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ctos
How to Improve CTOS Score Before Applying for a Home Loan?
A CTOS score is a three-digit credit rating (300-850) used by Malaysian banks to assess your loan risk. In 2026, a higher score improves your chances of home loan approval and better interest rates, while a lower score can lead to stricter terms or rejection.
9 Feb 2026
9 Reasons Why Banks Reject Your Home Loan Application
For those who are planning to purchase a home in 2023, these tips can help you avoid loan rejection from the get-go. Remember, you will have to wait between 3-6 months before applying for another home loan.
1 Dec 2024
What Is CCRIS? A 2026 Guide to Credit Health & How to Check Your Credit Report in Malaysia
Understand what CCRIS is, how it affects loan approvals in 2026, and how it differs from CTOS. Learn how to check your eCCRIS report, fix common issues, and build a strong 12-month repayment record to improve your home loan eligibility and interest rates in Malaysia.
18 Sep 2024
First Time Home Buyer Guide: CCRIS, CTOS & Budget 2026 Schemes Explained
CCRIS and CTOS are key credit reports used by Malaysian banks for home loan approvals. CCRIS shows your recent 12-month repayment history, while CTOS provides a broader credit profile and a 300-850 score. Managing both improves your approval chances in 2026.
15 Aug 2022
How to maintain a good credit score
15 Nov 2017
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