Semakan Awal · RM60 · a twenty-second self-check
What the bank's assessor sees in your numbers?
Type five numbers. We show which figure the assessor will use, which one they will discount, and the first question they will ask, before you submit anything.
- average credits to the business account, minus your own top-upsRM
- the figure you would write on the application formRM
- suppliers, rent, gas, electricity, helper wages. Not household moneyRM
- car, personal loan, PTPTN, phone plan. All of themRM
- and the repayment tenureRM
- The sales figure the assessor useswhat reached the bank, not what you declareRM19,22077% of RM25,000
- Surplus before drawingsinto the bank minus business outgoingsRM6,150a month
- New instalment, estimated5% a year, flat methodRM1,04260 months
- Surplus against all commitmentsexisting plus the new one2.9 timesRM2,138 a month
- Left for the householdafter every instalment is paidRM4,012a month
The assessor's first question
Why does RM5,780 a month not reach the bank? The assessor will compute everything on RM19,220 and treat the rest as unproven.
What fixes it: three months of statements where every ringgit of sales enters the business account first.
RM60RM190launch price · three working days · four pages
Five numbers are the start. The assessor reads six months of statements, line by line.
Semakan Awal reads your bank statements the way an assessor reads them: account conduct, the lowest balance each month, unreferenced transfers, hidden commitments. Four pages back: what the assessor sees, three things that can sink the file, what to build first, and two pages of the working behind it - six months laid out month by month, and every one of the 28 checks that was run. A launch price of RM60 for the first ten reviews, then back to RM190. The RM60 comes off the next stage if you continue within thirty days.
Watch first: what the assessor sees
Two short videos from Kak Yana, our host. Tap to play them right here.
- AI-generated
1:24
3 myths many people believe
Put a lot of money in first, paying a little late is fine, round the figures up. Many think all three help. Kak Yana explains what the assessor actually sees.
- AI-generated
1:10
How an assessor reads a bank statement
The order an assessor reads your bank statement in, and which figures they use to judge the application.
Kak Yana is our AI host: her face and voice are machine-generated. She is not a customer, and these videos are not testimonials.
What this machine cannot see
Three things that decide a file, visible only in the real statements. This is what the RM60 review reads.
Returned cheques or instructions, negative balances, late fees. The assessor looks for these in the first five minutes, and two of them are enough for a file to stop being read.
An account that falls under RM250 every month end reads as having no buffer. The instalment will bounce in a lean month.
Unreferenced transfers to the personal account, and money coming back when the business runs dry. The assessor will not separate business from home. Your file carries the cost.
An estimate from the five numbers you typed, computed in your browser and sent nowhere. Not an audit, not accounts, not licensed financial advice, and not a promise of any decision. We are not accountants. Every bank's rate and formula differ; the real figures follow the offer letter.