There are usually a few common reasons – for example, your credit report, existing commitments, income level, or missing documents. We don’t approve or reject loans, but we can quietly review your profile, explain in simple terms what is blocking the approval, and guide you on what to improve or which type of bank may be more suitable for you.

We don’t sell loans. Our role is to help you understand and compare options such as personal loans, housing / mortgage loans, business loans, and refinancing or debt consolidation. We look at your whole situation first, then share which types of facilities may fit you better and what to be careful about.

Interest rates are set by the banks, not by NYK. After we review your income, commitments and credit report, we can show you the likely range of rates you may qualify for and explain how each offer works, including the total cost over time. Our aim is to make sure you fully understand the numbers before you decide on anything.

In many cases, yes – but it depends on your current loan terms, repayment history, property or loan value, and overall cash flow. We will analyse your situation calmly, show you the pros and cons in numbers, and explain whether a top-up or refinancing is truly helpful for you, or if it might create more pressure in the long run

From NYK, no hidden fees. If there are bank, legal, valuation, stamp duty or insurance / Takaful costs involved, we will break everything down clearly before you proceed. You will always know what you are paying for, and to whom, so you can make a calm and informed decision.