Bebas Hutang (Debt Free)

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About CCRIS (Tentang CCRIS)

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CCRIS = Central Credit Reference Information System

SUMMARY CREDIT REPORT

The Summary Credit Report displays summarised information relating to the
customer’s current and potential liabilities arising from credit facilities obtained
from the financial institutions in Malaysia. The liabilities include those where the
customer has obtained borrowings of its own, liabilities of joint-accounts, sole
proprietorships/partnerships/professional bodies in which the customer is an
Owner/Partner of the business. It also includes liabilities where the customer is a
guarantor for other borrowers.

How to check my CCRIS?

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July 13, 2008 - Posted by | CCRIS / CTOS | , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

4 Comments »

  1. Saya ada CCRIS dengan CIMB bank sebanyak RM8000, bolehkah saya membeli rumah

    Comment by Abdul Kahar | July 20, 2008 | Reply

  2. Sepanjang pengalaman saya apply loan semasa ada rekod dgn CCRIS, memang susah nak approve. Bank akan tgk samaada kita ada tunggakan pembayaran dlm bulan2 sebelum. Kalau last 3 months sumer 0, tu kira cantik…sebab bank biasa tgk 3 bulan yg lepas. Kalau ade angka selain 0, maknanya ade tunggakan.

    Cara nak clearkan cepat rekod CCRIS adalah buat full settlement yg RM8000 tu. Dlm masa 40 hari, Bank Negara akan padam CCIM loan rekod dari CRRIS.

    Atau bayar amaun yg tertunggak. Tapi yg ni makan masa sebab nak tunggu at least last 3 months tu keluar dlm CCRIS. Jadi kena tunggu 3, 4 bulan baru boleh apply loan semula.

    Comment by Cenor | July 21, 2008 | Reply

  3. saya berminat untuk membuat loan ttp tidak eligeble krn nama saya di dalam CCRIS. ada tak bank yang membuat loan tanpa melihat di dalam CCRIS. tolong lah saya, tujuan utama saya untuk melansaikan hutang dan bayar pada satu bank sahaja

    Comment by NUR NAJWA | August 10, 2008 | Reply

  4. Semua yang ade loan dgn bank akan ade nama dlm CCRIS. Yang membezakan adalah samaada rekod kita cantik atau tidak. Kalau ade tunggakan, rekod jadi tak cantiklah.

    Dari pengalaman saya apply personal loan dari 5 buah bank, kalau rekod dlm CCRIS tak cantik, memang tak lepas. Sebab bank pakai online system. Sebelum bank submit loan application tu, diorang kena check dgn CCRIS system. Bile rekod tak cantik, system automatically reject. So macammana pun memang tak boleh nak submit.

    Ade 2 cara dari pengalaman saya untuk membolehkan apply semula loan.
    1. Bayar jumlah yang tertunggak tu supaya dlm CCRIS akan clear jumlah yg tertunggak tu. Pastu bayar bayaran bulanan seperti biasa, selama 3 bulan. Lepas tu baru apply semula loan sebab kebanyakan bank, dia nak tgk samaada ada tunggakan dlm CCRIS for the past months.
    2. Cari cash dah buat full settlement. Cara ni kalau nak cepat apply loan semula, sebab dlm masa 40 hari selepas full settlement, rekod loan kite tu akan delete dari CCRIS.

    By the way, website utama untuk bebas hutang sekarang adalah di http://www.bebas-hutang.com. Please visit this website for new post and latest info regarding financial.

    Comment by admin | August 11, 2008 | Reply


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