{"id":20,"date":"2026-07-08T07:11:21","date_gmt":"2026-07-08T07:11:21","guid":{"rendered":"https:\/\/ncgsolution.com.my\/debt-consolidation\/"},"modified":"2026-07-23T15:01:40","modified_gmt":"2026-07-23T07:01:40","slug":"debt-consolidation","status":"publish","type":"page","link":"https:\/\/ncgsolution.com.my\/zh\/debt-consolidation\/","title":{"rendered":"\u503a\u52a1\u6574\u5408"},"content":{"rendered":"<p><img decoding=\"async\" alt=\"Debt consolidation advisory in Malaysia\" src=\"https:\/\/images.unsplash.com\/photo-1554224154-26032ffc0d07?auto=format&amp;fit=crop&amp;w=1600&amp;q=70\" \/><\/p>\n<p>\u9996\u9875 \/ \u670d\u52a1 \/ \u503a\u52a1\u6574\u5408<\/p>\n<h1>\u7528\u503a\u52a1\u6574\u5408\u91cd\u65b0\u638c\u63a7\u8d22\u52a1<\/h1>\n<p>Commitments too high, or told &#8220;no&#8221; before? We turn multiple high-interest debts into one lower payment, often from 3% p.a. This works even if you were rejected or your credit is imperfect.<\/p>\n<p>\u8fd9\u662f\u4f60\u5417\uff1f<\/p>\n<h2>\u591a\u7b14\u503a\u52a1\uff0c\u4e00\u7b14 \u8fd8\u6b3e\u3002<\/h2>\n<p>\u503a\u52a1\u6574\u5408\u662f\u5904\u7406\u4e2a\u4eba\u503a\u52a1\u6700\u6709\u6548\u7684\u65b9\u6cd5\u4e4b\u4e00\u3002\u4e0e\u5176\u540c\u65f6\u5e94\u4ed8\u597d\u51e0\u7b14\u5404\u6709\u5229\u7387\u3001\u5404\u6709\u8fd8\u6b3e\u65e5\u7684\u8d37\u6b3e\u548c\u4fe1\u7528\u5361\uff0c\u4e0d\u5982\u8ba9\u6211\u4eec\u5e2e\u60a8\u628a\u5b83\u4eec\u5408\u6210\u4e00\u7b14\u878d\u8d44\uff0c\u901a\u5e38\u5229\u7387\u8fd8\u66f4\u4f4e\u3002<\/p>\n<h3>\u5982\u679c\u60a8\u7b26\u5408\u4ee5\u4e0b\u60c5\u51b5\uff0c\u6574\u5408\u503c\u5f97\u8003\u8651\u2026<\/h3>\n<ul>\n<li>\u6bcf\u6708\u5728\u507f\u8fd8\u591a\u7b14\u8d37\u6b3e\u4e0e\u4fe1\u7528\u5361\u3002<\/li>\n<li>\u89c9\u5f97\u6bcf\u6708\u8d1f\u62c5\u8fc7\u91cd\u3002<\/li>\n<li>\u5e0c\u671b\u53ea\u6709\u4e00\u4e2a\u6e05\u6e05\u695a\u695a\u7684\u8fd8\u6b3e\u65e5\uff0c\u4e0d\u8981\u90a3\u4e48\u591a\u4e2a\u3002<\/li>\n<li>Have bad or imperfect credit and were told &#8220;no&#8221; before.<\/li>\n<\/ul>\n<p><img decoding=\"async\" alt=\"Debt consolidation advisory in Malaysia\" src=\"https:\/\/images.unsplash.com\/photo-1554224154-26032ffc0d07?auto=format&amp;fit=crop&amp;w=1000&amp;q=75\" \/><\/p>\n<p>\u5316\u7e41\u4e3a\u4e00<\/p>\n<h2>\u91cd\u62fe \u5598\u606f\u7a7a\u95f4\u3002<\/h2>\n<p>\u597d\u51e0\u5f20\u4fe1\u7528\u5361\u3001\u597d\u51e0\u7b14\u8d37\u6b3e\uff0c\u5404\u6709\u5404\u7684\u8fd8\u6b3e\u65e5\u548c\u5229\u7387\uff0c\u538b\u5f97\u4eba\u5598\u4e0d\u8fc7\u6c14\u3002\u503a\u52a1\u6574\u5408\u628a\u5b83\u4eec\u5408\u6210\u4e00\u7b14\u8d37\u6b3e\u3001\u4e00\u7b14\u66f4\u4f4e\u7684\u6708\u4f9b\uff0c\u8ba9\u60a8\u6e05\u695a\u77e5\u9053\u6bcf\u4e2a\u6708\u51e0\u53f7\u6263\u591a\u5c11\u94b1\u3002\u5b83\u901a\u5e38\u6ca1\u529e\u6cd5\u4e00\u7b14\u52fe\u9500\u60a8\u7684\u6b20\u6b3e\uff0c\u4f46\u80fd\u8ba9\u4e00\u5207\u53d8\u5f97\u6709\u6761\u7406\uff0c\u8fd8\u6b3e\u6709\u4e2a\u66f4\u660e\u786e\u7684\u7ec8\u70b9\uff0c\u90a3\u4efd\u8f7b\u677e\u60a8\u662f\u771f\u7684\u611f\u53d7\u5f97\u5230\u7684\u3002<\/p>\n<p>Told &#8220;No&#8221; Before?<\/p>\n<h2>\u94f6\u884c\u4e3a\u4f55\u62d2\u7edd\u60a8\uff08\u4ee5\u53ca\u6211\u4eec\u5982\u4f55 \u89e3\u51b3\uff09\u3002<\/h2>\n<h3>\u8d1f\u62c5\u8fc7\u591a<\/h3>\n<p>\u597d\u51e0\u7b14\u8d37\u6b3e\u548c\u4fe1\u7528\u5361\u628a DSR \u6491\u5f97\u592a\u9ad8\u3002\u6574\u5408\u5c31\u662f\u89e3\u51b3\u529e\u6cd5\uff0c\u4e00\u7b14\u66f4\u4f4e\u7684\u6708\u4f9b\u5c31\u80fd\u628a\u5b83\u62c9\u56de\u6765\u3002<\/p>\n<h3>\u903e\u671f\u8fd8\u6b3e\u8bb0\u5f55<\/h3>\n<p>\u8fc7\u5f80\u903e\u671f\u62c9\u4f4e\u60a8\u7684\u8bc4\u5206\u3002\u514d\u8d39 CTOS \u67e5\u8be2\u80fd\u786e\u5207\u663e\u793a\u8be5\u5148\u6e05\u507f\u4ec0\u4e48\u3002<\/p>\n<h3>\u6536\u5165\u6587\u4ef6\u8584\u5f31<\/h3>\n<p>\u51fa\u7cae\u51fa\u73b0\u91d1\u6216 EPF \u4f9b\u5f97\u4e0d\u7a33\u5b9a\uff0c\u90fd\u4f1a\u62c9\u4f4e\u60a8\u7684\u6761\u4ef6\u3002\u6211\u4eec\u6559\u60a8\u600e\u6837\u628a\u6536\u5165\u6574\u7406\u6210\u94f6\u884c\u8ba4\u53ef\u7684\u6837\u5b50\u3002<\/p>\n<h3>\u9ed1\u540d\u5355\uff0fAKPK<\/h3>\n<p>\u901a\u5e38\u8fd8\u662f\u6709\u5f97\u505a\uff0c\u4e00\u822c\u6765\u8bf4\u57fa\u672c\u85aa\u6c34\u8d85\u8fc7 RM3,000 \u5c31\u53ef\u4ee5\u3002\u6211\u4eec\u4f1a\u5148\u5e2e\u60a8\u628a\u503a\u52a1\u6e05\u597d\uff0c\u518d\u53bb\u7533\u8bf7\u3002<\/p>\n<p>\u771f\u5b9e\u6848\u4f8b<\/p>\n<h2>\u6bcf\u6708 RM3,433 \u2192 RM975 \u3002<\/h2>\n<p>\u6574\u5408\u7684\u603b\u503a\u52a1<\/p>\n<p>RM90,000<\/p>\n<p>\u4e2a\u4eba\u8d37\u6b3e + \u4fe1\u7528\u5361<\/p>\n<p>\u6574\u5408\u524d \u2192 \u6574\u5408\u540e<\/p>\n<p>RM3,433 RM975<\/p>\n<p>\u6bcf\u6708\u8fd8\u6b3e<\/p>\n<p>\u6761\u4ef6<\/p>\n<p>3% p.a.<\/p>\n<p>\u5206 10 \u5e74<\/p>\n<p>Illustrative example only. Actual rates, tenure and savings depend on the bank&#8217;s assessment of your profile.<\/p>\n<p><a href=\"https:\/\/ncgsolution.com.my\/zh\/calculator\/\">\u4f30\u7b97\u60a8\u80fd\u7701\u591a\u5c11 <\/a><\/p>\n<p>\u6574\u5408\u7684\u597d\u5904<\/p>\n<h2>\u66f4\u7b80\u5355\u3001\u66f4\u7701\u3001\u66f4 \u5b89\u5fc3\u3002<\/h2>\n<h3>\u66f4\u4f4e\u5229\u7387<\/h3>\n<p>\u7528\u4e00\u7b14\u4f4e\u5229\u7387\u7684\u878d\u8d44\u53d6\u4ee3\u90a3\u4e9b\u9ad8\u606f\u4fe1\u7528\u5361\u548c\u8d37\u6b3e\uff0c\u901a\u5e38\u4f4e\u81f3 3% \u5e74\u5229\u7387\u3002<\/p>\n<h3>\u4e00\u7b14\u7b80\u5355\u8fd8\u6b3e<\/h3>\n<p>\u5c06\u591a\u7b14\u8d1f\u62c5\u5408\u5e76\u4e3a\u4e00\u7b14\u6708\u4f9b\uff0c\u53ea\u6709\u4e00\u4e2a\u8fd8\u6b3e\u65e5\u3002<\/p>\n<h3>\u964d\u4f4e\u6bcf\u6708\u5f00\u9500<\/h3>\n<p>\u5408\u9002\u5e74\u9650\u52a0\u4e0a\u66f4\u4f4e\u5229\u7387\uff0c\u6bcf\u6708\u91ca\u653e\u73b0\u91d1\uff0c\u8ba9\u503a\u52a1\u66f4\u597d\u7ba1\u7406\u3002<\/p>\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\u7684\u6574\u5408\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>\u503a\u52a1\u6574\u5408\u5e38\u89c1\u95ee\u9898<\/p>\n<h2>\u95ee\u9898\uff0c \u4e3a\u60a8\u89e3\u7b54\u3002<\/h2>\n<p>Can I consolidate if I have bad or imperfect credit?+<\/p>\n<p>\u901a\u5e38\u53ef\u4ee5\u3002\u6574\u5408\u672c\u6765\u5c31\u662f\u4e3a\u80cc\u7740\u597d\u51e0\u7b14\u503a\u52a1\u7684\u4eba\u800c\u8bbe\u7684\u3002\u6211\u4eec\u4f1a\u770b\u60a8\u7684 CCRIS\/CTOS\uff0c\u5904\u7406\u94f6\u884c\u4f1a\u6311\u5254\u7684\u90a3\u4e9b\u95ee\u9898\uff0c\u518d\u5e2e\u60a8\u5bf9\u63a5\u6700\u6709\u673a\u4f1a\u6279\u7684\u673a\u6784\u3002<\/p>\n<p>How much could I actually save each month?+<\/p>\n<p>\u8fd9\u8981\u770b\u60a8\u73b0\u5728\u7684\u5229\u7387\u548c\u6b20\u6b3e\u4f59\u989d\uff0c\u4e0d\u8fc7\u7701\u4e0b\u6765\u7684\u53ef\u80fd\u76f8\u5f53\u53ef\u89c2\u3002\u6709\u4e2a\u6848\u4f8b\uff0cRM90,000 \u7684\u6574\u5408\u5c31\u628a\u6708\u4f9b\u4ece RM3,433 \u964d\u5230\u4e86 RM975\u3002\u7528\u6211\u4eec\u7684 <a href=\"https:\/\/ncgsolution.com.my\/zh\/calculator\/\">\u8ba1\u7b97\u5668<\/a> \u7b97\u7b97\u60a8\u81ea\u5df1\u7684\u60c5\u51b5\u3002<\/p>\n<p>Are there any upfront fees?+<\/p>\n<p>\u6ca1\u6709\u3002\u6211\u4eec\u7684\u54a8\u8be2\u548c CCRIS\/CTOS \u5ba1\u9605\u90fd\u662f\u514d\u8d39\u7684\uff0c\u4e5f\u6ca1\u6709\u4e49\u52a1\u3002NCG \u662f\u987e\u95ee\u673a\u6784\uff0c\u6211\u4eec\u4e0d\u53d1\u653e\u8d37\u6b3e\uff0c\u6240\u6709\u878d\u8d44\u90fd\u662f\u7531\u94f6\u884c\u6216\u6301\u724c\u673a\u6784\u63d0\u4f9b\u3002<\/p>\n<p>Will consolidating hurt my credit score?+<\/p>\n<p>\u53ea\u8981\u5904\u7406\u5f97\u597d\uff0c\u6574\u5408\u901a\u5e38\u8fd8\u6709\u5e2e\u52a9\uff1a\u7ba1\u597d\u4e00\u7b14\u51c6\u65f6\u8fd8\u6b3e\uff0c\u603b\u6bd4\u540c\u65f6\u76ef\u7740\u597d\u51e0\u7b14\u5bb9\u6613\uff0c\u628a\u5faa\u73af\u7684\u4fe1\u7528\u5361\u4f59\u989d\u6e05\u6389\uff0c\u4fe1\u7528\u4e5f\u4f1a\u6162\u6162\u53d8\u597d\u3002\u6211\u4eec\u4f1a\u6559\u60a8\u600e\u6837\u6b63\u786e\u7ba1\u7406\u3002<\/p>\n<p>\u7acb\u5373\u5f00\u59cb<\/p>\n<h2>60 \u79d2\uff0c\u770b\u770b\u60a8\u6bcf\u6708\u80fd\u7701\u591a\u5c11\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\" alt=\"NCG loan consultation\" src=\"https:\/\/images.pexels.com\/photos\/7681091\/pexels-photo-7681091.jpeg?auto=compress&amp;cs=tinysrgb&amp;w=900\" \/><\/p>\n<h2>\u4e00\u7b14\u8fd8\u6b3e\uff0c\u4e00\u6761\u6e05\u6670\u7684\u524d\u8def\u3002<\/h2>\n<p>\u514d\u8d39 CCRIS\/CTOS \u5ba1\u9605\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>Home \/ Services \/ Debt Consolidation Take control with debt consolidation Commitments too high, or told &#8220;no&#8221; before? We turn multiple high-interest debts into one lower payment, often from 3% p.a. This works even if you were rejected or your credit is imperfect. Is this you? Many debts, one payment. Debt consolidation is one of [&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-20","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\/20","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=20"}],"version-history":[{"count":2,"href":"https:\/\/ncgsolution.com.my\/zh\/wp-json\/wp\/v2\/pages\/20\/revisions"}],"predecessor-version":[{"id":114,"href":"https:\/\/ncgsolution.com.my\/zh\/wp-json\/wp\/v2\/pages\/20\/revisions\/114"}],"wp:attachment":[{"href":"https:\/\/ncgsolution.com.my\/zh\/wp-json\/wp\/v2\/media?parent=20"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}