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Personal Financing

Welcome to our personal finance consulting service! At CONSFIELD CF HOLDINGS SDN. BHD., we are committed to helping you achieve your personal financial goals. Whether you need help creating a budget, settling your medical bills, renovating your new sweet home, generating extra cash for your business rolling, to apply a bank loan, we are here to provide expert guidance and support.

Our team of financial consultants has years of experience helping individuals and families make informed decisions about their money. We understand that everyone's financial situation is unique, which is why we take a personalized approach to each client's needs. We offer a range of services to help you achieve financial success, including one-on-one consultations, financial planning, and portfolio management. Our goal is to empower you to make smart financial decisions that will enable you to live the life you want.

When it comes to applying for a bank loan, we understand that the process can be overwhelming and confusing. That's where we come in. Our team of experts can guide you through the process, helping you to identify the right loan for your needs and ensuring that your application is complete and accurate. We don't provide loans ourselves, but we can provide you with the tools and resources you need to successfully apply for a bank loan. From understanding the different types of loans available, to determining your eligibility, to completing the application process, we'll be there every step of the way.

Contact us today to learn more about how we can help you achieve your financial goals, including successfully applying for a bank loan.

Below are some personal finance tips that might helps you:

  • Check your credit score:
    Before applying for a personal loan, it's important to know your credit score. Banks usually consider credit scores when evaluating loan applications, and a good score can increase your chances of approval. If your credit score is low, consider taking steps to improve it before applying for a loan.

  • Compare interest rates and fees:
    Different banks offer different interest rates and fees for personal loans. It's important to compare these rates and fees from different banks to find the best deal. Keep in mind that interest rates can vary depending on factors like the loan amount, loan duration, and credit score.

  • Know the loan terms and conditions:
    Before signing up for a personal loan, make sure you fully understand the loan terms and conditions. Pay attention to details like the interest rate, repayment period, and any fees or penalties for late payments or early repayment. If you have any questions or concerns, ask your bank or financial consultant.

  • Gather all required documents:
    To apply for a personal loan, you'll need to provide certain documents like proof of income, identity, and address. Make sure you have all the necessary documents ready before applying to avoid delays or complications.

  • Be realistic about your repayment ability:
    When applying for a personal loan, it's important to be realistic about your ability to repay the loan. Consider factors like your income, expenses, and other debts you may have. Don't borrow more than you can afford to repay, as this could lead to financial difficulties down the road.

Our Proposal Step:


Approach & Fact Find
To KYC client’s profile, identify & discover a client’s situation & criterial before proceeding to
next step.


Analysis & Problem Solving
We have a back-end team to analyze & rectifying client’s problem, measure potential risk and
provide genuine opinions before the consultant propose to our client by understanding client’s


Presentation & Assurance
Once our consultant finalizes the financial plan, they will send a proposal to our clients,
explain processing lead time, Pros & cons of the financial plan etc. To ensure our proposal fit to
the client’s need.


Liaise & Communication
Once client decided to engage with our services, we will start liaising with the relevant parties
to expedite the whole process, we will also follow up closely with the entire process.


Once documentation and everything are ready, we will submit the necessary application and
the result will be released soon. You will notify when the approval is right at the corner.


Final Approval
Once we got the approval, you will be informed via a message or calls from us or relevant
party. Meanwhile, our consultant will be still guiding you through the process till the end. 

CONSFIELD CF HOLDINGS SDN. BHD. established in 2020, is a financial consultancy company based in Johor Bahru, Johor, Malaysia.