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NYK is a numbers-first financing and debt advisory. We’re here for people who don’t want “sales talk” — they want a calm, independent view of what’s realistic before they sign anything.

  • Home
  • About Us
  • Service
    • Bank Matching
    • Credit Diagnostics
    • Debt Consolidation
    • Debt Planning
    • Document Prep
    • Financing Advice
    • Refinancing
    • SME Financing
  • Blog
  • Teams
  • Contact
  • No 22-1, Jalan 7/155, Bukit OUG Industrial, 58200 Kuala Lumpur
  • 03-7499 2870
  • info@nykadvisoryservices.com
  • https://srv1247301.hstgr.cloud/

Blog

HomeBlog
Split-screen image comparing a loan rejection scene with broken finances and a loan approval scene with fixed finances and a handshake, with a 2026 calendar.
Loan Education & Guides

Loan Rejected in Malaysia? 7 Things Banks Usually See (2026 Fix Plan)

  • December 15, 2025
Split-screen image comparing a small, neat stack of loan documents for a salaried employee versus a large, messy pile of documents for a self-employed individual on a desk with a 2026 calendar.
Loan Application & Documents

A Bank-ready Loan Document Checklist For Malaysia

  • December 15, 2025
A split-panel image comparing two financial states. On the left panel, titled "BEFORE: STUCK" in red, a calculator shows "DSR: 85% (HIGH)" and a person's hands hold a document stamped "REJECTED." On the right panel, titled "AFTER: APPROVED" in green, a calculator shows "DSR: 35% (HEALTHY)" and a hand holds a key next to a document stamped "APPROVED."
Loan Education & Guides

The DSR Explanation Malaysians Need Before Applying Any Loan

  • December 15, 2025
A financial analyst in a Kuala Lumpur office looking at a split monitor screen displaying CCRIS data on the left and CTOS data on the right.
Loan Education & Guides

CCRIS vs CTOS: What Banks Really Look at Before They Approve You

  • December 15, 2025
Top-down photograph of a hand holding a red pen, circling an "Early Repayment Penalty" clause in the fine print of a loan contract.
Loan Education & Guides

How to Read a Loan Offer Without Missing the “Small Print”

  • December 10, 2025
Three distinct doors symbolizing financial choices: a heavy vault door (AKPK), a wooden office door being opened (Restructuring), and a glass door leading to a bright city skyline (Refinancing).
Debt & Loans

AKPK, Debt Restructuring or Refinancing: What’s the Real Difference?

  • December 10, 2025
A split-level underwater photograph. Above the surface, a professional in a business shirt smiles calmly under a blue sky. Below the surface, their legs kick frantically against a heavy, rusted chained weight pulling them down into the deep blue water.
Debt & Loans

7 Early Signs Your Debt Is Getting Risky (and What You Can Do Now)

  • December 10, 2025
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NYK Advisory Services

  • No 22-1, Jalan 7/155, Bukit OUG Industrial, 58200 Kuala Lumpur
  • 03-7499 2870
  • info@nykadvisory.group

Company

  • About Us
  • Blog
  • Contact

Services

  • Bank Matching
  • Credit Diagnostics
  • Debt Consolidation
  • Debt Planning
  • Document Prep
  • Financing Advice
  • Refinancing
  • SME Financing

Business Hours

  • Monday 9:30 am – 6:30 pm
  • Tuesday 9:30 am – 6:30 pm
  • Wednesday 9:30 am – 6:30 pm
  • Thursday 9:30 am – 6:30 pm
  • Friday 9:30 am – 6:30 pm
  • Saturday 10:00 am – 3:00 pm
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