![\"Loan](\"https:\/\/images.unsplash.com\/photo-1497215728101-856f4ea42174?auto=format&fit=crop&w=1600&q=70\")
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Utama \/ Soalan Lazim<\/p>\n
Honest answers on fees, eligibility, the process and how we protect your data. Can’t find yours? Message us.<\/p>\n
Umum<\/p>\n
What exactly does NCG do?+<\/p>\n
Kami firma perunding pinjaman bank. Kami analisis profil anda, padankan bank yang paling mungkin lulus, sediakan dokumen dan berunding bagi pihak anda merentasi 20+ bank dan pengeluar berlesen.<\/p>\n
Does NCG lend money directly?+<\/p>\n
Tidak. Kami perunding, bukan pemberi pinjaman wang. Semua pinjaman dikeluarkan oleh bank atau pengeluar berlesen. Kami hanya membantu anda lulus pada terma terbaik.<\/p>\n
How long until I know if I’m approved?+<\/p>\n
Permohonan peribadi & gadai janji biasanya dapat keputusan dalam 3\u20137 hari setelah dokumen lengkap; pinjaman perniagaan lebih lama. Semakan CTOS percuma di awal mempercepatkannya dengan membetulkan isu sebelum kami hantar.<\/p>\n
Which banks or lenders can you apply to?+<\/p>\n
Semua bank utama Malaysia, serta institusi bukan bank yang sah & platform seperti pembiayaan P2P berlesen. Kami bekerjasama dengan 20+ bank & pengeluar, dan padankan anda dengan yang polisinya sesuai.<\/p>\n
Do I need to be in KL or visit a branch?+<\/p>\n
Tidak. Keseluruhan proses berjalan dalam talian melalui WhatsApp dan telefon. Kami melayani pelanggan di Sabah, Sarawak dan luar negara (Singapura, Dubai, Australia dan lain-lain). Analisis awal anda biasanya siap dalam 1\u20132 hari.<\/p>\n
Yuran<\/p>\n
Do you charge upfront fees?+<\/p>\n
Tidak sama sekali. Adalah bertentangan dengan polisi kami untuk mengutip sebarang yuran pemprosesan atau pendahuluan. Perundingan awal dan penilaian profil anda percuma sepenuhnya. Penipu mungkin meminta yuran sebelum pengeluaran, jadi sentiasa sahkan perunding anda sebelum berkongsi apa-apa atau membayar.<\/p>\n
Is the CTOS & CCRIS check free?+<\/p>\n
Ya. Kami menyemak CTOS dan CCRIS anda sebagai sebahagian daripada penilaian percuma supaya kami boleh menasihati anda dengan tepat sebelum anda memohon.<\/p>\n
How does NCG get paid?+<\/p>\n
Sebarang yuran perkhidmatan dipersetujui secara telus dan hanya dikenakan selepas kelulusan dan pengeluaran berjaya. Tidak pernah lebih awal, dan tidak pernah tersembunyi. Kami akan menjelaskannya secara bertulis dahulu.<\/p>\n
Kelayakan<\/p>\n
My loan was rejected. Can you still help?+<\/p>\n
Yes. We start with a FREE CTOS report to identify the exact reason for the rejection, whether it’s a thin CCRIS record, too many unsecured loans, weak income proof or late payments. Then we fix it and route you to the bank most likely to approve.<\/p>\n
I have high monthly commitments. Can I still be approved?+<\/p>\n
Yes. We identify exactly what’s driving your commitments and give you a plan, often consolidating several debts into one lower payment, to bring your DSR down before we apply, so the bank sees a stronger profile.<\/p>\n
I’m blacklisted \/ 2 months late \/ under AKPK. Can I apply?+<\/p>\n
Selalunya ya, biasanya jika gaji pokok anda melebihi RM3,000 (tidak termasuk OT, elaun & komisen). Kami menyemak status CTOS\/CCRIS & AKPK anda secara jujur dan membimbing anda menyelesaikan hutang dahulu supaya permohonan anda mempunyai peluang terbaik.<\/p>\n
Am I eligible if I’m a Government \/ GLC worker?+<\/p>\n
For personal loans, we accept state government and GLC staff (federal government employees are not eligible). For mortgage and business loans, all workers are welcome. We’ll confirm your options in the free assessment.<\/p>\n
Is approval 100% guaranteed?+<\/p>\n
Tidak. Tiada siapa boleh menjamin kelulusan secara jujur, & sesiapa yang berbuat demikian mengelirukan anda. Apa yang kami tawarkan ialah pengalaman: rekod kami menyelesaikan isu kredit memberi anda peluang jauh lebih baik berbanding memohon bersendirian.<\/p>\n
How can I improve my CCRIS \/ CTOS?+<\/p>\n
Bayar tepat masa selama 6+ bulan, kurangkan penggunaan kad kredit, elak pinjaman tanpa cagaran baharu dan selesaikan akaun tertunggak kecil. Kami beri senarai semak khusus berdasarkan laporan anda.<\/p>\n
What is DSR and why does it matter?+<\/p>\n
DSR (Nisbah Khidmat Hutang) ialah jumlah hutang bulanan dibahagi pendapatan. Kebanyakan bank meluluskan sehingga sekitar 60\u201370%. DSR lebih rendah bermakna lebih ruang pinjaman. Cuba kalkulator kami.<\/p>\n
Proses<\/p>\n
What documents do I need?+<\/p>\n
If you’re employed: 3 months of payslips plus 2 years of EPF statements. If you’re self-employed: 6 months of company bank statements. More may be requested depending on the bank, but this is enough for us to start your free assessment.<\/p>\n
What tenure and interest rate can I get?+<\/p>\n
Personal and mortgage loans start from 3% p.a. Personal loans go up to 10 years, mortgages up to 35 years. Your actual rate and tenure depend on your profile, income and the bank’s assessment.<\/p>\n
Do I deal with the bank myself?+<\/p>\n
No, that’s our job. We prepare and submit your application and communicate with the bank on your behalf, keeping you updated at each stage with one point of contact.<\/p>\n
What happens after approval?+<\/p>\n
Kami menyemak terma akhir bersama anda sebelum anda menerima, membimbing proses pengeluaran, dan kekal tersedia untuk nasihat pembiayaan semula atau tambahan pada masa depan.<\/p>\n
Privasi & Keselamatan<\/p>\n
Is my personal data safe with NCG?+<\/p>\n
Yes. We handle your information in line with Malaysia’s PDPA. Your documents are used only to assess and submit your application, and are never sold or shared beyond the banks you authorise.<\/p>\n
Will you ask for my banking passwords?+<\/p>\n
Tidak sama sekali. Kami tidak akan meminta kata laluan perbankan dalam talian, OTP atau kod TAC. Sesiapa yang memintanya sambil mendakwa dari NCG adalah menyamar. Laporkan segera.<\/p>\n
Can I ask you to delete my information?+<\/p>\n
Yes. You can request access to or deletion of your personal data at any time under the PDPA. Just contact us and we’ll action it.<\/p>\n
![\"NCG](\"https:\/\/images.pexels.com\/photos\/7681091\/pexels-photo-7681091.jpeg?auto=compress&cs=tinysrgb&w=900\")
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Hubungi penasihat kanan di WhatsApp. Jawapan sebenar, tanpa obligasi.<\/p>\n
Tanya di WhatsApp<\/a> Home \/ FAQ Everything you want to ask Honest answers on fees, eligibility, the process and how we protect your data. Can’t find yours? Message us. General Getting started. What exactly does NCG do?+ We are a bank loan consultancy. We analyse your profile, match you to the bank most likely to approve, prepare your […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-22","page","type-page","status-publish","hentry"],"acf":[],"_hostinger_reach_plugin_has_subscription_block":false,"_hostinger_reach_plugin_is_elementor":false,"_links":{"self":[{"href":"https:\/\/ncgsolution.com.my\/ms\/wp-json\/wp\/v2\/pages\/22","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ncgsolution.com.my\/ms\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ncgsolution.com.my\/ms\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ncgsolution.com.my\/ms\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ncgsolution.com.my\/ms\/wp-json\/wp\/v2\/comments?post=22"}],"version-history":[{"count":2,"href":"https:\/\/ncgsolution.com.my\/ms\/wp-json\/wp\/v2\/pages\/22\/revisions"}],"predecessor-version":[{"id":115,"href":"https:\/\/ncgsolution.com.my\/ms\/wp-json\/wp\/v2\/pages\/22\/revisions\/115"}],"wp:attachment":[{"href":"https:\/\/ncgsolution.com.my\/ms\/wp-json\/wp\/v2\/media?parent=22"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
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