Your Questions, Answered

At Mplus Marketing, we believe in complete transparency. We’ve compiled the most common questions our clients ask about our services, processes, and results. If you don’t see your specific question answered below, please don’t hesitate to contact us directly for a personalized response.

General Service Questions

About Our Consultation Services

How does your "no upfront fees" policy work?

You only pay our consultation fee after your loan is successfully approved. If we don’t secure your loan approval, you don’t pay us anything—it’s that simple. This policy aligns our success directly with yours and demonstrates our confidence in our ability to secure approvals.

What types of loans and financial services do you offer?

We specialize in three main areas:

  • Home Loan & Mortgage Services (refinancing, new purchases, Islamic financing)
  • Personal Loan Services (fast approvals, loan restructuring, interest rate negotiation)
  • Debt Consolidation Services (debt management, credit card restructuring, AKPK assistance)

Our consultants work with all major Malaysian banks and financial institutions to find the best solution for your specific needs.

How are you different from other loan consultants?

Unlike most consultants, we:
  • Charge no upfront fees—you only pay after successful approval
  • Maintain direct relationships with all major Malaysian banks
  • Specialize in securing approvals for previously rejected applications
  • Provide comprehensive services from application to approval
  • Have an 87% approval success rate across all loan types

Do you guarantee loan approval?

While we cannot offer absolute guarantees due to varying bank policies and individual financial situations, our 87% approval success rate demonstrates our effectiveness. We carefully assess each case before proceeding and only take on clients we believe we can help. If we determine that approval is unlikely, we’ll advise you honestly rather than wasting your time.

What areas in Malaysia do you serve?

We serve clients across all major Malaysian cities and regions, including Kuala Lumpur, Selangor, Penang, Johor, Ipoh, and Sarawak. Our consultants can work with you remotely via phone, WhatsApp, and email, or in person at our offices in Kuala Lumpur, Penang, and Johor Bahru.

General Service Questions

Mortgage and Refinancing Services

How much can I typically save through mortgage refinancing?

Most clients reduce their interest rates by 0.5% to 1.5%, which can translate to savings of hundreds or thousands of ringgit monthly. For example, on a RM500,000 loan with a 30-year tenure, reducing the interest rate from 4.5% to 3.5% can save approximately RM900 monthly or over RM300,000 over the full loan term.

Can you help if I've been rejected for a home loan before?

Absolutely! We specialize in overcoming previous rejections. Our banking relationships and understanding of rejection reasons allow us to restructure applications, enhance documentation, and present your case more effectively. Many of our most successful clients came to us after multiple rejections elsewhere.

How much home equity can I access through refinancing?

Most Malaysian banks allow refinancing up to 90% of your property’s current market value, minus your outstanding loan balance. For example, if your home is valued at RM600,000 and your current loan balance is RM300,000, you might access up to RM240,000 in equity (90% of RM600,000 = RM540,000 – RM300,000 = RM240,000).

What documents are required for mortgage applications or refinancing?

Typically required documents include:

  • Identification (NRIC, passport)
  • Income proof (3-6 months’ pay slips, tax returns, EPF statements)
  • Bank statements (latest 3-6 months)
  • Existing loan statements and offer letters
  • Property details (sale & purchase agreement, title)
  • Employment confirmation letter
  • Additional documents may be required based on individual circumstances

Our consultants will provide you with a customized checklist based on your specific situation.

General Service Questions

Personal Financing Services

How quickly can I get my personal loan approved?

Through our expedited process, most qualified personal loan applications receive approval within 3-5 business days, compared to the standard 2-3 weeks through direct bank applications. For urgent cases, we have secured approvals in as little as 24-48 hours for eligible clients.

What is the typical interest rate for personal loans in Malaysia?

Personal loan interest rates in Malaysia typically range from 5% to 12%, depending on your financial profile, loan amount, tenure, and the lending bank. Our consultants leverage bank relationships to secure rates at the lower end of this range whenever possible.

Can self-employed individuals qualify for personal loans?

Yes, self-employed individuals can qualify, though the documentation requirements differ from salaried employees. We have specialized experience in helping entrepreneurs, freelancers, and business owners secure personal financing by properly documenting income through bank statements, tax returns, business contracts, and other supporting evidence.

Is a guarantor required for personal loans?

Most personal loans in Malaysia don’t require guarantors if you meet the income and credit requirements. However, if you have limited credit history or previous challenges, a guarantor might improve your approval chances or help secure better rates. Our consultants will advise whether a guarantor would benefit your specific situation.

General Service Questions

Debt Management Services

How does debt consolidation actually work?

Debt consolidation combines multiple debts (typically high-interest obligations like credit cards and personal loans) into a single loan or payment plan with better terms. This simplifies your finances with one monthly payment, typically at a lower interest rate. The consolidation can be achieved through personal loans, balance transfers, specialized debt consolidation programs, or formal arrangements like AKPK’s Debt Management Program.

Will debt consolidation affect my credit score?

Initially, there might be a small impact when applications for new credit facilities are processed. However, in the medium to long term, successful debt consolidation often improves your credit score by:
  • Reducing your overall debt utilization ratio
  • Establishing a consistent payment history
  • Decreasing the number of active credit facilities
  • Creating a clear path to becoming debt-free

How much can I save through debt consolidation?

Savings vary based on your current debt profile, but many clients see interest rate reductions of 5-10% on high-interest debts like credit cards. For example, consolidating RM50,000 in credit card debt (at 18% interest) into a personal loan at 8% interest could save approximately RM30,000 in interest over a 5-year repayment period.

What's the difference between AKPK and private debt consolidation services?

AKPK (Agensi Kaunseling dan Pengurusan Kredit) is Malaysia’s government-established debt management agency offering free counseling and formal Debt Management Programs. Private debt consolidation typically involves creating a new loan facility or informal arrangements with creditors.

Key differences:

  • AKPK has legal standing to halt legal proceedings once you’re enrolled
  • AKPK programs often include financial education components
  • Private consolidation may offer more flexibility in structure
  • AKPK notation appears on credit reports during enrollment
  • AKPK typically takes longer but may offer more comprehensive solutions

We offer both private consolidation solutions and assistance with AKPK applications, recommending the most suitable approach based on your situation.

General Service Questions

Working With Mplus Marketing

What is your consultation process?

Our process typically follows these steps:
  • Initial free consultation to understand your needs and assess your situation
  • Development of a customized strategy based on your specific circumstances
  • Documentation preparation and submission to appropriate financial institutions
  • Follow-up and negotiation with banks to secure optimal terms
  • Facilitation of approval and completion of the loan process
  • Ongoing support throughout the loan tenure as needed

How long does the entire process take?

Timeline estimates by service type:

  • Personal Loans: 3-5 business days from submission to approval
  • Mortgage Refinancing: 2-3 weeks for approval, 4-6 weeks for completion
  • Property Purchase Loans: 3-4 weeks for approval
  • Debt Consolidation: 1-3 weeks depending on complexity
  • AKPK Enrollment: 3-4 weeks from application to acceptance

When and how do I pay your consultation fee?

Our fee is only due after your loan or financial solution is successfully approved. We typically charge a percentage of the approved amount or a flat fee depending on the service type. The exact fee structure will be clearly communicated during your initial consultation before you engage our services. Payment can be made via bank transfer, credit card, or other arrangements after you’ve received your approval.

Do you offer ongoing support after the loan is approved?

Yes, we provide continued support throughout your loan tenure. This includes assistance with:

  • Understanding loan documentation and terms
  • Managing repayment schedules
  • Addressing any issues that arise with the bank
  • Future refinancing or restructuring needs
  • Additional financial services as your needs evolve

Smart Start

Take the First Step Toward Financial Freedom

Contact our loan specialists today for a free, no-obligation consultation. Discover how we can help you secure the financing you need with terms that work for your situation.

Need Help?

Still Have Questions?

Contact our team for personalized answers to your specific questions. We’re here to provide clear, honest information about how our services can help you achieve your financial goals.

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