{"id":17631,"date":"2022-02-27T19:00:00","date_gmt":"2022-02-27T11:00:00","guid":{"rendered":"https:\/\/www.comparehero.my\/blog\/uncategorized\/loan-application-rejected-approval-reasons.html"},"modified":"2026-03-26T16:00:18","modified_gmt":"2026-03-26T08:00:18","slug":"loan-application-rejected-approval-reasons","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/loans\/loan-application-rejected-approval-reasons.html","title":{"rendered":"4 Reasons Your Loan Application Gets Rejected, And What To Do About It"},"content":{"rendered":"\n

Picture this: You\u2019ve been wanting to renovate your home for some time now. There\u2019s quite a bit of work to be done, so you\u2019re going to need some extra cash to fund your dream home makeover. Your best option would be to head over to a bank and apply for a personal loan.<\/p>\n\n

You then go ahead and send in your application, but days later you\u2019re told that it\u2019s been rejected. You\u2019re not sure why this happened, and you don\u2019t know what you can do about it. In this article, we\u2019ll look at 4 common reasons why loan applications get rejected.<\/p>\n

1. You don\u2019t meet the salary requirements<\/h2>\n

This may seem like a super simple thing, but it\u2019s possible to overlook these details sometimes. Before applying, double-check that you are actually eligible to apply. If you\u2019re not sure what type of loan is best for your income bracket, consult with a bank official or use a loan calculator tool<\/a>.<\/p>\n

But having a stable income is just one thing. You also need to prove<\/em> that you\u2019re earning enough. When applying, make sure you furnish the required documents such as payslips or other proof of income that the bank may ask for.<\/p>\n

2. Poor credit score\/ no credit score<\/h2>\n

If you know what the purpose of a credit score is, you\u2019d know why it\u2019s important to maintain a decent one. A good credit score means that you don\u2019t have a lot of debt and you\u2019ve been paying off your financial obligations on time. Naturally, a bank would be happier to give you a loan if your credit score is good enough.<\/p>\n

Related<\/strong>: 6 Ways To Improve Your Credit Score<\/a><\/p>\n

\"what-are-the-risks-of-being-a-loan-guarantor-01-768x402\"<\/p>\n

However, while better debt management does result in a better credit score, not having any financial commitments at all will not necessarily mean an impressive score. If there has been no history of you having a loan or credit card before, you might end up with no credit score. This way, the bank will not be able to assess whether or not you\u2019ll pay up on time, even if you earn really well.<\/p>\n

3. Unhealthy debt service ratio<\/h2>\n

A debt service ratio (DSR)<\/a> is another way banks can determine whether or not you\u2019ll be able to pay your loans. This is done by calculating the ratio of your debts to your household income. Generally, your DSR is determined using the following formula:<\/p>\n

Total of monthly commitments + amount of loan you\u2019re applying for<\/strong><\/p>\n

                                                                                                                \u00f7          <\/p>\n

Net income (after deducting EPF, SOCSO etc.)<\/strong><\/p>\n

Once you get a number, multiply that by 100 and you now know your DSR! Typically, most banks prefer a DSR of 30-40%, but some of them might accept a higher DSR in certain scenarios. It also largely depends on the type of loan you\u2019re applying for; some of them require lower DSRs and some just don\u2019t.<\/p>\n

Before you apply for the loan, find out from the bank what the DSR for that particular type of loan is. That way, you can avoid getting rejected for a loan you don\u2019t qualify for.<\/p>\n

Related<\/strong>: 3 Ways You Can Settle Your Debts In Malaysia<\/a><\/p>\n

4. You have several pending loan applications elsewhere<\/h2>\n

You might think of applying for multiple loans at once in the hopes of getting at least one approved. But a lesser known fact is that this can actually work against you. Banks can check to see if you\u2019ve been applying for loans elsewhere. And while it\u2019s not wrong to apply in more than one place, too many applications may cast a doubt on how genuine you are. To be safe, limit your applications to 2-3 banks at one time.<\/p>\n

\"loan-application-rejected-approval-reasons-02-768x512\"<\/p>\n

Besides that, if your bank finds out that many of your loan applications have been rejected elsewhere, this can affect your loan approval. There\u2019s also the issue of applying at the right<\/em> bank<\/a>. Some banks are better suited for certain types of loans. So instead of just applying to, say, 10 banks at the same time, check to see if you\u2019re applying at the best bank for your type of loan.<\/p>\n

What can you do about a loan application rejection?<\/h2>\n

Not getting the approval for a much-needed loan isn\u2019t fun, but there are some things you can do to help yourself. The first thing is to find out why<\/em> it was rejected. Once you know the reason, you can take the next steps. For example, if the issue was due to a bad credit score, you can work on improving it before reapplying. Or if it was to do with your salary or some incomplete documentation, you can provide whatever is missing to the bank.<\/p>\n

In the event you feel that you fulfill all the requirements but your application was rejected due to a mistake, you can appeal the bank\u2019s decision if that option is available to you.<\/p>\n

Learned something new? Be sure to share this article with a friend or two! And if you\u2019re thinking of applying for a personal loan, let us help you. Apply within minutes, with just a few simple steps. Click the link below to find out more:<\/p>\n


Check Out The Best Personal Loans in Malaysia!
<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Picture this: You\u2019ve been wanting to renovate your home for some time now. There\u2019s quite a bit of work to be done, so you\u2019re going to need some extra cash to fund your dream home makeover. Your best option would be to head over to a bank and apply for a personal loan.<\/p>\n","protected":false},"author":268230141,"featured_media":346,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[420],"tags":[],"class_list":["post-17631","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loans"],"yoast_head":"\n4 Reasons Your Loan Application Gets Rejected, And What To Do About It - CompareHero<\/title>\n<meta name=\"description\" content=\"Applied for a loan recently but got rejected? 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Whether you are starting a business, buying a car, or looking to consolidate your credit card debt, a personal loan could be just the financial product that suits your needs. Although there are many ways to obtain personal loans, it\u2026","rel":"","context":"In "Loans"","block_context":{"text":"Loans","link":"https:\/\/www.comparehero.my\/blog\/loans"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2020\/01\/image-19.png?fit=1024%2C768&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2020\/01\/image-19.png?fit=1024%2C768&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2020\/01\/image-19.png?fit=1024%2C768&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2020\/01\/image-19.png?fit=1024%2C768&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":18624,"url":"https:\/\/www.comparehero.my\/blog\/loans\/tips-loan-application-approved.html","url_meta":{"origin":17631,"position":4},"title":"Top Tips To Get Your Loan Application Approved","author":"CompareHero","date":"5 October 2023","format":false,"excerpt":"\u00a0 Applying for a loan can be a significant financial step, and ensuring that your application is approved is crucial. 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