http://forum.lowyat.net/ Fri, 24 Jul 2026 01:55:46 +0800 FeedCreator 1.7.2 http://forum.lowyat.net/topic/4266837 Hi,<br /><br />I need your opinion.<br /><br />My salary net is 5.5k<br />and below are my commitments <br /><br />Few CC total outstanding is RM50,000<br />Personal loan outstanding is RM40,000<br /><br />Those commitments make me pay every month around RM3460<br /><br />Apart from that I have house loan monthly is RM1912 (just started pay)<br />and car loan RM700 (around 4 years to go) balance is RM39,000<br /><br />I would like to lower down my monthly commitment how can I do so? I can’t apply another loan as my commitment is very high.<br /><br />Luckily my wife is working but can’t get loan under her name as she is from the Philippine. Her salary after epf and tax is around 3.5K.<br /><br />Since I can get any loan with lower interest to pay those CCs and PLs, should I go to AKPK? what are consequences if I go to AKPK? or should I talk to those banks first?<br /><br />Please advise me legal way to solve this issue. Thanks. dell123321 Finance, Business and Investment House Sat, 15 Apr 2017 17:24:41 +0800