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Increase Loan Amount

A Licensed Bank Loan Agency in Malaysia You Can Trust

Bluebricks is a trusted bank loan agency and debt consolidation agency in Malaysia, specialising in enhancing financial flexibility through tailored loan solutions.
Our team’s expertise in personal loans, SME loans, refinance loans, and mortgage loans, paired with our deep understanding of market trends, uniquely positions us to cater to your financial needs, such as increasing your loan amount with trust and efficiency.

Can I Increase My Loan Amount in Malaysia?

Securing a bank loan in Malaysia requires understanding each bank’s unique preferences and risk assessments. Loan approvals vary due to these differences; for example, some banks might lend more generously than others or have specific CTOS score requirements.
To increase your chances of getting a larger loan, apply to the bank that best fits your financial profile first. If unsuccessful, seek advice from a reputable financial agency.
However, be cautious about applying to multiple banks on your own, as this can negatively impact your CTOS score and affect future loan prospects. A focused and informed approach is key to increasing your loan amount in Malaysia.

Should I Increase My Loan Amount in Malaysia?

Deciding to increase your loan amount in Malaysia is a major financial decision that involves weighing various pros and cons.

Advantages of Increasing Your Loan Amount

Meeting Diverse Financial Needs

With additional funds, you can cater to various personal or business requirements, such as home renovations, education, medical expenses and more.

Debt Consolidation

Increasing your loan allows you to consolidate multiple debts into a single loan. This often comes with a lower interest rate and extended repayment period, potentially reducing your interest costs and improving cash flow management.

Disadvantages of Increasing Your Loan Amount

Increased Interest Payments

A larger loan amount inevitably means more interest paid over the loan’s lifespan. This can elevate your total borrowing cost, impacting your savings or disposable income.

Higher Debt-to-Income Ratio

With a bigger loan, your debt-to-income ratio rises, negatively affecting your credit score and future borrowing capacity.
For personalised advice tailored to your unique circumstances, consider consulting a financial advisor or a loan specialist like Bluebricks. We guide you through every step of your financial journey, ensuring your choices align with your long-term financial health and goals.

How Can We Help

At Bluebricks, we are committed to providing clear, concise information and support to help you navigate your loan options in Malaysia. We offer a range of solutions, including:

Rejected Loan

Our loan experts analyse the reasons behind your rejection and work with you to enhance your chances of loan approval.
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Increase Loan Amount

We assess your financial profile, providing insights on maximising your eligibility and connecting you with the right financial institutions to meet your specific needs.

Low Interest & Fast Approval

We specialise in finding low-interest loan options coupled with fast approval processes, ensuring you get the financial support you need without unnecessary delays.
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Get In Touch With Our Loan Experts

Ready to explore your options? Fill out our form to discover how you can increase your loan amount with Bluebricks!
Ready to explore your options? Fill out our form to discover how you can increase your loan amount with Bluebricks!

Why Bluebricks?

Licensed Loan Brokerage In Malaysia

We act as your loan agents and represent not only individuals but also businesses. As technical financial advisors, we work with various borrowers and support you to get your loans approved. You will have access to a wide range of loans, even if banks or lenders have rejected you. Our goal is to offer advice that helps ensure your loan applications are successful and not subject to rejection.

Over 10 Years of Experience

We will navigate through all situations alongside our clients, managing payments and resolving any issues that arise. Our solutions reflect insights gained from years of experience and are supported by a range of supplementary services. These include loan and credit solutions, consultancy on real estate financing, and technology responses for asset management.

One-Stop Solution

We offer comprehensive loan services, acting as a one-stop solution for our clients, where we compile a variety of loan options from lenders for your consideration. All you need to do is provide us with the necessary documentation, including your income statement, assets and liabilities, employment record, and credit history. We will manage your collateral and documentation to facilitate loan approval.

Full Financing with 100% Bank Loans

We understand that financial accessibility is key, which is why we offer 100% bank loan availability. This unique opportunity is perfect if you are in need of complete financial support, providing an accessible path to your goals while also helping you build a positive credit history.

No Upfront Payment Required

We believe in easing your financial journey from the start. With our no upfront payment policy, you can embark on your investment without any initial financial strain, not only reducing your immediate burden but also reflecting our commitment to your satisfaction and trust in our services.

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Increase Loan Amount – FAQs

To increase your loan amount in Malaysia, consider the following strategies:

  • Extend the duration of your loan term.
  • Find the right bank that aligns with your financial situation and loan requirements.
  • Consult a loan agency that can provide guidance and assistance with your application process.
  • Refinance your existing mortgage.
  • Pay off current debts to reduce your debt-to-income ratio.
  • Work on boosting your credit score through timely payments and responsible credit use.
  • Increase your income, either through a higher-paying job or additional revenue streams.

Increasing your loan amount can temporarily lower your credit score, as it adds to your total debt burden. This short-term impact might also restrict your ability to acquire new loans or open additional credit cards.

A top-up loan is another way to increase your loan amount in Malaysia. It refers to an additional loan amount granted over and above an existing mortgage and is often linked to home loans, with the property serving as collateral.

Over time, as the property's market value appreciates, homeowners can opt for a top-up loan based on this increased value.

Getting A Bank Loan is Easier Than You Think！

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