A clearer answer. A practical next step.

CCRIS is BNM’s financing and repayment record, including a 12-month repayment history; BNM gives no credit score or lending decision. CTOS is a separate private credit reporting agency. Its products can include public/legal records and, where included, a CTOS Score from 300 to 850 and CCRIS data. Its free Basic Report does not include CCRIS or the Score; full products may cost money. No report or score guarantees a home loan.

What to do next

1. Start at BNM’s official eCCRIS channel for your own free report; check facilities, repayment history and application status.
2. If you use CTOS, confirm which fields the selected report contains and any fee before ordering; you need not buy a report just to read this guide.
3. Send genuine CCRIS errors to the reporting bank and CTOS errors through its dispute channel; ask the lender to assess income, debts, affordability and property separately.

CCRIS is not a blacklist. Its application section covers pending and recent approved applications, not a universal list of rejected applications. Settling arrears does not instantly erase past repayment history. Never share eCCRIS/CTOS passwords, OTPs or a full credit report in this public form.

Budget for the purchase-price amount not covered by approved financing, plus legal work, stamp duties, required valuation, searches, registration, applicable insurance or takaful, and moving or repairs. Example only: RM500,000 price minus a RM450,000 approved loan leaves RM50,000 of unfunded purchase price. Any purchase deposit already paid counts within that RM50,000, not on top. Other costs are separate, subject to actual exemptions and bank conditions; this is not a valuation or quotation. Match payments to their due dates.

What to do next

1. Confirm the approved loan and price shortfall.
2. Obtain itemised legal and bank quotations.
3. Prepare a dated cash-flow checklist.

An advertised financing margin is not your approval. Costs and exemptions vary; a single percentage cannot be an all-in quotation.

Checked 17 October 2026: CIMB publishes 4.80%–5.20% by financing-amount tier. HLB's standard RM350,000/30-year indicative rates are 4.50% conventional and 4.35% Islamic. Public Bank HOME Plan's 4.10% is a PDS illustration for RM350,000/35 years. These are different reference types, not personal offers or a cheapest-bank ranking.

What to do next

1. Request same-day written quotations and PDS from banks for the same amount, tenure and insurance assumptions; compare the effective rate, not SBR alone.
2. Illustration only: RM450,000 over 35 years is about RM1,992/month at 4.00%, or RM2,271 at 5.00%, excluding fees and insurance; use the site's calculator with your offer.
3. Ask the banker to confirm rate changes, lock-in/redraw terms, financed costs and the actual repayment schedule.

The example assumes monthly amortisation at an unchanged rate. Floating-rate payments can change; published and promotional rates may differ and must be rechecked.

Some eligible first-home buyers can apply under specific schemes. For example, BSN MyHome-i SJKP-MADANI covers eligible subsale homes: a property price up to RM300,000, 100% of that price plus specified costs, with total financing capped at RM360,000. This is a product option, not a promise of approval.

What to do next

1. Ask a participating bank to check your first-home, owner-occupation, income and credit eligibility.
2. Give the bank the actual purchase price and property documents; confirm valuation and scheme limits.
3. Obtain a written offer showing the approved price portion, eligible costs and any cash you must provide.

More than 100% guarantee coverage is not the same as cash back or automatic 100% financing. Other products have different caps and conditions.

A 10% amount is a planning baseline, not a promise of 90% financing. Your cash requirement depends on the price, approved financing and other purchase costs. If cash is not ready, review your target budget and preparation with Vivien before committing.

No. The tool is a planning estimate. Each bank assesses documented income, existing commitments, credit information and its own criteria. Only the bank can confirm your application, margin, rate and tenure.