{"id":1131,"date":"2024-04-01T00:00:02","date_gmt":"2024-04-01T00:00:02","guid":{"rendered":"https:\/\/bikebear.directlending.com.my\/?p=1131"},"modified":"2024-04-17T06:27:19","modified_gmt":"2024-04-17T06:27:19","slug":"infografik-apakah-perbezaan-ccris-ctos","status":"publish","type":"post","link":"https:\/\/www.directlending.com.my\/ms\/blog\/infografik-apakah-perbezaan-ccris-ctos\/","title":{"rendered":"[INFOGRAFIK] CCRIS dan CTOS: 4 Perbezaan Utama"},"content":{"rendered":"

Kita sering kali didedahkan dengan istilah CCRIS dan CTOS ketika pengurusan permohonan pembiayaan serta pinjaman. Namun begitu, adakah kita maklum perbezaan antara kedua-dua laporan kredit ini?\u00a0 Dalam artikel kali ini, kami akan terangkan secara ringkas apa itu CCRIS dan CTOS<\/a> dan maklumat penting yang terdapat dalam kedua-dua laporan tersebut.
\n<\/p>\n

Maksud CCRIS<\/h2>\n

Central Credit Reporting System atau CCRIS<\/a> adalah laporan kredit yang dikeluarkan oleh Biro Kredit, Bank Negara Malaysia (BNM). Laporan CCRIS berperanan untuk menunjukkan corak pembiayaan kita selama 12 bulan hasil maklumat yang disalurkan oleh institusi kewangan. Sistem bank untuk setiap invidu sudah bersepadu dengan sistem CCRIS dan secara automatik akan keluarkan laporan kredit setiap individu semasa dalam proses memohon pinjaman. Oleh itu, segala maklumat berkaitan bayaran yang tertunggak, akaun dalam perhatian serta status permohonan pinjaman yang telah dibuat akan dilaporkan dalam CCRIS.
\n
Maklumat kredit ini boleh diberi kepada institusi kewangan (Bank) dan individu (atau pengarah syarikat) diri atas permintaan. Antara institusi kewangan yang mengambil bahagian dalam laporan CCRIS ini termasuklah semua bank perdagangan, bank-bank Islam, bank pelaburan, bank pembangunan, beberapa syarikat-syarikat insurans, sesetengah pengeluar instrumen pembayaran (seperti Buy Now Pay Later<\/a>) dan institusi pemulihan dikehendaki mengemukakan amalan kredit pelanggan mereka.
\n<\/p>\n

Maklumat Dalam Laporan CCRIS<\/h2>\n

Pinjaman terkumpul
\n
Rekod pembayaran hutang
\n
Akaun Perhatian Khas
\n
Sebarang pinjaman dengan penstrukturan semula<\/p>\n

Berapakah harga untuk laporan CCRIS?<\/h2>\n

Tiada caj yang dikenakan untuk laporan CCRIS. Ini 3 cara untuk dapatkannya:\u00a0<\/p>\n

BNM- Anda boleh pergi sendiri ke Ibu Pejabat BNM dan cawangan BNM.
\n
Surat \u2013 Melalui pos, emel atau faks kepada BNM TELELINK Bank Negara Malaysia.
\n
Permohonan Dalam Talian \u2013 Permohonan boleh dibuat di eCCRIS secara percuma<\/p>\n

Maksud CTOS<\/h2>\n

CTOS dikendalikan oleh syarikat swasta yang berdaftar dan bukanlah di bawah pentadbiran mana-mana badan kerajaan. CTOS Sdn Bhd ditubuhkan di bawah skop Akta Agensi Pelaporan Kredit 2010 (Credit Reporting Agencies Act 2010).\u00a0CTOS<\/a> atau Credit Tip-Off Service\u00a0 berperanan untuk mengumpul maklumat berkaitan kredit seperti status muflis, tindakan undang-undang serta status kes yang dibicarakan. Laporan ini juga menunjukkan pemilikan dan penglibatan seseorang individu dalam sebuah syarikat. Sesuai dengan peranannya, CTOS hanya mengumpul maklumat dan menyediakan laporan kredit seseorang individu untuk kegunaan institusi kewangan.
\n
CTOS mengumpul maklumat dalam laporan yang disediakan melalui sumber-sumber awam seperti yang berikut:<\/p>\n

Jabatan Pendaftaran Negara
\n
Jabatan Insolvensi Malaysia
\n
Suruhanjaya Syarikat Malaysia (SSM)
\n
Penerbitan prosiding undang-undang, makluman di akhbar, dan warta kerajaan
\n
Notis undang-undang dalam akhbar
\n
Carian di pendaftar pertubuhan
\n
Maklumat hubungan yang disediakan oleh pemiutang, litigator atau penyokong perdagangan
\n
Maklumat sukarela yang diberikan oleh subjek sendiri<\/p>\n

Melalui laporan CTOS itu, institusi kewangan boleh menganalisa dan mengira risiko yang akan dihadapi dalam meluluskan atau menolak permohonan pinjaman seseorang. Oleh itu, rekod CTOS hanya sebuah laporan kredit, bukan rekod blacklist\u00a0 yang sering jadi salah faham dalam kalangan rakyat Malaysia. Anda kena maklum CTOS\u00a0tidak berhak dan tidak pernah menyenaraihitamkan atau blacklist mana-mana individu. Ringkasnya, laporan CTOS mempunyai maklumat tambahan yang dapat menunjukkan situasi kredit seseorang samada positif atau negatif yang tidak dapat ditunjukkan dalam laporan CCRIS.
\n<\/p>\n

Maklumat Dalam Laporan CTOS<\/h2>\n

Sejarah kredit
\n
Kaedah dan cara perbelanjaan serta hutang berbaki yang ada
\n
Sebarang tindakan berkaitan dengan perihal undang-undang, pemilikan syarikat dan risiko yang ditanggung.<\/p>\n

Berapakah harga untuk laporan CTOS?<\/h2>\n

Anda boleh dapatkan di laporan MyCTOS<\/a> serendah RM25 di syarikat CTOS score, ataupun muat turun di MyCreditInfo<\/a> daripada experian serendah RM10.60.
\n<\/p>\n

4 Perbezaan Utama CCRIS dan CTOS<\/h2>\n

Kami juga sediakan infografik yang telah kami ringkaskan untuk memudahkan anda membuat perbandingan tentang apa Itu CCRIS dan CTOS.\u00a0\u00a0
\n
\"ccris\"ccris
\n
Infografik ini disediakan\u00a0oleh\u00a0Direct Lending<\/a>,\u00a0 platform digital yang membantu anda untuk cari, membuat perbandingan dan memohon pinjaman peribadi yang paling murah dan sesuai untuk anda. Sistem semakan kelayakan pintar kami boleh mencadangan pinjaman peribadi selamat dan patuh syariah daripada bank dan koperasi yang terbaik untuk anda. Perkhidmatan kami adalah 100% percuma.<\/p>\n

hide<\/p>\n","protected":false},"excerpt":{"rendered":"

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