Debt consolidation
Five repayments.
Make it one.
Fold credit cards, personal loans and other debts into your home loan, for one lower instalment at a home-loan rate.
Why it worksCard interest
Card interest
vs home-loan interest.
Credit cards and personal loans often charge many times more than a home loan. Moving those balances into your mortgage can cut what you pay each month and free up your DSR for the things that matter.
- One monthly payment instead of many
- A much lower interest rate on the debt you move
- More cash flow every month
- A cleaner DSR for future applications
- Option to keep paying more and finish sooner
- Honest advice if consolidating isn’t right for you
Real file · name initialisedImpossible on paper.
Impossible on paper.
Approved anyway.
Car loans and credit card balances made Ms. Keow’s DSR too tight to refinance. We extended her tenure from 27 to 35 years and secured a lower rate.
Ms. KeowDisbursed
RM817
Keeping the old instalment amount would push interest back down and shorten the tenure. Flexibility, without compromise.
Debt consolidation questions
Consolidation, answered.
Which debts can I consolidate?
Usually credit cards, personal loans and other unsecured debts. We look at each one and recommend what’s worth moving.
Do I need to own a property?
Yes, debt consolidation through a home loan uses your property’s value. If you don’t own one, tell us your situation and we’ll suggest other options honestly.
Will this affect my credit score?
Clearing high-interest balances and paying one loan on time generally helps your credit profile over time. We’ll explain what to expect for your case.