1. Free consultation & DSR
Tell Janice your income, existing commitments, age, and what you’re buying or refinancing. We model Debt Service Ratio against typical bank caps (often around 70–80% depending on income bracket) and flag gaps before any bank sees your name.
Useful companion: DSR affordability calculator and the guide What is DSR in Malaysia.
2. Bank matching & application
We select the 2–4 banks most likely to approve your profile at a competitive package - rate, cashback, margin of financing, and credit appetite. Then we prepare the document pack so credit officers get a clean file the first time.
Document overview: housing loan documents checklist.
3. Approval & disbursement
With complete documents, approvals commonly take 7–14 working days. RMS2U has achieved approvals in as fast as 2 working days on clean files. We stay in the loop until letter of offer, acceptance, and disbursement.
As of Oct 2026: BNM OPR 3.00%; SBR 2.75%. Typical packaged home-loan rates we see in market range roughly SBR + 0.80% to SBR + 1.75% (about 3.55%–4.50% p.a.), subject to profile and bank. RMS2U has secured as low as 3.55% p.a. for eligible clients. Figures drift - WhatsApp Janice for a live check.