Home improvement or home renovation is one of the most exciting endeavours house owners undertake on a periodic basis to beautify, remodel or expand their existing dwellings.

Looking at today’s economic pattern, many people are voicing out their concern and disappointment regarding their economic health; be it being underpaid, high living cost, high monthly commitments which all have the same underlying message: Not Enough Money!

Have you ever tried to apply for any loan like applying for personal loan, house loan or car loan through bank but your application was rejected due to your high Debt Service Ratio (DSR).

Did your personal loan get rejected because you have a negative CCRIS and CTOS record or you are currently listed under the AKPK programme?

If you are a civil servant, you will most likely have the experience of receiving SMS or cold calls offering you personal loan financing, whether it is from the bank or koperasi.

Everyone would love travelling around the world, experiencing new journey, learning about new culture, window shopping and eating new foods that is bizzare to your tongue.