PTPTN 貸款欠錢不還會影響貸款。你是否是其中一個？

提芬尼

不少人的CCRIS 裡頭最近多了PTPTN的record. 有些超過數年沒還的， ccris 的供期會出現44.。。23.。等等 的數字，
影響貸款申請。  

wemine

还清贷款就没事了， 提出EPF account 2 来还。

jeff_love_peace

我每个月准时还，现在还剩RM4000

piggy697

怎样知道自己的ccris？

大风车

我还有10k啊，以前是每月还150，觉得太慢了，没意思。有借有还，现在每个月还500

之前去print credit report，具体问了下，完全没还ptptn的才会进入ccris?  correct me if im wrong

制帽匠

jeff_love_peace 发表于 9-3-2016 07:49 PM
我每个月准时还，现在还剩RM4000

我 3500也中ccris
你要不要check 下？

制帽匠

大风车 发表于 9-3-2016 11:56 PM
我还有10k啊，以前是每月还150，觉得太慢了，没意思。有借有还，现在每个月还500

之前去print credit report，具体问了下，完全没还ptptn的才会进入ccris?  correct me if im wrong

故事不一样了拖欠6个月也会中

wemine

Kemon88 发表于 10-3-2016 11:31 PM
请问下如果之前欠下的信用卡的问题，可以申请EPF Accout 2 来还我的吗？ 我现在每个月还RM1500 以上，如果可以的话我想要去申请了~

那个要去AKPK 查询了

wemine

制帽匠 发表于 10-3-2016 09:35 AM
故事不一样了拖欠6个月也会中

CCRIS 是一个国家银行拥有的资料库来的， 只要你有合法的借贷你的偿还记录都回在里面： 车贷， 房贷， 信用卡， 个人贷款， 有迟还都会记录在里面。 现在PTPTN 也把你还贷款的记录放入CCRIS， 只要有一次迟还都会被记录下来。
当你要申请贷款时， 银行就会查你的CCRIS， 然后就会根据你的记录来决定要不要借钱给你。 对他们来说， 没还六个月就代表你的偿还能力有问题，他们就不要冒这个风险借钱给你。

ywk9630

今天去bnm 印了CCRIS, 结果从 2015 12月开始中了21 PTPTN... 怪不得银行不批我信用卡了

owen23

ywk9630 发表于 16-3-2016 04:23 PM
今天去bnm 印了CCRIS, 结果从 2015 12月开始中了21 PTPTN... 怪不得银行不批我信用卡了

一定要到bank negara才可以知道有没有进CCRIS?
不能上网检查的？

liang_2002

owen23 发表于 7-4-2016 04:11 PM
一定要到bank negara才可以知道有没有进CCRIS?
不能上网检查的？

The financial institution told me that I have a bad record in my credit report. Where can I find out the details of the record?        (1) If you are from the Klang Valley, you may obtain the credit report from the Customer Service Centre, Laman Informasi Nasihat dan Khidmat (BNMLINK) of Bank Negara Malaysia (BNM), Head Office at the following address:
        BNMLINK
        Laman Informasi Nasihat dan Khidmat (BNMLINK)
        Ground Floor Block D
        Bank Negara Malaysia
        Jalan Dato' Onn
        50480 Kuala Lumpur
       
        BNMLINK operates daily from Monday to Friday, 9.00 am - 5.00 pm (including lunch time) except for public holidays.
       
        Please bring along your MyKad or passport (for foreigner) and any other supporting documents that can verify your identity such as your driving licence, etc. The credit report will be given to you during the visit.
        (2) If you are from Johor Bahru, Pulau Pinang, Kuala Terengganu, Kuching or Kota Kinabalu, you may also walk in to our Customer Service Centre at the respective branches for the report. Follows are the address of the Bank Negara Malaysia branches:

        BNM Pulau Pinang
        No.27 Lebuh Light
        10200 Pulau Pinang
        Telephone: 04 262 7125 / 7126 / 7127 / 7128 / 263 3371
        Facsimile: 04 261 1223
        BNM Johor Bahru
        Jalan Bukit Timbalan
        80000 Johor Bahru
        Johor
        Telephone: 07 224 0799 / 224 0792 / 224 0741 / 223 2798 / 223 2809
        Facsimile: 07 223 6931
        BNM Kuala Terengganu
        Jalan Sultan Mohamad
        21100 Kuala Terengganu
        Terengganu
        Telephone: 09 622 0571 / 0634 / 0644
        Facsimile: 09 622 0516
        BNM Kota Kinabalu
        Jalan Lapan Belas
        88000 Kota Kinabalu
        Sabah
        Telephone: 088 211 211 / 212 / 213 / 214 / 215 / 216
        Facsimile:  088 219 464
        BNM Kuching
        Jalan Satok
        93000 Kuching
        Sarawak
        Telephone: 082 252 311 / 230 969
        Facsimile: 082 414 996
        BNM branches operates daily from Monday to Friday, 9.00 am - 5.00 pm (close during lunch time from 1.00pm - 2.00pm except on Friday from 12.30pm - 2.30pm) except for public holidays.
        (3) If you are from outside of the above locations mentioned, you may request your credit report via mail. Please complete and send us the following:

•                 Credit Report Request Form (CRR);
•                 Loan Declaration Form; (please download the above forms from website creditbureau.bnm.gov.my)
•                 A clear photocopy of your MyKad (both sides) / passport (for foreigners); and
•                 Any combination of two other documents (with your name and address stated clearly
                  on each copy) from the following:
  
  •                                 Driving licence;
  •                                 Utility bills such as water bill, electricity bill, telephone bill, ASTRO bill, etc
    
                 
  •                                 Bank account statement;
  •                                 Credit card statement; or
  •                                 EPF statement.
    
         

        You can either post or fax the completed application form and the supporting documents to:
       
        BNMTELELINK
        Laman Informasi Nasihat dan Khidmat (BNMLINK)
        Bank Negara Malaysia
        Jalan Dato' Onn
        P.O Box 10922
        50929 Kuala Lumpur
        Facsimile: +603 2174 1515
        Please note that if you come personally to our LINK and branches to obtain the credit report, you will get the report instantly. However, it may take between 2 to 4 weeks to process your request for credit report via mail/fax as the report will be sent to the nearest financial institutions to your home address for your collection.

http://www.bnm.gov.my/index.php?ch=en_faqs&lang=en#FAQ08

lkwah86

owen23 发表于 7-4-2016 04:11 PM
一定要到bank negara才可以知道有没有进CCRIS?
不能上网检查的？

可以email

彦琳

lkwah86 发表于 13-4-2016 03:27 PM
可以email

什么email address?

lkwah86

彦琳 发表于 10-5-2016 10:49 PM
什么email address?

bnmtelelink@bnm.gov.my

http://creditbureau.bnm.gov.my/reportobtain.html

彦琳

lkwah86 发表于 12-5-2016 03:34 PM
bnmtelelink@bnm.gov.my

http://creditbureau.bnm.gov.my/reportobtain.html

谢谢你