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?