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Refinance Housing Loan Services
Debt Consolidation
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💡By refinancing and consolidating debts, the couple regained financial stability and secured a better future for their family
Client Profile (Location) :
📍Damansara Area
Client's Objectives:
🎯Refinance and consolidate debts for financial stability
Client Background:
📖A couple in Damansara was facing financial distress due to multiple debts. The husband had a RM60K car loan affecting his CTOS record, while the wife, the sole household supporter, was struggling with RM46K in credit card debt and had joined AKPK. Given their high commitments, they were ineligible for new borrowings and unable to restructure their finances on their own.
Challenges Faced:
⚠️CTOS Issues – Negative credit records made refinancing difficult.
⚠️High Debt Commitments – Unable to apply for new loans due to existing financial burdens.
⚠️Household Financial Strain – Managing family expenses while repaying debts was overwhelming.
Our Solution:
✅ Analyzed their financial situation and CTOS issues.
✅ Provided a strategy to resolve CTOS concerns and improve loan eligibility.
✅ Assisted in refinancing and consolidating all debts, including the RM60K car loan and RM46K AKPK.
✅ Successfully secured loan approval with better repayment terms.
Results:
🏆Loan Approved & All Debts Consolidated
🏆RM99K Cash on Hand (Transferred to a new home loan account)
🏆CTOS Resumed Normal, Able to Buy a Car & Fund Kids’ Education