When you apply for a loan, before we determine to approve or reject your application it will go through a credit approval process to look into your credit history. We will look at your credit reports before we make a decision.

We will also look at an individual’s credit report to calculate and determine their debt service ratio before rejecting or approving the application. This is because we will be taking on a risk by approving your application, therefore we look into CCRIS, Ramci or CTOS and use it as one of our tool and determining factor.

After checking your report, our advisor will provide you with detailed evaluation and constructive advise.