Financial Advisor - Ray

26/10/2025

BNPL & Your Credit Report: What You Must Know Before You use Buy Now & Pay Later

Many people enjoy the convenience of BNPL — now, pay later, split into instalments

🔍 But here’s what you should really know:
BNPL providers are soon required to report borrower data to credit agencies like CCRIS / CTOS.

BNPL might look small — but when it shows in your CCRIS,
your DSR goes up too 😬
Higher DSR = harder to get new loan in the future.
⚠️ Think twice before applying any small loan or pay-later plan!

If you miss BNPL payments or have high BNPL commitments, your future loan or credit card approvals could be affected.

Even if BNPL hasn’t shown up in your credit report yet, it’s only a matter of time before regulation catches up.

✅ What should you do now?
• Check how many BNPL accounts you’ve used (Shopee SPayLater, Grab PayLater, Atome etc).
• Make sure you always pay on time — set reminders, track payments.
• If you’re applying for a serious loan (car, home) soon, minimise BNPL usage and keep commitments low.

Remember to review your credit profile and ensure BNPL doesn’t become a hidden risk for your next loan.

Source : https://theedgemalaysia.com/node/748795?

The Consumer Credit Bill 2025, which is expected to be gazetted by the end of this year, will require buy now, pay later (BNPL) providers to report consumer borrowing data to credit rating agencies.

24/10/2025

✍️ Caption: “Tax Relief in 2026 — What it means for you”

✅ Good news: Budget 2026 brings expanded tax reliefs — especially helpful if you’re planning loan restructuring or trying to improve your financial position.

Here’s what you should know:
Relief for childcare fees is expanded: The existing RM3,000 relief for registered childcare/kindergarten fees (up to 6 years old) is proposed to extend up to children aged 12.

Life-insurance/takaful & vaccination reliefs widened: Under Budget 2026 the relief for life/takaful contributions is being expanded to cover children, and vaccination relief will cover all approved vaccines (previously limited).

Reminder: Before you submit your income tax (YA 2026 or upcoming), make sure your supporting documents are ready: receipts for insurance/takaful, childcare enrolment fees, medical/vaccination bills.
These items may help reduce your chargeable income and improve your debt service ratio if you’re applying for loans again.

🔗 Source: Malay Mail –

KUALA LUMPUR, Oct 11 — Do you know what you will be getting from Budget 2026? If not, here’s a look at some of the key income tax reliefs and exemptions that you can look...

22/10/2025

💰 BUDGET 2026: Key Highlights That Affect Your Loans & Finances

Good news — Budget 2026 brings several measures that may help Malaysians manage their loans and financial commitments more effectively:

✅ Stamp duty exemption for first-time homebuyers (properties up to RM500,000) extended until December 2027 — great news for those planning to own a home after restructuring their credit!
✅ Enhanced protection for borrowers — the government aims to tighten fair-lending rules and improve financial literacy programs for individuals under AKPK or with poor credit history.
✅ Relief for PTPTN borrowers from lower- to middle-income families — offering easier repayment and potential incentives for timely payments.

🔗 Sources:
RinggitPlus – https://ringgitplus.com/en/blog/budget-2026/budget-2026-key-highlights-to-know.html?

Explore the highlights of Budget 2026, featuring RM470 billion in allocations for households and targeted support programmes.

20/10/2025

Budget 2026 update: The government will offer a matching grant up to RM4,000 if you scrap a car older than 20 years and buy a new Proton or Perodua. Good news if you’ve been thinking of upgrading — this is to improve road safety and reduce old-vehicle emissions.

Source: Paultan / MalayMail.

Do you have an old car that’s no longer running, and the cost of reviving it doesn’t make sense compared to the low value of the thing? Instead of letting it rot away and take up space, how about scrapping that hunk of metal? In this evening’s tabling of Budget …

19/10/2025

🚗 Fuel Subsidy Update (BUDI95) – What It Means for Your Wallet

Starting now, the Malaysian government has launched the BUDI95 scheme:
• All eligible Malaysian citizens can buy RON95 petrol at RM 1.99 per litre (with valid MyKad + driver’s licence) — capped at 300 litres per month for private drivers.

• If you are an e-hailing or delivery driver (BUDI95), you may qualify for additional fuel quota / exemption from the 300-litre cap — good news for gig workers.

🔍 So what does this mean for you?
✔️ If you’re a regular driver with moderate usage 300 litres/month → you may face higher cost for the portion above 300 litres.
✔️ If you work as e-hailing/delivery driver → you may gain extra fuel subsidy quota, reducing your cost significantly.

📌 Tip: Check your monthly fuel usage. If you’re near or exceed 300 litres/month, plan ahead. If you’re gig-worker, register/confirm your status early to access the extra quota.

🔗 Source: https://theedgemalaysia.com/node/770987
🔗 Source: https://paultan.org/2025/09/23/govt-to-strictly-monitor-e-hailing-drivers-usage-of-subsidised-ron95-petrol-prevent-misuse-fm2/?utm_source=chatgpt.com

KUALA LUMPUR (Sept 22): The Malaysian government will provide up to 300 litres of RON95 petrol per month at RM1.99 per litre to all eligible citizens beginning on Sept 30, 2025.

18/10/2025

很多客户都会问我：
“我现在债务太大，有办法解决吗？”
“信用卡刷爆了，还有救吗？”

💡 答案是：当然还有出路！

我是 Ah Lee，您值得信赖的财务顾问。
我会一步一步引导您，帮助你重整财务，让财务状况回到正轨。

✨ 我专注处理以下问题：
❌ 清偿
❌ 还款逾期
❌ 高额债务
❌ 信用卡负担太重

💼无论什么情况，我都会尽力帮你找出最好的办法

📲 立即联系我，一起为您寻找最合适的解决方案！
📞 WhatsApp: +6016-319 8743
🔗 wa.link/0dtpor

19/09/2025

🤔 Ever wonder why your loan didn’t get approved?
It’s not always about your income… sometimes the issue lies in your CTOS or CCRIS report.

Questions people always ask us:
🔍 What actually lowers my credit score?
📊 How do I read my CTOS/CCRIS report?
🚫 What counts as a “bad record”?

If you’re curious about the same things, this post is for you 💡 Just spend 2 minutes to understand what banks really see.

🎁 Special Offer: First 10 people who PM us will get a FREE CTOS report to check your profile!
📩 Don’t wait – your loan approval could depend on it!

15/09/2025

🇲🇾✨ Happy 1 Malaysia Day!
Let’s celebrate unity in diversity — different cultures, one nation, one heart ❤️. Together we are stronger!

12/09/2025

Many clients always ask me:
“Can I still recover if I have late payments?”
“Is there still a way out if I’ve joined AKPK or SAA?”

💡 The answer is: You’re not without choices!
I’m Ah Lee, your trusted financial consultant.
I’ll guide you step by step to restructure your finances and regain your stability.

✨ I specialize in helping with:
• Late Payments / High Debt
• SAA / AKPK Cases
• Loan Settlement & Restructure
• Financial Planning

💼 Every case is handled with care and professionalism.
📲 Message me today — let’s find the best solution for you!
My number - 60163198743
wa.link/0dtpor

17/08/2025

PART 3
🛡️𝑪𝒂𝒓𝒂 𝑲𝒂𝒘𝒂𝒍 𝑪 𝑪𝑨𝑹𝑫 𝑺𝒖𝒑𝒂𝒚𝒂 𝑺𝒆𝒍𝒂𝒎𝒂𝒕 💳
𝑪 𝑪𝑨𝑹𝑫 ni macam kawan yang baik hati… tapi kalau tak jaga, dia boleh jadi “toxic”. 😅

* 📊 Naikkan limit – tapi guna bawah 40% je. Bank s**a, DSR pun cantik.
* ✅ Bayar penuh setiap bulan – ini rahsia elak interest tinggi yang makan duit tidur.
* 🚫 Jangan tarik cash dari ATM – interest terus “mencekik” + caj extra.
* ⏰ Set auto-debit – senang, tak risau terlupa tarikh.

💡 Ingat: 𝑪 𝑪𝑨𝑹𝑫 bukan musuh. Kalau guna bijak, dia boleh jadi “bodyguard” kewangan kita. 😉

16/08/2025

PART 2
❌ 𝑲𝒆𝒃𝒖𝒓𝒖𝒌𝒂𝒏 𝑪 𝑪𝑨𝑹𝑫 – 𝑲𝒂𝒍𝒂𝒖 𝑻𝒂𝒌 𝑷𝒂𝒏𝒅𝒂𝒊 𝑲𝒂𝒘𝒂𝒍😬
𝑪 𝑪𝑨𝑹𝑫 memang nampak “cool” 💳, tapi kalau salah guna, boleh jadi NIGHTMARE😱.

* 💥 Interest tinggi gila – sampai 18% kalau lambat bayar. Hutang boleh jadi snowball.
* 📉 DSR naik – bank kira komitmen kad kredit penuh, jadi susah nak lulus loan lain.
* 🛒 Senang boros – sekali swipe rasa macam tak keluar duit… padahal bil nanti menangis.
* ⚠️ Rekod buruk CTOS/CCRIS – lewat bayar lama-lama, nama terus busuk kat sistem.

💡 Lesson: 𝑪 𝑪𝑨𝑹𝑫 bukan masalah… yang masalah bila kita guna ikut emosi, bukan ikut plan. 🙏