General Questions

We have assisted thousands of customers in securing bank loan approvals. As a bank loan advisor, we do not provide loans directly from our company.

GSP Meta Solution offers consultations on various bank loans, including personal, business, mortgage, and debt consolidation loans. We help you secure the best loan based on your profile.

1. Our telemarketer will assist you in obtaining a CTOS report.

2. Our consultant will collect additional documents from you and proceed with the discussion.

3. We will submit applications only to banks in Malaysia.

4. We will handle the approval process and securing the loan.

Please note that we will not request any upfront payment.

For both personal and mortgage loans, applicants must have at least six months of credit card usage or a bank loan facility. Additionally, applicants should not have any delayed payments for two consecutive months, be blacklisted, or be under the AKPK program, unless their basic salary (excluding overtime, allowances, and commissions) is RM3,000 or more.

For business loans, applicants must have at least one year of business registration with SSM (Suruhanjaya Syarikat Malaysia).

We can assist with applications to all banks in Malaysia, as well as legal non-bank institutions and platforms, such as AEON and P2P financing platforms. Please note, we do not provide loans directly from our company.

Many customers apply for a personal loan to consolidate multiple debts into one with a lower interest rate or to access cash. We also assist those who are blacklisted or under AKPK in improving their credit records and securing a bank loan.

A business loan is crucial for growth, helping improve cash flow, expand operations, and prepare for challenges. As loan requirements evolve, we stay informed about the latest updates and can assist you in securing the right business loan.

Applying for a mortgage loan enables you to purchase a new home, either for personal use or investment. It also allows you to refinance an existing loan, potentially accessing extra cash for personal or business needs, or consolidating high-interest debts to reduce monthly commitments.

To simplify the process, we request only the minimal documents required by the banks.

For employees, the basic documents typically needed are a 3-month payslip and a 2-year EPF statement. Some banks may also request a 3-month bank statement, a staff verification letter, or an existing loan facility statement.

For self-employed individuals, the basic requirement is a 6-month company bank statement. Additional documents, such as 2 years of income tax returns, audit reports, or photos of the premises, may be requested by some banks.

Certainly. We will start by checking a CTOS report to identify the reasons for the rejection and address any issues. We can then assist with applications to all banks in Malaysia, depending on your profile.

For personal and mortgage loans, approval typically takes 3-7 days, though some banks may respond within 3 days and others within 2 weeks. Business loans may take a bit longer.

Let us help you check your CTOS report for free to expedite the application process.