1 Answer

askguru expert
Hi Sagun,

You'd to check on your Central Credit Reference Information System (CCRIS). It is a system created by Bank Negara Malaysia’s (BNM) Credit Bureau to provide standardised credit reports on a potential borrower. This enables financial institutions and lenders to effectively assess the creditworthiness of a potential recipient through reference to a recorded financial history.

Your bank is responsible for updating your record, not BNM. If you notice that the past issue is still reflected in your CCRIS, contact your bank to clarify the matter.

You can get more info about CCRIS here:

- https://www.propertyguru.com.my/property-guides/what-is-ccris-how-to-get-ccris-report-malaysia-12199

- https://www.propertyguru.com.my/property-guides/what-are-ccris-dos-and-donts-12175

You can also use the free PropertyGuru Loan Pre-Approval online service to find out exactly how much home loan you can borrow from the banks and whether you can afford a property. It has a 99.9% accuracy, so you can avoid loan rejection. It's here: https://www.propertyguru.com.my/home-loan-pre-approval

All the best in your property purchase. :)

Best regards,

Team PropertyGuru Read More