{"id":17,"date":"2026-07-08T07:11:21","date_gmt":"2026-07-08T07:11:21","guid":{"rendered":"https:\/\/ncgsolution.com.my\/personal-loan\/"},"modified":"2026-08-04T16:03:39","modified_gmt":"2026-08-04T08:03:39","slug":"personal-loan","status":"publish","type":"page","link":"https:\/\/ncgsolution.com.my\/zh\/personal-loan\/","title":{"rendered":"\u4e2a\u4eba\u8d37\u6b3e"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-131\" src=\"https:\/\/ncgsolution.com.my\/wp-content\/uploads\/2026\/07\/pexels-marina-agrelo-3547441-5652294-300x200.jpg\" alt=\"\" width=\"300\" height=\"200\" srcset=\"https:\/\/ncgsolution.com.my\/wp-content\/uploads\/2026\/07\/pexels-marina-agrelo-3547441-5652294-300x200.jpg 300w, https:\/\/ncgsolution.com.my\/wp-content\/uploads\/2026\/07\/pexels-marina-agrelo-3547441-5652294-1024x683.jpg 1024w, https:\/\/ncgsolution.com.my\/wp-content\/uploads\/2026\/07\/pexels-marina-agrelo-3547441-5652294-768x512.jpg 768w, https:\/\/ncgsolution.com.my\/wp-content\/uploads\/2026\/07\/pexels-marina-agrelo-3547441-5652294-1536x1024.jpg 1536w, https:\/\/ncgsolution.com.my\/wp-content\/uploads\/2026\/07\/pexels-marina-agrelo-3547441-5652294-2048x1365.jpg 2048w, https:\/\/ncgsolution.com.my\/wp-content\/uploads\/2026\/07\/pexels-marina-agrelo-3547441-5652294-18x12.jpg 18w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p>\n<p>\u9996\u9875 \/ \u670d\u52a1 \/ \u4e2a\u4eba\u8d37\u6b3e<\/p>\n<h1>\u9a6c\u6765\u897f\u4e9a\u4e2a\u4eba\u8d37\u6b3e<\/h1>\n<p>\u4f4e\u81f3 3% \u5e74\u5229\u7387\u3001\u6700\u957f 10 \u5e74\u3002\u5373\u4f7f\u60a8\u66fe\u88ab\u62d2\u3001\u88ab\u5217\u9ed1\u540d\u5355\u6216\u5728 AKPK \u8ba1\u5212\u5185\u4e5f\u6ca1\u95ee\u9898\u3002\u514d\u8d39 CTOS + CCRIS \u67e5\u8be2\uff0c3\u20137 \u5929\u5185\u51fa\u7ed3\u679c\u3002\u6211\u4eec\u670d\u52a1\u6c99\u5df4\u3001\u7802\u62c9\u8d8a\u53ca\u6d77\u5916\u3002<\/p>\n<p>Who It&#8217;s For<\/p>\n<h2>\u8d34\u5408 \u60a8\u751f\u6d3b \u7684\u878d\u8d44\u3002<\/h2>\n<p>Whether you&#8217;re consolidating debts, funding a renovation, covering education or handling an emergency, a personal loan gives you flexible cash without pledging an asset. We match your profile to the bank most likely to say yes. We also prepare you properly before you apply.<\/p>\n<h3>You&#8217;re a good fit if\u2026<\/h3>\n<ul>\n<li>\u2713You are aged 21 to 60 years old.<\/li>\n<li>\u2713Employed for 3+ months, or self-employed for 6+ months.<\/li>\n<li>\u2713Juggling multiple debts and want one simpler payment.<\/li>\n<li>\u2713Previously rejected and unsure why. We&#8217;ll find the real reason.<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-131\" src=\"https:\/\/ncgsolution.com.my\/wp-content\/uploads\/2026\/07\/pexels-marina-agrelo-3547441-5652294-300x200.jpg\" alt=\"\" width=\"300\" height=\"200\" srcset=\"https:\/\/ncgsolution.com.my\/wp-content\/uploads\/2026\/07\/pexels-marina-agrelo-3547441-5652294-300x200.jpg 300w, https:\/\/ncgsolution.com.my\/wp-content\/uploads\/2026\/07\/pexels-marina-agrelo-3547441-5652294-1024x683.jpg 1024w, https:\/\/ncgsolution.com.my\/wp-content\/uploads\/2026\/07\/pexels-marina-agrelo-3547441-5652294-768x512.jpg 768w, https:\/\/ncgsolution.com.my\/wp-content\/uploads\/2026\/07\/pexels-marina-agrelo-3547441-5652294-1536x1024.jpg 1536w, https:\/\/ncgsolution.com.my\/wp-content\/uploads\/2026\/07\/pexels-marina-agrelo-3547441-5652294-2048x1365.jpg 2048w, https:\/\/ncgsolution.com.my\/wp-content\/uploads\/2026\/07\/pexels-marina-agrelo-3547441-5652294-18x12.jpg 18w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p>\n<p>\u7528\u5fc3\u5bf9\u5f85\uff0c\u4e0d\u662f\u4f8b\u884c\u516c\u4e8b<\/p>\n<h2>\u8d34\u5408\u60a8 \u751f\u6d3b\u7684\u5efa\u8bae\u3002<\/h2>\n<p>\u5728\u63a5\u89e6\u4efb\u4f55\u94f6\u884c\u4e4b\u524d\uff0c\u6211\u4eec\u4f1a\u5148\u548c\u60a8\u5750\u4e0b\u6765\u804a\uff0c\u9762\u5bf9\u9762\u6216\u7ebf\u4e0a\u90fd\u884c\u3002\u6211\u4eec\u8981\u4e86\u89e3\u60a8\u7684\u6536\u5165\u3001\u76ee\u6807\uff0c\u8fd8\u6709\u600e\u6837\u7684\u8fd8\u6b3e\u989d\u60a8\u4f9b\u8d77\u6765\u624d\u771f\u6b63\u5b89\u5fc3\u3002\u4e4b\u540e\u6211\u4eec\u624d\u5e2e\u60a8\u914d\u5bf9\u6700\u53ef\u80fd\u6279\u51c6\u7684\u94f6\u884c\u3002\u60a8\u9762\u5bf9\u7684\u662f\u4e00\u4f4d\u771f\u6b63\u7684\u987e\u95ee\uff0c\u4e0d\u662f\u7167\u7740\u6b7b\u677f\u53f0\u8bcd\u5ff5\u7684\u5ba2\u670d\u3002<\/p>\n<p>\u8d37\u6b3e\u7c7b\u578b<\/p>\n<h2>\u9002\u5408\u5404\u7c7b \u80cc\u666f \u7684\u9009\u62e9\u3002<\/h2>\n<h3>\u65e0\u62b5\u62bc\u8d37\u6b3e<\/h3>\n<p>\u65e0\u9700\u62b5\u62bc\uff0c\u51ed\u6536\u5165\u4e0e\u4fe1\u7528\u72b6\u51b5\u53d6\u5f97\u8d44\u91d1\u3002<\/p>\n<h3>\u6709\u62b5\u62bc\u8d37\u6b3e<\/h3>\n<p>\u4ee5\u8d44\u4ea7\u4f5c\u62b5\u62bc\uff0c\u53d6\u5f97\u66f4\u9ad8\u989d\u5ea6\u4e0e\u66f4\u4f4e\u5229\u7387\u3002<\/p>\n<h3>\u503a\u52a1\u6574\u5408<\/h3>\n<p>\u5c06\u591a\u7b14\u503a\u52a1\u5408\u5e76\u4e3a\u4e00\u7b14\u66f4\u4f4e\u6708\u4f9b\u3002<\/p>\n<h3>\u4f4e\u5229\u7387\u8d37\u6b3e<\/h3>\n<p>\u80cc\u666f\u826f\u597d\u8005\u53ef\u4eab\u4f4e\u81f3 3% \u56fa\u5b9a\u5e74\u5229\u7387\u7684\u4f18\u60e0\u878d\u8d44\u3002<\/p>\n<p>\u8d44\u683c\u4e0e\u6587\u4ef6<\/p>\n<h2>\u66fe\u88ab\u62d2\uff1f\u6211\u4eec\u89e3\u51b3 \u771f\u6b63\u75c7\u7ed3\u3002<\/h2>\n<h3>\u57fa\u672c\u8d44\u683c<\/h3>\n<ul>\n<li>\u2713Aged 21\u201360 with a valid MyKad or work permit.<\/li>\n<li>\u2713Reasonable CCRIS \/ CTOS record and payment history.<\/li>\n<li>\u2713Consistent income proof (payslips, EPF or bank statements).<\/li>\n<li>\u2713Debt Service Ratio (DSR) within the bank&#8217;s limit.<\/li>\n<\/ul>\n<h3>\u6211\u4eec\u5904\u7406\u7684\u5e38\u89c1\u62d2\u7edd\u539f\u56e0<\/h3>\n<ul>\n<li>\u2192Short banking record, less than 6 months of CCRIS history.<\/li>\n<li>\u2192Multiple existing unsecured loans pushing your DSR too high.<\/li>\n<li>\u2192Cash salary, inconsistent EPF or periods of unpaid leave.<\/li>\n<li>\u2192A history of late payments dragging down your credit score.<\/li>\n<\/ul>\n<p>\u670d\u52a1\u6d41\u7a0b<\/p>\n<h2>\u6e05\u6670\u3001\u8bda\u5b9e\u7684 \u6d41\u7a0b\u3002<\/h2>\n<p>1<\/p>\n<h3>\u514d\u8d39\u54a8\u8be2<\/h3>\n<p>\u6211\u4eec\u5148\u4e86\u89e3\u60a8\u7684\u6536\u5165\u3001\u5f00\u9500\u3001\u503a\u52a1\u548c CCRIS\u3002\u514d\u8d39\uff0c\u4e5f\u6ca1\u6709\u4efb\u4f55\u4e49\u52a1\u3002<\/p>\n<p>2<\/p>\n<h3>\u8d37\u6b3e\u65b9\u6848\u5206\u6790<\/h3>\n<p>\u8bc4\u4f30\u8d44\u683c\u5e76\u8c03\u7814\u5e02\u573a\uff0c\u627e\u51fa\u6700\u5408\u9002\u65b9\u6848\u3002<\/p>\n<p>3<\/p>\n<h3>\u7533\u8bf7\u529e\u7406<\/h3>\n<p>\u6211\u4eec\u51c6\u5907\u6587\u4ef6\uff0c\u5e76\u4ee3\u8868\u60a8\u4e0e\u94f6\u884c\u6c9f\u901a\u3002<\/p>\n<p>4<\/p>\n<h3>\u8d37\u6b3e\u83b7\u6279<\/h3>\n<p>\u5ba1\u6838\u6700\u7ec8\u6761\u6b3e\uff0c\u5e76\u5728\u653e\u6b3e\u540e\u6301\u7eed\u63d0\u4f9b\u518d\u878d\u8d44\u6307\u5bfc\u3002<\/p>\n<p>\u4e3a\u4f55\u9009\u62e9 NCG<\/p>\n<h2>\u4e0d\u53ea\u662f\u586b\u8868\uff0c\u800c\u662f\u771f\u6b63\u7684 \u7b56\u7565\u3002<\/h2>\n<h3>\u514d\u8d39 CTOS + CCRIS \u8bc4\u4f30<\/h3>\n<p>\u6211\u4eec\u5148\u89e3\u8bfb\u60a8\u7684\u4fe1\u7528\u62a5\u544a\uff0c\u8ba9\u60a8\u4e0d\u518d\u76f2\u76ee\u7533\u8bf7\u3002<\/p>\n<h3>\u5e02\u573a\u6bd4\u4ef7<\/h3>\n<p>\u6211\u4eec\u6bd4\u8f83 20+ \u5bb6\u94f6\u884c\u7684\u65b9\u6848\uff0c\u4e3a\u60a8\u627e\u51fa\u6700\u4f73\u5229\u7387\u4e0e\u5e74\u9650\u3002<\/p>\n<h3>\u76f4\u63a5\u5bf9\u63a5\u94f6\u884c<\/h3>\n<p>\u6211\u4eec\u4ee3\u8868\u60a8\u4e0e\u94f6\u884c\u6c9f\u901a\uff0c\u63a8\u52a8\u7533\u8bf7\u987a\u5229\u8fdb\u884c\u3002<\/p>\n<p>\u4e2a\u4eba\u8d37\u6b3e\u5e38\u89c1\u95ee\u9898<\/p>\n<h2>\u95ee\u9898\uff0c \u4e3a\u60a8\u89e3\u7b54\u3002<\/h2>\n<p>Can you still help if I was rejected by a bank?+<\/p>\n<p>\u53ef\u4ee5\u3002\u88ab\u62d2\u901a\u5e38\u662f\u67d0\u4e2a\u53ef\u4ee5\u8865\u6551\u7684\u5177\u4f53\u95ee\u9898\uff0c\u6bd4\u5982 CCRIS \u8bb0\u5f55\u592a\u77ed\u3001\u65e0\u62b5\u62bc\u8d37\u6b3e\u592a\u591a\uff0c\u6216\u6536\u5165\u8bc1\u660e\u4e0d\u591f\u7a33\u5b9a\u3002\u6211\u4eec\u5e2e\u60a8\u627e\u51fa\u771f\u6b63\u7684\u539f\u56e0\uff0c\u6574\u7406\u597d\u60a8\u7684\u80cc\u666f\uff0c\u518d\u5411\u6700\u53ef\u80fd\u6279\u51c6\u7684\u94f6\u884c\u7533\u8bf7\u3002<\/p>\n<p>What interest rate can I expect?+<\/p>\n<p>\u80cc\u666f\u826f\u597d\u7684\u7533\u8bf7\u4eba\u53ef\u4eab\u4f4e\u81f3 3% \u56fa\u5b9a\u5e74\u5229\u7387\u3002\u5b9e\u9645\u5229\u7387\u8981\u770b\u60a8\u7684\u6536\u5165\u3001\u4fe1\u7528\u72b6\u51b5\u548c\u5e74\u9650\u3002\u6211\u4eec\u4f1a\u8c03\u7814\u5e02\u573a\uff0c\u5e2e\u60a8\u4e89\u53d6\u3002\u60a8\u4e5f\u53ef\u4ee5\u7528\u6211\u4eec\u7684 <a href=\"https:\/\/ncgsolution.com.my\/zh\/calculator\/\">\u8d37\u6b3e\u8ba1\u7b97\u5668<\/a>.<\/p>\n<p>Do I need to pay any upfront fees?+<\/p>\n<p>\u4e0d\u9700\u8981\u3002\u6211\u4eec\u7684\u521d\u6b65\u54a8\u8be2\u548c CTOS + CCRIS \u8bc4\u4f30\u90fd\u662f\u514d\u8d39\u7684\uff0c\u4e5f\u6ca1\u6709\u4efb\u4f55\u4e49\u52a1\u3002NCG \u662f\u987e\u95ee\u516c\u53f8\uff0c\u6211\u4eec\u672c\u8eab\u4e0d\u53d1\u653e\u8d37\u6b3e\uff0c\u6240\u6709\u878d\u8d44\u90fd\u7531\u94f6\u884c\u6216\u6301\u724c\u673a\u6784\u63d0\u4f9b\u3002<\/p>\n<p>How long does approval take?+<\/p>\n<p>\u6587\u4ef6\u9f50\u5168\u540e\uff0c\u4e2a\u4eba\u8d37\u6b3e\u7533\u8bf7\u901a\u5e38 3\u20137 \u5929\u5185\u5c31\u6709\u7ed3\u679c\u3002\u4e8b\u5148\u505a\u514d\u8d39 CTOS \u67e5\u8be2\u53ef\u4ee5\u52a0\u5feb\u8fdb\u5ea6\u3002\u65f6\u95f4\u4f1a\u56e0\u94f6\u884c\u548c\u80cc\u666f\u800c\u4e0d\u540c\u3002\u6211\u4eec\u4f1a\u4e00\u76f4\u5e2e\u60a8\u8ddf\u8fdb\u4e2a\u6848\uff0c\u6bcf\u4e2a\u9636\u6bb5\u90fd\u4f1a\u5411\u60a8\u66f4\u65b0\u8fdb\u5ea6\u3002<\/p>\n<p>\u7acb\u5373\u5f00\u59cb<\/p>\n<h2>60 \u79d2\uff0c\u8bc4\u4f30\u60a8\u7684\u4e2a\u4eba\u8d37\u6b3e\u3002<\/h2>\n<p>\u65e0\u9700\u9884\u4ed8\u8d39\u7528\u3002\u8d44\u6df1\u987e\u95ee\u4f1a\u5ba1\u6838\u60a8\u7684\u60c5\u51b5\u5e76\u901a\u8fc7 WhatsApp \u56de\u590d\uff0c\u5f80\u5f80\u51e0\u5206\u949f\u5185\u3002<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/images.pexels.com\/photos\/7681091\/pexels-photo-7681091.jpeg?auto=compress&amp;cs=tinysrgb&amp;w=900\" alt=\"NCG loan consultation\" \/><\/p>\n<h2>\u83b7\u53d6\u514d\u8d39\u4e2a\u4eba\u8d37\u6b3e\u8bc4\u4f30\u3002<\/h2>\n<p>\u514d\u8d39 CTOS + CCRIS \u67e5\u8be2\uff0c\u65e0\u4e49\u52a1\u3002\u8d44\u6df1\u987e\u95ee\u5c06\u5728\u6570\u5c0f\u65f6\u5185\u8054\u7cfb\u60a8\u3002<\/p>\n<p><a href=\"#\">\u514d\u8d39\u8d22\u52a1\u54a8\u8be2<\/a><br \/>\n<a href=\"#\">WhatsApp<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>&nbsp; &nbsp; Home \/ Services \/ Personal Loan Personal Loan in Malaysia From 3% p.a., up to 10 years, even if you were rejected, blacklisted, or under AKPK. Free CTOS + CCRIS check, decisions in 3\u20137 days. We serve Sabah, Sarawak &amp; overseas. Who It&#8217;s For Financing that fits your life. Whether you&#8217;re consolidating debts, [&hellip;]<\/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-17","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\/zh\/wp-json\/wp\/v2\/pages\/17","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ncgsolution.com.my\/zh\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ncgsolution.com.my\/zh\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ncgsolution.com.my\/zh\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ncgsolution.com.my\/zh\/wp-json\/wp\/v2\/comments?post=17"}],"version-history":[{"count":4,"href":"https:\/\/ncgsolution.com.my\/zh\/wp-json\/wp\/v2\/pages\/17\/revisions"}],"predecessor-version":[{"id":148,"href":"https:\/\/ncgsolution.com.my\/zh\/wp-json\/wp\/v2\/pages\/17\/revisions\/148"}],"wp:attachment":[{"href":"https:\/\/ncgsolution.com.my\/zh\/wp-json\/wp\/v2\/media?parent=17"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}