NYK Advisory Services

28/08/2026

𝗔 𝗰𝗼𝗻𝘀𝗼𝗹𝗶𝗱𝗮𝘁𝗶𝗼𝗻 𝗮𝗱 𝘁𝗵𝗶𝘀 𝗺𝗼𝗻𝘁𝗵 𝘀𝗮𝘆𝘀 𝟱.𝟭𝟬% 𝗽.𝗮.

Same page, further down:
flat rate 8.50%.
Effective rate 15.99% to 16.71%.

That's Hong Leong Bank's personal loan consolidation promo, 1 July to 30 September 2026.

The 5.10% is after a 40% pay-on-time rebate.
And only if your income is RM8,000 and above.
Miss the rebate, you're on 8.50% flat.

𝗙𝗹𝗮𝘁 𝗿𝗮𝘁𝗲 𝗮𝗻𝗱 𝗲𝗳𝗳𝗲𝗰𝘁𝗶𝘃𝗲 𝗿𝗮𝘁𝗲 𝗮𝗿𝗲 𝗻𝗼𝘁 𝘁𝗵𝗲 𝘀𝗮𝗺𝗲 𝘁𝗵𝗶𝗻𝗴.

The monthly can look smaller.
The true cost can still sit close to card rates.

Read the effective rate on the same page as the headline.

Did you know 8.50% flat can mean about 16% effective?

28/08/2026

Our office was very quiet last weekend. Here is why 😄
The whole NYK Advisory team was at A'Famosa Water World, Melaka, together with our sister companies Vantage Elite Group and Profin Elite Group.
2 days of water battles, silly games and one very long dinner.
Some of our colleagues even brought their kids along.
Why do we spend on this every year?
Simple.
NYK was not built by one clever person.
It was built by a team that shows up and covers for each other.
Every deal.
Every good year.
Every client who stayed.
All teamwork.
And the best part is not even the games.
Some of the faces in these photos have been with NYK since day one.
People stay where they are treated right.
That is the company we are building. Slowly and properly.
To the whole team, thank you for the laughter and the sunburn 🙏

24/08/2026

https://www.bnm.gov.my/-/gdp2q26pr

𝙍𝙚𝙖𝙙 𝙋𝙖𝙨𝙩 𝙏𝙝𝙚 𝙁𝙞𝙧𝙨𝙩 𝙇𝙞𝙣𝙚
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Malaysia grew 6% last quarter, and that is where most people stopped reading.
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Bank Negara says the growth came mostly from chips, data centres and natural gas.
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Big sectors, big companies.
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Business loans grew 7.2%, up from 5.7%.
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Then comes the sentence almost nobody quotes, where Bank Negara says that growth came mainly from the non-SME side.
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SME loans slowed, 5.2% down to 4.2%.
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Same quarter, same report, opposite directions.
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That slowdown could mean credit got harder, or it could mean fewer owners went asking.
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Bank Negara notes demand for working capital held up, which points to the first, though the report stops short of saying it.
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So if you did not feel that 6%, you are not imagining it.
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The national number and your number are rarely the same thing.
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Report is linked, and the credit growth section is the part worth your time.
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Did your business feel any of that 6%?
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Economic and Financial Developments in Malaysia in the Second Quarter of 2026 Embargo : For immediate release Not for publication or broadcast before 1200 on Friday, 14 August 2026 14 Aug 2026...

21/08/2026

𝙄𝙛 𝙏𝙝𝙚 𝘽𝙖𝙣𝙠 𝙎𝙖𝙞𝙙 𝙉𝙤
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If a bank has turned your business down, there are official channels a lot of owners never find out about.
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Worth saving this one.
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• imSME by CGC, a referral platform that lets you apply to several financiers at once

• MyKNP@CGC, advisory support to get your business financing-ready, or to point you to other financiers

• AKPK's SME Helpdesk for advisory, and their Small Debt Resolution Scheme if repayments are already a problem

• BNMLINK, for enquiries and complaints about any financial institution
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Bank Negara's assistant governor named every one of these in a Star interview last month.
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Same interview, he gave a number that surprises people.
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Roughly 4/5 SME financing applications got approved between January and May.
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He did not leave it sitting there though.
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Aggregate figures do not always capture the difficulties faced by individual businesses, he said in that same answer.
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The second half is the part worth keeping.
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Getting rejected does not put you in some small unlucky minority.
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Usually it means something in your file did not carry the weight it should have.
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Which of these had you heard of before today?
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20/08/2026

𝘽𝙚𝙛𝙤𝙧𝙚 𝙎𝙚𝙥𝙩 𝟯, 𝙆𝙣𝙤𝙬 𝙔𝙤𝙪𝙧 𝙊𝙬𝙣 𝙉𝙪𝙢𝙗𝙚𝙧
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Malaysia grew 6% last quarter.
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It didn't move your instalment by one sen.
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Both true at once.
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Your own spending does sit inside that GDP number, exactly the same as everyone else's does.
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The part that jumped just wasn't the household part.
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Exports did the lifting, chips mainly, with a rebound in gas on top.
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Bank Negara described household spending as steady, not strong.
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What people really want to know is what happens on 3 September, when Bank Negara sits down to decide the rate again.
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Nobody knows yet.
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The governor got asked on the day, and his answer was careful.
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They'll weigh growth and inflation together.
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Inflation ran at 1.9% last quarter, which by any measure is still low.
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Most economists expect no change this year.
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A few think a small rise could come before year end.
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But say it does go up 0.25% one day.
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• About RM11 to RM16 more for every RM100,000 you still owe

• The longer your remaining tenure, the nearer the top of that range

• RM400,000 outstanding with 25 years left works out around RM56 a month
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RM56 still hurts when money is tight.
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But at least it's a number you can actually plan around.
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One more thing.
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Some banks won't raise your instalment at all, they stretch the tenure instead.
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Your monthly stays flat, you just carry the loan for more years, and the extra interest builds up quietly in the background.
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That only works if there's room left.
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Bank Negara caps housing loans at 35 years, and your bank sets its own age limit on top of that.
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Worth asking yours which way they'd go.
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Do you know roughly what you still owe on your biggest loan?
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28/07/2026

𝗬𝗼𝘂𝗿 𝗽𝗮𝘆 𝘄𝗲𝗻𝘁 𝘂𝗽. 𝗬𝗼𝘂𝗿 𝗿𝗲𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝘄𝗲𝗻𝘁 𝘂𝗽 𝗳𝗮𝘀𝘁𝗲𝗿.

Malaysia now spends more of its pay on loans than at any time in four years. 15.5 sen out of every ringgit.

That is the whole country averaged out. Your bank does not use that number. It uses yours.

Two minutes and you will know your own.

STEP 1. List every monthly repayment.
- House
- Car
- Personal loan
- Credit card minimum
- PTPTN
- Koperasi loan

STEP 2. Add them up.
One total. Do not round down to make yourself feel better.

STEP 3. Take your monthly pay after EPF and tax.
Take-home pay. Not the number on your offer letter.

STEP 4. Divide.
Total repayments, divided by take-home pay. Times 100. That is your DSR.

STEP 5. Read it.
Half of Malaysians with loans sit below 34%. Half sit above.
Past 60%, most banks start saying no.
In between, it depends on how much you earn and which bank you ask.

One thing to watch.
Every bank counts this a bit differently. Some look at your full credit card limit, not your minimum payment. So your number is a good guide, but the bank has the final say.

The country's number is news. Yours is the one you can move.

Save this for before you apply. If someone you know is applying soon, send it to them.

Do you know yours?

22/07/2026

𝗔𝗺𝗕𝗮𝗻𝗸 𝗶𝘀 𝗶𝗻𝘁𝗿𝗼𝗱𝘂𝗰𝗶𝗻𝗴 𝗮 𝘄𝗮𝘆 𝘁𝗼 𝗴𝗲𝘁 𝘆𝗼𝘂𝗿 𝘀𝗮𝗹𝗮𝗿𝘆 𝗯𝗲𝗳𝗼𝗿𝗲 𝗽𝗮𝘆𝗱𝗮𝘆.
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It is called Pay Day Now.
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AmBank Group is offering it with RAMS Fintech, a Ramssol Group subsidiary.
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Your employer subscribes first.
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Then you can draw wages you have already earned, as often as weekly, up to a capped amount.
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AmBank funds it and charges no interest.
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There is a fixed processing fee for each withdrawal.
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𝗔𝘀𝗸 𝘄𝗵𝗮𝘁 𝘁𝗵𝗮𝘁 𝗳𝗲𝗲 𝗶𝘀
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No interest is not the same as "no cost".
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A flat fee on a small withdrawal is a large percentage.
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The same fee taken every week for a year adds up quietly.
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Get the figure in writing before you sign up.
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Then work out what it costs you over twelve months.
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𝗬𝗼𝘂𝗿 𝗶𝗻𝘀𝘁𝗮𝗹𝗺𝗲𝗻𝘁𝘀 𝗱𝗼 𝗻𝗼𝘁 𝗺𝗼𝘃𝗲
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- Housing loan
- Car loan
- Personal loan
- Credit card minimum
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These come out by standing instruction on a fixed date.
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The bank pulls on that date whether the money is there or not.
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Draw your wages down early and you may be thin when that date arrives.
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A missed housing or car instalment goes into CCRIS.
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Every bank sees it for the next twelve months.
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𝗪𝗵𝗮𝘁 𝘁𝗵𝗲 𝗯𝗮𝗻𝗸 𝘀𝗲𝗲𝘀 𝗹𝗮𝘁𝗲𝗿
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Banks read your bank statements, not just your payslip.
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A statement showing early withdrawals every single month tells a story.
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It says this person runs out before month end.
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Used in an emergency, it beats a credit card cash advance.
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Used every month, it is a signal worth listening to.
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If you need your pay early to reach month end, the problem is not the payday.
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It is how much leaves your account before you touch it.
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Lower that number and you stop needing the app.
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21/07/2026

𝙏𝙬𝙤 𝙣𝙖𝙢𝙚𝙨 𝙤𝙣 𝙤𝙣𝙚 𝙡𝙤𝙖𝙣.

Most people never talk about what that really means.
Everyone knows the good part.

Two incomes, borrow more, get the house.
Here's the part nobody discusses.

The loan sits on both CCRIS reports.
Full loan, both names.

𝙊𝙣𝙚 𝙡𝙖𝙩𝙚 𝙢𝙤𝙣𝙩𝙝 𝙨𝙝𝙤𝙬𝙨 𝙤𝙣 𝙗𝙤𝙩𝙝 𝙧𝙚𝙘𝙤𝙧𝙙𝙨.

Even if it was "his turn" to pay.

The bank doesn't know whose turn it was.

And later, when you apply for your own car loan?

Many banks count the full monthly payment as yours.

Not half.

Joint loans are how many families buy homes.

Nothing wrong with that.

Just talk first.
Sign after.

Every situation is different, so check with your bank.

Did you and your co-borrower talk about this before signing?

20/07/2026

𝗟𝗼𝗮𝗻 𝗱𝗲𝗹𝗮𝘆𝗲𝗱 𝗶𝗻 𝗝𝘂𝗹𝘆? 𝗥𝗲𝗮𝗱 𝘁𝗵𝗶𝘀 𝗯𝗲𝗳𝗼𝗿𝗲 𝘆𝗼𝘂 𝗽𝗮𝗻𝗶𝗰.

SSM switched to a new system this month.
The registry went down for a few days. Filings queued up.

Here's what it means for your business loan:

𝟭. 𝗧𝗵𝗲 𝗱𝗲𝗹𝗮𝘆 𝗺𝗮𝘆 𝗻𝗼𝘁 𝗯𝗲 𝗮𝗯𝗼𝘂𝘁 𝘆𝗼𝘂
Banks need SSM records to process business financing.
When SSM is slow, everything downstream slows.

𝟮. 𝗬𝗼𝘂𝗿 𝗰𝗿𝗲𝗱𝗶𝘁 𝗿𝗲𝗰𝗼𝗿𝗱 𝗶𝘀 𝗳𝗶𝗻𝗲
CCRIS is Bank Negara's system. It was never down.
A July delay is not a black mark.

𝟯. 𝗧𝗵𝗲 𝘀𝗹𝗼𝘄𝗻𝗲𝘀𝘀 𝗵𝗮𝘀 𝗮𝗻 𝗲𝗻𝗱 𝗱𝗮𝘁𝗲
The new system goes offline nightly, 10pm to 6am, until 2 August.
After that, things should normalise.

𝟰. 𝗢𝗻𝗲 𝘁𝗵𝗶𝗻𝗴 𝘄𝗼𝗿𝘁𝗵 𝗱𝗼𝗶𝗻𝗴
Ask your banker if any document needs resubmitting.
That's it. No need to restart the whole application.

· · ·

If you know someone whose loan is stuck this month, send this to them.

Was your application caught in the switch? Share below.

19/07/2026

𝗙𝗿𝗼𝗺 𝟮𝟬𝟮𝟳, 𝘆𝗼𝘂𝗿 𝗯𝗮𝗻𝗸 𝗱𝗮𝘁𝗮 𝗰𝗮𝗻 𝗺𝗼𝘃𝗲. 𝗕𝘂𝘁 𝗼𝗻𝗹𝘆 𝗶𝗳 𝘆𝗼𝘂 𝘀𝗮𝘆 𝘆𝗲𝘀.

Maybe you saw the news already.

"Banks will share customer data from 2027."

Sounds scary, right?

Here's the part most people miss.

Bank Negara's Open Finance plan is consent-based.

Your data only moves when you allow it.

You choose who sees it.

You never agree? Nothing moves.

So why would anyone say yes?

One example.

Today, a loan application means printing statements, scanning, sending PDFs one by one.

Under this plan, you can let your bank send the records directly.

Faster, fewer mistakes.

Big banks are expected to go first, January 2027.

Still a proposal for now.

Nothing to do today.

Just don't let the headline scare you.

Would you allow it, or you prefer to keep things manual?