We analyze your DSR, optimize debt, and match you with the right banks.
Based on real 2025 standards from 8 major Malaysian banks (Maybank, CIMB, Hong Leong, RHB, etc.). 60% of loan applications are rejected because DSR exceeds bank limits. We fix it BEFORE you apply. Average approval rate improvement: 60-80%. Average loan capacity increase: RM 100K-500K.
Problem: Your DSR is 75%, banks reject you. Most agents just submit your application anyway. Solution: We optimize your DSR FIRST, then match you with banks that will actually approve.
Maybank: 40-70% | CIMB: 65-75% | Hong Leong: 60-80%. Find the most lenient bank, avoid rejection.
AI analyzes your identity, income, employment type. Recommends the 3 most suitable banks.
RHB only recognizes 60%, Hong Leong recognizes 90%. Monthly income RM10K, recognition diff RM3K!
Consolidate high-interest debts, reduce monthly payment pressure.
Not just solving current loans, planning future financing strategies.
These problems prevent thousands of businesses from obtaining financing
60% of loan applications rejected due to DSR exceeding limit. Different banks have vastly different standards (40%-80%).
8 banks have huge standard differences. Choosing wrong bank = wasting time + affecting credit record.
Bank recognition rate 60%-90%. Monthly income RM10K, might only recognize RM6K-9K.
Based on real 2025 standards from 8 Malaysian banks, get professional DSR analysis instantly
Helping 500+ clients optimize DSR and successfully obtain financing
45 years old | RM 2,744/month
DSR 72%, rejected by 3 banks
Clear credit card, DSR → 58%
CIMB approved RM 30K
35 years old | RM 13,000/month
RHB only recognizes RM 6,600 (60%)
Switch to Hong Leong, recognizes RM 11,700 (90%)
Loan capacity diff RM 496K
40 years old | Couple combined RM 5,700
Single application DSR 110%, rejected
Hong Leong 50% split rule
DSR → 78%, approved RM 400K
A: Debt Service Ratio = Monthly Debt ÷ Monthly Net Income × 100%. It is the key indicator banks use to assess your repayment ability.
A: Each bank has different risk policies. Maybank limits low-income customers to 40%, while Hong Leong allows high-income customers up to 80%.
A: Banks consider self-employed income unstable, so they discount it. RHB only recognizes 60%, Hong Leong recognizes 90%.
A: Completely FREE for loan clients. Our income comes from bank partnership commissions.
A: Free DSR assessment is instant. Complete bank recommendations and optimization plan delivered within 24 hours.
Join 500+ businesses that have obtained better financing through INFINITE GZ