Financial Hospital
Customizable financial plan makes every individual easy on debt and manage every financial account wisely.
Client's Challanges
Credit Card Burst
This pertains to exceeding the credit card limit or maxing it out without the intention of settling the resulting bill.
Low CTOS Score
A low CTOS score may result from unfavorable payment habits.
Commitment / DSR Burst
This occurs when current financial commitments surpass the monthly income spending limit.
SAA (Special Attention Account)
SAA refers to a Special Attention Account, indicating blacklisting by specific banks. Obtaining a loan is impossible unless a full settlement is made.
AKPK (Credit Counselling and Debt Management Agency)
AKPK assists individuals in gaining control over their financial situations. However, individuals enrolled in this program are less likely to receive loan offers from banks.
CTOS Blacklisted
Any borrowings from non-financial institutions or any outstanding debts, including mobile bills, TNB, money lenders, or unsettled dues with shops, will be reflected in your CTOS report.
Financial Hospital Features
Welcome to our Financial Hospital, where we provide tailored solutions to fix your financial issues and boost your financial well-being. Our services are like doctor visits, offering personalized plans as "medicine," "treatment," and even "operations" for your financial health.
Why Choose Us ?
At MTI Golden, we specialize in providing credit score and financial services that are tailored to solve your financial needs.
Years of
Extensive banking, personal finance & debt consolidation experience.
Established Connections
With 18 banks in Malaysia, including Islamic Banks.
Clients Assisted in
Resolving their financial burden & debt issues with the banks.
Approval Rate in
Helping clients to get their personal / business loan approved.
Application Process
01
Consultation Process
Schedule a consultation with our financial experts to discuss your goals and challenges.
Documents needed:
Employee/ personal profile
1 ) 3months payslip
2 ) EPF 2 years
3 ) CTOS Report
Employer/Business profile
1 ) 6 month bank statement
2 ) SSM and SSM info
3 ) CTOS report
4 ) income taxes claimed
02
Customize plan
1 ) received a personalized financial recovery plan tailored to your specific needs
2 ) signing for AGREEMENT and PROPOSAL before proceed
03
Implementation Process
1 ) Work with our team to implement the strategies outlined in your recovery plan.
2 ) Track your progress and make adjustments as necessary to achieve your financial goals.
04
Approval
1 ) Get the approval from bank
Client's Testimonials
See what our satisfied clients have to say
Nurul Afiqah Binti Yusof
AKPK+SAA
Thanks for helping get loan approval for my weddings 😊
Handled by:
Allen Gan
Financial Consultant
Siti Aishah Binti Jamal
SAA + High Commitment
tq so much MTI... finally no blacklist in my profile
Handled by:
Allen Gan
Financial Consultant
Shalini A/P Subramaniam
High Commitment + Credit Card Burst
i was almost bankrupt because of MCO.. MTI save my business and my personal profile
Handled by:
Allen Gan
Financial Consultant
Let Us Help You With Your Financial Issues Today
Connect with a MTI Golden representative today. Talk to our consultant to see how we can help you overcome your financial problems.
FAQS
Explore our FAQ section for quick answers to common queries, providing you with instant clarity and assistance.
Yes. We can assist in resolving your AKPK status and present you with a tailored offer. Please consult with our financial advisor for a thorough profile assessment.
Yes. We assess eligibility for clearing SAA and Internal blacklist on a case-by-case basis. Before any decision, we need to check your profile thoroughly. Please consult with our financial advisor for a thorough profile assessment.
Only employees working in specific companies such as MNCs, GLCs, or government-linked companies are eligible if there is a legal case in their profile. To proceed, please provide your CTOS report and payslip for consultation with our consultant. This will be used to verify eligibility against the bank panel list. Please consult with our financial advisor for a thorough profile assessment.
Yes. We offer assistance for individuals with low CTOS scores through our MTI Financial Hospital Program. This program is designed to support customers facing financial challenges. After undergoing the prescribed “treatment,” we aim to restore your credit scoring to normal levels. Please consult with our financial advisor for a thorough profile assessment.
No. We do not accept foreign workers.
We do not accept Malaysians working in other countries However, if you are employed in Singapore with a monthly salary exceeding 3,000 SGD, you may be eligible for our services.
It’s possible that your low CTOS score is a result of joining AKPK, being blacklisted, or having a history of late payments. Our Financial Hospital Program is designed to assist individuals facing such challenges, aiming to improve your financial situation and, subsequently, your credit score. Please consult with our financial advisor for a thorough profile assessment.
A bank rejection can occur for various reasons, such as a low CTOS score, AKPK membership, SAA status, blacklisting, or a history of late payments. To understand the specific reasons for your rejection and receive tailored advice, I recommend consulting with our professional consultants. They can provide guidance based on your individual financial situation.
The processing time for your case will be determined on an individual basis. Please consult with our financial advisor for a thorough profile assessment.
We do not require any upfront payment or deposit. The charges for proceeding will vary on a case-by-case basis. It is advisable to seek professional advice from our consultants to understand the specific costs associated with your situation.
As of now, we operate three branches in Malaysia located in Kuala Lumpur (KL), Penang (PG), and Kedah. We will soon be opening a new branch in Johor Bahru (JB)
Check out the branch address:
MTI GOLDEN (SUNGAI PETANI) ADDRESS:No 207, 1st Floor, Jalan Mawar 3/2 Taman Pekan Baru, 08000 Sungai Petani Kedah.
MTI GOLDEN(PENANG) ADDRESS:NO. 81-1, (First Floor), Jalan Todak 6, Pusat Komersial Sunway Perdana, 13700 Perai, Penang.
MTI GOLDEN(KUALA LUMPUR) ADDRESS:MTI Golden Sdn Bhd, Block A-10-4 Northpoint Mid Valley City, Lingkaran Syed Putra, Kuala Lumpur
Walk-ins are allowed, we don’t recommend it. We need time to find solutions and check your profile. It’s best to make an appointment and gather your documents before coming in for a more helpful response.