MD Advisory

30/05/2026

💭 Be honest… what’s your BIGGEST financial worry right now?

We all have that one thing that keeps popping into our head at 2AM 😅

A️. Monthly commitments too high
B️. Difficult to save money
C️. Loan approval worries
D️. Not enough emergency funds
E️. Growing family expenses 👨‍👩‍👧‍👦

Drop your answer below 👇 or comment your own if it’s not listed.

No judgment here — sometimes knowing what others struggle with reminds us we’re not alone 💙

Your answer might even help us create content that solves REAL Malaysian money problems 🇲🇾

28/05/2026

Running a business is not just about making sales — it’s about planning your cash flow wisely. 💼📊

Many business owners only look for financing when cash is already tight. Unfortunately, last-minute planning can become a big problem.

Why should businesses plan cash flow 6 months ahead?
✅ Prepare for slow sales periods
✅ Manage salaries, rental & supplier payments smoothly
✅ Build stronger financial records
✅ Increase confidence when applying for bank financing

What happens with last-minute planning? ⚠️
❌ Late payments may appear in bank records
❌ Financial statements may look unstable
❌ Existing commitments become too high
❌ Banks may see the business as “high risk”

Remember — banks do not only look at your current situation. They also look at your planning, consistency, and future cash management.

Good financial planning today creates more opportunities tomorrow. ✨

24/05/2026

❌ Why Do Bank Loans Get Rejected?

Many people think:
“I have income, why cannot approve?”

But in reality, banks look at more than just salary.

Here are some common reasons loan applications get rejected:

⚠ Poor CTOS / CCRIS record
⚠ High commitment ratio
⚠ Irregular income flow
⚠ Weak financial documents
⚠ Frequent late payments
⚠ Wrong loan structure

Good financial planning increases approval opportunities.

At MD Advisory, we help clients understand their financial profile and improve their chances before applying.

💡 Smart planning creates better financial opportunities.

📩 Message us for consultation.

23/04/2023

At MD Advisory, we understand the importance of this special occasion and are proud to offer amazing plans!

Whether you're looking to send duit raya to loved ones or treat yourself to the must-have gadget, our range of products and services will cater to your every need !

Happy celebration to all! Selamat Hari Raya 🌙

08/09/2021

【政府BKC援助金网站正式上线，快查询自己可否获得援助金】

BKC官网预计将会提供查询自己是受惠者的功能，也会让那些不在受惠名单中的人士提出上诉。BKC官网也能查询收到援助金的银行户口资料等等。

冠病特别援助金（BKC）是政府为了减轻人民生活负担所推出的援助金计划。通过BKC援助金计划，赤贫人士、B40低收入群体和M40中等收入群体都可获得援助金。

政府将会根据福利局（JKM）和电子关怀（eKasih）的资料库来派发援助金给赤贫群体。政府则会根据2021年人民关怀援助金（BPR）的资料库来派发BKC援助金给B40低收入群体。至于M40中等收入群体则会依据内陆税收局（LHDN）的所得税资料库来决定。

根据内陆税收局（LHDN）所发布的常见问题录中，
➡️月收入5000令吉或以下的家庭和乐龄人士将被归类为B40低收入家庭组别
➡️月入2500令吉或以下的单身者被归类为B40低收入个人组别。
➡️月收入5001至9000令吉的家庭将被归类为M40中等收入群体
➡️月入2501至5000令吉的单身者将被列为M40中等收入群体。

在首阶段的冠病特别援助金（BKC）中，
➡️赤贫家庭可获得500令吉、赤贫单身者可获得200令吉
➡️B40家庭可获得500令吉、B40单身者可获得200令吉
➡️M40家庭可获得250令吉和M40单身者可获得100令吉。

点击以下链接查询：

03/08/2021

Lesson that can't learn from school! 😛
How can I improve my credit score?
Here are some tips for you:
1. Be punctual - paying all your bills and monthly loan repayment on time
2. Keep promise - pay down credit card and personal loan account balances
3. Self discipline - limit yourself applying for new loan often
4. Increase value - increase credit card limit

【一些学校不会教你的小知识】
如何提高我的信用评分？
1. 守时 - 每个月准时支付你所有账单和贷款还款
2. 守信用 - 偿还信用卡与其他贷款余额
3. 自律 - 限制自己申请银行贷款的次数
4. 提升价值 - 提高信用卡额度

Just contact us if you need help on any financial advise.

14/07/2021

As the number of COVID-19 confirmed cases in Malaysia continues to increase, hope everyone can increase their awareness of fighting the pandemic.





At the same time, if you need enquiries about bank loans, you may contact us for help. Online services provided.

08/07/2021

08/07/2021

Welcome to MD Advisory 👍

We are honored to have served the people for three years of practical experience in financial advisor services. Our founder is a former banker with many years of experience in order to be able to increase the approval rate of applications.

Our services included:
1. Financial Report
2. Debt Management
3. Portfolio Management
4. Bank Loan Consultancy
5. Mortgage Loan Consultancy
6. House Refinance

We hope to help more people solve financial problems in the future.
If you are interested in knowing what new services we will have in the future, FOLLOW OUR PAGE NOW 😄