Banks pay the broker fee, so you get expert guidance for free. This is especially valuable when you are unsure which bank suits your profile.

Yes. Our refinance screener compares your existing mortgage against 21 banks to show potential monthly savings, interest reduction, and cash-out eligibility. It covers both conventional and Islamic refinancing options. Anda boleh semak kelayakan refinance rumah anda di sini — percuma dan tanpa menjejaskan rekod CCRIS anda.

Pilih "Personal Loan" di atas, isikan butiran pendapatan dan komitmen anda, dan kami akan semak profil anda terhadap 16 bank utama Malaysia. Anda akan lihat bank mana yang berkemungkinan meluluskan permohonan anda dan anggaran jumlah pinjaman. Select "Personal Loan" above, fill in your income and commitments, and we screen your profile against 16 Malaysian banks instantly.