CTOS Loan Optimisation Diagnosis

Analyze your current debts and get a detailed before/after restructuring plan. Upload your CTOS report or enter your loans manually. Discover how much you can save monthly and improve your overall credit position.

ℹ️ About This Tool: This optimizer assesses your loans across multiple factors that Malaysian banks consider: DSR, credit score (CTOS/CCRIS), repayment history, employment stability, age, savings ratio, existing credit limits, and loan purpose. Results show realistic restructuring scenarios, but actual approval depends on which banks you approach and their individual policies.

Primary Concern

What is your primary financial concern?

I want to lower my monthly loan paymentsI want to pay off my debts fasterI want to improve my credit score and approval odds for a major purchase (home, car)I want to reduce total interest paidI want financial flexibility and breathing room each month

Upload CTOS Report (Optional)

Upload your latest CTOS report in PDF or image format. This helps us extract credit score, loan details, and repayment history automatically. Or, enter your loans and credit info manually below.

Click to upload CTOS report

Credit Profile & Demographics

Your CTOS Credit Score (or estimated)

You can find this on your CTOS report or estimate based on payment history.

Your Typical Repayment Behaviour

Employment Status

Industry Sector

Banks assess risk differently by sector. Some sectors are considered more stable.

Age (Years)

Approximate Monthly Savings / Cash Reserve (RM)

Banks view savings as a sign of financial discipline and emergency buffer.

Loan Details

Loan Type	Bank / Institution	Outstanding Balance (RM)	Interest Rate (% p.a.)	Remaining Tenure (Years)	Monthly Payment (RM)	Action

Income & Constraints

Monthly Gross Income (RM)

Other Monthly Commitments (RM)

Target DSR You Want to Achieve (%)

Comfortable range: 40–50%