Reverse mode — tell us the amount the client actually wants. We work backwards to the
instalment each bank would charge, then tell you exactly how much more income they need,
or how much commitment they'd have to clear.
RM
Longer tenure = lower instalment = easier to qualify
yrs
Drives max-tenure @ maturity
RM
Gross auto-estimated for gross-basis banks
RM
HP + HL + PL instalments, 5% of CC outstanding
Drives regional minimum-NDI rule
2
Matched Panel Banks
📊
Fill the form and hit Calculate
Calculation Breakdown
1
How do you want to start?
Upload is optional — you can always skip
📄
Drop MyKad + 3 months payslip / EPF / bank statement
PDF · JPG · PNG — max 10MB each
🔎
MyKad verified — CTOS report can be pulled instantly.
Pulling CTOS returns the credit score, CCRIS 12-month conduct and every live facility —
the commitment table below auto-fills, so nothing is missed or under-declared.
2
Income Composition (Gross)
Bank-specific haircuts applied per product
RM
Recognition 100%
RM
Recognition 100%
RM
Haircut applies (50–80%)
RM
RM
RM
Haircut applies
RM
Haircut applies
3
Employment
Matched against employer panel
yrs
—
yrs
4
Loan Information / CCRIS Commitments
manual entry
Commitment Type
Bank
Credit Limit
Current Outstanding
Current Instalment
Special Settlement
Consolidate Settlement
New Instalment
Summary
RM 0
RM 0
RM 0
RM 0
RM 0
RM 0
Effective monthly commitment used in DSR →
RM 0
5
Matched Panel Banks
6
Boost Options — what if we settle something?
every facility simulated against the live panel
📊
Fill the form and hit Calculate
Calculation Breakdown
My Cases
4 open
AI
AHMAD BIN ISMAIL
APP-260801-0142 · RM 118,000 · 5 banks matched
Applicant Snapshot
Documents
🏦
Banker view — RHB Bank · Farah (Credit Officer).
A banker only ever sees cases routed to their own institution. Applicant PII stays masked until the banker
accepts the case, which timestamps consent and starts the SLA clock.
New in queue
7
2 breaching SLA
Pre-assessed today
12
9 approved in principle
Avg response
3h 12m
target < 4h
Conversion (30d)
41%
panel avg 33%
Case Queue — RHB Bank
sorted by SLA risk
Case Detail — RHB-260801-0091
SLA 46 min left
Applicant (masked)
NameAHMAD B*** I*****
IC9402••-••-5055
Age / State34 · Selangor
EmployerPetronas Carigali Sdn Bhd PANEL
Position / ServiceSenior Engineer · 4.5 yr
Recognised grossRM 7,900
Commitment (CCRIS)RM 1,430
CTOS score712 · Good
iMoney quote — RHBRM 118,000 / 5 yr
Documents received
🪪 MyKad (front + back)✓
📄 Payslip × 3 (May–Jul 2026)✓
📊 CTOS report · 01 Aug 2026✓
🏦 EPF statement✓
📄 Bank statement 3-moPENDING
Decision
Back Office
Preview as
⚠️
Mockup note — read-only mirror of http://47.131.184.103/admin → Partner Criteria.
The calculator stores no criteria; it pulls + caches from the Back Office API, so one edit there changes every quote instantly.
Providers
39
active catalog
Products
56
active configurable
PL in engine
7
mockup subset
Last sync
2 min ago
TTL 15 min · webhook
Bank Application Flows
every bank submits differently — configured here, not in code
Required Applicant Fields by Bank
drives what the Apply form asks for · ✓ required · ○ optional · — not needed