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MACAdvisory
Sdn Bhd
Financial Health Report
Step 3 · Full Assessment
Report ID · SAMPLE-S · 25 Oct 2026
Overall Financial Position
Excellent
CTOS · Very Good

Ahmad, strong credit profile. Banks typically view this score favourably.

Your Borrowing Range
RM 107,600,136,700
—
RM 107,600,136,700

Your estimated range at a healthy DSR position.

107,600,136,700107,600,136,700
Your Monthly
Commitment
RM 3,200
/ month

An estimate to help you plan with confidence.

Indicative tenure
Your Next Step
Personal Financing

Your MAC advisor will guide you on the next action.

Financial Snapshot

Monthly Income
RM 8,500/month
Existing Commitments
RM 3,200/month
Indicative DSR
37.6%
Financial Readiness
High
Primary Direction
Personal Financing
Executive Summary

Strong overall profile with clean repayment conduct.

Overall
Strong
Risk
Low
Assessment
Achieved
Financial
Achieved
Submission
33%
Current situation
CTOS profile in the Good band; verified monthly income of RM 8,500; existing commitments of ~RM 3,200/month; clean repayment conduct.
Key findings
  • ·No material risk flags surfaced from the documents currently on file.
Recommended direction
Personal Financing
High Recommendation Confidence
Why this direction was selected
  • →Your stated intent (Personal Loan) aligns directly with this pathway — your goal is the strongest single signal.
  • →Verified monthly income of RM 8,500 (Payslip · EPF Statement) — strong evidentiary base for the assessment.
  • →Indicative DSR is 37.6% — within the typical comfort range for considering new financing options.
  • →CTOS score sits in the Good band — most mainstream lender packages remain open for exploration.
  • →Repayment conduct over the last 12 months is clean — no arrears flags to address.
You indicated a cash / personal financing need. your commitments leave room for a new, well-structured facility. approximately RM 1,900/month of DSR headroom is available for a new facility, subject to advisor review and final lender assessment.
Potential objective
With ~RM 1,900/month of indicative DSR headroom, the natural objective is to structure a personal financing package that uses that headroom efficiently — keeping you well under the 60% DSR cap.
Next steps
  1. 1.Upload your IC (NRIC, front & back) to complete the document picture.
  2. 2.Upload your Latest 3–6 months personal bank statement (salary credit) to complete the document picture.
  3. 3.Upload your IC / NRIC next — that unlocks the most useful next step on this pathway.
Supporting Detail
Financial PositionReady to Finance— You may proceed with the most appropriate financing strategy.
Recommended StrategyPersonal FinancingHigh Confidence

Approximately RM 1,900/month of DSR headroom is available for a new facility, subject to advisor review and final lender assessment.

A new facility adds a fresh monthly commitment and a hard credit enquiry — the structure and tenure should match your cash flow.

Alternative considered
Debt ConsolidationModerate confidence

Debt Consolidation was considered, but your current commitments are manageable — a well-structured new facility serves your objective more directly.

Financing Pathways

Preliminary considerations only — every pathway is subject to advisor review and bank assessment.

Most relevant Primary

Personal Financing

Your good credit profile and clean repayment conduct generally keep most mainstream personal financing packages open for exploration.

Why this direction was selected
High Confidence
  • →Your stated intent (Personal Loan) aligns directly with this pathway — your goal is the strongest single signal.
  • →Verified monthly income of RM 8,500 (Payslip · EPF Statement) — strong evidentiary base for the assessment.
  • →Indicative DSR is 37.6% — within the typical comfort range for considering new financing options.
  • →CTOS score sits in the Good band — most mainstream lender packages remain open for exploration.
  • →Repayment conduct over the last 12 months is clean — no arrears flags to address.
Documents this pathway typically requires
IC / NRICPayslipBank Statement
Things to consider
  • ·Final assessment and rates remain subject to each lender's own review.
Recommended next step
Upload your IC / NRIC next — that unlocks the most useful next step on this pathway.
Preliminary financing consideration — subject to bank assessment and advisor review.
Worth exploring

Debt Consolidation

Based on your current credit profile — 1 credit-card / revolving facility and 2 active facilities — consolidating your existing balances into a single structured financing facility may help reduce your monthly commitments, simplify repayments and improve overall cash flow.

Documents this pathway typically requires
IC / NRICPayslipBank StatementCCRIS Report
Things to consider
  • ·Consolidation works best when income is stable and conduct on recent facilities is clean.
Recommended next step
Upload your IC / NRIC next — that unlocks the most useful next step on this pathway.
Preliminary financing consideration — subject to bank assessment and advisor review.
Ready for the next step?
Speak with a MAC advisor to act on this recommendation. We'll confirm fit, finalise your submission package, and engage the right financial institution.
Speak to advisor

Financial Profile

CTOS ScoreCTOS
726
Good
Total OutstandingCCRIS
RM 153,600
Across all active facilities
Monthly InstalmentCCRIS
RM 3,200
Total monthly commitment
Active FacilitiesCCRIS
2
Arrears PatternCCRIS
Clean
No arrears in the last 12 months
12-mo ApplicationsCCRIS
1
1 credit application in the last 12 months
Facility Breakdown
1Personal Loan1Credit Card
Legal Cases Not detected
Special Attention Not detected
Bankruptcy Not detected
CCRIS Special Accounts Not detected
Joint / Guarantor Not detected

Loan Capacity Assessment

A preliminary view of your borrowing position. All figures are estimates only.

Existing Commitments
Available
RM 3,200/month
Source · CCRIS Report
Combined monthly instalment across active facilities.
Monthly Income (Net)
High Confidence
RM 8,500/month
Source · Payslip · EPF Statement
Payslip + EPF verified · Bank Statement optional
Take-home pay after EPF, SOCSO and tax — reconciled across uploaded income documents.
Indicative DSR
High Confidence
37.6%
Source · Income · CCRIS Report
Payslip + EPF verified · Bank Statement optional
Indicative — proportion of verified income currently absorbed by existing commitments. Typically kept under 60% for healthy approval prospects.
Estimated Borrowing Capacity
High Confidence
RM 107,600 – RM 136,700
Source · Income · CCRIS Report · Personal Loan
Payslip + EPF verified · Bank Statement optional
Indicative principal range at the 60% DSR safety cap (headroom RM 1,900/month, 7-yr tenure, 4.5% – 12.0% band).
Estimated Monthly Instalment
High Confidence
≤ RM 1,900/month
Source · Income · CCRIS Report
Payslip + EPF verified · Bank Statement optional
Indicative maximum monthly instalment at the 60% DSR safety cap. Final tenure + rate determine the exact figure.
Indicative Interest Range
Available
4.5% – 12.0%
Source · Indicative market band
Effective p.a. — typical Malaysian market band for Personal Loan.
Documents Used
CCRIS Report EPF Statement Indicative market band Payslip
All figures are estimates only — Subject to Advisor Review and Bank Assessment.

What we see

  • Good band score with consistent repayment history
  • Existing commitments at ~RM 3,200/month
  • No legal cases or special-attention records detected
  • Clean 12-month conduct — no arrears detected
  • Low application velocity (1 in the last 12 months)

Readiness Snapshot

Assessment Readiness ACTIVE
100%
2/2 core docs
Complete — credit position fully reconciled
Financial Readiness ACHIEVED
High
Live credit commitments reconciled
Submission Readiness ACTIVE
33%
4/6 core docs
Build your submission package — upload core documents to begin
Unlock next
Bank Statement+15%
IC / NRIC+10%

How we read your documents

Source
CTOS Report
File
—
Prompt
—
Source
CCRIS Report
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—
Prompt
—
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What happens next

Three quiet steps between your report and your decision.

You’ve done the hardest part. From here, your MAC advisor takes the lead — at your pace, without pressure.

  1. 1
    Advisor review

    A senior MAC advisor reads through your report and cross-checks every figure.

  2. 2
    Personal walkthrough

    We call you within one business day to walk through the recommendation together.

  3. 3
    Your decision

    You decide whether to move forward. No obligation — the report stays yours to keep.

© 2026 MAC ADVISORY SDN BHD · Report ID sample-s · Version report.v1.15.2026-02