{"id":18166,"date":"2021-04-08T20:00:00","date_gmt":"2021-04-08T12:00:00","guid":{"rendered":"https:\/\/www.comparehero.my\/blog\/uncategorized\/maximum-loan-amount-calculated.html"},"modified":"2026-03-26T16:01:54","modified_gmt":"2026-03-26T08:01:54","slug":"maximum-loan-amount-calculated","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/loans\/maximum-loan-amount-calculated.html","title":{"rendered":"How Is Your Maximum Loan Amount Calculated?"},"content":{"rendered":"\n

Planning to apply for a personal loan<\/a> at your local bank? A personal loan can help you raise money in a flash, whether it\u2019s for buying a new home or funding a vacation in Europe. The catch is that while personal loans can be used for a wide range of general purposes, they\u2019re trickier to get due to the long list of qualifications required.<\/p> \n

Before applying for a loan, it helps to first estimate the maximum loan amount <\/b>you could borrow from a lending institution. While banks often have their own distinct standards of loan eligibility, they tend to use the same range of data to calculate how much they can lend you. Here we look at the common factors banks will consider before they let you sign the dotted line.<\/p> \n

1. Your monthly income<\/h2> \n

A huge factor in a bank\u2019s decision to grant you a personal loan is your ability to pay it off on time. They will gauge your financial situation by looking at two things: your salary and your monthly expenses.<\/p> \n

Other factors they may consider include your debts<\/a>, tax status<\/a>, additional sources of income, and your spouse\u2019s salary, if you\u2019re married. With all of these taken into account, calculate how much money you\u2019d have left every month after you make a repayment. Last but not least, banks may also look into your credit rating<\/a> as a shorthand for how reliable your are in settling your financial obligations.<\/p> \n

2. Repayment terms<\/h2> \n

Like with insurance plans<\/a> and other installment-based<\/a> expenses, banks give you the option of paying off the full amount of your personal loan within a set period of time. You could choose to go for a longer or shorter loan period, depending on which works best with your current financial situation.<\/p> \n

In the case of mortgages or home loans, repayment terms can span decades. But with personal loans, tenors can range anywhere between 12 and 60 months (one to five years), depending on your bank. Banks also charge penalties if you pay off your loan too early, making the right choice in loan tenor all the more important.<\/p> \n

3. Interest rates<\/h2> \n

Personal loans are mostly unsecured loans<\/a>, meaning that interest plays a vital role in determining the cost of your monthly payments. As a rule of thumb, a higher interest rate amounts to a lower maximum loan amount. Factors that could lower or raise your interest rate include whether you have bad credit or unstable finances. It\u2019s also important to note that longer loan periods mean you pay more interest over time.<\/p> \n

4. Do the math<\/h2> \n

Once you\u2019ve obtained the figures for your monthly income, loan tenor, and monthly interest rate (or annual interest rate divided by 12), you can start doing rough calculations for the largest possible amount you can borrow from your bank.<\/p> \n

Your monthly interest (expressed in decimal form) is R, your loan tenor (expressed in months) is M, and the payment from your monthly income is P. The formula for calculating your maximum loan principal would look something like this:<\/p> \n

Maximum Loan Amount = P\/R * {1 – [1 \/ (1+R)^M] }<\/strong><\/p> \n

This is just a rough estimate. Your lender may factor in other variables not stated here.<\/p> \n

5. Other things to consider<\/h2> \n

These days, many banks and lenders in Malaysia offer packages with fixed loan amounts, while others set their maximum loan amount at no more than eight to ten times your salary. Some lenders offer flexible terms, with interest rates<\/a> or loan periods that could change over time to reflect your financial situation. Not everyone is qualified for this, however, so it\u2019s best to inquire about all the possible options available to you.<\/p> \n

A good working relationship with your bank can also make a difference, with some banks offering better rates as a reward or incentive for customer loyalty. Whichever deal you choose in the end, staying true to your monthly repayment schedule will reduce hassle and save you thousands of dollars in fines and penalties.<\/p> \n

It also helps to compare personal loan offers<\/a> before making your choice, to help you find the maximum loan amount for the monthly repayments you can afford.<\/p> \n

\"\"<\/a>
<\/p>\n","protected":false},"excerpt":{"rendered":"

Planning to apply for a personal loan at your local bank? A personal loan can help you raise money in a flash, whether it\u2019s for buying a new home or funding a vacation in Europe. The catch is that while personal loans can be used for a wide range of general purposes, they\u2019re trickier to…<\/p>\n","protected":false},"author":268230141,"featured_media":1201,"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-18166","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loans"],"yoast_head":"\nHow Is Your Maximum Loan Amount Calculated? - CompareHero<\/title>\n<meta name=\"description\" content=\"Planning to apply for a personal loan at your local bank? A personal loan can help you raise money in a flash, whether it\u2019s for buying a new home or\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.comparehero.my\/blog\/loans\/maximum-loan-amount-calculated.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Is Your Maximum Loan Amount Calculated? - CompareHero\" \/>\n<meta property=\"og:description\" content=\"Planning to apply for a personal loan at your local bank? A personal loan can help you raise money in a flash, whether it\u2019s for buying a new home or\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.comparehero.my\/blog\/loans\/maximum-loan-amount-calculated.html\" \/>\n<meta property=\"og:site_name\" content=\"CompareHero\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/CompareHero.my\/\" \/>\n<meta property=\"article:published_time\" content=\"2021-04-08T12:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-26T08:01:54+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/maximum-loan-amount-calculated.jpg?fit=1200%2C680&ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"680\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"CompareHero\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"CompareHero\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/loans\\\/maximum-loan-amount-calculated.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/loans\\\/maximum-loan-amount-calculated.html\"},\"author\":{\"name\":\"CompareHero\",\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/#\\\/schema\\\/person\\\/77b02f49f8e76551ac6a7f3d7eb59611\"},\"headline\":\"How Is Your Maximum Loan Amount Calculated?\",\"datePublished\":\"2021-04-08T12:00:00+00:00\",\"dateModified\":\"2026-03-26T08:01:54+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/loans\\\/maximum-loan-amount-calculated.html\"},\"wordCount\":697,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/loans\\\/maximum-loan-amount-calculated.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/maximum-loan-amount-calculated.jpg\",\"articleSection\":[\"Loans\"],\"inLanguage\":\"en-MY\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/loans\\\/maximum-loan-amount-calculated.html#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/loans\\\/maximum-loan-amount-calculated.html\",\"url\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/loans\\\/maximum-loan-amount-calculated.html\",\"name\":\"How Is Your Maximum Loan Amount Calculated? - CompareHero\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/loans\\\/maximum-loan-amount-calculated.html#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/loans\\\/maximum-loan-amount-calculated.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/maximum-loan-amount-calculated.jpg\",\"datePublished\":\"2021-04-08T12:00:00+00:00\",\"dateModified\":\"2026-03-26T08:01:54+00:00\",\"description\":\"Planning to apply for a personal loan at your local bank? A personal loan can help you raise money in a flash, whether it\u2019s for buying a new home or\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/loans\\\/maximum-loan-amount-calculated.html#breadcrumb\"},\"inLanguage\":\"en-MY\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/loans\\\/maximum-loan-amount-calculated.html\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-MY\",\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/loans\\\/maximum-loan-amount-calculated.html#primaryimage\",\"url\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/maximum-loan-amount-calculated.jpg\",\"contentUrl\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/maximum-loan-amount-calculated.jpg\",\"width\":1200,\"height\":680},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/loans\\\/maximum-loan-amount-calculated.html#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Loans\",\"item\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/loans\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"How Is Your Maximum Loan Amount Calculated?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/\",\"name\":\"CompareHero\",\"description\":\"Providing the best tips and tricks about Malaysia\u2019s financial\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-MY\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/#organization\",\"name\":\"Jirnexu Sdn Bhd\",\"url\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-MY\",\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/comparehero_logo.png\",\"contentUrl\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/comparehero_logo.png\",\"width\":1889,\"height\":338,\"caption\":\"Jirnexu Sdn Bhd\"},\"image\":{\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/CompareHero.my\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/#\\\/schema\\\/person\\\/77b02f49f8e76551ac6a7f3d7eb59611\",\"name\":\"CompareHero\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How Is Your Maximum Loan Amount Calculated? - CompareHero","description":"Planning to apply for a personal loan at your local bank? A personal loan can help you raise money in a flash, whether it\u2019s for buying a new home or","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.comparehero.my\/blog\/loans\/maximum-loan-amount-calculated.html","og_locale":"en_US","og_type":"article","og_title":"How Is Your Maximum Loan Amount Calculated? - CompareHero","og_description":"Planning to apply for a personal loan at your local bank? A personal loan can help you raise money in a flash, whether it\u2019s for buying a new home or","og_url":"https:\/\/www.comparehero.my\/blog\/loans\/maximum-loan-amount-calculated.html","og_site_name":"CompareHero","article_publisher":"https:\/\/www.facebook.com\/CompareHero.my\/","article_published_time":"2021-04-08T12:00:00+00:00","article_modified_time":"2026-03-26T08:01:54+00:00","og_image":[{"width":1200,"height":680,"url":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/maximum-loan-amount-calculated.jpg?fit=1200%2C680&ssl=1","type":"image\/jpeg"}],"author":"CompareHero","twitter_card":"summary_large_image","twitter_misc":{"Written by":"CompareHero","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.comparehero.my\/blog\/loans\/maximum-loan-amount-calculated.html#article","isPartOf":{"@id":"https:\/\/www.comparehero.my\/blog\/loans\/maximum-loan-amount-calculated.html"},"author":{"name":"CompareHero","@id":"https:\/\/www.comparehero.my\/blog\/#\/schema\/person\/77b02f49f8e76551ac6a7f3d7eb59611"},"headline":"How Is Your Maximum Loan Amount Calculated?","datePublished":"2021-04-08T12:00:00+00:00","dateModified":"2026-03-26T08:01:54+00:00","mainEntityOfPage":{"@id":"https:\/\/www.comparehero.my\/blog\/loans\/maximum-loan-amount-calculated.html"},"wordCount":697,"commentCount":0,"publisher":{"@id":"https:\/\/www.comparehero.my\/blog\/#organization"},"image":{"@id":"https:\/\/www.comparehero.my\/blog\/loans\/maximum-loan-amount-calculated.html#primaryimage"},"thumbnailUrl":"https:\/\/www.comparehero.my\/blog\/wp-content\/uploads\/2026\/02\/maximum-loan-amount-calculated.jpg","articleSection":["Loans"],"inLanguage":"en-MY","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.comparehero.my\/blog\/loans\/maximum-loan-amount-calculated.html#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.comparehero.my\/blog\/loans\/maximum-loan-amount-calculated.html","url":"https:\/\/www.comparehero.my\/blog\/loans\/maximum-loan-amount-calculated.html","name":"How Is Your Maximum Loan Amount Calculated? - CompareHero","isPartOf":{"@id":"https:\/\/www.comparehero.my\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.comparehero.my\/blog\/loans\/maximum-loan-amount-calculated.html#primaryimage"},"image":{"@id":"https:\/\/www.comparehero.my\/blog\/loans\/maximum-loan-amount-calculated.html#primaryimage"},"thumbnailUrl":"https:\/\/www.comparehero.my\/blog\/wp-content\/uploads\/2026\/02\/maximum-loan-amount-calculated.jpg","datePublished":"2021-04-08T12:00:00+00:00","dateModified":"2026-03-26T08:01:54+00:00","description":"Planning to apply for a personal loan at your local bank? A personal loan can help you raise money in a flash, whether it\u2019s for buying a new home or","breadcrumb":{"@id":"https:\/\/www.comparehero.my\/blog\/loans\/maximum-loan-amount-calculated.html#breadcrumb"},"inLanguage":"en-MY","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.comparehero.my\/blog\/loans\/maximum-loan-amount-calculated.html"]}]},{"@type":"ImageObject","inLanguage":"en-MY","@id":"https:\/\/www.comparehero.my\/blog\/loans\/maximum-loan-amount-calculated.html#primaryimage","url":"https:\/\/www.comparehero.my\/blog\/wp-content\/uploads\/2026\/02\/maximum-loan-amount-calculated.jpg","contentUrl":"https:\/\/www.comparehero.my\/blog\/wp-content\/uploads\/2026\/02\/maximum-loan-amount-calculated.jpg","width":1200,"height":680},{"@type":"BreadcrumbList","@id":"https:\/\/www.comparehero.my\/blog\/loans\/maximum-loan-amount-calculated.html#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.comparehero.my\/blog\/"},{"@type":"ListItem","position":2,"name":"Loans","item":"https:\/\/www.comparehero.my\/blog\/loans"},{"@type":"ListItem","position":3,"name":"How Is Your Maximum Loan Amount Calculated?"}]},{"@type":"WebSite","@id":"https:\/\/www.comparehero.my\/blog\/#website","url":"https:\/\/www.comparehero.my\/blog\/","name":"CompareHero","description":"Providing the best tips and tricks about Malaysia\u2019s financial","publisher":{"@id":"https:\/\/www.comparehero.my\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.comparehero.my\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-MY"},{"@type":"Organization","@id":"https:\/\/www.comparehero.my\/blog\/#organization","name":"Jirnexu Sdn Bhd","url":"https:\/\/www.comparehero.my\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-MY","@id":"https:\/\/www.comparehero.my\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.comparehero.my\/blog\/wp-content\/uploads\/2026\/02\/comparehero_logo.png","contentUrl":"https:\/\/www.comparehero.my\/blog\/wp-content\/uploads\/2026\/02\/comparehero_logo.png","width":1889,"height":338,"caption":"Jirnexu Sdn Bhd"},"image":{"@id":"https:\/\/www.comparehero.my\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/CompareHero.my\/"]},{"@type":"Person","@id":"https:\/\/www.comparehero.my\/blog\/#\/schema\/person\/77b02f49f8e76551ac6a7f3d7eb59611","name":"CompareHero"}]}},"jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_likes_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/pbC5we-4J0","jetpack-related-posts":[{"id":18207,"url":"https:\/\/www.comparehero.my\/blog\/loans\/loan-application-factors-banks-consider-when-reviewing-loan-application.html","url_meta":{"origin":18166,"position":0},"title":"How to Get Your Loan Approved: 8 Factors Banks Look At When Lending You Money","author":"CompareHero","date":"8 December 2020","format":false,"excerpt":"Are you planning to apply for a loan for the first time? There are some important factors that banks consider before they approve your loan application. It can be a car loan, mortgage, or personal loan, but these 8 factors will help determine your chance of getting approved. Read below\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\/2026\/02\/loan-application-factors-banks-consider-when-reviewing-loan-application.jpg?fit=1200%2C628&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/loan-application-factors-banks-consider-when-reviewing-loan-application.jpg?fit=1200%2C628&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/loan-application-factors-banks-consider-when-reviewing-loan-application.jpg?fit=1200%2C628&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/loan-application-factors-banks-consider-when-reviewing-loan-application.jpg?fit=1200%2C628&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/loan-application-factors-banks-consider-when-reviewing-loan-application.jpg?fit=1200%2C628&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":18165,"url":"https:\/\/www.comparehero.my\/blog\/loans\/how-fast-loan-approval-malaysia.html","url_meta":{"origin":18166,"position":1},"title":"How Fast Is The Personal Loan Process? [INFOGRAPHIC]","author":"CompareHero","date":"31 May 2021","format":false,"excerpt":"You\u2019ve heard of fast loans, but just how fast is the fast in fast loans? Let\u2019s find out with this handy infographic that traces the steps from comparing personal loans on from application, all the way to disbursement. And aside from learning just how fast the loans are, you also\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\/2026\/02\/how-fast-loans-approval.jpg?fit=1200%2C628&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/how-fast-loans-approval.jpg?fit=1200%2C628&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/how-fast-loans-approval.jpg?fit=1200%2C628&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/how-fast-loans-approval.jpg?fit=1200%2C628&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/how-fast-loans-approval.jpg?fit=1200%2C628&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":18624,"url":"https:\/\/www.comparehero.my\/blog\/loans\/tips-loan-application-approved.html","url_meta":{"origin":18166,"position":2},"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. In this comprehensive guide, we'll walk you through essential tips to increase your chances of getting your loan application approved. 1. Check Your Financial Records Before diving into the loan\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\/2026\/02\/FI_Top-Tips-To-Get-Your-Loan-Application-Approved-01.png?fit=1200%2C629&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Top-Tips-To-Get-Your-Loan-Application-Approved-01.png?fit=1200%2C629&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Top-Tips-To-Get-Your-Loan-Application-Approved-01.png?fit=1200%2C629&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Top-Tips-To-Get-Your-Loan-Application-Approved-01.png?fit=1200%2C629&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Top-Tips-To-Get-Your-Loan-Application-Approved-01.png?fit=1200%2C629&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":3789,"url":"https:\/\/www.comparehero.my\/blog\/debt-credit-score\/how-calculate-debt-service-ratio-2.html","url_meta":{"origin":18166,"position":3},"title":"How do I calculate my Debt Service Ratio?","author":"CompareHero","date":"28 December 2021","format":false,"excerpt":"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\u2019s good to prove to your loan officers\u2026","rel":"","context":"In "Debt & Credit Score"","block_context":{"text":"Debt & Credit Score","link":"https:\/\/www.comparehero.my\/blog\/debt-credit-score"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2021\/12\/image.png?fit=1024%2C768&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2021\/12\/image.png?fit=1024%2C768&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2021\/12\/image.png?fit=1024%2C768&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2021\/12\/image.png?fit=1024%2C768&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":5108,"url":"https:\/\/www.comparehero.my\/blog\/bank-news\/how-to-calculate-flat-rate-interest-and-reducing-balance-rate-2.html","url_meta":{"origin":18166,"position":4},"title":"Guide to Calculating Flat Rate Interest and Reducing Balance Rate","author":"CompareHero","date":"7 December 2021","format":false,"excerpt":"We often stumble across the terms \u201cFlat Rate Interest\u201d and \u201cReducing Balance Rate\u201d when applying for loans, but do we truly understand the difference between the two types of interest? Although these terms may sound like financial jargons, they are relatively simple to understand. The truth is most of us\u2026","rel":"","context":"In "Bank News"","block_context":{"text":"Bank News","link":"https:\/\/www.comparehero.my\/blog\/bank-news"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2021\/12\/image-6.png?fit=1024%2C768&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2021\/12\/image-6.png?fit=1024%2C768&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2021\/12\/image-6.png?fit=1024%2C768&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2021\/12\/image-6.png?fit=1024%2C768&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":18192,"url":"https:\/\/www.comparehero.my\/blog\/loans\/how-to-beat-the-unapproved-loan-application.html","url_meta":{"origin":18166,"position":5},"title":"How To Beat Unapproved Loan Application","author":"CompareHero","date":"18 April 2019","format":false,"excerpt":"\u00a0 'Updated 15 January 2019. You have your plans set, your goal seems within an arms reach and all you need now is that RM50,000.00 to make your dreams a reality. So what do you do? simple. Apply for a personal loan and that's exactly what you did. few weeks\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\/2019\/04\/loan.png?fit=1024%2C768&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2019\/04\/loan.png?fit=1024%2C768&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2019\/04\/loan.png?fit=1024%2C768&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2019\/04\/loan.png?fit=1024%2C768&ssl=1&resize=700%2C400 2x"},"classes":[]}],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/maximum-loan-amount-calculated.jpg?fit=1200%2C680&ssl=1","_links":{"self":[{"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/posts\/18166","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/users\/268230141"}],"replies":[{"embeddable":true,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/comments?post=18166"}],"version-history":[{"count":1,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/posts\/18166\/revisions"}],"predecessor-version":[{"id":57380,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/posts\/18166\/revisions\/57380"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/media\/1201"}],"wp:attachment":[{"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/media?parent=18166"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/categories?post=18166"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/tags?post=18166"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}