Housing Loan Malaysia

Personalised Housing Loans in Malaysia with Bluebricks

At BlueBricks Holding, we go beyond being just a loan agency; we’re your trusted partner in finding the right financing for your needs, ensuring your peace of mind and financial success.
We offer personalised housing loan solutions, using our deep market knowledge and experience to help you secure the best housing loans in Malaysia that fit your unique needs.

What is a Housing Loan in Malaysia?

A housing loan, or mortgage, is a loan provided by financial institutions to individuals looking to purchase or construct a residential property. It involves borrowing a certain amount of money, which is then paid back with interest over a predetermined period.

What Are Housing Loan Rejected Services in Malaysia

Housing Loan Rejected Services involve the whole process of making your loan application right after knowing your loan is rejected by handing it over to a third-party loan consultancy agency (not from banks).

The agency would help failed applicants to find out the reasons for rejection, execute adjustment and rearrangement, and submit to a bank that has a higher chance of approval and larger loan sum (if you wish) until you finally get the bank loan approved.

Reasons Your Housing Loan in Malaysia was Rejected

Banks have specific criteria to determine if an individual qualifies for a loan. If you lack in any of these areas of assessment, you may be rejected and would need to wait for another 3-6 months to resubmit your application.

It is often 10-20% lesser than the current selling price of similar homes. This is because bank valuations are traditionally conservative to protect the bank's interest.

a. No stable income
b. No payslips
c. Your income did not enter your bank statement
d. Low income earner
e. High commitment
f. Your company does not pay you like a normal employee (e.g., you do not have EPF or are on a contract basis)

a. You are under the AKPK programme
b. Blacklisted
c. Bad repayment issue
d. Special attention accounts by banks
e. Trade or credit reference
f. Company is closing down
g. Restructured loan
h. Bounced cheque
i. Suspected mule account

It’s important to note that our services are limited in certain circumstances. For instance, we are unable to assist if you are currently facing legal cases, bankruptcy, or have active summon cases.

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

Upon identifying the cause of rejection, we offer tailored solutions and resources to address and resolve the loan denial issue.

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.

Get In Touch With Our Loan Experts

Ready to explore your options? Fill out our form to discover how we can help you with your housing loan in Malaysia!
Ready to explore your options? Fill out our form to discover how we can help you with your housing loan in Malaysia!

Why Bluebricks?

One of the Top 10 Leading Loan Agencies 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 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

Since 2014, we have been assisting clients in securing various types of loans, including personal, business, mortgage, and collateral loans. Our expertise extends to overcoming challenges such as CTOS/CCRIS issues, income documentation problems, and high commitment situations, offering comprehensive solutions tailored to each client's needs.

Moreover, our ten years in the field have equipped us with a deep understanding and up-to-date banking knowledge, enabling us to effectively resolve loan complications. Complex loan scenarios are our forte, ensuring we guide you towards a successful loan approval with confidence.

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 banks and credit houses 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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The above is bank basic loan assessment in approving an application.

When bank found out there is one or more issues prompted in the system, your loan would be rejected immediately.

With any of the above issue got rejected within a bank, you would need to wait for 3 to 6 months until the next chance for submission and 3-6 months would have many things happen.

What if Bluebricks has the solution to the risk of having to wait for another 3-6 months, would you want to know?

How Do You Know If You Need Loan Rejected Services?

You wouldn’t need it when you know how to secure/obtain the bank loans that you need. The fact is many thought that they knew, still eventually got their loan rejected.

For example, you could always go to the pharmacy to ask for the medicine for cold, flu or fever – if you know those are the sickness. But what if after eating those medicine you still feel uneasy? Would you continue the process go to the pharmacy, buy and eat them wishing to cure yourself?

There are two kind of people that comes to Bluebricks.

The one in Despair

The first one would be the type of clients in despair, as they got their loan rejected by banks so many times. And they somehow find out about these services that we have and hoping we would help them.

The One Understand Time Cost

The second kind of people would be the ones that understand Time Cost. They know their time is so much more expensive than the money could pay. And they know when their loan is rejected, it would make them wait another 3-6 months before they could submit again. And the cost of the time delay is often far more expensive than the money cost.

But what if we tell you Bluebricks don't collect any upfront fee for such services?

In fact we don’t collect any fee until we help you to secure the loan you need, how does that sound?

How Bluebricks Solve Your Loan Rejected Issues?

Step 1: Consult

We would first understand the objective of your loan and what is the loan amount required.

Step 2: Find Out Why

Find out all the reasons as of why your loan is rejected.

Step 3: Solution

To tailor make the best loan solution that is for you.

Step 4: Understand

Make you understand the whole loan processes and procedures before handing over to Bluebricks to execute for you.

Step 5: Apply

To help you apply your loan with the bank that likes you (gives you good credit rating and approve higher loan sum).

Step 6: Process and Approval

Walk you through the whole process after approval that includes signing of your bank agreements and eventually get the loan disbursed (cash in hand yeay!).


Get your loan approved with Bluebricks!

Remember, it is not end of the world when you know your loan is rejected. Please don’t go to the illegal financiers or Ahlongs feeling of despair. Worst, out of desperation and believe in the loan scams.

You would then add more problems to your already difficult situation. And to solve them, you may need more time and resources.

Now, if your loan is rejected and you don’t know what to do, please fill up the forms below, and our tele-consultants would be in touch with you in 1-3 days time via Whatsapp. And would get more details of your current situation when you have time to have a tele-conversation.

Housing Loan Malaysia – FAQs

In Malaysia, the minimum income needed to qualify for a housing loan differs from one bank to another and is influenced by various factors. Generally, banks set a minimum gross monthly income range for eligibility, which often falls between RM3,000 and RM5,000.

To be eligible for a housing loan in Malaysia, banks typically look for the following criteria:

  • Minimum Age: You must be at least 18, though some banks may require you to be 21.
  • Credit Score: A good CTOS score is essential, ideally 651 or above.
  • Income Documentation: Comprehensive documentation is necessary, including six months of payslips, six months of bank statements, and two years of EPF statements, with amounts that need to be consistent.
  • Debt Service Ratio (DSR): After accounting for the housing loan instalment, your DSR should not exceed 60%.

The amount you can borrow with a housing loan, known as the loan margin, is usually up to 90% of the property's value, depending on the bank's assessment of your financial capability and the property's valuation.