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?

 Mortgage

• 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?

 Refinancing

• Should I refinance my property? What are the pros & cons of refinancing?

• Any terms & conditions in my current mortgage that restrict refinancing?