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Husband and wife join to apply home loan,but wife got CCRIS.

Therefore is there any possibilities for banks to approve loan,although wife actually does not sure whether she got CCRIS,because for the past 3 months she have not paid her credit card.

This two couple are urgently need to purchase a house.

Please advise.

Hi ,
definitely the bank will not approved the loan. It better for you to go bank negera check your ccris report.

Mortgage consultant,
kang

Your position is no good according to you. Need more urgent infor to re-position.
Looking foreward to meet you or call or email

Best regards

Lim Chong Wan

Hi the Girl Next door!

Normally in this situation - solution is simple, as suggested by Kang... please get this person both husband and wife to print out their CCRIS report from Bank Negara Block D. Its simple same like EPF, slot in your MyCard and thumb print you can now print out all your record for the pass 12-months.

From this report you can analysis and see which month is exactly the default too place? Sometime the default payment can be justify and must be reasonable. However there are many way you can look into solving this for example settle off the credit card and get the letter of settlement from the bank and go straight to Bank Negara to request to clear this record... and there's a few more simple steps.

I'm rushing out for a lunch appointment. Just let me know if you need further assistance and my suggestion. Do drop me a line at 013-3808203.

Regards,
Martin Lau

D'Venture FlexiHomes