Frequently Asked Questions

It is against our company policy to collect any processing or upfront fees from our customers.

If someone requests fees before the loan is fully disbursed to your account, they are definitely not our company's staff and are likely scammers.

When our staff contacts you, they will provide a LINK to verify their identity, so you can be sure you are dealing with our staff.

We have helped thousands of customers obtain bank loan approvals. We are a bank loan advisor and do not provide loans from our company.

We are an award-winning company with 3 branches. Our staff will provide you with a verification LINK when they contact you, so you know you are dealing with our staff.

It's important to verify the staff number using this link: HERE. Additionally, we adhere to a strict policy that prohibits any of our employees from collecting any form of payment before the approval and disbursement of a loan into your account.

Intelligent Consultancy provides consultations on bank loans, including personal, business, mortgage, and debt consolidation loans. We will help you secure the best bank loan depending on your profile.

Most customers apply for a personal loan from banks to reduce their commitments by consolidating multiple loans into one loan with lower interest or to obtain cash in hand.

There are also customers who are blacklisted or under AKPK; we can assist them in recovering their less-than-favorable credit records and securing a bank loan.

A business loan is essential for business growth. It can help you improve cash flow, provide more funds to expand your business, and prepare for challenging times. Since the requirements for business loans change over time, we stay updated with the latest information and can assist you in securing a business loan.

Applying for a mortgage loan allows you to purchase a new house, whether for personal use or as an investment. Additionally, if you're looking to refinance an existing home loan, you can access extra cash for personal use, business purposes, or to reduce your monthly commitments by consolidating high-interest loans or credit card debts.

1) Our telemarketer will help you check a free CTOS report.

2) Our consultant will obtain additional documents from you and proceed with the discussion.

3) We will only submit applications to banks in Malaysia.

4) Approval and obtaining the loan.

Please take note, we will not request any kind of upfront payment.

While you are always welcome to visit our branch, the most efficient method is for us to assist you with the application online. Discussions can be conducted via WhatsApp or phone calls. By obtaining the necessary documents from you, we can analyze your profile and provide the best recommendation for you, usually within 1-2 days.

Yes, you do not need to be in KL, even if you are in Sabah, Sarawak, or overseas like Singapore, Dubai, Australia, etc. We can do it online and assist with your loan application.

For both personal and mortgage loans, applicants must have at least a 6-month record of credit card usage or a bank loan facility.

Additionally, applicants should not have any delayed payments for two consecutive months, be blacklisted, or be under the AKPK program, unless your basic salary (excluding OT, allowances, and commissions) is RM3,000 or more.

For business loans, applicants are required to have a minimum of one year of business registration with the SSM (Suruhanjaya Syarikat Malaysia).

To simplify the process for you, we only request minimal documents that are required by the banks.

Generally, for employees, the basic documents needed are a 3-month payslip and a 2-year EPF statement. However, some banks may also request a 3-month bank statement, staff verification letter, existing loan facility statement, among others.

For self-employed individuals, the basic requirement is a 6-month company bank statement. Nonetheless, some banks might ask for 2 years of income tax returns, audit reports, photos of the premises, and so on.

Certainly, we will first assist you by checking a free CTOS report to identify the reasons for the rejection and address them if necessary. We are capable of applying to all banks in Malaysia, depending on your profile.

Certainly, yes. We will first help you identify what contributes to your high financial commitments and provide you with solutions before proceeding with the application. We will then apply to banks that offer the lowest interest rates to either reduce your monthly commitments or increase your cash on hand.

If you have been late on bank loan payments for 2 months previously, blacklisted, or in AKPK, we accept if you have a basic salary (excluding OT, allowance, commission) of RM3,000 or more, we can advise and guide you to settle debts before applying for a bank loan.

For personal loan, you can apply if under state government (PKNS, Penang Water Supply PBAPP, etc.) or GLC (Sime Darby, Petronas, etc.) We do not accept if under the federal government (army, police, government school teachers, etc.)
However, for mortgage and business loan, we welcome all applicants.

We can assist with applications to all possible banks in Malaysia, as well as other legal non-bank institutions and platforms, such as AEON and P2P financing platforms. Please note, we are not a company that provides loans directly from our company.

We can never guarantee the approval of a bank loan, as everyone's profile is different. However, with our extensive experience, knowledge, and the ability to help you address issues before applying, your chances of approval are certainly higher than with other methods. We are committed to helping you secure your bank loan approval.

The bank loan tenure for personal loan and mortgage loan is up to 10 years and the interest rate starts from 3% depending on your profile. For mortgage loan it will be up to 35 years. We will find the best rate according to your profile.

For personal loan and mortgage loan, usually it takes 3-7 days to know if the loan can be approved. Some banks respond within 3 days and some in 2 weeks.
For business loan, it can be slightly longer.

Let us help you check your CTOS report for free, and this will speed up the application process.