How your screening works.

The free screening provides preliminary website planning views based only on the basic figures entered. It is designed to support a more focused conversation with a SunLiTe adviser.

It is not an application, offer, confirmed amount, external-provider decision or personalised financial plan.

The website estimates the card monthly commitment as 5% of total card outstanding. It adds the monthly personal-financing payment and other monthly facility payments entered.

Estimated current DSR equals that estimated monthly commitment divided by net monthly income. The displayed bands are planning references, not external-provider rules.

Card and personal-financing outstanding balances are shown as commitment context. Personal-financing outstanding does not change the public DSR calculation; the related scheduled monthly payment is the commitment used.

Outside the review band, the range uses monthly room under a 60% public planning reference below RM4,500 net income and a 70% reference above RM5,500. Between RM4,500 and RM5,500, the reference gradually blends from 60% to 70% so a small income difference does not create an artificial jump in the displayed estimate.

The conversion uses an age-adjusted term up to seven years, 8%-12% flat-rate illustrations, a RM5,000 display minimum and a RM200,000 display maximum. The age range is 21-59.

Work profile and time in the current profile influence the review message, but the public amount calculation is still a simplified planning estimate.

The monthly commitment summary organises the 5% card-payment proxy, scheduled personal-financing payment and other monthly facility payments entered. Outstanding balances are displayed as context and are not converted into a proposed or agreed DRP repayment.

The DRP Consultation Indicator appears automatically with the financing view after a valid submission. It compares estimated current DSR with the website's lower and upper planning references and identifies a lower, review or higher commitment-stress signal. It does not determine whether DRP is suitable or available and does not calculate a DRP repayment offer.

Separate 1.5% monthly illustration

For positive card or personal-financing balances, a separate what-if illustration calculates (card outstanding + personal-financing outstanding) × 1.5%, plus other monthly facilities unchanged. The 1.5% is a website monthly-payment assumption, not an interest rate, provider term or available programme.

The assumed balance portion replaces the card proxy and personal monthly payment for this illustration only; it does not add them twice. Its DSR divides the illustrated monthly total by the net income entered. No term, fees, interest or provider agreement has been assessed. Actual payments may be higher or lower. Do not change scheduled payments based on this illustration. No balance illustration is shown when both relevant outstanding balances are zero.

SunLiTe provides advisory guidance only. It does not negotiate, restructure or reschedule existing credit agreements, decide whether DRP is suitable or available, or receive and distribute repayments. An adviser can explain the summary and the limits of this website view.

• Full credit history or credit-report details
• Household circumstances, dependants and living expenses
• Every debt, arrears position, asset or liability
• Purpose, documents, collateral or property valuation
• External-provider policy, assessment or current terms
• Information that was omitted or entered inaccurately

The calculation runs in your browser. Entered amounts are not placed in the prepared WhatsApp message, analytics, browser storage or the page URL.

If you later request an adviser review, the WhatsApp link contains only a general follow-up message. You choose what to share after that.

Review the financing planning range, commitment summary and any separate DRP planning indicator. Check the assumptions and ask a SunLiTe adviser to explain the wider picture before making a decision.