How You Can Obtain
a Personal Loan with
High Commitment Problems
in 30 Days
Struggling to manage monthly financial obligations
- Your credit card usage is over 70%
- Your Debt Service Ratio (DSR) is above 70%
- Your CTOS score is below 550
How Do You Know If You Have High Commitment Problems?
- 70% of net salary (DSR): RM7,930 x 70% = RM5,551
- This means if you are paying more than RM5,551 to the bank each month, you have a high commitment.
- Car loan: RM1,400
- House loan: RM2,200
- Personal loan: RM675 (Example for a RM30,000 loan at 7% interest over 5 years)
- Credit card payments: RM2,500 (for RM50,000 outstanding balance)
- Personal loan: RM675 (Example for a RM30,000 loan at 7% interest over 5 years)
- Credit card payments: RM2,500 (for RM50,000 outstanding balance)
Your debt-free future starts here.
We Address Your Fears & Common Concerns
Struggling with monthly commitments?
Afraid that taking a new loan might worsen your situation?
Concerned about hidden fees?
Afraid of dealing with scammers or non-legit loan consultants?
Doubtful about loan consultants due to past rejections?
Worried about losing control of your loan applications?
How long will it take to get a proposal?
Are they really working with the bank?
Will they follow through on their promises?
Testimonials
What our clients have to say:
Who Is This Solution For?
Who Is This
Solution For?
You’re a good fit for this solution if:
- You want to consolidate your existing debts into one manageable loan.
- You aim to lower your monthly repayments by converting high-interest loans into lower-interest loans with longer terms.
- You are struggling with high credit card usage, late repayments, or multiple loans, and need a solution to relieve the pressure.
- You want to obtain some extra cash to pay off outside debts and take control of your finances.
- You want to secure additional loans for investment purposes.
You’re not a good fit for this solution if:
- You have ongoing legal cases, legal summons, or have declared bankruptcy.
- You do not have a monthly salary of RM3,000 or more with EPF deductions.
- You are not in a hurry to settle your bad debts with the bank.
- You can manage to pay off your existing debts and are willing to wait 12 months to apply for a new loan on your own.
Service Features & Benefits:
Solutions to Your Worries
Better Personal Loan Terms with Debt Consolidation
Afraid of Dealing with Scammers or Non-Legit Loan Consultants?
Expert Advice and Higher Approval Rates, Even After Rejections
No Upfront Payment
No Interest Charged for Settlement Fund
We pay off your bad debts first to help fix your credit score. Then, we get you a personal loan for blacklist cases to cover these debts and our fee, giving you some extra cash if needed.
Unlike others, we don’t charge interest on this upfront payment. We are with you through the whole process, even if there are delays, ensuring you don’t worry about extra costs.
Only One Fee
We have just one clear and simple fee. Unlike some services that hide extra costs (similar to hospitals billing for every item), Bluebricks ensures transparency. You will know exactly what you are paying for—no surprises, no hidden charges.
Proper Agreement Signed Before Execution
Before submitting any documents to the bank, we ensure a formal agreement is signed with you. This approach keeps you in control throughout the process. We only receive payment after your loan is approved, guaranteeing we will not submit anything without your explicit consent.
Obtain Your Proposal Within 3–5 Days
We efficiently prepare a comprehensive proposal for you in just 3–5 days. This proposal will outline the best loan options suited to your specific situation. It’s worth the short wait to get a well-crafted plan that can significantly improve your financial outlook.
Comprehensive Proposal
We know that one size does not fit all. Unlike agencies that push a single, often high-interest loan, we provide you with at least two tailored options. This approach allows us to find the best fit for your unique financial situation and goals.
You Pay Us Afterward
Our fee is only due after your loan is successfully secured and disbursed. This payment structure ensures your peace of mind throughout the process, as you only compensate us once you have seen tangible results.
How Can 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!).
Case Study
Wilson Wai Kit
Financial Advisor
With extensive banking experience, notably as a mortgage sales officer at UOB Bank, Wilson leverages his understanding of loan applications and approvals to offer financial insights and support to empower individuals to make informed decisions regarding their financial futures. Feel free to contact him for assistance with your financial needs!
Feel free to contact him for assistance with your financial needs!
Karl
Financial Advisor
Karl has a background in banking and real estate, with roles ranging from Mortgage Officer at UOB Bank to Director at Vestcom Realty. He’s skilled in managing mortgage loans and real estate projects and works closely with bank officers, money lenders, and lawyers to solve clients’ loan issues.
Karl is currently a key contributor to business loan development at Bluebricks.
