![\"Loan](\"https:\/\/images.unsplash.com\/photo-1497215728101-856f4ea42174?auto=format&fit=crop&w=1600&q=70\")
<\/p>\n
\u9996\u9875 \/ \u5e38\u89c1\u95ee\u9898<\/p>\n
Honest answers on fees, eligibility, the process and how we protect your data. Can’t find yours? Message us.<\/p>\n
\u4e00\u822c\u95ee\u9898<\/p>\n
What exactly does NCG do?+<\/p>\n
\u6211\u4eec\u662f\u94f6\u884c\u8d37\u6b3e\u987e\u95ee\u516c\u53f8\u3002\u6211\u4eec\u4f1a\u5206\u6790\u60a8\u7684\u80cc\u666f\uff0c\u5e2e\u60a8\u5339\u914d\u6700\u53ef\u80fd\u6279\u51c6\u7684\u94f6\u884c\uff0c\u51c6\u5907\u597d\u6587\u4ef6\uff0c\u518d\u4ee3\u8868\u60a8\u8ddf\u94f6\u884c\u8c08\u3002\u6211\u4eec\u8986\u76d6\u8d85\u8fc7 20 \u5bb6\u94f6\u884c\u4e0e\u6301\u724c\u673a\u6784\u3002<\/p>\n
Does NCG lend money directly?+<\/p>\n
\u4e0d\u4f1a\u3002\u6211\u4eec\u662f\u987e\u95ee\uff0c\u4e0d\u662f\u653e\u503a\u4eba\u3002\u6240\u6709\u8d37\u6b3e\u90fd\u662f\u7531\u94f6\u884c\u6216\u6301\u724c\u673a\u6784\u53d1\u653e\u7684\u3002\u6211\u4eec\u53ea\u662f\u5e2e\u60a8\u4ee5\u6700\u597d\u7684\u6761\u6b3e\u83b7\u6279\u3002<\/p>\n
How long until I know if I’m approved?+<\/p>\n
\u6587\u4ef6\u9f50\u5168\u540e\uff0c\u4e2a\u4eba\u4e0e\u623f\u5c4b\u8d37\u6b3e\u901a\u5e38 3\u20137 \u5929\u5185\u6709\u7ed3\u679c\uff1b\u4f01\u4e1a\u8d37\u6b3e\u9700\u65f6\u8f83\u957f\u3002\u4e8b\u5148\u505a\u514d\u8d39 CTOS \u67e5\u8be2\u53ef\u5728\u63d0\u4ea4\u524d\u4fee\u6b63\u95ee\u9898\uff0c\u52a0\u5feb\u8fdb\u5ea6\u3002<\/p>\n
Which banks or lenders can you apply to?+<\/p>\n
\u6240\u6709\u9a6c\u6765\u897f\u4e9a\u4e3b\u8981\u94f6\u884c\uff0c\u4ee5\u53ca\u5408\u6cd5\u7684\u975e\u94f6\u884c\u673a\u6784\u4e0e\u5e73\u53f0\uff0c\u5982\u6301\u724c P2P \u878d\u8d44\u3002\u6211\u4eec\u8ddf\u8d85\u8fc7 20 \u5bb6\u94f6\u884c\u53ca\u673a\u6784\u5408\u4f5c\uff0c\u5e2e\u60a8\u627e\u51fa\u653f\u7b56\u6700\u9002\u5408\u60a8\u7684\u90a3\u4e00\u5bb6\u3002<\/p>\n
Do I need to be in KL or visit a branch?+<\/p>\n
\u4e0d\u9700\u8981\u3002\u6574\u4e2a\u6d41\u7a0b\u53ef\u901a\u8fc7 WhatsApp \u4e0e\u7535\u8bdd\u5728\u7ebf\u5b8c\u6210\u3002\u6211\u4eec\u670d\u52a1\u6c99\u5df4\u3001\u7802\u62c9\u8d8a\u53ca\u6d77\u5916\uff08\u65b0\u52a0\u5761\u3001\u8fea\u62dc\u3001\u6fb3\u6d32\u7b49\uff09\u5ba2\u6237\u3002\u521d\u6b65\u5206\u6790\u901a\u5e38 1\u20132 \u5929\u5185\u5b8c\u6210\u3002<\/p>\n
\u8d39\u7528<\/p>\n
Do you charge upfront fees?+<\/p>\n
\u7edd\u4e0d\u3002\u6211\u4eec\u7684\u653f\u7b56\u4e0d\u5141\u8bb8\u6536\u53d6\u4efb\u4f55\u624b\u7eed\u8d39\u6216\u524d\u671f\u8d39\u7528\u3002\u521d\u6b21\u54a8\u8be2\u4e0e\u80cc\u666f\u8bc4\u4f30\u5b8c\u5168\u514d\u8d39\u3002\u9a97\u5b50\u53ef\u80fd\u4f1a\u5728\u653e\u6b3e\u524d\u8ddf\u60a8\u6536\u8d39\uff0c\u6240\u4ee5\u5728\u60a8\u5206\u4eab\u4efb\u4f55\u8d44\u6599\u6216\u4ed8\u94b1\u4e4b\u524d\uff0c\u4e00\u5b9a\u8981\u5148\u6838\u5b9e\u987e\u95ee\u7684\u8eab\u4efd\u3002<\/p>\n
Is the CTOS & CCRIS check free?+<\/p>\n
\u662f\u7684\u3002\u4f5c\u4e3a\u514d\u8d39\u8bc4\u4f30\u7684\u4e00\u90e8\u5206\uff0c\u6211\u4eec\u4f1a\u5ba1\u9605\u60a8\u7684 CTOS \u4e0e CCRIS\uff0c\u4ee5\u4fbf\u5728\u60a8\u7533\u8bf7\u524d\u7ed9\u51fa\u51c6\u786e\u5efa\u8bae\u3002<\/p>\n
How does NCG get paid?+<\/p>\n
\u4efb\u4f55\u670d\u52a1\u8d39\u90fd\u4f1a\u900f\u660e\u5730\u8ddf\u60a8\u7ea6\u5b9a\u597d\uff0c\u800c\u4e14\u53ea\u5728\u6210\u529f\u83b7\u6279\u4e0e\u653e\u6b3e\u4e4b\u540e\u624d\u6536\u3002\u7edd\u4e0d\u9884\u6536\uff0c\u4e5f\u7edd\u4e0d\u9690\u85cf\u3002\u6211\u4eec\u4e00\u5b9a\u4f1a\u5148\u7528\u767d\u7eb8\u9ed1\u5b57\u8ddf\u60a8\u8bf4\u6e05\u695a\u3002<\/p>\n
\u8d44\u683c\u6761\u4ef6<\/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
\u901a\u5e38\u53ef\u4ee5\uff0c\u4e00\u822c\u53ea\u8981\u60a8\u7684\u57fa\u672c\u85aa\u8d44\u8d85\u8fc7 RM3,000\uff08\u4e0d\u542b\u52a0\u73ed\u3001\u6d25\u8d34\u4e0e\u4f63\u91d1\uff09\u5c31\u884c\u3002\u6211\u4eec\u4f1a\u5982\u5b9e\u5ba1\u9605\u60a8\u7684 CTOS\/CCRIS \u4e0e AKPK \u72b6\u6001\uff0c\u5148\u5e26\u60a8\u628a\u503a\u52a1\u5904\u7406\u597d\uff0c\u8ba9\u7533\u8bf7\u6709\u6700\u597d\u7684\u673a\u4f1a\u3002<\/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
\u4e0d\u80fd\u3002\u6ca1\u6709\u4eba\u80fd\u8001\u5b9e\u5730\u4fdd\u8bc1\u4e00\u5b9a\u83b7\u6279\uff0c\u4efb\u4f55\u8fd9\u4e48\u8bf4\u7684\u4eba\u90fd\u662f\u5728\u8bef\u5bfc\u60a8\u3002\u6211\u4eec\u80fd\u7ed9\u60a8\u7684\u662f\u7ecf\u9a8c\uff1a\u6211\u4eec\u5904\u7406\u4fe1\u7528\u95ee\u9898\u7684\u6210\u529f\u8bb0\u5f55\uff0c\u4f1a\u8ba9\u60a8\u6bd4\u81ea\u5df1\u5355\u72ec\u7533\u8bf7\u591a\u51fa\u5f88\u591a\u673a\u4f1a\u3002<\/p>\n
How can I improve my CCRIS \/ CTOS?+<\/p>\n
\u8fde\u7eed 6 \u4e2a\u6708\u4ee5\u4e0a\u51c6\u65f6\u8fd8\u6b3e\u3001\u964d\u4f4e\u4fe1\u7528\u5361\u7684\u4f7f\u7528\u6bd4\u4f8b\u3001\u907f\u514d\u518d\u7533\u8bf7\u65b0\u7684\u65e0\u62b5\u62bc\u8d37\u6b3e\u3001\u8fd8\u6e05\u5c0f\u989d\u7684\u903e\u671f\u8d26\u6237\u3002\u6211\u4eec\u4f1a\u6839\u636e\u60a8\u7684\u62a5\u544a\uff0c\u7ed9\u60a8\u4e00\u4efd\u4e13\u5c5e\u7684\u68c0\u67e5\u6e05\u5355\u3002<\/p>\n
What is DSR and why does it matter?+<\/p>\n
DSR\uff08\u503a\u52a1\u507f\u8fd8\u6bd4\u7387\uff09\u5c31\u662f\u60a8\u6bcf\u6708\u7684\u603b\u8d1f\u503a\u9664\u4ee5\u6536\u5165\u3002\u5927\u591a\u6570\u94f6\u884c\u6279\u51c6\u7684\u4e0a\u9650\u5927\u7ea6\u5728 60\u201370%\u3002DSR \u8d8a\u4f4e\uff0c\u53ef\u501f\u7684\u7a7a\u95f4\u5c31\u8d8a\u5927\u3002\u7528\u6211\u4eec\u7684\u8ba1\u7b97\u5668\u7b97\u4e00\u7b97\u60a8\u7684\u6570\u503c\u5427\u3002<\/p>\n
\u6d41\u7a0b<\/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
\u5728\u60a8\u7b7e\u5b57\u63a5\u53d7\u4e4b\u524d\uff0c\u6211\u4eec\u4f1a\u966a\u60a8\u628a\u6700\u7ec8\u6761\u6b3e\u770b\u6e05\u695a\uff0c\u5e26\u60a8\u8d70\u5b8c\u653e\u6b3e\u6d41\u7a0b\u3002\u65e5\u540e\u8981\u518d\u878d\u8d44\u6216\u52a0\u989d\uff0c\u6211\u4eec\u4e5f\u968f\u65f6\u90fd\u5728\u3002<\/p>\n
\u9690\u79c1\u4e0e\u5b89\u5168<\/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
\u7edd\u5bf9\u4e0d\u4f1a\u3002\u6211\u4eec\u7edd\u4e0d\u4f1a\u5411\u60a8\u7d22\u53d6\u7f51\u94f6\u5bc6\u7801\u3001OTP \u6216 TAC \u9a8c\u8bc1\u7801\u3002\u4efb\u4f55\u81ea\u79f0\u662f NCG \u5374\u5411\u60a8\u7d22\u8981\u8fd9\u4e9b\u7684\u4eba\uff0c\u90fd\u662f\u5728\u5192\u5145\u6211\u4eec\u3002\u8bf7\u7acb\u523b\u4e3e\u62a5\u3002<\/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\")
<\/p>\n
\u5728 WhatsApp \u4e0a\u627e\u8d44\u6df1\u987e\u95ee\u804a\u804a\u3002\u771f\u5b9e\u89e3\u7b54\uff0c\u7edd\u65e0\u4e49\u52a1\u3002<\/p>\n
WhatsApp \u54a8\u8be2<\/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\/zh\/wp-json\/wp\/v2\/pages\/22","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=22"}],"version-history":[{"count":2,"href":"https:\/\/ncgsolution.com.my\/zh\/wp-json\/wp\/v2\/pages\/22\/revisions"}],"predecessor-version":[{"id":115,"href":"https:\/\/ncgsolution.com.my\/zh\/wp-json\/wp\/v2\/pages\/22\/revisions\/115"}],"wp:attachment":[{"href":"https:\/\/ncgsolution.com.my\/zh\/wp-json\/wp\/v2\/media?parent=22"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
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