In Malaysia, before buying a second or third home, get your own CCRIS report for free and count the home loans you are still paying. Two or more, and the bank can lend at most 70% of the price on the next one; one or none, and you can usually get 90%. CCRIS is Bank Negara's record of borrowers' loans, listing every loan you have with a bank and the last 12 months of repayments.
Look at the home loan lines. A home loan shows the type "Housing Loans/Financing". Two still running means the next one is capped at 70%.
CCRIS is not everything. LPPSA government home loans and most cooperative loans are not on the list of institutions that report into CCRIS, but a bank may still find them elsewhere.
Paid off does not mean gone at once. Records update by the 10th of the following month at the latest. After settling a loan, allow one to two months before a new application to be safe.
"You have three home loans." "Three? I only own two houses."
Many people first see their CCRIS when a bank officer slides it across the desk.
"You have three home loans, so this one is 70% only." "Three? I only own two houses."
The third is the one you co-signed for your brother five years ago.
What does CCRIS actually record?
CCRIS (Central Credit Reference Information System) is Bank Negara's central credit database. Banks, Islamic banks, investment banks and development financial institutions, plus a few card, car-finance and leasing companies and PTPTN, report your loans into it. Bank Negara's FAQ says the report shows:
- Loans you are still paying
- Whether you paid on time in each of the last 12 months
- Applications pending or approved in the last 12 months
Rejected applications do not appear.
Which lines on the report decide your margin?
Only three:
| Where to look | What it means | Why it matters |
|---|---|---|
| Type reads Housing Loans/Financing | A home loan | The number still running is the number the bank counts |
| Capacity is not "Own" | A loan taken jointly with someone (or through a sole proprietorship) | Most banks still count it as one of yours |
| Pending / approved applications | Loans not yet paid out | Some banks treat them as one more loan on the way |
Two home loans running means your next is the third: 70% at most.
Cash-out refinancing is sometimes booked as another type. Some banks will not count it as a home loan; others see collateral code 10 (property) and count it. If you see one, ask the bank how it counts it before you apply.
How do I get my CCRIS report? Does it cost anything?
Bank Negara runs eCCRIS online: register and you can download your own report, or apply at a Bank Negara counter. Bank Negara states that the CCRIS report is currently free.
CCRIS is not a blacklist and gives no score. Bank Negara says it does not rate anyone's creditworthiness; the report only lists what institutions reported, and each bank decides for itself.
Count the loans on the report, then add the ones outside it
What CCRIS cannot see, a bank may still see. List these before you apply:
- LPPSA government home loans: not a CCRIS reporting institution, but the deduction is on your payslip every month.
- Cooperative (koperasi) loans: most are not on the list either (Bank Rakyat, a cooperative bank, is).
- Home loans from foreign banks: for example a property bought in Singapore.
Whether these count as a home loan varies by bank, which is why the same person can get 90% from one bank and 70% from another. See one bank 70%, another 90%: why. Civil servants should also read our LPPSA 2026 guide.
Want to bring the count down? Get the timing right
- Settle a small loan. After you get the redemption letter, the lender updates by the 10th of the following month. To be safe, wait one to two months before applying for the new loan.
- Cancel offers you will not use. If you applied at several banks and accepted one, ask the others to cancel their approvals formally, so the next bank does not think you have an extra loan.
- Taking a name off a joint loan means a transfer or a new loan. That involves stamp duty and legal fees, so work it out first. See buying in joint names.
Who should not force the count down: anyone who would empty their fixed deposits or emergency savings to settle a loan just to get 90%. If income drops before the new home is finished, you could struggle to pay both.
What buyers ask
How far back does CCRIS go?
Bank Negara says the report covers the last 12 months of loans and repayments, plus applications pending or approved in the last 12 months.
Do rejected loan applications stay on CCRIS?
No. Bank Negara's FAQ says CCRIS reports do not show rejected applications.
I paid off my home loan. When does CCRIS update?
Bank Negara says lenders update the record by the 10th of the following month at the latest. To be safe, allow one to two months before applying for a new loan.
Does an LPPSA loan appear on CCRIS?
Bank Negara's list of CCRIS reporting institutions names only PTPTN among government agencies; LPPSA is not on it. A bank may still see it from your payslip deduction or application form.
Does it cost money to get my CCRIS report?
Bank Negara says it is currently free, online through eCCRIS or at a Bank Negara counter.
CCRIS reporting institutions, 12-month record and free eCCRIS access: Bank Negara CCRIS page. Report contents, rejected applications not shown, update by the 10th, free report, no credit rating: Bank Negara CCRIS FAQ, questions 22, 27, 37 and 38. Report fields (type, Capacity, collateral code 10, pending applications): Bank Negara's Explanatory Notes for Credit Report sample. 70% cap on the third house financing facility: Bank Negara statement of 3 November 2010. Checked 10 November 2026. General information, not financial advice.
WhatsApp us the report (hide your IC number). We count how many home loans a bank will see and tell you whether your next home is 70% or 90%, and how much cash to prepare.