What Happens When You Engage STS Wealth Care
Instead of jumping straight into random loans, we go through a structured review of your income, commitments and goals — then design the safest path from high debt to healthier cashflow & assets.
5 Key Steps in the STS Process
From first WhatsApp message to final strategy, this is what actually happens behind the scenes.
You share your basic details so we can understand your current commitment level & risks.
- • Monthly income & commitments overview
- • Any recent rejections / CCRIS issues
- • Your goals: reduce instalment, cash-out, restructure etc.
We calculate your DSR, check red flags and see which direction is safer for you.
- • DSR calculation & capacity check
- • Commitments vs income stress level
- • Identify what banks are likely to see as “issue”
Instead of pushing one loan, we map out a few options with clear pros & cons.
- • Debt-to-Asset vs Refinance vs Consolidation
- • Bank / koperasi / structure combinations
- • Estimated instalment, timeline & impact to your CCRIS
Once you agree on a path, we assist you to prepare documents and work with the right partners.
- • Document checklist & guidance
- • Coordination with banks / legal / valuation where relevant
- • You stay updated on key milestones
After your case is completed, we don’t disappear — we look at how this supports your next 3–5 years.
- • Post-approval DSR & cashflow check
- • Suggestions for future property / asset moves
- • Ongoing touchpoint if your situation changes
- • Be honest about all existing loans, cards & commitments.
- • Share recent CCRIS / CTOS report if available (we can guide).
- • Tell us clearly what you want: lower instalment, approval for house, clear debts, etc.
- • Be reachable for clarifications during the analysis & submission stage.
- • Analyse your DSR & commitments with a bank-style view.
- • Suggest only legal, licensed routes — no ah long, no “swap IC” tricks.
- • Coordinate with bank / koperasi / legal partners where needed.
- • Protect your long-term profile instead of chasing one-time commission.
Ready to let someone “read” your loans properly?
Whether you are stuck, planning to refinance, or want to turn heavy commitments into assets, our first step is always the same: understand your real story, then design a path that matches it.
Office:
15-3, Jalan Anggerik Vanilla BE 31/BE, Kota Kemuning Seksyen 31, 40460 Shah Alam, Selangor Darul Ehsan.
Call:
011-27616073
Email:
[email protected]
Site:
www.stswealthcare.com
