对很多在马来西亚工作的年轻人来说，买房子需要的10%头期款是一笔不小的数目，可能需要存好几年。不过，这并不意味着你永远存不到这笔钱。如果你想知道如何尽快存到房子的头期款，以下是5个理财技巧和建议，供你参考。

In Malaysia, when applying for a home loan or other credit products, banks typically check the applicant’s credit history, including records from CCRIS (Central Credit Reference Information System) and CTOS. Your credit history and credit rating directly influence a bank’s decision on your loan application. If your CTOS credit score is low, don’t worry—there are ways to improve it gradually. Here are five key methods to help you increase your CTOS credit score.

在马来西亚，申请房屋贷款或其他信贷产品时，银行通常会查看申请人的信用记录，其中包括CCRIS（中央信用资讯系统）和CTOS。你的信用记录和信贷评级会直接影响到银行对你贷款申请的决策。如果你的CTOS信用分数不高，不必担心，因为有方法可以逐步改善它。下面是5个关键方法，可以帮助你提高CTOS信用分数。

Hiring the right employees is one of the most critical tasks for any business. The right hire can boost productivity, foster a positive workplace culture, and contribute to the overall success of the organization. Conversely, a poor hiring decision can lead to reduced morale, high turnover rates, and costly delays in achieving business objectives. This article outlines the key steps to help you make better hiring decisions.

In the dynamic world of entrepreneurship, success is not a mere stroke of luck. It’s a result of meticulous planning, consistent execution, and the flexibility to adapt. While passion and creativity are vital, a well-structured business plan lays the foundation for a successful business. This article explores key components that entrepreneurs should consider when planning their way to business success.

经过漫长的寻找，你终于找到了一处理想的房子。下一步，你需要从银行获得房屋贷款。然而，你有没有考虑过，如果银行拒绝了你的贷款申请，你该怎么办？
事实上，贷款申请的过程中总是存在银行可能拒绝的风险。虽然你无法百分百确保银行会批准你的房屋贷款，但以下四个方法可以显著提高你获得贷款批准的机会。

After a long search, you’ve finally found the perfect home. The next step is securing a home loan from the bank. But have you considered what might happen if the bank rejects your loan application?

The truth is, there’s always a risk of rejection during the loan application process. While you can’t guarantee a 100% approval rate, following these four methods can significantly improve your chances of getting approved.