Real DSR calculations using each bank's actual lending policies. The same method consultants use. No registration. No credit check.
Your Estimated Loan Range
RM 380,000 – 520,000
Sample only — your actual result will vary.
0+
BuyerPass Reports Generated
0
Malaysian Banks Covered
RM 0.0B
Total Loan Value Assessed
0.0 ★
Average Consultant Rating
Our Platform
Whether you're buying, selling, or advising — CreditDesk has the right tool.
For Home Buyers
Free DSR eligibility check across 15 Malaysian banks. Know exactly where you stand before you walk into any bank.
For Property Owners
Selling or refinancing? Get a free valuation estimate and connect with a licensed consultant in 24 hours.
For Mortgage Consultants
Multi-bank DSR engine, AI payslip OCR, pipeline board, WhatsApp automation, and a shareable digital card.
For Buyers
No consultant needed. No credit check. No strings attached.
Income, commitments, and the property you have in mind. Takes 5 minutes.
Our engine checks your DSR across 15 banks using real bank policies — not guesses.
See which banks approve you, your max loan amount, and estimated monthly instalment.
Why CreditDesk?
Here's why that costs them.
| Feature | Going to Bank Directly | Using CreditDesk |
|---|---|---|
| Know eligibility before applying | Not possible | Instant — before you apply |
| Check multiple banks at once | One at a time | All 15 simultaneously |
| Credit score impact | Hard inquiry each time | Zero impact |
| Time to know your result | 1–2 weeks | 5 minutes |
| Professional document help | DIY — you're on your own | Free consultant match |
| Cost to the buyer | Free but no guidance | Free + guided |
Know eligibility before applying
Bank Direct
Not possible
CreditDesk
Instant
Check multiple banks at once
Bank Direct
One at a time
CreditDesk
All 15 at once
Credit score impact
Bank Direct
Hard inquiry
CreditDesk
Zero impact
Time to know result
Bank Direct
1–2 weeks
CreditDesk
5 minutes
Document help
Bank Direct
DIY
CreditDesk
Free consultant match
Cost to buyer
Bank Direct
Free but no guidance
CreditDesk
Free + guided
For Property Owners
Free valuation. Licensed consultant. No commission upfront.
Property type, size, location, and upload a few photos. Simple 3-step form.
Instant estimated market value based on comparable transactions in your area.
A licensed mortgage consultant reaches out within 24 hours for listing or refinancing.
For Mortgage Consultants
Your clients deserve a consultant who shows up with data, not guesswork.
Without CreditDesk
With CreditDesk DeskPro
Invite-only. Contact your agency manager to get onboarded.
Everything you need to know before you start.
Yes. BuyerPass is completely free for home buyers. No hidden fees, no registration required, and no credit score impact.
We use real DSR (Debt Service Ratio) calculations from each bank's actual lending policies — the same method consultants use. Results are indicative; final approval depends on the bank's own assessment.
No. BuyerPass does not perform a CCRIS or CTOS lookup. It's a self-assessment tool based on the details you provide.
You describe your property, get a free valuation estimate, and a licensed consultant contacts you within 24 hours — whether you want to sell, list, or refinance.
CreditDesk is invite-only for consultants. Contact your agency manager or reach out to us via WhatsApp to get onboarded.
Free for buyers and property owners. Always.
No registration · No fees · Results in minutes