Reasons the bank rejected his application:
1. There were no CTOS records for Mr Zamri
- No credit cards.
- Finished paying his car loan.
- Has never taken a personal loan.
- Trade reference with DIGI.
2. There were Bad CTOS records for Puan Masliana (his wife)
- Mortgage situation: 4 months behind in payment, received a letter from the bank regarding the auction of their house.
- PTPTN repayment status: Did not pay for 66 months.
- Personal loan: On Special Attention Account
- Credit cards repayment status: On Special Attention Account
3. Mr Zamri’s income situation
Unstable monthly income.
4. Mdm. Masliana’s income situation
Her company dismissed her during COVID.
Mr. Zamri’s letter of offer