Understanding CCRIS: Your Credit Reference Report

To obtain your Central Credit Reference Information System (CCRIS) report from Bank Negara Malaysia (BNM), you need to visit Bank Negara. There are several e-Kiosks available for printing your CCRIS statement. You only need to bring your MyKad, and a biometric fingerprint scan will be conducted to retrieve the report. The process of obtaining the statement is similar to printing your EPF statement at EPF branch offices. Please visit the Bank Negara Malaysia (BNM) website for further details.

The types of transactions included in the CCRIS report by Bank Negara Malaysia encompass various payment activities. These activities are recorded in the Central Credit Reference Information System (CCRIS) to provide a comprehensive overview of an individual’s credit behavior and financial obligations.

One of the transactions that are typically included in the CCRIS report is the installment payments for hire purchase agreements on vehicles. These payments reflect an individual’s commitment to repay loans taken out to finance the purchase of a car or other vehicles. Additionally, installment payments for housing financing are also recorded in the CCRIS report. This includes payments towards home loans or mortgages, indicating the borrower’s responsibility in meeting their housing loan obligations.

Furthermore, payments for personal loans are documented in the CCRIS report. Personal loans cover a wide range of financial needs, such as medical expenses, education, or debt consolidation. By recording these payments, the CCRIS report provides insights into an individual’s management of personal finances and their ability to meet loan obligations.

Additionally, credit card installment payments are included in the CCRIS report. This entails payments made towards credit card balances, including both the principal amount and any accrued interest. It reflects an individual’s credit card usage behavior and their ability to manage credit card debt responsibly.

Moreover, installment payments for educational loans, such as those provided by MARA, JPA, PTPTN, and other institutions, are also part of the CCRIS report. These payments demonstrate a borrower’s commitment to repaying their educational loans and fulfilling their obligations towards financing their education.

In summary, the CCRIS report encompasses various installment payments, including those for hire purchase agreements, housing financing, personal loans, credit cards, and educational loans. By compiling these transactions, the CCRIS report provides lenders and financial institutions with valuable information to assess an individual’s creditworthiness and financial stability.

To apply for a personal loan from a bank or cooperative, you can initiate the process by contacting us via Call/SMS/WhatsApp and providing your latest payslip or e-statement. You can send your payslip or e-statement to 019-2983056. Additionally, you may access your online payslip and ANM report by clicking on the provided link for e-payslip and ANM report. This allows us to assess your financial standing and eligibility for the loan quickly and efficiently.

We aim to streamline the application process to ensure convenience for our customers while maintaining the necessary documentation for loan approval. Feel free to reach out to us for any further assistance or inquiries regarding the application process.