All Articles With Category : Debt Management

The latest and the best financial news, tips and tricks.

How do I calculate my Debt Service Ratio?

Applying a loan is not easy and is, in fact, a very long and tedious process. When your loan goes for approval, your debt service ratio is a major consideration. It is a strong decisive factor and you need to make sure it’s good to prove to your loan officers that you have good credit […]

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Perbezaan Antara Hutang Baik Dan Hutang Lapuk

Sebelum ambil sebarang pinjaman, anda perlu tahu sama ada ianya merupakan hutang yang baik atau lapuk kepada anda. Tidak tahu untuk membezakan kedua-dua hutang tersebut? Cari tahu bagaimana hutang boleh menjadi hutang yang baik dan lapuk serta belajar bagaimana untuk menguruskan hutang secara bijak.   Apa itu Hutang Baik? Kajian menunjukkan bahawa 68% rakyat Malaysia […]

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Know The Difference Between Good Debt and Bad Debt

The term ‘debt’ is mostly associated with negativity. However, like many things in life, there’s always a good side. While some loans are usually detrimental to your financial standing from the get go (such as overspending on shopping and travelling expenses, etc.) there is another end o f the spectrum with ‘good’ loans that actually […]

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Find The Right Credit Reporting Agency For You

Do you know your credit history? If you don’t, it’s time to play catch up. We compare three credit rating agencies and share its pro’s and con’s to help you decide the easiest and the best way to obtain your credit report. 

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7 Common Things Malaysians Don’t Realise Are a Waste of Money

We have all made impulse purchases at some point. If we learn to control impulse spending, we would have much more cash to spend on the things that we actually need. Below are habitual, money-wasting purchases that Malaysians should stop making.

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Money Management: 3 Ways to Control Your Finances

Irrespective of the amount of money that you earn, it’s always wise to plan ahead for the future by making a realistic budget that will allow you to manage your money wisely.

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只有55%的大马人准时偿还债务-这意味着什么?

现在大马人的金融知识并不高,这并不是神秘的事情,尤其是当要在能力范围内生活以及管理债务上。令人震惊的是,大多数的人只支付最低偿还额,但我们又可以怎么样?

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3 Methods to Clear Your Debts

As we head into the next quarter of 2018, how well are you doing with your financial resolutions? If you’re like the majority of young Malaysians who are living with high levels of debt, one of your financial resolutions is to clear your debt and make progress towards the overarching goal of financial freedom.

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Manage Your Debts In Malaysia For Free With AKPK

Carrying a large burden with a lot of debt and worried that you may be unable to pay it off? Or are you looking to secure a new loan? AKPK can help you manage all of your debts and, offer you financial advice for free! Find out more about their services below.

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在大马关于破产的事情,你知道多少?

你知道吗?直到2018年8月,在这过去五年以来,大马一共有64,632位18到44岁的人士不幸面临破产。大家对破产的认知到底是有多少?

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5 Ways to Avoid The Dangers Of Credit Card Debt

Updated: 4th September 2018 Falling into credit card debt is dangerously easy. Especially when you don’t compare credit cards and check which ones have the lowest annual percentage rates (APR), cashback rates or even the best petrol-related promos.

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Perbezaan CCRIS dan CTOS

Sering mendengar istilah CCRIS dan CTOS, namun anda tidak tahu perbezaan istilah tersebut? Jangan risau, kami terangkan dengan lebih lanjut dalam artikel ini. Teruskan membaca untuk mengetahui mengapa kedua-duanya penting untuk rakyat Malaysia. 

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Are You Better Or Worse Off Than Average Malaysian? [INFOGRAPHIC]

Updated 15 May 2018. We are concerned about Malaysians’ financial condition. Many including millennials are finding it hard to keep up given the rising costs of living. Whether it is saving, investing, insurance, or managing money, the financial health status of an average Malaysian highly depends on these fundamentals. Let’s see if you are doing […]

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理财问题:先还债还是先存钱?

有些人可能对这个问题会有自己一套的想法,但真正理财时可能没你想的那么简单。

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What You Must Know About Bankruptcy in Malaysia

*Updated on 18 Dec 2017 Take charge of your finances! Learn what bankruptcy is and how to get help if you think you may be heading towards being declared a bankrupt in Malaysia.

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Apa Anda Perlu Tahu Tentang Status Muflis

*Dikemaskini pada 14 Disember 2017 Ketahui apa itu muflis serta kesannya terhadap anda sekiranya diisytiharkan muflis. Kami juga kongsikan bagaimana anda boleh dapatkan pertolongan sekiranya anda rasa anda sedang menuju kearah diisytiharkan muflis.

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Ketahui Kemampuan Anda Untuk Membayar Hutang

Kebanyakan individu perlu berhutang untuk membiayai perbelanjaan untuk perubatan, pelajaran, berkahwin, ataupun memulakan perniagaan.Untuk bebas dari hutang sepenuhnya mungkin agak mustahil. Tetapi, anda perlu tahu bagaimana kemampuan anda untuk membayar hutang-hutang  anda.Teruskan membaca untuk ketahui kemampuan anda untuk membayar hutang, dan  tips untuk membayar hutang dengan lebih cepat. Hutang isi rumah rakyat Malaysia menunjukkan peningkatan. Malah, […]

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Urus Hutang Secara Percuma Dengan AKPK

Anda terbeban dengan hutang pinjaman peribadi atau kad kredit, dan risau tidak mampu untuk melangsaikan kesemuanya? Atau anda ingin memastikan permohonan pinjaman berjaya? Ketahui bagaimana AKPK boleh membantu anda untuk menguruskan hutang dan memberikan nasihat kewangan secara percuma.

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Bagaimana Untuk Menghadapi Pengutip Hutang?

Anda mempunyai bayaran pinjaman yang tertunggak? Jika anda risau diganggu oleh pengutip hutang, teruskan membaca untuk ketahui hak anda apabila dikunjungi pengutip hutang.

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Mengapa Rakyat Malaysia Mempunyai Hutang Kad Kredit?

Bias kognitif yang juga dikenali sebagai bias sauh (anchoring effect) boleh menjadi punca seseorang dibebani hutang kad kredit, tetapi pinjaman peribadi penyatuan hutang (debt consolidation) boleh membantu mereka untuk melangsaikan hutang ini.

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