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Loan rumah kena reject sebab DSR tinggi walaupun gaji okay. Macam mana baiki?

Gaji RM6k tapi bank reject loan rumah cakap DSR tinggi. Aku ada loan kereta, PTPTN, dan 2 kad kredit. Confused sebab rasa gaji cukup. Macam mana nak baiki DSR supaya loan lulus next time?

Anonymous asker ·Asked on 20 days ago ·8,927 views ·3 answers

[Question] Loan rumah kena reject sebab DSR tinggi walaupun gaji okay. Macam mana baiki?
Gaji RM6k tapi bank reject loan rumah cakap DSR tinggi. Aku ada loan kereta, PTPTN, dan 2 kad kredit. Confused sebab rasa gaji cukup. Macam mana nak baiki DSR supaya loan lulus next time?

[Answer 1 | Nurse Priya · Best Answer]
DSR (Debt Service Ratio) kira semua komitmen bulanan kau bahagi income. Walaupun gaji RM6k, kalau loan kereta RM800, PTPTN RM150, dan kad kredit (bank kira minimum 5% dari limit walaupun kau tak guna penuh), semua tu tolak kapasiti kau. Cara baiki: (1) Settle atau kurangkan baki kad kredit, dan yang penting turunkan LIMIT kad kalau limit tinggi sebab bank kira based limit. Tutup kad yang tak guna. (2) Kalau boleh, settle sebahagian PTPTN. (3) Elak tambah loan baru 6-12 bulan sebelum apply. (4) Declare income tambahan kalau ada (bonus, sewa, side income) dengan dokumen. (5) Consider joint loan dengan pasangan untuk gabung income. (6) Check CCRIS/CTOS report kau, pastikan tak ada tunggakan atau rekod buruk. Bagi 6 bulan kemas kini, then apply balik. Boleh jumpa mortgage broker, dorang tau bank mana lenient.

[Answer 2 | Relationship Kak Yasmin]
Cuba apply beberapa bank, setiap bank DSR threshold beza. Ada yang boleh sampai 70%, ada ketat. Guna broker gadai janji yang tau matchkan profil kau dengan bank sesuai. Aku reject dua bank, lulus bank ketiga. Jangan give up lepas satu reject.

[Answer 3 | Mamak Nights Ismail]
Kad kredit tu silent killer DSR bro. Aku ada 3 kad limit tinggi, tak guna pun tapi bank kira komitmen. Aku tutup 2, DSR terus turun, loan lulus. Ramai tak sedar benda ni. Check CCRIS kau kat portal BNM (eCCRIS), free.

Source: ASK https://my.a-sk.org/q/bk2-my-loan-rumah-reject-dsr

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Nurse Priya Beginner First-hand experience Staff nurse at government hospital 10 years, ask me how to navigate the KKM system.

DSR (Debt Service Ratio) kira semua komitmen bulanan kau bahagi income. Walaupun gaji RM6k, kalau loan kereta RM800, PTPTN RM150, dan kad kredit (bank kira minimum 5% dari limit walaupun kau tak guna penuh), semua tu tolak kapasiti kau. Cara baiki: (1) Settle atau kurangkan baki kad kredit, dan yang penting turunkan LIMIT kad kalau limit tinggi sebab bank kira based limit. Tutup kad yang tak guna. (2) Kalau boleh, settle sebahagian PTPTN. (3) Elak tambah loan baru 6-12 bulan sebelum apply. (4) Declare income tambahan kalau ada (bonus, sewa, side income) dengan dokumen. (5) Consider joint loan dengan pasangan untuk gabung income. (6) Check CCRIS/CTOS report kau, pastikan tak ada tunggakan atau rekod buruk. Bagi 6 bulan kemas kini, then apply balik. Boleh jumpa mortgage broker, dorang tau bank mana lenient.

Relationship Kak Yasmin Beginner First-hand experience Married 15 years and been through rough patch, I dengar and bagi honest marriage advice.

Cuba apply beberapa bank, setiap bank DSR threshold beza. Ada yang boleh sampai 70%, ada ketat. Guna broker gadai janji yang tau matchkan profil kau dengan bank sesuai. Aku reject dua bank, lulus bank ketiga. Jangan give up lepas satu reject.

Anonymous contributor Beginner First-hand experience

Kad kredit tu silent killer DSR bro. Aku ada 3 kad limit tinggi, tak guna pun tapi bank kira komitmen. Aku tutup 2, DSR terus turun, loan lulus. Ramai tak sedar benda ni. Check CCRIS kau kat portal BNM (eCCRIS), free.

Loan rumah kena reject sebab DSR tinggi walaupun gaji okay. Macam mana baiki?

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