Personal Loan Bank / Pinjaman Wang Bank -Aza-

03/06/2026

Ramai first-time buyer tak faham apa itu DSR.

DSR (Debt Service Ratio) = peratus pendapatan bulanan yang “terikat” dengan bayaran hutang.

Yang selalu naikkan DSR tanpa sedar:
• Kad kredit (walaupun jarang guna, ada kira minimum payment)
• PTPTN
• Loan kereta
• Personal loan lama

Semua ini bank kira sekali.
Ramai rasa “aku mampu”.
Tapi bila check, DSR dah cecah 70–80%.

Sebelum apply loan rumah:
Semak DSR dulu. Jangan main agak.

26/05/2026

Ramai customer tanya saya,
“Kenapa bank s**a tanya pasal ASB atau ASBF masa apply loan rumah?”

Sebab bank nampak ASB sebagai salah satu tanda customer ada financial discipline 😊

Customer yang ada:
✔️ Simpanan
✔️ Rekod bayaran cantik
✔️ Commitment terkawal

biasanya beri keyakinan lebih tinggi kepada bank.

Tapi ASBF kena guna dengan bijak juga.

Kalau ambil terlalu tinggi tanpa cash flow yang kuat, ia boleh effect DSR dan peluang loan rumah.

Yang paling penting bukan nampak “kaya”,
tapi nampak stabil 💯

Kalau nak saya bantu check profile sebelum submit application, boleh PM saya 👍

15/05/2026

Please be advised 😊

Kalau nak tanya pasal loan atau financing, pastikan rujuk terus kepada bank atau pegawai bank yang sahih.
Jangan mudah percaya info daripada individu yang tidak dikenali kerana boleh berlaku misinformation atau maklumat yang tidak tepat.

📌 Tapis sebelum percaya. Semak sebelum bertindak.

14/05/2026

Rumah Dah Jumpa ?

-Direct bank-
Aza
0137480180

12/05/2026

Hi Everyone, Saya Ahdza✨
🏦 Banker dari Public Bank HQ 😊

Perlukan bantuan mengenai:
🏡 Loan Rumah
🏢 Commercial Loan
🌱 Land Financing
💼 SME Loan
💳 Credit Card
📄 Personal Loan

Boleh terus roger saya 👌🏻
📲 0137480180
DM pun boleh!

11/05/2026

Nak Bank 'Approve' Pinjaman? Senang Je! 💸

Ingat tips 3S ni sebelum hantar permohonan:

1️⃣ S-tabilkan Pendapatan 💰
Bank s**a orang yang ada kerja tetap. Pastikan ada slip gaji atau rekod duit masuk yang jelas.

2️⃣ S-entiasa Bayar On-Time 💳
Jangan s**a tangguh bayar bil. Kalau rekod bersih, bank pun yakin nak bagi pinjam.

3️⃣ S-elamat Bagi Bank 📉
Bila gaji mantap & rekod cantik, bank anggap korang "peminjam selamat." Barulah senang dapat green light!

Korang dah mula simpan rekod kewangan ke belum? Cuba check balik! 🧐

11/05/2026

05/05/2026

Hi Everyone, Saya Ahdza✨
🏦 Banker dari Public Bank HQ 😊

Perlukan bantuan mengenai:
🏡 Loan Rumah
🏢 Commercial Loan
🌱 Land Financing
💼 SME Loan
💳 Credit Card
📄 Personal Loan

Boleh terus roger saya 👌🏻
📲 0137480180
DM pun boleh!

21/04/2026

🚀 Empowering SMEs at Karnival PMKS & E-Invois!

The future of business is digital, and we are here to help you navigate it. 💼✨

We are thrilled to be part of Karnival PMKS & E-Invois at the Kuala Lumpur Convention Centre! As Malaysia moves toward a more integrated digital economy, Public Islamic Bank is committed to being the "Bank for the People," ensuring our local entrepreneurs have the financial support and tools they need to thrive.

Whether you're looking to understand the new e-Invoicing landscape or seeking personal financing solutions to scale your business, our team is ready to assist you.

📍 Visit Us Today!
• Location: Booth B18, Hall 5, Aras G, KLCC
• Dates: 20 – 21 April 2026
• Time: 9:00 AM – 6:00 PM
Come say hi to our friendly team and let's discuss how we can grow your business together. See you there!