Solve Your Loan, Then Build Your Wealth — The STS Way
Our programmes are designed for clarity, stability & long-term asset growth. Whether you're stuck, rebuilding or upgrading — there is a structured path for you.
Debt-to-Asset Transformation
For Malaysians with high commitments, rejected loans or unstable profiles. We restructure debts, improve DSR and prepare you for long-term wealth instead of financial stress.
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Mortgage / Refinance Optimisation
For property owners wanting to reduce instalment, release cash or strengthen their loan profile. We analyse bank options & build the safest long-term route.
Check my property options
Personal Loan & Debt Consolidation Service
For individuals with multiple loans, high monthly commitments or rising interest costs. We compare personal loan, balance transfer and consolidation options to reduce instalments, simplify repayments and stabilise your cashflow — safely.
Check my consolidation optionsAdditional Solutions for Specific Situations
Complementary solutions that fine-tune your profile, protect your cashflow and prepare you for the next stage of your financial journey.
Review and tidy up CCRIS & CTOS issues, improve utilisation and payment pattern, and prepare a cleaner report for future applications without risky shortcuts.
For those with too many instalments every month. We explore consolidation, tenure adjustment and restructuring to reduce pressure while keeping your long-term plan safe.
We map your income, DSR and documents to the right bank profile, so your first home application is aligned with what banks actually want to see.
Independent comparison of bank personal loan, koperasi, balance transfer and mortgage refinance so you clearly see total cost, risks and impact before deciding.
For owners planning to upgrade or right-size. We review your current loan, equity, DSR and timeline so the move doesn’t trap you with over-commitment or rejected loans.
For those facing rejections or heavy commitments. We design a 3–6–12 month action plan to rebuild your score, stabilise cashflow and get you “bank-ready” again.
Not sure which programme you fit into?
Tell us a bit about your commitments and goals — we’ll suggest the safest starting point instead of you guessing between loans.
- ✔ High DSR / many loans → Debt-to-Asset review
- ✔ Want lower instalment → Refinance / consolidation options
- ✔ Business income mixed → SME & owner structuring
- ✔ Confused or stuck → Let STS map out your paths
Office:
15-3, Jalan Anggerik Vanilla BE 31/BE, Kota Kemuning Seksyen 31, 40460 Shah Alam, Selangor Darul Ehsan.
Call :
011-27616073
Email:
