Simplified Repayments
Manage multiple financial commitments through a single repayment structure, making it easier to keep track of your finances.
Debt Consolidation
Overview
Assess your commitments with greater clarity.
At DAS Advisory, we help clients assess their current financial commitments and explore suitable debt consolidation solutions based on their individual circumstances and financial goals.
Lower Monthly Commitments
By restructuring existing obligations over a suitable tenure, monthly repayments may become more manageable.
Better Cash Flow Management
Reducing monthly financial pressure can help create greater flexibility for day-to-day expenses and future planning.
Improved Financial Organisation
Consolidating debts into one facility can provide a clearer overview of your commitments and repayment strategy.
Example Scenario
How monthly commitments may be simplified.
This example shows how several repayments may be combined into a single consolidated repayment structure.
Debt Consolidation
See how it works
This example shows how several repayments may be combined into a single consolidated repayment structure.
Before
Multiple monthly commitments
Commitment
Monthly Payment
Personal Loan
RM933/month
Credit Card Commitments
RM2,500/month
Total Monthly Commitment
RM3,433/month
- Multiple due dates and repayment amounts
- Higher monthly cash flow pressure
- Less visibility over repayment planning
After
Single structured repayment
Single Consolidated Repayment
RM975/month*
Estimated Monthly Savings
RM3,433 → RM975
Potential Reduction: RM2,458/month
- One consolidated repayment
- More manageable monthly commitment
- Clearer repayment tracking
What You Can Use It For
Home Renovation
Business Cash Flow
Debt Consolidation
Education
Emergency Fund
Illustration only. Actual financing terms, repayment amounts, and eligibility are subject to individual assessment and approval.
Common Commitments
Financial obligations that may be consolidated.
Debt consolidation suitability depends on individual circumstances, existing commitments, and financial institution assessment criteria.
Credit Card Balances
Review outstanding credit card commitments that may be suitable for consolidation.
Personal Loans
Assess existing personal loan repayments within your overall financial profile.
Hire Purchase Commitments
Evaluate eligible hire purchase obligations as part of the commitment review.
Other Eligible Obligations
Explore whether other financial obligations may be included, subject to assessment.
Frequently Asked Questions
Common questions about debt consolidation.
These answers give you a clearer understanding before starting a consultation.
What is debt consolidation?
Debt consolidation combines multiple financial commitments into a single repayment structure, making them easier to manage.
Can I consolidate both personal loans and credit card balances?
Depending on your financial profile and eligibility, multiple financial commitments may be consolidated into one financing arrangement.
Will debt consolidation lower my monthly repayments?
The outcome varies based on your financial profile, financing structure, and approved terms.
Will debt consolidation affect my credit profile?
Debt consolidation itself does not negatively affect your credit profile. Maintaining timely repayments remains an important factor in building a healthy credit record.
How do I know if debt consolidation is suitable for me?
Our consultants can review your current financial commitments and help assess whether debt consolidation may be a suitable option based on your circumstances.
Let's Discuss Your Financing Goals
Start with a free consultation and complimentary CTOS check, and we'll guide you every step of the way.