You may be eligible for Celcom upfront payment waiver of
RM 100
Key in your total monthly instalments for all your fixed loans
Example: Home Loan + Car Loan + Personal Loan + PTPTN Loan (if any)
How is the CTOS Score calculated?
The CTOS Score is calculated based on credit information from both CCRIS and CTOS’s database. 5 factors make up the CTOS Score:
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 Payment History (45%)Whether you pay your loans on time or have missed payments in the past |
 Amounts Owed (20%)The number of credit facilities and the amount owed to the banks |
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 Credit History Length (7%)How long have you held a credit facility (credit card, or a loan) |
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 Credit Mix (14%)Types of loan and credit cards you hold – secured (home, car loans) vs unsecured credit (credit cards, personal loans) |
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 New Credit (14%)Have you been approved for new credit facilities recently |
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Sources: Banking Payment History [derived from CCRIS, Bank Negara Malaysia], CTOS Database [Legal records & Trade References]. |
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