{"id":469,"date":"2024-02-08T00:00:25","date_gmt":"2024-02-08T00:00:25","guid":{"rendered":"https:\/\/bikebear.directlending.com.my\/?p=469"},"modified":"2024-04-16T08:59:04","modified_gmt":"2024-04-16T08:59:04","slug":"info-cara-clearkan-ctos-dan-ccris","status":"publish","type":"post","link":"https:\/\/www.directlending.com.my\/ms\/blog\/info-cara-clearkan-ctos-dan-ccris\/","title":{"rendered":"[INFOGRAFIK] 8 Cara Clearkan CTOS &#038; CCRIS"},"content":{"rendered":"<p>Jika anda mempunyai masalah \u2018blacklist\u2019 dengan bank, dan mencari cara clearkan CTOS dan CCRIS, anda berada di tempat yang betul. Sekiranya anda berhadapan dengan masalah ini, jangan risau masih ada jalan untuk bersihkannya. Kami akan jelaskan di artikel ini, pastikan anda baca sampai habis untuk tahu cara clearkan CTOS dan CCRIS.<br \/>\n<br \/>Salah satu <a href=\"\/ms\/blog\/7-cara-untuk-membersihkan-rekod-negatif-ccris-anda?utm_source=blog&amp;utm_medium=blog&amp;utm_campaign=click&amp;utm_term=bl&amp;utm_content=info-clear-ctosccris21\" target=\"_blank\" rel=\"noopener\">cara clear CCRIS<\/a> dan rekod negatif CTOS adalah dengan membuat penyatuan hutang. Penyatuan hutang adalah satu cara untuk menghimpunkan pelbagai hutang yang ada ke dalam satu <a href=\"?utm_source=blog&amp;utm_medium=blog&amp;utm_campaign=click&amp;utm_term=bl&amp;utm_content=info-clear-ctosccris21\" target=\"_blank\" rel=\"noopener\">pinjaman peribadi<\/a> baru.\u00a0Bagi mereka yang mempunyai kadar hutang yang tinggi, tindakan ini bertindak sebagai cara untuk selesaikan hutang tertunggak sekaligus clearkan rekod negatif CTOS dan CCRIS anda.<br \/>\n<br \/>Ramai yang ingat kalau ada masalah CCRIS dan CTOS, anda tak layak untuk buat pinjaman kerana telah disenarai hitamkan (blacklisted). Tapi sebenarnya itu bukanlah punca utamanya. Sekiranya rekod kredit anda kurang cantik, mungkin agak susah untuk anda dapat kelulusan pinjaman bank komersial yang dimohon, namun ada pembiayaan yang sah dan selamat seperti <a href=\"\/ms\/blog\/pinjaman-peribadi-koperasi-ccris-ctos-akpk\" target=\"_blank\" rel=\"noopener\">pinjaman peribadi bank &amp; koperasi<\/a> \u00a0untuk bantu cantikkan rekod negatif tersebut.<br \/>\n<br \/>Apa yang dimaksudkan dengan rekod kredit kurang cantik? Sebagai contoh, jika anda:<\/p>\n<p>    Mempunyai tunggakan dengan mana-mana pinjaman dalam setiap institusi kewangan di Malaysia (ini termasuk semua bank dan institusi kewangan bukan bank seperti AEON Credit atau PTPTN).<br \/>\n<br \/>    Termasuk dalam senarai di bawah \u2018Special Attention Account\u2019 (SAA) atau pinjaman di bawah pemerhatian bank.<br \/>\n<br \/>    Anda dikenakan tindakan undang-undang (eg. diisytiharkan <a href=\"\/ms\/blog\/muflis-tips-elak-cara-untuk-bebas\" target=\"_blank\" rel=\"noopener\">muflis<\/a>) yang diambil oleh bank sebab komitmen pinjaman tidak berbayar.<\/p>\n<p>Oleh itu, penting untuk anda kekalkan rekod CTOS dan CCRIS yang baik sebagai kelebihan dalam memohon pinjaman dengan mana-mana institusi kewangan di Malaysia. Rekod kredit CCRIS dan CTOS anda akan digunakan oleh institusi kewangan untuk melihat corak pembayaran balik hutang anda sewaktu anda memohon kemudahan kredit seperti kad kredit, pinjaman peribadi daripada <a href=\"\/pinjaman-peribadi-wang-berlesen?utm_source=blog&amp;utm_medium=blog&amp;utm_campaign=click&amp;utm_term=bl&amp;utm_content=info-clear-ctosccris21\" target=\"_blank\" rel=\"noopener\">pinjaman wang berlesen<\/a>, pinjaman perumahan, pinjaman kereta, dan lain-lain.<br \/>\n<br \/>Corak pembayaran balik hutang anda akan membantu bank untuk tentukan sama ada untuk meluluskan atau \u2018reject\u2019 pinjaman, kadar faedah, tempoh pinjaman, jumlah amaun pinjaman dan sebagainya. Sekiranya anda membayar hutang anda tepat pada masanya, selalunya tiada masalah untuk bank luluskan pinjaman anda. Jika tidak, jom ketahui cara clearkan CTOS anda CCRIS anda dengan 8 cara ini.<br \/>\n<\/p>\n<h2>8 Cara Clearkan CTOS dan CCRIS<\/h2>\n<p><img decoding=\"async\" src=\"\/wp-content\/uploads\/2023\/06\/A-Infographic-BLOG-3-410x1024.png.webp\" alt=\"\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2023\/06\/A-Infographic-BLOG-3-410x1024.png.webp\" alt=\"\" \/><br \/>\n<br \/>Cara Clearkan CTOS dan CCRIS<br \/>\n<br \/>Ringkasan:<br \/>\n<br \/>1. Buat penyatuan hutang &amp; auto debit<br \/>\n<br \/>Gabungkan semua hutang anda dengan\u00a0penyatuan hutang\u00a0agar anda boleh fokus bayar satu ansuran. Tetapkan pembayaran ansuran bulanan secara automatik untuk pastikan anda disiplin bayar ansuran bulanan tepat pada masanya.<br \/>\n<br \/>2. Selesaikan pinjaman tertunggak dulu<br \/>\n<br \/>Anda perlu fokus untuk jelaskan pinjaman tertunggak anda terlebih dahulu dan jadikannya sebagai keutamaan, barulah rekod anda akan jadi lebih cantik. Cuba kurangkan perbelanjaan yang kurang penting seperti kehendak anda. Contoh seperti beli kopi mahal, gajet terbaru, pakaian branded dan lain-lain.<br \/>\n<br \/>3. Jana income tambahan<br \/>\n<br \/>Anda juga boleh\u00a0jana pendapatan tambahan\u00a0terutamanya selepas waktu kerja atau hujung minggu sebagai satu cara clearkan CTOS dan CCRIS anda. Gunakan pendapatan ini untuk bantu jelaskan hutang.<br \/>\n<br \/>4. Buat pembiayaan semula hutang kad kredit<br \/>\n<br \/>Anda boleh pilih untuk buat pembiayaan semula. Misalnya untuk settlekan hutang kad kredit dengan mencari pinjaman peribadi berkadar rendah. Pinjaman baru tersebut boleh bantu anda rendahkan ansuran bulanan anda.<br \/>\n<br \/>5. Mohon pinjaman peribadi untuk hutang mahal<br \/>\n<br \/>Sekiranya anda adalah seorang penjawat awam, anda masih layak untuk mohon pinjaman koperasi yang menerima peminjam yang ada rekod negatif CCRIS atau CTOS. Pinjaman koperasi juga adalah satu alternatif untuk bantu anda tutup (overlap) hutang sedia ada.<br \/>\n<br \/>6. Pilih pinjaman peribadi online cepat dan selamat<br \/>\n<br \/>Jika anda seorang penjawat swasta pula, anda boleh mohon pinjaman peribadi untuk bayar amaun hutang tertunggak yang kecil. Anda perlulah cari pemberi pinjaman yang sah dan boleh terima pemohon dengan rekod CCRIS, seperti pinjaman wang berlesen.<br \/>\n<br \/>7. Buat penjadualan semula<br \/>\n<br \/>Jika anda rasa tidak mampu untuk tampung bayaran balik bulanan, anda boleh berbincang dengan pihak bank untuk buat penjadualan semula. Cara ini mungkin dapat membantu untuk clearkan CTOS dan CCRIS anda.<br \/>\n<br \/>8. Amalkan disiplin<br \/>\n<br \/>Akhir sekali, jika anda berjaya ikut cara-cara di atas, pastikan anda amalkan disiplin untuk buat bayaran tanpa ada kelewatan. Jangan lupa pantau rekod CTOS dan CCRIS anda dari masa ke masa.<br \/>\n<\/p>\n<h2>Video: Cara Download Laporan CCRIS Online<\/h2>\n<p>    Tonton video untuk semak cara download report CCRIS online.<\/p>\n<p>Infografik ini disediakan oleh\u00a0Direct Lending\u00a0\u2013 satu platform pinjaman peribadi bank &amp; koperasi yang boleh membantu anda cari, banding dan mohon pinjaman yang bersesuaian dengan keperluan anda.<br \/>\n<br \/>Sekiranya anda ada masalah CCRIS, CTOS, SAA atau AKPK, anda masih berpeluang untuk mohon pinjaman koperasi di platform Direct Lending.\u00a0Semak kelayakan anda secara percuma, tiada caj pendahuluan atau caj pemprosesan.<\/p>\n<p><a class=\"button  button_size_2\" href=\"\"         title=\"\"><span class=\"button_label\">Button<\/span><\/a>\n<br \/>\n<br \/>(Artikel ini pada asalnya diterbitkan pada 24 Mac 2021 dan dikemas kini pada 31 Mei 2022).<\/p>\n<p>hide<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Jika anda mempunyai masalah \u2018blacklist\u2019 dengan bank, dan mencari cara clearkan CTOS dan CCRIS, anda berada di tempat yang betul.<\/p>\n","protected":false},"author":10,"featured_media":5011,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[65,229,101,99],"tags":[],"class_list":["post-469","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-ms","category-blog-ms-2","category-pengurusan-hutang","category-pengurusan-kewangan"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.1 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>[INFOGRAFIK] 8 Cara Clearkan CTOS &amp; CCRIS<\/title>\n<meta name=\"description\" content=\"Ada masalah &#039;blacklist&#039; dan tidak dapat mohon pinjaman? 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Infografik ini akan kongsikan 8 cara clearkan ctos dan ccris anda.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.directlending.com.my\/ms\/blog\/info-cara-clearkan-ctos-dan-ccris\/\" \/>\n<meta property=\"og:site_name\" content=\"Direct Lending\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/DirectlendingMy\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-02-08T00:00:25+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-04-16T08:59:04+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.directlending.com.my\/wp-content\/uploads\/2023\/03\/cara-clearkan-ctos-ccris.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1350\" \/>\n\t<meta property=\"og:image:height\" content=\"650\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Mandy\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@directlendingmy\" \/>\n<meta name=\"twitter:site\" content=\"@directlendingmy\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mandy\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minit\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.directlending.com.my\\\/ms\\\/blog\\\/info-cara-clearkan-ctos-dan-ccris\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.directlending.com.my\\\/ms\\\/blog\\\/info-cara-clearkan-ctos-dan-ccris\\\/\"},\"author\":{\"name\":\"Mandy\",\"@id\":\"https:\\\/\\\/www.directlending.com.my\\\/#\\\/schema\\\/person\\\/4e25b7aff0c366c16f73f3fb45d3bf51\"},\"headline\":\"[INFOGRAFIK] 8 Cara Clearkan CTOS &#038; CCRIS\",\"datePublished\":\"2024-02-08T00:00:25+00:00\",\"dateModified\":\"2024-04-16T08:59:04+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.directlending.com.my\\\/ms\\\/blog\\\/info-cara-clearkan-ctos-dan-ccris\\\/\"},\"wordCount\":774,\"commentCount\":14,\"publisher\":{\"@id\":\"https:\\\/\\\/www.directlending.com.my\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.directlending.com.my\\\/ms\\\/blog\\\/info-cara-clearkan-ctos-dan-ccris\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.directlending.com.my\\\/wp-content\\\/uploads\\\/2023\\\/03\\\/cara-clearkan-ctos-ccris.png\",\"articleSection\":[\"Blog\",\"Blog\",\"Pengurusan Hutang\",\"Pengurusan Kewangan\"],\"inLanguage\":\"ms-MY\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.directlending.com.my\\\/ms\\\/blog\\\/info-cara-clearkan-ctos-dan-ccris\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.directlending.com.my\\\/ms\\\/blog\\\/info-cara-clearkan-ctos-dan-ccris\\\/\",\"url\":\"https:\\\/\\\/www.directlending.com.my\\\/ms\\\/blog\\\/info-cara-clearkan-ctos-dan-ccris\\\/\",\"name\":\"[INFOGRAFIK] 8 Cara Clearkan CTOS & CCRIS\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.directlending.com.my\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.directlending.com.my\\\/ms\\\/blog\\\/info-cara-clearkan-ctos-dan-ccris\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.directlending.com.my\\\/ms\\\/blog\\\/info-cara-clearkan-ctos-dan-ccris\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.directlending.com.my\\\/wp-content\\\/uploads\\\/2023\\\/03\\\/cara-clearkan-ctos-ccris.png\",\"datePublished\":\"2024-02-08T00:00:25+00:00\",\"dateModified\":\"2024-04-16T08:59:04+00:00\",\"description\":\"Ada masalah 'blacklist' dan tidak dapat mohon pinjaman? 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