What are the opening hours?

Monday 09:30 - 17:30 Tuesday 09:30 - 17:30 Wednesday 09:30 - 17:30 Thursday 09:30 - 17:30 Friday 09:30 - 17:30

BlueBricks Loan Agency, No21-2, Jalan Radin Bagus 5, Bandar Baru Sri Petaling, sri petaling (2026)

Q: What is the website?

http://www.bluebricks.com.my/, https://www.bluebricks.com.my/fb-en-personal-loan-with-high-commitment-problems/

28/09/2026

My Monthly Instalment Is Lower. Why Could I Pay More in Total?

After looking at a debt restructuring plan, a client may ask a very practical question:

"I used to pay RM4,900 every month. Now I only need to pay RM2,100. My monthly instalment has dropped by more than half, so why are you still asking me to look at the total amount I will pay?"

The reason is that the monthly instalment and the total repayment tell you two different things.

You can think of repaying a loan as walking up a staircase. The monthly instalment is the height of each step. The loan period is the total number of steps. A lower step is easier to climb. If there are many more steps, the whole journey will also be longer.

Your monthly instalment tells you how much money must come out each month. The total repayment tells you how much you will pay after adding every instalment from the first month to the last. A longer loan period can make each monthly payment lighter. It also creates more payments, so the final amount you pay may increase.

Let us use a simple set of numbers. These figures are only examples to make the idea easier to understand. They are not real bank offers, and they do not mean any bank will give you the same loan package.

Imagine borrowing the same RM100,000 under two plans:

• Plan A: 5 years, or 60 months, at RM2,000 a month
• Plan B: 10 years, or 120 months, at RM1,250 a month

If you look at the monthly instalment first, Plan B feels easier because you pay RM750 less each month. The result changes when you multiply the payment by every month in the loan period.

Plan A: RM2,000 × 60 months = RM120,000

Plan B: RM1,250 × 120 months = RM150,000

Plan B is lighter each month, yet you pay RM30,000 more by the end. The reason is simple. The repayment period is five years longer, which also means 60 more monthly payments.

A real loan also includes its interest rate and fees, and every bank can offer different terms. The amount you will really pay must come from the bank's final approved documents. The example above only shows why a lower monthly instalment can still lead to a higher total repayment.

Does this mean you should always choose the shorter loan period? No.

Go back to the client at the start. Let us say he earns RM7,500 a month and currently pays RM4,900 towards debts. Only RM2,600 remains after payday. Food, transport, water, electricity, children and household expenses have not been fully counted yet. He may still need a credit card to get through each month.

After debt restructuring, let us say his main monthly payment becomes RM2,100. He now has RM5,400 left. The extra RM2,800 gives daily life some room again and reduces the need to use a card for living costs.

For someone in this position, a longer loan period may cost more overall. It may also be the option he can afford right now. The higher cost gives him relief from several debts chasing him every month. It also gives him a chance to stop paying late and stop using new debt to cover old debt.

This room must be used to repair daily life. If he clears the credit cards and starts using them again, the new loan remains while the card debt returns. He can end up carrying one long-term loan together with a new group of card debts. The monthly instalment went down for a while, while the total debt became bigger.

So when you read a debt restructuring plan, look beyond the amount saved each month. Put at least five sets of numbers together:

• How much is the new loan, and which old debts will it settle?
• How much will you pay each month?
• How many years will you pay, and what is the total repayment?
• How much are the bank charges and service fee together?
• After the old debts and fees are deducted, how much cash will you really receive?

If the monthly instalment drops a lot while the loan period and total repayment both increase, you need to know what you are exchanging. You may accept that long-term cost. You may choose a shorter loan period, or you may reject the plan. Before deciding, you need to understand both sets of numbers.

The monthly instalment tells you whether each step is too heavy. The total repayment tells you what the whole journey will cost.

Getting a bank loan isn't as hard as you think —— BlueBricks

https://www.bluebricks.com.my/fb-en-personal-loan-with-high-commitment-problems/

26/09/2026

After Debt Restructuring, Should I Save First or Pay Down Debt?

Let us continue with Ah Jie. Last time, we said he earns RM7,500 a month. After debt restructuring, his total monthly debt payment dropped from RM6,000 to RM2,800.

On his first payday after the change, he looked at his bank account and asked the adviser:

"I pay RM3,200 less every month now. Should I save this money first, or use it to pay more towards the loan?"

The adviser reminded him that RM3,200 is only the difference between the old and new monthly payments. After taking the new RM2,800 payment from his RM7,500 income, RM4,700 remains in his account. He still needs to pay for food, petrol, water, electricity, household expenses and the rest of daily life. Only the amount left after all those costs is money he can really arrange.

That RM3,200 is not a pay raise. The money was already part of Ah Jie's income. In the past, his old debts took it first every month.

Some people would use all the extra room to pay more towards the loan because they want to finish it faster. There is nothing wrong with that idea. The problem comes when the bank account has no emergency savings at all. The next car repair, a family member's medical visit, or a sudden change at work may push them back to the credit card.

Other people see the lower monthly payment and feel that life can finally be more relaxed. They replace an appliance at home or eat out a few more times over the weekend. Each expense looks small on its own. A few months later, there is still no money left at the end of each month, and the credit card starts covering daily costs again.

These two choices look very different. Both can lead back to the same gap, with the credit card filling it again. The new loan is still there, and new card debt has returned as well.

So Ah Jie did not rush to decide how much extra he should pay. He put the order in place first.

First, after payday, he sets aside the new loan instalment and the money needed for essential living costs. His income for that month must be enough to cover the month's basic expenses. He no longer uses a credit card to fill the gap.

This money is set aside before he makes an extra loan payment or spends more because the instalment feels lighter. The first goal is simple: get through the month using the income that came in.

Second, he saves an emergency fund that can handle common unexpected costs at home. He does not need to save a large amount in the first month. He can begin with a small target and increase it slowly over time.

That first target only needs to give the household a buffer. A common surprise should no longer have to become new credit card debt.

Third, he considers early repayment only after daily life no longer depends on borrowing and the emergency fund has started to become stable. Before paying extra, he needs to ask the bank how extra repayments are calculated. He also needs to check whether the loan package has any conditions or fees.

The right emergency fund amount is different for each person. Someone with children, an unstable income, or higher household expenses will usually need to keep more money aside first. Someone with a stable income and an emergency fund already in place may have more room to put extra money towards early repayment.

For Ah Jie right now, the answer is to save an emergency fund first. He can think about early repayment after his living costs, new monthly instalment and emergency savings are all stable. When the next unexpected expense comes, he will not need to reach for the credit card again.

Approval and a lower monthly instalment are only the start. Six months or one year later, the new loan should still be paid on time, the card debt should not have returned, and money should finally stay in the bank account. That is when this debt restructuring has truly held together.

Getting a bank loan isn't as hard as you think —— BlueBricks

https://www.bluebricks.com.my/fb-en-personal-loan-with-high-commitment-problems/

24/09/2026

The Fee Is High. How Do I Decide If It's Worth It?

When people reach the last part of a loan proposal, many of them stop at the service fee line. One question naturally comes to mind:

"The monthly instalment has gone down, yes. But this fee is so high. Is it really worth going ahead?"

That is a fair question. For this article, let us first assume the service fee, SST and bank charges have all been written down clearly. If you still do not know what the charges cover, it is too early to decide whether the plan is worth it. The proposal has not told you the full story yet.

Once every charge is clear, compare two outcomes. What will life look like if you continue paying your debts in the current way? What will life look like after you accept the new plan?

Put those two outcomes side by side. Look at the pressure on each month's budget, the number of years you will stay in debt, and the full amount that will leave your pocket. The service fee only makes sense inside that full comparison. Only then can you see the full trade. The monthly relief, longer commitment and final cost all belong inside the same decision.

You do not need a page full of difficult numbers. Start with four questions:

• Which old debts will the new plan officially settle?
• How much less will you pay each month, and how much room will that give your daily life?
• How many more years will the new loan run, and how much will you pay in total by the end?
• After the old debts and every fee are deducted, how much cash will you actually receive?

Let us say you now have six debts. Together, they take RM4,900 from you every month. The new plan turns the old debts that need to be handled into one payment of RM2,100 a month.

That gives you RM2,800 more room each month. This space may help you stop paying late. It may also mean you no longer need to use a credit card to buy food or pay household bills. When someone is already short of money every month, that change can matter a lot.

Still, seeing RM2,800 is not enough to say the plan is worth it. Let us say all the one-off charges come to RM20,000. You still need to ask how many years the new loan will take, how much more you will pay in total, and whether the cash you receive is enough to solve the original problem.

The monthly instalment may fall only a little while the loan period becomes much longer. In that situation, the final amount paid can be higher. The approved amount may also be too small to deal with the original problem. A loan approval by itself does not make the plan useful.

There is another question people often miss. Are there other legal ways to deal with the same problem without taking this fee-based plan?

You can ask your current bank about repayment help. You can speak to AKPK about its free debt management programme. You can also ask banks about suitable products on your own. Compare every option with the same ruler: how much you pay each month, how long you pay, how much you pay in total, and whether the option can solve the problem you have now.

If a cheaper legal option can produce almost the same result, it becomes harder to say the service fee is worth paying. If the other routes cannot deal with the problem, look closely at what this proposal actually changes. It should settle the old debts that need to be settled, give your monthly budget room again, and explain the long-term cost clearly. Only then does it have value as an option to consider.

You can still say no even when every number checks out. You are the person who will carry the new loan. The final decision should also belong to you.

Clear charges solve the question of transparency. The question of value depends on whether your life and total cost really change after you pay the fee.

Getting a bank loan isn't as hard as you think —— BlueBricks

https://www.bluebricks.com.my/fb-en-personal-loan-with-high-commitment-problems/

21/09/2026

A Customer Said There Were No Hidden Charges. Which Costs Must Be Explained First?

In August, one customer left this message in a Google Review.

Original Google Review (unchanged):

"They’re very transparent and legit, everthing explained thoroughly, no hidden charges, went through smoothly to resolve my issue. Big thanks"

The key words are "everthing explained thoroughly". For the words "no hidden charges" to mean something, a consultant cannot rely on saying, "Don't worry, there are no other fees." Before the customer agrees, the customer should be able to understand where every part of the money will go.

If a bank approves RM100,000, that does not mean the full RM100,000 will enter the customer's bank account as usable cash. This matters even more in debt consolidation. Think of the approved money being placed into several envelopes. One envelope clears old debts. One pays the bank's related fees. One pays the consultancy fee and SST. The amount left is the cash the customer can use.

Fees may be paid at different times and in different ways. Looking only at the RM100,000 total leaves out the rest of the picture. The amount inside every envelope, who receives it and when it is paid should all be written down before the customer agrees.

A clear proposal should show at least five groups of numbers:

• How much is the bank expected to approve, or how much has it actually approved?
• Which old debts will be settled, and what is their total?
• How much are the bank fees, consultancy fee and SST?
• After everything is handled, how much cash is the customer expected to receive?
• What are the new monthly payment, interest rate, tenure and total repayment?

The customer should be able to check every one of them without guessing.

These numbers need to be read together. Imagine the bank approves RM100,000 and the money is divided like this:

• Old debts to be settled: RM60,000
• Bank-related fees: RM2,000
• Consultancy fee: RM12,000
• SST: RM960
• Cash the customer can finally use: about RM25,040

The arithmetic is RM100,000 minus RM60,000, RM2,000, RM12,000 and RM960. That leaves about RM25,040. This is only an example to make the idea easier to understand. It does not mean every bank or every plan charges the same way. The real figures must come from the bank's approval documents and the proposal accepted by the customer.

The timing of these documents also matters. Before the application, the customer will usually see an estimated proposal. The bank may approve a lower amount. It may also change the interest rate or tenure. After the result comes back, the customer should receive another version calculated using the actual approval. The customer can then decide whether to accept it.

The bank's documents should state the loan interest rate, monthly payment, tenure, fees and total repayment. The consultant's proposal should explain how the old debts will be handled, when the consultancy fee is paid, and roughly how much cash will remain. Reading both sets of documents together shows how the full approved amount is divided.

Seeing these figures together also helps the customer compare the plan with the current monthly burden and total cost. A clear explanation gives the customer enough information to make the decision without filling in missing numbers alone.

If a consultant only tells you how much can be approved and cannot explain which debts will be settled, how the charges are calculated or how much cash will remain, the proposal is still incomplete. When the numbers are unclear, you do not need to agree quickly just because the bank has approved the loan.

Whether a fee is high and whether it is hidden are two separate questions. You can compare a high fee with the change in monthly payment, the cash received and the total cost before deciding whether the plan is worth it. The hidden charge question is more direct: before the customer agrees, was every charge written down and explained?

Real transparency means you can work out where the money will go before you say yes.

Getting a bank loan isn't as hard as you think —— BlueBricks

https://www.bluebricks.com.my/fb-en-personal-loan-with-high-commitment-problems/

19/09/2026

Why Should You Wait Before Applying Again After a New Loan?

When a new loan has just been approved, some people naturally think:

"This bank was willing to approve me, so my file must be quite good. If I apply for another loan now, will my chance be higher?"

That thought sounds reasonable. When the first loan does not fully cover the amount you need, it is normal to want to close the remaining gap as soon as possible.

The first approval has already changed your situation. You now have more debt. The second bank will be looking at a different file from the one the first bank saw.

Think of a bank assessment like someone weighing a backpack. When the first bank checked the file, the backpack held RM2,800 in monthly debt payments. After the loan was approved, another RM900 was placed inside it.

Imagine this person earns RM7,000 a month. Before the new loan, the home loan, car loan and card debt added up to RM2,800 in monthly payments. The newly approved personal loan adds another RM900 every month.

The monthly debt payment has now moved from RM2,800 to RM3,700. When the second bank weighs the backpack again, it will include that extra RM900. The person's salary did not grow just because the first loan was approved, so the amount left for food, bills, family needs and daily life has become smaller.

That RM900 is now part of the person's fixed monthly burden. Even when the new loan has only just been approved, the next bank still has to assess whether RM7,000 of income can carry RM3,700 in debt payments and leave enough room for daily living.

The first bank's approval only tells us that the file passed that bank's checks at that time. It does not mean the second bank will keep using the old RM2,800 figure. It also does not mean the next application will be approved.

How does a bank know that you have just received a new loan?

It will check your documents and CCRIS. A CCRIS report can show active loans, applications that are still pending, and applications approved during the past 12 months. Details such as the amount applied for, the application date and the type of facility may also appear in the report.

CCRIS is not a rejection list. It records your credit position so a bank can see how many loans you have now and whether there have been new applications recently. A bank then uses that information together with the rest of your file when it makes its own decision.

The information does not update at the exact moment the money is released. It normally appears in a later update cycle. That is why the date alone cannot tell you what the next bank will see. After receiving a new loan, it is better to check the latest CCRIS report instead of guessing.

Why wait before sending another application?

You need to see two things clearly. First, has the new loan appeared correctly in your records? Second, after adding the RM900 monthly payment, how much money is really left for you to live on every month?

The waiting time can be used to settle a few practical matters:

• Confirm the first loan's actual monthly payment, tenure and deduction date
• Wait for the next CCRIS update, then check whether the information is correct
• Pay on time so the new loan starts building a normal payment record
• Add up every monthly debt payment again and see what remains after your salary comes in
• Be clear about the problem the second loan is meant to solve, and check whether the remaining gap can be handled another way

There is no waiting period shared by every bank. Some people may be ready for a fresh assessment after their records update. Others may need to lower a credit card balance first or give their income record more time to become stable. The answer depends on the bank, the product and the customer's full file.

After the first loan is approved, do not rush to send a second application. The backpack is already heavier. See whether you can still carry it before deciding what to do next.

Getting a bank loan isn't as hard as you think —— BlueBricks

https://www.bluebricks.com.my/fb-en-personal-loan-with-high-commitment-problems/

17/09/2026

Can You Apply for a Bank Loan Right After Leaving AKPK?

You can apply. That does not mean the bank will approve it, and it also does not mean this is the best time to apply.

Think of an AKPK termination letter as proof that says, "This chapter has ended." It shows that the debt management programme has ended. It is not a new pass that lets you walk straight into another loan. The bank will still look at your income, current debts, recent late payments and whether the information in the system has been updated.

Leaving AKPK closes the debt management programme. The bank still needs to check your income, debts, and payment record.

We had one real case involving an anonymous customer who had already left AKPK. His net income was RM5,532 a month. He wanted to deal with the debts he still had, and he also needed RM20,000 in cash for his current needs.

If we only looked at the words "already left AKPK", it might seem like the application could go in right away. Once the full file was opened, several issues were still there:

• Some related records were still waiting to be updated
• There were PTPTN arrears
• The balance on one credit card had to be brought down
• One personal loan also had to be dealt with

Getting the letter did not solve all these problems at once. Before the formal application, the case first dealt with about RM18,718:

• Credit card: RM7,543
• Personal loan: RM3,600
• PTPTN: RM7,575

The AKPK termination letter, several payment receipts and the related PTPTN documents were also kept. This gave the customer paperwork that could be checked at every step instead of leaving the process to memory or guesswork.

After these matters were handled, BlueBricks estimated that the highest possible application amount was RM120,000. The bank eventually approved RM100,000. That was RM20,000 less than the earlier estimate.

RM100,000 was the total amount approved by the bank, not the cash the customer received. Part of it still had to cover RM18,718 of debt, a consultancy fee of RM29,160, and the bank's related fees.

The records do not show the full bank fees or the final cash amount, so we will not guess. A consultant can prepare an estimate. The bank decides the final amount after checking the full file.

Why do the records still need time to update after someone leaves AKPK?

The bank sees the whole file. You can think of CCRIS as a record book showing the last 12 months of repayment history. If you clear an overdue amount today, a later update can show that the account has returned to normal. The months with earlier late payments do not all disappear on the same day.

PTPTN arrears may also affect how a bank looks at an application. The final decision still belongs to each bank. That is why this case involved more than leaving AKPK. The PTPTN issue also had to be handled, and the related records had to be checked after they were updated.

There is no single waiting period that fits everyone after leaving AKPK. Some people leave after the rest of their file has already been put in order. Others still have overdue payments, an old loan status that has not been updated, or an income that cannot carry another monthly payment yet.

Before applying, check these four things:

• Are all the AKPK termination documents complete?
• Have the balances and loan status in CCRIS been updated?
• Are there still arrears on PTPTN, credit cards or personal loans?
• After the current monthly payments are deducted, can the income still support a new loan?

These checks show whether the file is truly ready for another application.

This customer received an approval of RM100,000. That was the result for his case. Another person may have completely different issues and may not need to deal with the same debts first.

Leaving AKPK means you have completed an important step. Whether the next loan can move forward depends on what your full file looks like after you leave.

Getting a bank loan isn't as hard as you think —— BlueBricks

https://www.bluebricks.com.my/fb-en-personal-loan-with-high-commitment-problems/

14/09/2026

AKPK Is Free. Why Should I Come to You?

A customer once asked us:

"AKPK is free. If I already have debt problems, why should I pay to come to you?"

Let me give the direct answer first. If you already understand your situation and you are sure AKPK suits you, go directly to AKPK. You do not need to pay a loan adviser first for that.

AKPK provides free financial counselling and debt management help. It first looks at your situation. If you are eligible, it can help rearrange how you repay your existing debts. It does not lend you a new sum of money.

So why do some people still come to us first?

Many people are unsure about which path fits their situation. This is the question in their minds:

"Should I go to AKPK now, or is bank debt consolidation still something I can evaluate?"

These two paths deal with different situations. AKPK rearranges the repayment of existing debts. Bank debt consolidation requires a fresh application to a bank. A new loan is used to settle the old debts agreed in the plan, and the customer then follows a new interest rate, loan period, and monthly payment.

A loan adviser should help you work through the documents and numbers before you decide.

The adviser needs to look at your income documents, credit record, every debt, late payments, and monthly repayments. Comparing bank options only makes sense after confirming that a bank is still willing to assess the case and that the new monthly payment is affordable. If there is no suitable direction, the adviser should stop. A client should never be pushed into an application just so an adviser can collect a fee.

A clear proposal should answer at least four questions:

• About how much may the bank approve, and which old debts will be settled?
• How much will you pay each month after that, and for how many years?
• After the old debts and related fees are deducted, how much cash will be left in your hands?
• How much is the adviser's fee, and when will it be charged?

You cannot judge whether the fee is worth paying until these numbers are clear. Hearing only "we can help you" or "your monthly payment will go down" is not enough.

After reviewing everything, there are usually three possible answers.

First, the bank proposal can settle the old debts that need to be handled and gives the customer real room in the monthly budget. At that point, compare the new monthly payment, loan period, total interest, and adviser fee together.

Second, the bank may approve something, but the amount is too low or the monthly payment does not improve much. That proposal does not solve the problem, and the customer can choose not to accept it.

Third, the documents show that another bank loan application is no longer suitable. The adviser should say this clearly and suggest speaking to AKPK. The customer should not keep using new debt to cover old debt.

BlueBricks does not charge the same service fee for every customer because each file needs a different amount of work. Before the customer confirms a proposal, the service fee and SST are written down clearly. We do not collect an upfront fee. If the loan is not approved and disbursed, there is no service fee. After the bank disburses the money, the customer pays the amount agreed earlier.

When there is no suitable bank direction, the answer should still be clear: there is no suitable option. When this review does not lead to a loan, it can still help the customer avoid a path that does not fit their situation.

AKPK is free. That part is clear. The value of a loan adviser depends on whether the adviser can show where you stand, lay out the full bank proposal, and tell you to stop when the application is unsuitable.

If you already know AKPK suits you, go directly to AKPK. If you are still unsure which path to take, look at the numbers first. Then decide whether paying an adviser makes sense.

Getting a bank loan isn't as hard as you think —— BlueBricks

https://www.bluebricks.com.my/fb-en-personal-loan-with-high-commitment-problems/

12/09/2026

What's the Difference Between AKPK and Debt Consolidation?

Some people struggle with debt payments every month. When they start looking for help, they often see two choices: AKPK and bank debt consolidation.

Then they ask:

"Both deal with debt. What is the difference?"

Here is the simplest explanation. AKPK helps you rearrange how you repay your existing debts. Bank debt consolidation uses a new loan to pay off the old debts included in the plan. After that, you repay the new loan.

Imagine there are 4 credit card bills and 1 personal loan bill on your table. AKPK helps you rearrange how those 5 debts are repaid. With bank debt consolidation, a new bank uses a new loan to deal with those 5 old debts. In the end, the main bill left on the table is the new loan.

A set of simple numbers makes this easier to understand. The amounts below only explain how the two methods work. They do not mean a bank will approve the same amount or monthly payment.

Imagine someone earns RM7,500 a month. He has 4 credit cards with a total balance of RM100,000. He also has a personal loan of RM30,000. The 5 debts add up to RM130,000, and he pays RM6,000 every month.

His salary of RM7,500 comes in. The bank payments take RM6,000 first, leaving RM1,500. Food, transport, utilities, and family costs have not even been counted. There is already very little room left each month.

If he goes to AKPK, AKPK first looks at his income, living costs, and existing debts. If he is eligible, AKPK can help rearrange the repayment of those existing debts so that he continues paying under a new plan.

There is no application for a new bank loan in this process. The RM130,000 debt does not disappear. The money is still owed to the original banks, while the repayment plan is rearranged. AKPK does not give him extra cash. The aim is to make the monthly repayment more manageable. The related counselling and debt management help are free.

Joining AKPK's Debt Management Programme also comes with limits.

While the plan is still running, getting a new credit card, personal loan, car loan, or home loan from a bank is usually very difficult. Existing credit cards may also no longer be available for use. He needs to follow the new plan and pay on time every month. The focus is on dealing with the old debts without adding new ones.

Some people also worry that joining AKPK means bankruptcy or that they cannot travel overseas. That is not correct. Joining AKPK does not make a person bankrupt or stop that person from travelling overseas. A person who has been declared bankrupt by a court usually needs permission before leaving Malaysia. AKPK's Debt Management Programme and bankruptcy are two different things.

Now look at bank debt consolidation.

The new bank will assess his income, debts, and payment record again. Suppose the bank approves RM150,000. The RM130,000 of old debts listed in the plan will be paid off first. If the approved package allows it, the balance can then go to the customer.

The bank will not hand the full RM150,000 to him. The 4 credit cards and the old personal loan listed in the plan will be settled first. Only the remaining RM20,000 may become cash. If there are bank charges or other agreed fees, the final amount in his hands will be lower. The actual amount depends on the approved package and documents.

After the debts are settled, he no longer pays the original 5 debts separately. His main payment is now for the new RM150,000 loan. The interest rate, loan period, and monthly payment all follow the new package.

Imagine the new monthly payment is RM2,500. He used to pay RM6,000 each month. After consolidation, his main monthly payment is RM2,500. That gives him RM3,500 more room each month for living costs.

The biggest differences can be summed up like this:

• AKPK: It rearranges existing debts. There is no new loan and no extra cash. While the plan is running, getting new loans and credit cards is usually very difficult.

• Bank debt consolidation: You apply for a new loan to settle old debts. You then mainly repay the new loan. There may be some cash left after settling the old debts and fees.

So which one should you choose?

If the current repayments have become very hard to continue and applying for a new loan is no longer suitable, you can speak to AKPK directly. If your income, payment record, and debts can still meet a bank's rules, you can also consider bank debt consolidation.

A bank's approval alone does not make the package suitable. You still need to check whether it settles the debts that should be handled, how much the new monthly payment is, how many years you must pay, the total amount you will repay, and how much cash will really reach your hands. A lower monthly payment can come with a longer loan period, which may lead to a higher total amount paid.

An AKPK plan also needs to be understood clearly. Check the monthly payment, how long the plan runs, and which debts are included.

The first question should be what you need right now. Do you need to rearrange the way your existing debts are repaid? Or do you need to apply for a new bank loan and bring several old debts into one?

Both methods deal with debt. They work in very different ways.

Getting a bank loan isn't as hard as you think —— BlueBricks

https://www.bluebricks.com.my/fb-en-personal-loan-with-high-commitment-problems/

BlueBricks Loan Agency

28/09/2026

26/09/2026

24/09/2026

21/09/2026

19/09/2026

17/09/2026

14/09/2026

12/09/2026

Address

Opening Hours

Telephone

Website

Alerts

Shortcuts

Share

Category

Listing takedown request

Monday	09:30 - 17:30
Tuesday	09:30 - 17:30
Wednesday	09:30 - 17:30
Thursday	09:30 - 17:30
Friday	09:30 - 17:30