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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/

27/08/2026

Not Everyone Struggling With Monthly Payments Should Borrow More

A client once asked us a very direct question:

"You help people with loans. Does that mean everyone who comes to you will be told to borrow again?"

No.

Some people can use a new bank loan to sort out several credit cards and personal loans. This can bring down the amount they need to pay each month.

For others, another loan only adds one more monthly payment to a life that is already very tight. Even if a bank is willing to approve it, the client still needs to decide whether taking it is a good idea.

To see whether a person should borrow again, first check what the new money will do. Will it replace the old debts, or will it sit on top of them? Let's use a set of simple teaching numbers.

Imagine someone earns RM9,000 a month. The credit cards, personal loans, and other payments add up to RM7,000 every month. After paying them, only RM2,000 is left for daily life.

The first plan will fully settle several old debts. After everything is done, the person will mainly pay one new loan at RM3,800 a month.

Before this, the person paid RM7,000 a month. After the plan, the main monthly payment is RM3,800. That frees up RM3,200 each month for living costs and an emergency fund. We still need to compare how many years the new loan lasts, the total interest, and all the fees. At least the monthly payment has really gone down.

This kind of plan can be considered further.

The second plan only gives the person some extra cash. None of the old RM7,000 monthly payments are closed. The new loan adds another RM1,200 each month.

RM7,000 + RM1,200 = RM8,200.

The person earns RM9,000 and has only RM800 left after paying the banks. The extra cash may make life easier for a few months. Once the cash runs out, every month becomes harder than before.

This plan should not be accepted just because the bank approved it.

These two examples also show something else. Some problems cannot be solved by one new loan. If a person's monthly income is already too low for both living costs and debt payments, there is a shortfall every month. A one-time amount of cash will run out. The same shortfall will return next month, together with one more payment date.

Income can also be unstable. Some people earn money, but do not have complete documents to prove all of it. The bank may only count the income it can see. Even if a loan is available, the client still needs to ask: can I afford the payment during a lower-income month?

Some people can slowly clear their debts within a few months. They see a lower monthly payment and want to replace everything with a new loan. A longer loan period may bring down the monthly payment, but the total interest and total amount paid may be higher. Someone who can handle the debt on their own and is willing to wait may not need a longer loan just to feel lighter today.

BlueBricks does not take every case. We have clear limits for the cases we handle.

We will not continue with a bank loan application if the client has an ongoing legal case or summons, has been declared bankrupt, or does not meet our current income requirement.

If the client is not in a hurry and can slowly handle the debts within 12 months, we will also suggest comparing the cost of doing it on their own. Another loan may cost more than waiting and clearing the debt step by step.

These are BlueBricks' current rules for deciding whether to take a case. They are not rules shared by every bank. This matters because "we cannot handle this case" and "nobody can help at all" mean two very different things.

So what can someone do if borrowing again is not suitable? The first thing is to stop making new applications for now. Applying to more banks will not change the original problem. The banks may also see more checks on the person's credit record.

The second thing is to contact the banks where the person already owes money and ask about any suitable payment arrangement. The first goal is to stop the current debt from getting further out of control. Adding another debt can wait.

The third thing is to ask AKPK about financial advice. AKPK was set up by Bank Negara Malaysia. It can help people understand their money problems, spending habits, and ability to repay. It also gives advice on monthly budgets and debt management.

Speaking to AKPK does not mean you must join a plan on the same day. There is already value in laying out your income, living costs, and debts so you can see your choices.

In the end, being able to borrow does not mean you should borrow. The bank decides whether to approve the loan. The client decides whether the loan will make the next few years easier.

If a new loan can properly settle the old debts, lower the monthly payments, and keep the total cost within an amount the client can accept, it can be a useful tool.

If the old debts stay open and a new monthly payment is added, the extra cash may only help for a few months. That is a reason to stop and think again.

A responsible check may give you one of three answers: you can apply now, you need to fix a few things first, or you should not borrow now.

The third answer may be hard to hear. It may also protect you from a debt that is even harder to repay.

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/

24/08/2026

After We Receive All Your Documents, We Don't Apply Right Away

After a client sends us the last bank statement, they often ask right away:

"I've sent all my documents. Can you apply for me now?"

It is normal to ask this. People waiting for a loan are usually in a hurry. Once all the documents are sent, they hope the application can go to the bank at once. Best of all, they hope to get an answer by tomorrow.

But after we receive all the documents, the first thing we do is not apply.

We use the documents to build a full picture of the client's situation. The application only goes to the bank after the plan is clear and the client agrees with it.

First, we check whether four sets of documents tell the same story. A loan application usually needs more than a payslip. We also need to look at the bank statement, EPF record, and CTOS or CCRIS record together.

These documents are like four different views of the same person. The payslip shows how much the company pays each month. The bank statement shows whether the money really goes into the account. The EPF record shows whether the income has been steady. CTOS and CCRIS show the person's loans, credit cards, and payment record.

Sometimes the payslip says RM8,000, but the amount going into the bank account is different each month. Sometimes a client says a loan has been fully paid, but it is still shown in CCRIS. Sometimes the person earns commission and allowances, but the documents do not show them clearly.

If these details do not match, every calculation after that can be wrong from the start.

Once the four sets of documents match, the second step is to work out the income and debt that the bank can really see. A client knows how much they earn and roughly how much they pay every month. The bank may use different numbers.

The bank may count some types of income. Other types may need more proof. For a credit card, we cannot look only at how much the client paid this month. We also need to look at the amount still owed and the bank's way of calculating it. Home loans, car loans, personal loans, small instalment plans, and other records also need to be included.

The team first needs to work out how much income the bank may accept, the client's total monthly payments, where the DSR stands, and what the client really wants to fix. Is the main problem the monthly payments, the old debts, or the need for some cash to use?

If we do not understand the real problem first, sending an application would be a guess.

After the numbers are clear, the third step is to see which bank may suit the case. We compare the client's details with the rules of 16 banks. Comparing 16 banks does not mean sending the application to all 16 banks on the same day.

Each bank looks at a customer's details differently. Some focus more on the employer. Some accept certain types of income. Some may be more suitable for debt consolidation. Some are stricter about credit cards or payment records. The same person may get a different amount, interest rate, loan period, and monthly payment from different banks.

The team first narrows down the banks that may suit the case, then checks with those banks. Sending the same case to many banks without a clear reason can create more application records. It may still bring the client no closer to approval.

Once we find a possible bank direction, the fourth step is to put the results into a plan the client can understand. A simple "can do" is not enough.

A complete plan should show the client how much the bank may be able to offer, the monthly payment, how many years they need to pay, which old debts will be settled, the service fee and other fees, and how much cash may be left in their hands.

If there are a few possible directions, we will prepare the more suitable options so the client can compare them. The biggest approved amount is only one part of the decision. The plan also needs to solve the client's current problem, with a monthly payment they can afford.

This is why the checking, calculation, bank confirmation, and plan preparation usually take 3 to 5 days after we receive all the documents. If something is missing, or the bank takes longer to reply, it may take more time.

The bank has not started reviewing the application during these 3 to 5 days. The aim is to help the client see the choices, understand the cost of each one, and know roughly what they may receive.

The documents only go to the bank after the client has read the plan, understood the process, and agreed to continue. The bank's processing time starts from that point. The bank still decides whether to approve the application and how much to approve.

For someone waiting for an answer, 3 to 5 days can feel very long. Those days are there for a reason. Without this work, the client may make plans using numbers that were never checked. The documents may also go to a bank that does not suit the case, and the client may have to hear another rejection.

After all the documents are sent, the most useful result should be more than "you can apply." It should be a plan you can understand: why this bank is chosen, how the old debts will be handled, how much you need to pay each month, and how much cash will be left in your hands.

Documents are not an application button. They help you see your choices clearly before you apply.

Seeing the road clearly before you move is usually more important than running fast from the start.

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/

22/08/2026

Same RM100,000 Loan. Why Is the Service Fee Different?

Some clients ask:

"My friend also got RM100,000 approved. Why is his service fee lower than mine? Don't you calculate the fee based on the loan amount?"

This is a fair question. If two people both get RM100,000, but one person's fee is much lower than the other's, anyone would want to know why.

BlueBricks does calculate the service fee based on the loan amount approved by the bank. But one more thing also affects the fee: can this case be sent to a bank directly, or must some debts be handled first before waiting for the records to update and applying?

In simple words, the fee depends on two things:

• How much the bank finally approves.
• What needs to be done before the case is ready to apply.

So even when the approved amount is the same, a different route can lead to a different service fee.

Let us start with the simpler case. Some people can apply directly.

We call this route Direct Submit.

After the client gives us all the documents, we check the income, debts, payment records and suitable banks. Then we prepare a plan showing the possible approval amount, monthly payment, loan period and cash in hand.

We only send the documents to the bank after the client understands and agrees with the plan.

With this route, the client does not need to clear a few debts before applying or wait for the credit records to update. If the bank approves the loan, the new loan will be used to handle the old debts based on the agreed plan.

Direct Submit still involves checking the documents, comparing banks, preparing the plan, sending the application and following up. But it does not include clearing debts before the application or waiting for the records to update. This means fewer steps and less time, so the fee is usually lower.

The other type of case takes a longer route. Some people need to clear a few debts before applying.

We call this route Settlement.

Some people have credit cards that are almost maxed out. Others have a debt or a record that is blocking the application. If the case is sent to a bank now, it will likely be rejected again. In this situation, the debts causing the problem may need to be found and handled one by one. The client must also get settlement letters and wait for CCRIS or CTOS to update.

After the records are updated, the team must check the bank direction again, prepare a new plan and then send the application. This full route often takes one to two months. The actual time depends on the debts being handled, when the records update and the bank.

Some Settlement plans also involve money that must be prepared before the application. Before starting, it should be clearly written down who will provide this money and what happens if the bank does not approve the loan. A simple line like "we will handle it for you" is not enough.

Settlement involves more work and takes more time, so its fee is usually much higher than Direct Submit. If more debts need to be handled first, the work and the fee may also increase.

It is normal for a client to feel that the fee is expensive. A more difficult process can explain why the fee is different, but it cannot be used to pressure the client to accept it.

The difference becomes clearer when we compare these two routes.

The first person can apply directly. Once the documents are ready, the case can be sent to the bank.

The second person must first handle a few debts, prepare settlement letters, wait for the records to update, and then check and apply again. This person may also get RM100,000 approved in the end, but the earlier steps, time and risks are different.

Even two people who both use Settlement may pay different fees. One person may only need to handle one debt. Another may need to handle four credit cards and one personal loan. The amount of work will not be the same.

This is why the service fee cannot be based only on the final loan amount. It also depends on how much work is needed before applying and how long the route will take.

The fee should already be clear before the client agrees to the plan. There is no reason to wait until the bank approves the loan.

Before the client agrees, the approved amount, service fee, SST, old debts that must be cleared, new monthly payment and final cash in hand should all be calculated clearly.

BlueBricks does not collect an upfront fee. If the loan is not approved and the bank does not release the money, there is no service fee. The final amount will be written clearly before the client agrees to the plan, so the client can understand it first and then decide whether to continue.

The service fee agreed by the client will be written as one amount. It includes all the handling work that was agreed on. Another Settlement fee will not suddenly appear halfway through the process. SST, which is service tax, will be listed separately. Any bank charges will follow the bank's official documents.

Still, having a reason for the fee does not mean the plan is worth doing.

Settlement involves more work, so the fee is higher. But saying "the process is more difficult" does not automatically prove that the plan is worth accepting.

The final decision should come back to what the client will really get: how much old debt will be cleared, how much the monthly payment will drop, how much cash will be left after everything is deducted, and how long the new loan will take to repay.

If the fee is paid but the monthly payment does not improve much, the old debts are not fully handled, and the cash in hand is still not enough, the plan may not be worth doing even if every fee is fully explained.

Two people can both get RM100,000 approved and still pay different fees because their routes may be completely different.

A fee should not be used to make an unsuitable plan look reasonable. The plan must truly help you before the service fee has meaning.

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/

20/08/2026

The Loan Result Wasn't Out Yet, but the Client Gave Us 5 Stars

A few days ago, I saw a comment on Google Review.

At first, I thought it was another client whose loan had already been handled. Then I read the second sentence. This client had only applied recently and did not even know whether the bank would approve the loan.

The client wrote in Malay. Google translated the full review into English:

"(Translated by Google) I just applied for a personal loan under this agency a while ago..even though I still don't know my decision, but I still give them 5 stars because of their very polite customer service attitude and manners and understand the difficult situation I am facing and try my best to help me..that is enough to satisfy me to give them 5 stars because they have professional employees and very high values as Malaysians..I hope they can give me a little hope later..but if it fails, I understand and will still try to get up in other ways to solve my problem..whatever the decision, you have done your best and continue to help people like me..👍👍👍"

We do not see reviews like this very often. Most people wait until they have a result. The loan is approved, the problem is handled, and then they come back to give 5 stars. That is normal.

This client was willing to leave a review while the result was still unknown.

At that time, nobody knew whether the bank would approve the loan. But the client could already feel whether someone was taking the case seriously.

It made me think about the weight many people already carry when they ask about a loan. They may have just been rejected by a bank. A few credit cards may be close to their limits. Or after paying all their loans each month, they may have very little money left for daily life.

Telling a stranger about all this is already hard. They worry that there may be no way out. They may also worry that the other person will look down on them, rush to collect their documents without listening, or say, "Can, confirm approve," just to keep them in the process.

The bank decides whether to approve the loan and how much to approve. A loan agency is responsible for explaining what can be seen now: why your case is hard to apply for, what choices you have, what each choice may cost you, and which answers are still unknown.

Before the result is out, you can still watch how the other person handles your case. Did they listen to your full story? Did they explain the plan in a way you could understand? When something could not be confirmed, did they tell you clearly that it was still unknown?

I will remember this review because there was no nice result yet. In fact, there was no result at all.

The client could not write about an approved amount or a success story. What they wrote about was the feeling of being understood at a time when they felt unsure about everything.

Of course, I hope this application gets a good result. But this review also reminded us that service should begin before a loan is approved.

The bank will answer whether the loan can be approved. Before that answer comes, how we treat someone who is asking for help is something we can decide ourselves.

The client's 5 stars were for this part of the process, when there was still no answer.

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/

17/08/2026

Why Can Some People Apply Right Away, While Others Must Clear Debt First?

When clients hear that they need to clear one debt first, many of them ask:

"My friend's DSR is also high, but he can apply directly. Why do I need to clear some credit card debt first and wait?"

This is a fair question.

DSR shows how much of your income goes towards debt payments every month. Each bank calculates it a little differently, so there is no single number that counts as "high" for every bank. If two people both have a high DSR, it only tells us that debt payments take up a large part of their income. Whether they can apply right away also depends on their income documents, credit cards, payment records and other loan applications.

We usually split the process into two routes:

• If the documents can be sent to a bank now, we call it Direct Submit.
• If a debt must be cleared first and the record must be updated before applying, we call it Settlement.

Direct Submit means you do not need to use a large amount of money to clear a debt before applying. If the bank approves the new loan, that loan will then be used to clear the old debts included in the plan.

Why would two people need different routes? Let us compare two cases. The bank counts about the same income and monthly debt payments for both people. Their DSR is also high.

The first person has no recent late payments. His credit cards are not close to their limits, and his income documents are complete. After checking his case, we find a suitable bank that he can try. If the bank approves the loan, the new loan will first be used to clear the old debts included in the plan.

He can use Direct Submit.

The second person's DSR looks about the same. But a few of his credit cards are almost maxed out, he has recent late payments, and he also has other loan applications in progress.

If these records are still there and he applies again now, even applying to several banks at the same time may lead to the same result: rejection. Every bank will see the same profile that has not been fixed yet.

So he may need to clear one or two debts first, wait for the records to update, and then check again to see which bank may suit his case.

Let us first look at Direct Submit. With this route, the client does not need to use a large amount of money to clear debts before applying. We only send the application after checking the income documents, credit cards and payment records, and finding a bank that may suit the case. Being able to apply does not mean the bank will approve it.

After we receive all the documents, we first check which bank may be suitable. We also prepare a plan showing the possible approval amount, monthly payment and loan period. This usually takes 3 to 5 days. We only send the documents to the bank after the client understands and agrees with the plan.

Once the documents are sent to the bank, it usually takes another 3 to 7 working days to get a result. Some banks may take longer. The first 3 to 5 days used to prepare the plan are counted separately. The bank still makes the final decision on whether to approve the loan and how much to approve.

If the bank approves the loan, the new loan will first clear the old debts included in the plan. If there is money left after that, the remaining amount after related fees is the cash the client will receive. The client will then repay the full new loan.

The second route is to clear some debt before applying. This route has a few more steps.

First, find the issue that is blocking the application. It may be a credit card that is almost maxed out, recent late payments, small instalment plans or other records.

After finding the issue, clear the debt that needs to be handled and get a settlement letter. Then wait for CCRIS to update. CCRIS is the loan record that banks can see. It is usually updated once a month, so clearing a debt today does not mean the record will change tomorrow.

After the record is updated, we check the case again to see which bank may now be suitable.

From the day the debt is fully cleared, the person still needs to wait for the record to update, apply again and wait for the bank's result. This full route often takes 1 to 2 months. If more time is needed to prepare the money at the start, the whole process will take longer.

The clearest source of money for clearing the debt first is your own savings or help from your family. Do not assume that the consultant or company will always provide this money.

If someone offers another arrangement, ask clearly: who is providing the money, what fees will be charged, and how the money must be repaid if the bank does not approve the loan.

If you use your own money, the old debt will become smaller or be fully cleared, but that cash has already been used. If the later loan is not approved, the money will not return to your bank account by itself.

Even after clearing that debt, the bank may still reject the loan. You have only fixed one issue, and the bank will still look at your full profile.

Many people will ask: why not send the application to a few banks first and try? Because every bank will still see the same profile that has not been fixed. Credit cards that are almost maxed out and late payment records will not improve just because you apply to more banks. Each new application also adds another enquiry to your record, which may make later applications harder.

Before deciding how to apply, check these points:

• How much do you owe on all your credit cards, and how close are they to their limits?
• Have you had any late payments in the past twelve months?
• Do you have any other loan applications in progress now?
• How much income can the bank see in your documents?
• Do you have the time and money to clear a debt first?

There is also a third answer: do not apply yet. Some people do not have a suitable bank to apply to now. Even if they clear one or two debts first, the other problems will still be there. In this situation, they should stop and wait.

Not everyone can choose one of the first two routes. If the person's income, debt or payment record has not improved, forcing an application through will not change the result.

Whichever route you take, protect yourself before clearing any debt. If someone tells you to clear a debt before applying, do not rush to pay. Do not quickly move to another company and apply again only because you are afraid of rejection.

Ask the person to use your documents and explain everything clearly: which debt is blocking the application, why clearing it may help, who will prepare the money, how long you need to wait, and what happens to the money and fees if the bank does not approve the loan.

If these points cannot be explained clearly, you should not pay first.

Two people can both have a high DSR and still need different routes. One person may be able to apply now. Another may need to clear some debt first. Someone else may need to stop and wait.

The route can be fast or slow. But before you begin, you should understand why each step is needed, who will carry the cost, and what the worst result could be.

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/

15/08/2026

A Lower Monthly Payment Doesn't Always Mean You Pay Less in Total

When many clients look at a loan plan, the first thing they look for is the monthly payment.

"This one is only RM1,650 a month. The other one is RM2,650. Of course the RM1,650 plan saves more money lah."

Do not decide too quickly.

Paying RM1,000 less each month can make life much easier. But paying less each month and paying less in total are two different things.

The monthly payment only tells you how much you need to pay this month. To know how much you will pay the bank in total, you also need to look at how many months you will be paying.

Why does this matter? Because the monthly payment is only one small part of the full bill. Think of a loan as one big bill. If you pay it over 5 years, you split it into 60 parts. If you pay it over 10 years, you split it into 120 parts. The more parts you split it into, the smaller each part becomes. But when you add all the parts together, the full bill may be bigger.

Let us use a simple example. We want to look only at the difference caused by the loan period, so we will assume both plans use the same way to calculate interest. These are only teaching numbers. They are not real bank offers.

Let us say you borrow the same RM120,000 and have two plans.

First, look at Plan A:

• Monthly payment: RM2,650
• Loan period: 5 years, or 60 months
• RM2,650 × 60 = RM159,000 in total
• Total interest: RM159,000 - RM120,000 = RM39,000

Now look at Plan B:

• Monthly payment: RM1,650
• Loan period: 10 years, or 120 months
• RM1,650 × 120 = RM198,000 in total
• Total interest: RM198,000 - RM120,000 = RM78,000

If you only look at the monthly payment, Plan B is RM1,000 lower each month. It looks much easier.

But after adding up all the months, you will see that Plan B takes 5 more years to finish. You also pay RM39,000 more in total.

**RM198,000 - RM159,000 = RM39,000**

Both plans lend you RM120,000 and use the same way to calculate interest. Plan A has RM39,000 in total interest. Plan B has RM78,000. You pay Plan B for 5 more years, so interest is also charged for 5 more years.

This means paying RM1,000 less each month costs you RM39,000 more in interest by the end. That is why a lower monthly payment does not always mean a lower total.

At this point, you may ask: does that mean I should always choose the shorter plan? The answer is no.

If debt already takes most of someone's salary, an extra RM1,000 each month may stop them from using a credit card to buy groceries. It may also help them pay bills on time and keep some money for their children or an emergency.

For this person, choosing a longer loan period is not about getting a better deal. It is about getting back some room to live each month.

But if the person can afford RM2,650 and still has enough money for daily life and emergencies, the 5-year plan may help them finish earlier and pay less in total.

So the main question is not whether a shorter plan is always better or whether the lowest monthly payment is always better. The main question is: what problem do you need to solve now?

There are three situations where you need to be extra careful.

First, the monthly payment only drops a little, but the loan becomes many years longer. The monthly difference may look small, while the total payment can become much bigger.

Second, the new loan does not fully clear all the old debts included in the plan. The old debts stay, the new loan starts, and your total monthly payments may become even heavier.

Third, the loan amount keeps getting higher because you want more cash on hand, but you do not have a clear plan for that money. Every extra ringgit you take will have to be paid back with interest.

In the end, you are trading one thing for another. In this example, Plan B saves RM1,000 each month, but you pay for 5 more years and spend RM39,000 more on interest.

If that RM1,000 stops you from using credit cards for daily life and gives you some emergency money, the higher total cost may be worth it. But if you can already afford RM2,650, stretching the loan to 10 years only makes the monthly payment look nicer. You will pay more in the end.

There is no single loan period that suits everyone. You are paying a higher total cost to get a lighter monthly payment.

Before you decide, ask yourself: do I need more room every month right now, or do I want to finish the loan earlier and pay less interest?

When you know what you are trading, you will not mistake a lower monthly payment for a cheaper loan.

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/

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Tuesday	09:30 - 17:30
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