Cash/Debt Management

Credit Profile / Score

  • What / who are CCRIS, CTOS and RAMCI?
  • How can I improve my credit profile for higher chance of loan approval and / or at a lower interest rate?

Study loan

  • Should I withdraw money from EPF to finance my / children’s education?
  • Which study loan is better - PTPTN, banks or other education aid providers?


  • Which type / package are suitable for me?
  • How much money can I withdraw money from EPF for house purchase / building?
  • Should I consider a bridging loan from property developers?


  • Should I refinance my property? What are the pros & cons of refinancing?
  • Any terms & conditions in my current mortgage that restrict refinancing?