Guides for loan advisory teams
Plain English, written from running loan advisory systems every day. Each guide says when its facts were last checked.
Topics
Credit reports and DSR
How to read a credit report, what DSR really is, and why loans get declined.
What happens to your DSR when you consolidate debts
How swapping several debts for one loan changes your DSR, a worked example with round numbers, and the costs and Bank Negara rules to check before you sign.
27 July 2026 · 4 min read
How to read the 12-month CCRIS payment grid
The row of 12 numbers beside each loan is the first thing a lender reads. What 0, 1, 2 and a blank mean, which patterns worry lenders and what you can fix.
29 June 2026 · 5 min read
How to lower your DSR before you apply
Practical ways to lower a DSR before a loan application: clear the right debts first, avoid new instalments, prove more income and time it after CCRIS updates.
25 May 2026 · 5 min read
Why loan applications get declined, and what the report shows
The usual reasons a bank says no, which ones show on a credit report and which do not, and how to find the real reason before the customer applies again.
20 April 2026 · 5 min read
CTOS, CCRIS and Experian: what each report is and who uses it
CCRIS is Bank Negara's record of your loans. CTOS, Experian and Credit Bureau Malaysia add a score and more. Who runs each report, and who gets to see it.
16 March 2026 · 5 min read
What DSR is and how banks calculate it
DSR is the share of monthly income that already goes on debt. See the formula, what counts as a debt, and why gross and net income give different answers.
9 February 2026 · 5 min read
How to read a CTOS report, section by section
A plain walk through a CTOS credit report: the score, the CCRIS bank records, legal cases, trade references and searches, and what each part tells a lender.
5 January 2026 · 6 min read
Running a loan advisory team
Follow-ups, commission, lead handling and the daily habits of teams that close.
Why Excel lead sheets fail loan agencies
Where an Excel lead sheet works, the six ways it breaks once a team uses it, and how to make it last until you move to a CRM.
3 August 2026 · 5 min read
How to onboard a new loan agent in one day
A one-day plan for a new loan advisory agent: access, the pipeline, supervised calls and clear rules, then a four-week plan for everything else.
6 July 2026 · 5 min read
Why every call should end with an outcome
Five outcomes an agent can tap in a second, what should happen after each one, and how to read the numbers they give you.
1 June 2026 · 5 min read
What an agency boss should see every morning
Six questions a loan agency boss can answer in about ten minutes, what each one tells you, and what to leave for the weekly review.
27 April 2026 · 5 min read
Assigning leads to agents: fair and fast
How loan advisory teams hand out leads: four methods compared, a simple rotation with a few exceptions, and how to move leads nobody has touched.
23 March 2026 · 5 min read
How to track agent commission without disputes
Why commission disputes start, the questions to settle in writing, and how monthly statements and a locked month keep payouts clean.
16 February 2026 · 6 min read
Follow-up rules that stop loan leads going cold
Five plain rules for loan advisory teams: one owner per lead, a dated next step, a fast first reply, a set pattern of tries and a daily overdue check.
12 January 2026 · 6 min read
WhatsApp, calls and AI
WhatsApp Business setup, dialers and what an AI assistant can and cannot do.
WhatsApp follow-ups customers do not mute or report
Customers mute, block and report WhatsApp follow-ups that feel like spam. See what Meta watches, how to ask permission and how to write messages people answer.
13 July 2026 · 5 min read
What an AI assistant in your CRM can and cannot do
An AI assistant in a CRM answers questions from the records already in it. Learn what it does well, where it fails and how to check its answers before you act.
8 June 2026 · 5 min read
Autodialers: one-to-one or multi-line, and which suits your team
A one-to-one autodialer calls one number at a time. A multi-line dialer calls several at once. See where agent time goes, what each costs and which fits.
4 May 2026 · 5 min read
The WhatsApp 24-hour window and message templates, explained
How the WhatsApp 24-hour customer service window works, what a template is, how templates are approved and priced, and what changed on 1 October 2026.
30 March 2026 · 6 min read
WhatsApp Business app or the API: which one you need
The free WhatsApp Business app and the WhatsApp Business API suit different teams. See what each can do, what each costs and when to move, as of October 2026.
23 February 2026 · 5 min read
WhatsApp Business API setup in Malaysia: steps, time and cost
How to set up a WhatsApp Business API (WABA) number in Malaysia: what to prepare, the steps, how long Meta takes and what Meta charges, as of October 2026.
19 January 2026 · 7 min read
Buying custom software
What a custom CRM or app costs, what to ask before you sign, and how to move off Excel.
Mobile app or web app for your team
Should your team use a phone app or a web app? What each does well, what an app costs to publish and keep going, and a short test to decide.
20 July 2026 · 4 min read
Move from Excel to a CRM without losing leads
How to clean your Excel lead sheets, import them into a CRM, check the numbers match and switch over safely, with a list of what usually goes wrong.
15 June 2026 · 5 min read
Questions to ask before you sign with a software developer
The questions to ask any developer or software vendor before you sign: scope, price, who owns the code and your data, security, support and how you leave.
11 May 2026 · 6 min read
Write a one-page spec before you hire a developer
A one-page spec makes quotes comparable and keeps the build on track. Seven parts to write, a worked example for a loan agency and the usual mistakes.
6 April 2026 · 5 min read
Build or buy a CRM for your agency
How to choose between a ready-made CRM, a loan advisory CRM and a custom build: five tests, a three-year cost comparison and the costs people forget.
2 March 2026 · 5 min read
How much a custom CRM costs in Malaysia
What moves the price of a custom CRM in Malaysia, how to estimate it yourself, and the running costs a quote does not show. Includes one public price list.
26 January 2026 · 6 min read
Data and PDPA
Keeping customer data and credit reports safe, in plain language.
How long to keep customer records, and when to delete them
What the PDPA says about keeping customer records, what the PDPC's standard adds, and how a loan agency can set a simple delete-or-keep schedule.
22 June 2026 · 7 min read
When an agent leaves: protect your leads and customer data
A practical plan for the day a loan agent resigns: what the PDPA and the PDPC's standard say, how to switch off access, protect leads and spot data being taken.
18 May 2026 · 6 min read
Keeping credit reports and IC copies safe
How to protect customers' credit reports and IC copies in a loan office: what the PDPA and PDPC standard expect, and a handling routine that works.
13 April 2026 · 6 min read
The 2024 PDPA amendment: what changed for small firms
The 2024 PDPA changes in plain English: the three start dates, breach reporting, data protection officers, penalties and what a small firm should check.
9 March 2026 · 7 min read
PDPA for loan agents: the basics
What Malaysia's Personal Data Protection Act asks of loan agents and agencies: consent, notice, security, retention and customer rights, in plain English.
2 February 2026 · 7 min read