Debt Consolidation in Malaysia: How to Combine Your Debts into One Payment

You have three credit cards, a personal loan from two years ago, and maybe a hire purchase payment that seemed manageable when you signed for it. Each debt has its own payment date, its own interest rate, and its own minimum payment. You are juggling four or five due dates a month, and the total going out is creeping past what your salary can absorb.

This is the situation debt consolidation is designed for. You take all those scattered debts and roll them into a single payment — ideally at a lower interest rate. One due date. One instalment. One plan to get to zero.

Here is exactly how to do it in Malaysia, which method fits which situation, and when you should skip consolidation entirely and go to AKPK instead.

What Debt Consolidation Actually Means#

Debt consolidation is not a special product. It is a strategy: you use one financial instrument to pay off several others, so you end up with a single monthly obligation instead of many.

In Malaysia, the most common ways to consolidate debt are:

1. Personal loan consolidation — take a new personal loan, use it to pay off all your credit cards and smaller debts
2. Balance transfer credit card — move credit card debt to a new card with a 0% or low promotional rate
3. AKPK Debt Management Programme (DMP) — a free AKPK service in which its financial advisors work out a repayment plan with your participating lenders
4. Home loan refinancing (cash-out) — if you own property, refinance for a higher amount and use the surplus to clear unsecured debts

Each has different eligibility requirements, costs, and trade-offs. The right one depends on how much you owe, what your credit looks like, and whether you can qualify for new credit at all.

Option 1: Personal Loan Consolidation#

This is the most straightforward method and the one that works for the widest range of people.

How it works#

You apply for a personal loan large enough to cover your combined outstanding debts. Once approved, you use the disbursed funds to pay off each credit card and existing loan in full. You then repay the single personal loan in fixed monthly instalments over 1–7 years.

Why it saves money#

Malaysian credit cards charge 15–18% p.a. on revolving balances. Personal loan effective rates typically range from 9% to 15% depending on the bank and your profile. Even at the higher end, you are paying less interest than credit card revolving charges.

Example: You owe RM30,000 across three credit cards at an average of 18% p.a. That is RM5,400 per year in interest alone — RM450 per month before you touch the principal. A personal loan at 10% effective rate on the same RM30,000 over 5 years costs roughly RM3,000 per year in interest and guarantees you are debt-free in 60 months.

What you need to qualify#

• Minimum income: RM2,000–RM3,000/month depending on the bank
• CTOS score: banks do not publish the score they require; CTOS's own gauge calls 697–717 Good and 744–850 Excellent
• Clean CCRIS: No more than one month overdue on any facility in the past 12 months
• Debt-service ratio (DSR): Total monthly loan repayments (including the new consolidation loan) must stay under the bank's own limit (60–70% of net monthly income is a market rule of thumb, not a Bank Negara Malaysia figure)

Typical personal loan rates for consolidation (2026)#

Rates as published by each bank. The MBSB row was re-read on 27 October 2026, BSN's on 28 October 2026 and RHB's on 3 and 4 November 2026; the other rows are as checked on 10 September 2026. CIMB Cash Plus was re-read on 4 November 2026. The lowest figures are entry or campaign rates with conditions attached — BSN's assumes Takaful cover and adds 1% without it, and RHB's rate for government and selected GLC employees is 2.63% flat (5.00% p.a.) for incomes under RM5,000 with Takaful cover and 2.77% flat (5.25% p.a.) otherwise, with campaign pricing to 31 December 2026 (RHB's -i pages, read 3 November 2026, list a minimum income of RM2,000 for them and RM3,000 for private sector; the private-sector rate is as low as 14.00% p.a., 7.62% flat). MBSB and RHB price on a variable basis linked to the Standardised Base Rate rather than a fixed flat rate, so the instalment can move after you sign; the SBR was 2.75% with effect from 17 July 2025. For consolidation this matters more than usual, because the whole point is a predictable single payment.

BSN's Public Sector rate and MBSB's Mumtaz-i rate are primarily for government servants and GLC employees on salary deduction schemes; BSN's Eksekutif-1 is for employees of the employers BSN lists. Private sector borrowers typically land in the Maybank/CIMB/RHB range.

For how personal loan rates and approval work, see our personal loans guide; for named loans side by side, our personal loans list.

Pros#

• Lower interest rate than credit card revolving charges in almost every case
• Fixed monthly payment — you know exactly what you owe each month
• No negative CCRIS flag — the loan appears as a normal facility
• Forced discipline — you cannot "skip" a payment or pay only the minimum

Cons#

• Requires decent credit — if your score is damaged, you may not qualify or may get an unfavourable rate
• Processing fees — typically 1–2% of the loan amount, charged upfront
• Early settlement penalty — most banks charge 3–5% on the outstanding balance if you pay off early
• Temptation risk — your credit cards are now at zero, but they are still open. If you start spending on them again without clearing the consolidation loan, you end up with more debt than you started with

Option 2: Balance Transfer Credit Card#

A balance transfer (BT) lets you move existing credit card debt from one bank to another at 0% interest or a low promotional rate for a fixed period — usually 6, 12, 24, or 36 months.

How it works#

1. You apply to a bank offering a BT promotion
2. The new bank pays off your old credit card balance directly
3. You repay the new bank at 0% (or near-zero) interest over the promotional period
4. You pay a one-off handling fee — typically 1–5% of the transferred amount

When balance transfer works for consolidation#

BT plans work best when:

• Your total credit card debt is under RM20,000–RM30,000
• You can realistically clear the full balance within the promotional period (6–36 months)
• Your credit is still clean enough to be approved for a new BT facility
• You will not accumulate new charges on the old card

When it does NOT work#

• Your debt is too large to clear within the promotional period. Any balance remaining when the promo ends reverts to 15–18% p.a. — you are back where you started.
• You have non-credit-card debts. BT plans only work for credit card balances. If you also have personal loans or hire purchase arrears, BT does not cover those.
• You keep spending. New purchases on the BT card typically accrue interest at the standard 15–18% rate immediately — the 0% only applies to the transferred balance.

For a step-by-step breakdown of how BT plans work and which banks offer the best terms, see our balance transfer guide.

Pros#

• 0% interest during the promotional period — the cheapest option if you can clear the debt in time
• Low upfront cost — handling fees of 1–5% are often cheaper than personal loan interest over the same period
• No new loan on your CCRIS — it is a credit card facility, not a loan

Cons#

• Reversion rate trap — miss the deadline and you are back to 15–18% p.a.
• Only covers credit card debt — cannot consolidate personal loans or hire purchase
• Credit limit dependent — the bank may not approve a BT limit large enough to cover your full debt
• Short window — 6–12 month promos require aggressive monthly payments

Option 3: AKPK Debt Management Programme (DMP)#

If your debts are too large, your credit is too damaged, or you simply cannot qualify for new credit — AKPK is the path designed specifically for you.

What AKPK does#

AKPK (Agensi Kaunseling dan Pengurusan Kredit) is an agency set up in April 2006; its Debt Management Programme is "a customised programme, where our financial advisors will work with you to develop a personalised debt repayment plan in consultation and agreement with your financial service providers". AKPK lists these benefits:

• Cash flow realignment and a reasonable repayment term based on your available cash flow
• A moratorium of legal proceedings
• No harassment from debt collectors

AKPK's termination terms indicate that the plan's interest and charges are reduced, and that on termination banks can claw them back; certain charges are waived. AKPK's pages give no rate. You pay your DMP instalment to AKPK on or before the 5th of each month.

Who qualifies#

• An individual or sole proprietor, not declared bankrupt
• Loans or financing with AKPK's participating financial service providers (not a company or licensed money lenders)
• Total outstanding obligations of no more than RM5 million
• Having difficulty meeting your repayments

AKPK's criteria do not mention nationality, an income test or a credit score.

What you give up#

• Credit lines are withdrawn — AKPK says credit lines such as credit card and overdraft facilities will be withdrawn
• No new credit — AKPK says you may not obtain new credit while remaining in the DMP, and any application is at the credit provider's discretion
• CCRIS — AKPK's pages do not say how the DMP is recorded; it encourages you to check your CCRIS report regularly
• Duration — AKPK gives no standard length; the term is based on your available cash flow

The AKPK advantage#

AKPK says there is no fee to engage in a financial advisory session or to enrol in the DMP, and that all its services are free for individuals and SMEs. It is not a lender: "AKPK does not provide nor assist customers obtain any credit facilities".

For the full step-by-step process, eligibility details, and what happens to your credit record, see our complete AKPK guide.

Option 4: Home Loan Refinancing (Cash-Out)#

If you own property with meaningful equity, you can refinance your mortgage for a higher amount and use the surplus cash to pay off unsecured debts.

How it works#

Say your home is worth RM500,000 and your outstanding mortgage is RM300,000. You refinance for RM350,000 — the bank pays off your old mortgage and gives you RM50,000 in cash (minus fees). You use that RM50,000 to clear credit cards and personal loans.

Why some people consider it#

Home loan rates (3.5–4.5% p.a. in 2026) are far lower than personal loan rates (9–15% effective) and credit card rates (15–18%). You are converting expensive unsecured debt into cheap secured debt.

Why it is risky#

• You are securing unsecured debt against your home. If you default on credit card payments, you lose your credit score. If you default on a mortgage, you lose your house.
• Refinancing costs are significant — legal fees, valuation fees, stamp duty, and the lock-in penalty on your existing mortgage can total RM10,000–RM20,000
• You are extending the repayment period — that RM50,000 in credit card debt that you could have cleared in 3–5 years is now spread over 20–30 years of mortgage payments. You pay less per month but far more in total interest.
• The break-even period is long — after accounting for all refinancing costs, it may take 3–5 years before you actually start saving money compared to paying off the debts at their original rates

For details on the refinancing process and cost calculations, see our home loan refinancing guide.

Which Option Fits Your Situation#

Here is the decision framework. Work through it from top to bottom.

Step 1 — Can you clear the debt with budgeting alone?

Before consolidating anything, run your real numbers. List every debt, every minimum payment, and your total monthly income after fixed expenses (rent, utilities, transport, food). If the gap is small — maybe RM200–300 short — aggressive budgeting might close it without needing a new financial product. Cut subscriptions, reduce dining out, sell things you do not use. If the maths works, this is always the cheapest option: zero fees, zero interest, zero credit impact.

Step 2 — Is the debt mostly credit card balances under RM30,000?

A balance transfer plan may be your best move. If your credit is still clean and you can commit to clearing the full amount within the promotional period (6–36 months), you pay just the handling fee — typically 1–5% — and zero interest. This is the cheapest form of consolidation for smaller credit card debts.

Step 3 — Is the debt spread across multiple products and your credit is still decent?

A personal loan consolidation makes sense here. You need a CTOS score the bank accepts (banks do not publish a cutoff), a CCRIS record that is mostly clean, and enough income headroom for the new loan instalment. The personal loan will carry a higher rate than a BT plan but covers all debt types (not just credit cards) and gives you a fixed repayment schedule.

Step 4 — Is the debt overwhelming, your credit is damaged, or you cannot qualify for new credit?

Go to AKPK. The DMP is free, and AKPK's enrolment criteria do not mention a credit score. It offers a plan agreed with your participating lenders, which a personal loan or BT plan cannot. The trade-off is that your credit lines are withdrawn and new credit is at the provider's discretion while you are on it.

AKPK DMP vs Consolidation Loan: Head to Head#

These are the two routes most people weigh against each other, so here they are side by side. A consolidation loan is a new personal loan you take out to pay off the rest. AKPK's Debt Management Programme is a free service that agrees a repayment plan with your existing lenders.

The honest read: if you can still qualify for a consolidation loan at a sensible rate, it is usually the cleaner path, because it leaves your credit standing intact. Once your debts are too large for your income, or your CCRIS already shows missed payments, a plan agreed through AKPK is something no loan can match. If a consolidation loan is your route, compare current rates on our ranked best personal loans in Malaysia list before you apply, since the rate you lock in decides whether consolidating actually saves you money.

Step-by-Step: How to Apply for a Consolidation Loan#

If you have decided a personal loan is the right consolidation method, here is the process.

1. List every debt you want to consolidate

Write down each credit card balance, personal loan outstanding, and any other debt. Include the interest rate, minimum payment, and outstanding balance for each. Total them up — this is the loan amount you need to apply for.

2. Check your CCRIS and CTOS reports

Before any bank does, check yourself. Get your CCRIS report free through eCCRIS on BNM's website and your CTOS report from ctoscredit.com.my (CTOS says you get 2 free basic reports a year, without a score or CCRIS data; the full report costs RM27.90 including SST, CTOS's price on 17 October 2026). Look for any missed payments, outstanding legal actions, or errors. If there are mistakes, dispute them before applying. For a walkthrough of how to read these reports, see our CTOS & CCRIS guide.

3. Calculate your debt-service ratio (DSR)

Banks use DSR to determine whether you can afford the new loan. The formula:

DSR = (Total monthly loan repayments / Net monthly income) x 100

Each bank sets its own limit; 60–70% is a market rule of thumb, not a Bank Negara Malaysia figure. If your DSR is already near the limit, the consolidation loan may be declined — or approved at a higher rate.

4. Compare personal loan offers from at least three banks

Do not accept the first offer. Different banks price risk differently. If you are a government servant, compare BSN, MBSB and RHB's government and selected GLC package (each publishes its own entry rate, with conditions; the table above shows them). Private sector employees should compare CIMB, Maybank, and RHB. Always compare the effective rate, not the flat rate — see our personal loans guide for the conversion formula.

5. Apply and wait for approval

Online applications through digital banking platforms can receive conditional approval in minutes. Branch applications take 3–7 business days. Do not apply to more than 2–3 banks — each application is reported to CCRIS, and CTOS, which counts new credit as 14% of its score, advises doing your rate shopping for a given loan "within a focused period of time".

6. Pay off every listed debt immediately upon disbursement

The moment the loan hits your account, pay off every single debt on your list. Do not leave "a little on one card for emergencies." Do not decide to keep RM2,000 aside "just in case." The entire purpose of this exercise is to eliminate the high-interest debts. Transfer the full amount to each creditor on day one.

7. Freeze or cancel the credit cards you are weakest with

Keep one card with a low limit for genuine emergencies. Cancel or freeze the rest. The biggest risk after consolidation is running up new credit card debt on top of the consolidation loan. Remove the temptation.

The Numbers: Consolidation Savings Example#

Here is a realistic scenario showing exactly how much consolidation saves.

Before consolidation:

You are paying RM1,350/month across three debts, with RM380 of that going straight to interest.

After consolidation (personal loan at 10% effective, 5-year term):

Your monthly payment drops from RM1,350 to RM637 — freeing up RM713 per month. Your monthly interest drops from RM380 to RM250. And you have a fixed end date: 60 months from now, the debt is gone.

Without consolidation, paying only the minimums on the credit cards at 15–18% p.a., it would take over 10 years to clear the same debt and cost significantly more in total interest.

Common Mistakes to Avoid#

Consolidating but not changing the behaviour that created the debt. If overspending on credit cards got you here, a consolidation loan gives you a clean slate — but only if you stop the cycle. Without a budget and a commitment to living within your income, consolidation is just a temporary fix.

Choosing the longest tenure to get the lowest monthly payment. A 7-year consolidation loan has lower monthly payments than a 3-year loan, but you pay substantially more in total interest. Choose the shortest tenure you can comfortably afford — the goal is to eliminate debt, not to make it comfortable to carry.

Applying to too many banks at once. Each application is reported to CCRIS, which lenders read, and CTOS advises doing your rate shopping for a given loan "within a focused period of time". Research rates online first, then apply to no more than 2–3 banks.

Ignoring the processing fee and early settlement penalty. A 1% processing fee on a RM30,000 loan is RM300. An early settlement penalty of 3–5% on RM25,000 outstanding is RM750–RM1,250. Factor these into your cost comparison — they are real money.

Consolidating debts that are already low-interest. If you have an existing personal loan at 5% flat (approximately 9% effective) and credit cards at 18%, consolidate the credit cards but leave the personal loan alone if the consolidation rate is higher than 9% effective. Only consolidate debts where the new rate is genuinely lower.

When to Skip Consolidation and Go Straight to AKPK#

Consolidation assumes you can qualify for new credit at a rate that saves you money. If any of the following apply, skip the consolidation route and contact AKPK directly:

• Your total monthly debt repayments are already at or above your bank's DSR limit (70% of net income is the top of a market rule-of-thumb range, not a Bank Negara Malaysia figure) — a consolidation loan is unlikely to be approved
• Your CCRIS shows 2 or more months overdue on any facility — approval is unlikely, and any rate offered will be high enough to negate the benefit
• Your total unsecured debt exceeds RM50,000 and growing — at this level, the interest savings from a personal loan may not be enough to make the debt manageable
• You have already been rejected by two or more banks — each application is reported to CCRIS; stop applying and go to AKPK
• You cannot trust yourself to stop using credit cards — AKPK's DMP withdraws your credit card and overdraft facilities, which removes the temptation

AKPK's DMP is free, and AKPK's termination terms indicate the plan's interest and charges are reduced (banks can claw them back on termination), while certain charges are waived (no figure given). The trade-off is that your credit lines are withdrawn and new credit is at the provider's discretion.

Contact AKPK at 03-2616 7766 or visit akpk.org.my.

Related Guides#

• AKPK Debt Management Programme — Complete Guide — how DMP works, step-by-step application process, and what happens to your credit record
• Personal Loans in Malaysia: How Rates Work — flat vs effective rates and how banks set yours
• Personal Loan vs Credit Card — Which Costs Less? — the full cost breakdown and when to switch from revolving to fixed
• Best Balance Transfer Credit Cards Malaysia 2026 — how BT plans work and which banks offer the best terms
• How to Improve Your Credit Score in Malaysia — the post-debt recovery roadmap
• CTOS & CCRIS Explained — understand what lenders see when they pull your credit report

Amendment, 10 September 2026. This guide shared its rate table with our personal loans guide, and the same errors appeared in both. The five flat-rate bands shown did not match what any of these lenders publishes. CIMB Cash Plus was given an effective ceiling of 21.8% against a published 8.08% to 31.42%, understating the worst case by around ten percentage points. BSN's row collapsed a family of distinct MyRinggit and MyRinggit-i facilities — Public Sector, Professional, Eksekutif-1 and others, each with its own rate and eligibility — into a single 4.5–7% band that described none of them; the published entry rate on Eksekutif-1 is 2.20% p.a. flat with Takaful. And MBSB and RHB price against the Standardised Base Rate rather than a fixed flat rate, so their instalments can move after signing. That last point matters more here than in the companion guide: consolidation is sold on the promise of one predictable payment, and two of the five lenders in this table cannot promise the payment stays fixed. Sources: BSN, MBSB, Maybank, CIMB and RHB published product pages and disclosure sheets, retrieved 10 September 2026. The BSN 2.20% figure in this paragraph was withdrawn on 28 October 2026 (see the amendment of that date).

Amendment, 17 October 2026 (FAQ answer). The maximum-amount FAQ said personal loans "typically cap at RM100,000–RM150,000". We found no primary source for that range, so it is removed; the answer now says the limit is each bank's own. The 60–70% debt-service ratio statement is this guide's own (DSR section) and was not re-checked here.

Amendment, 17 October 2026 (AKPK claims). This guide's AKPK passages were checked against AKPK's own pages (see docs/verification-log/akpk-aeon-oct17/evidence.md) and these statements were removed because they are not on those pages: that AKPK is a government agency funded by, or a "BNM-backed" programme of, Bank Negara; interest reduced "to 0%" or "often" below any loan rate; a single payment that AKPK "distributes"; a Malaysian-citizen, income or "no maximum debt" rule (AKPK's criteria cap the total at RM5 million and cover only participating providers, not licensed money lenders); "typical" 5 to 10 year tenures; the "RP" status on CCRIS and the claim that banks decline you on sight of it; that cards are "frozen" (AKPK says credit lines are withdrawn). The consolidation-loan figures in this guide were not part of that check and are unchanged.

Amendment, 25 October 2026 (credit checks, CTOS and DSR). We brought this guide into line with what evidence batch H found from CTOS's own pages and BNM's CCRIS page and its 2016 statement on lending limits (files and hashes in docs/verification-log/followups-property-credit-oct25/evidence.md). Corrected: the CTOS link now goes to ctoscredit.com.my (myctos.com did not open for us on 17 October 2026), with CTOS's 2 free basic reports a year and the RM27.90 full report; the CCRIS link now goes to eCCRIS (eccris.bnm.gov.my), not "iCCRIS" on bnm.gov.my. Changed to "not sourced": the 60–70% DSR range, in the maximum-amount FAQ, the eligibility list, the DSR step and the "skip consolidation" list, is now a market rule of thumb set against each bank's own limit (BNM said in 2016 that it does not prescribe lending limits). Removed: the CTOS score cutoffs ("below 600" in the bad-credit FAQ, "650 or above gives you the best rates; below 600 makes approval unlikely" in the eligibility list, "a CTOS score above 650" in the worked scenario), because banks do not publish them; the "hard inquiry" framing ("the loan application triggers a hard inquiry on your CCRIS", "the application adds a hard enquiry", "each application creates a hard inquiry on your CCRIS that lowers your score", "Three or more inquiries in a short period signals credit stress and can lower your CTOS score", "each rejection is a hard inquiry that further damages your score"), because we did not find CTOS or BNM using it; the text now says applications are reported to CCRIS (BNM's list of reported application details) and quotes CTOS's advice to rate-shop "within a focused period of time"; "banks will not approve a consolidation loan" above 70% DSR, now "unlikely to be approved" at or above the bank's own limit. Also reworded: the market-rule-of-thumb wording for 60–70% ("a market rule of thumb we could not source") now reads "a market rule of thumb, not a Bank Negara Malaysia figure", wherever it appears in the body, FAQs and tables. No other figure changed.

Amendment, 27 October 2026 (RHB campaign rate). The note under the rate table said RHB's campaign rate requires RM5,000 gross monthly income. RHB's -i page (read 27 October 2026, saved in docs/verification-log/a42-rhb-mbsb-loans-oct27) lists a minimum income of RM2,000 for government and selected GLC employees and RM3,000 for private-sector financing; RM5,000 is not on the page. The note now says that, that the 2.63% flat rate is a campaign rate for government and selected GLC employees to 31 December 2026, and that the private-sector 7.62% flat is "as low as" and also a campaign rate. Also corrected: the RHB effective-rate cell ("Not published") now shows what the page gives (5.00% p.a. variable; private-sector tiers 14.00% to 20.00% p.a.), and the tenure cell says up to 10 years for the -i product and up to 7 years for the conventional one. Fix round (27 October 2026, second check). MBSB's "Effective rate" cell showed a flat figure ("around 3.06% flat at 3 years"); it now shows the effective rate MBSB publishes, "as low as" 5.80% p.a. on its lowest package (Mumtaz-i, permanent public-sector and selected GLC staff; 3.06% flat over 3 years), and the private-sector as-low-as 11.60% p.a. The note under the table said the rates were all "checked on 10 September 2026" over rows re-read on 27 October; it now says which rows were re-read when. RHB's private-sector 7.62% campaign rate now carries its end date, 31 December 2026. RHB's 2.63% flat is "as low as" on the page, not "around", and the text now says so.

Amendment, 28 October 2026 (government servants and the variable-rate box). We re-fetched MBSB's and RHB's pages on 28 October 2026 and they are unchanged since 27 October (evidence in docs/verification-log/a42-rhb-mbsb-loans-oct27). Corrected: the advice "If you are a government servant, BSN and MBSB will give you the best rates" contradicted this guide's own table, where RHB's government and selected GLC package is published as low as 2.63% flat (5.00% p.a. variable), below MBSB's 3.06% flat; it now says to compare BSN, MBSB and RHB's package, and no longer promises the best rate. The summary box on variable pricing dropped the borrower group: MBSB's SBR + 3.05% is its Mumtaz-i package for permanent public-sector and selected GLC staff, and RHB's 5.00% variable rate is for government and selected GLC employees (its private-sector rate is as low as 14.00% p.a. effective). The box now says so. Fix round (28 October 2026, rate table). Changed: the MBSB and RHB cells in the rate table, and the bold type in the BSN, CIMB Cash Plus and Maybank cells, were rewritten as plain text so that on a phone each group label stays with its figure. The MBSB rate cell now says that SBR + 3.05% p.a. is the Mumtaz-i package for permanent public-sector and selected GLC staff, that Private Sector-i is as low as SBR + 8.85% p.a., and that the 15% p.a. ceiling applies to all packages; the RHB cell names the group (government and selected GLC employees) before its figures. No other figure was added or removed. (The MBSB rate cell gained SBR + 8.85% p.a. for Private Sector-i, which is on MBSB's page; this paragraph earlier said no figure was added, which was wrong.) Fix round 2 (28 October 2026, BSN). Corrected: this guide gave BSN's MyRinggit-i as "from 2.20% p.a. flat (Eksekutif-1)" in the rate table. We re-fetched BSN's four MyRinggit and MyRinggit-i pages on 28 October 2026 (saved with sha256 in docs/verification-log/a42-rhb-mbsb-loans-oct27) and none shows 2.20%: Eksekutif-1 (private-sector employees of the employers BSN lists, and certified professionals) is 6.00% to 8.50% flat with SBR + 5.85% floating, and the Public Sector variant (government, GLA, GLC and salary-deduction employers) is as low as 4.60% p.a. flat with as low as SBR + 2.05% floating; each adds 1% without Takaful. The 2.20% figure (also in the 10 September 2026 amendment) is withdrawn. The table now gives those two ranges by segment, the note under it says BSN's row was re-read on 28 October 2026, and the note on who BSN's and MBSB's rates are for names each segment.

Amendment, 29 October 2026 (CIMB Cash Plus). CIMB's rates page limits its 4.38% (8.08% effective) to CIMB Preferred customers; the next tier is 5.88% (10.65% effective). The rate-table row and the CIMB box now say so. The row and box also now give the tenure as 2 to 5 years, as CIMB's page lists (they said 7 years), and the box headline moved from 8.08–31.42% to 10.65–31.42%, because 8.08% is the Preferred-only rate. The Cash Plus row was re-read on 29 October 2026; the other rows keep their earlier dates.

Amendment, 4 November 2026 (CIMB Cash Plus). Corrected: the 29 October amendment above said the next tier after CIMB Preferred's 4.38% (8.08% effective) was 5.88% (10.65% effective) without saying who gets it, and gave the tenure as 2 to 5 years. CIMB's Cash Plus product page, read 4 November 2026, limits 5.88% (10.65% effective) to selected CIMB@Work customers only (footnote 3) and 4.38% to CIMB Preferred (footnote 2), and gives the repayment period as "from 2 years and up to 7 years". Its rates are illustrated for a 5-year loan; for 6 and 7 years the rate varies with the approved tenure. The rate-table row and the CIMB box now say so, the box headline is "up to 31.42%" because neither 8.08% nor 10.65% is open to every borrower, and the Cash Plus row was re-read on 4 November 2026.

Amendment, 3 November 2026 (RHB Personal Financing-i). We re-read RHB's Personal Financing-i pages (https://www.rhbgroup.com/islamic/financing/personal-financing/) on 3 November 2026: private sector as low as 14.00% p.a. (flat 7.62%), minimum income RM3,000; government and selected GLC employees as low as 5.25% p.a. (flat 2.77%), minimum income RM2,000. Changed: the table now quotes the product pages' own rates (5.25% p.a., 2.77% flat, for government and selected GLC employees; 14.00% p.a., 7.62% flat, for the private sector). RHB's payment tables linked from those pages, read 4 November 2026, still list 5.00% p.a. (2.63% flat) for civil-sector applicants earning below RM5,000, and private-sector promo rates of 24.00% (RM2,000 to RM15,000), 20.00% (RM16,000 to RM50,000), 17.00% (RM51,000 to RM99,000) and 14.00% p.a. (RM100,000 to RM150,000), all with Takaful cover and campaign pricing ending 31 December 2026.

Amendment, 4 November 2026 (RHB government and selected GLC rate). The guide now gives both of RHB's published figures for government and selected GLC employees on Personal Financing-i: 5.00% p.a. (2.63% flat) for applicants earning under RM5,000 who take RHB's Takaful cover, from RHB's payment table, and 5.25% p.a. (2.77% flat) otherwise, from the product page, with campaign pricing to 31 December 2026 (both read 4 November 2026).