Fintos Debt Advisory and Consolidation Services

Fintos provides debt consolidation services aimed at helping individuals with high debt commitments, including those facing issues like AKPK, SAA, CTOS, or Trade Reference problems. The service allows clients to consolidate their existing debts into a single loan with a lower interest rate, reducing their overall financial burden.

Key Features of Fintos Debt Consolidation Loan

Feature	Details
Interest Rate	12.00% p.a. ~ 18.00% p.a.
Loan Amount	Minimum: RM5,000 Maximum: RM500,000
Approval Duration	Within 48 working hours
Repayment Period	Flexible repayment tenure (typically 1 to 5 years)
Monthly Repayment	Example: RM467 for RM5,000 over 1 year at 12% interest rate
Total Interest Payable	RM600 (for a RM5,000 loan)
Total Repayment	RM5,600
Approval Rate	Up to 96% with valid income documents (for salaried employees)
Loan Purpose	Debt consolidation to reduce high commitments
Confidentiality	Borrower information protected under the Personal Data Protection Act (PDPA) 2010

Eligibility Criteria

Age Requirement: 21-60 years old
Minimum Monthly Income: RM5,000
Employment Types:
- Salaried Employees
- Self-employed Individuals
- Commission Earners
Eligibility for Those with Debt Issues:
- AKPK, Special Attention Account (SAA), CTOS, Trade Reference
- High Debt Service Ratio (DSR), poor repayment record, blacklisted individuals, or those with a restructure status can apply.

Required Documents

NRIC: Copy of NRIC (front and back)
Consent Form: Provided by Fintos
Salary Slip: Last 3 months salary slips
EPF Statement: Latest/current year EPF statement
Bank Statement: Last 3 months bank statements
Job Offer Letter: Or employment confirmation letter

How It Works

Consolidate Debts: Fintos helps clients combine multiple debt obligations into a single, manageable loan.
Lower Interest Rates: Clients can convert high-interest loans into a lower interest loan (starting from 12% p.a.), which can significantly reduce their monthly commitments.
High Approval Rate: Fintos has an approval rate of up to 96% for clients with various debt issues, provided they submit the required documentation.

Loan Example

For a RM5,000 loan over 1 year with a 12% p.a. interest rate:

Monthly Repayment: RM467
Total Interest Payable: RM600
Total Repayment: RM5,600

Summary

Fintos Debt Advisory and Consolidation Services offers a practical solution for individuals with financial difficulties, particularly those dealing with multiple debts or credit issues. With high approval rates and flexible loan terms, Fintos helps you consolidate your debts into a single loan with a lower interest rate. This service is ideal for Malaysians with a minimum monthly income of RM5,000 who are struggling to manage high debt commitments.

Pay	Profit Rate	Max. Financing Amount	Total payment
RM 933 / mth	12.00% p.a.	RM 500,000	RM 11,200