One-Stop Mortgage Services — Property Financing & Refinance
Bank doesn't approve? Let us offer you a solution. We specialize in custom property financing pathways engineered to bypass rigid traditional banking constraints and help you quickly meet urgent financial needs.
Bank doesn't
approve?
Let us offer you a
solution.
Wide Range of
Property Types Accepted
Commercial, residential, industrial properties, and titled land are all eligible.
Completed &
Unencumbered Assets
Accepts completed properties with valid CCC/CF certifications.
Low Existing
Mortgage Balance
Outstanding first mortgage balance within 25% of open market valuation.
Freehold &
Leasehold Eligible
Minimum 40-year remaining lease term required at application.
Regardless of CTOS or CCRIS records, no strict banking stress test is required — helping you unlock property equity and meet urgent financial needs quickly.
Apply NowWhy Choose PRESTIJ MAJU?
Customized alternatives engineered to bridge your liquidity requirements safely when standard banking channels fall short.
Fast Approvals & Rapid Disbursement
Skip the months-long traditional bank waiting times. We streamline the review process to deliver express funding when your business needs it most.
Tailored Repayment Flexibility
Customized repayment terms designed around your actual cash flow, helping you maximize property value without overburdening your operations.
100% Compliant, Secure & Transparent
Operating strictly under Malaysian lending regulations. All agreements are handled by professional legal counsel with zero hidden fees and total operational transparency.
Dedicated Customer Base:
Who is a good fit for Our Property-Backed Financing?
Self-employed, SME owners and freelancers
Without regular salary slips, tax receipts or EPF statements, it is difficult to pass the bank's complex income review.
Our SolutionNo income verification required. As long as you own a property, you can unlock its value quickly.
Property Owners who urgently need cash in a short period of time
Need funds for renovation, business, investment or emergency? Traditional bank approval may take weeks.
Our SolutionFast approval with a simple application process and quick disbursement.
Those with flawed credit records or poor CTOS / CCRIS ratings
If your loan applications were rejected due to credit history, we may still be able to help.
Our SolutionWe focus on the value of your property instead of relying solely on your credit score.
Complete the application in just a few simple steps
Apply online in 1 minute
Fill in the online application and submit the required documents through WhatsApp or Email.
3-Days Preliminary Approval
Processed immediately by our asset credit evaluation unit, yielding preliminary parameters inside 3 business days.
30-Days Disbursement
Execute final security documentation contracts in person. Approved financing amounts execute within 30 days.
Have Any Questions? Look Here
For Salaried Employees
- Identity: Copy of MyKad / NRIC (front and back)
- Property Title Copy
- Salary Slips: Latest 2 to 3 months’ payslips
- Income Verification (Provide at least one):
- Latest EPF statement
- Latest EA Form
- Latest BE Form with official tax receipt / e-Filing acknowledgement
- Latest 6 months’ bank statements showing salary credits
For Self-Employed Individuals
- Identity: Copy of MyKad / NRIC (front and back)
- Property Title Copy
- Business Proof:
- Copy of business registration documents (SSM, Form 9, 24, 49 or equivalent)
- Income/Financial Proof:
- Latest 6 months’ company and personal bank statements
- Latest Form B / e-Form B with official tax payment receipt / LHDN tax filing receipt
*Note. Additional corporate records or verifying financial statements may be requested for large financing facilities exceeding RM 500,000
For Salaried Employees
- Identity: Copy of MyKad / NRIC (front and back)
- Property Title Copy
- Salary Slips: Latest 2 to 3 months’ payslips
- Income Verification (Provide at least one):
- Latest EPF statement
- Latest EA Form
- Latest BE Form with official tax receipt / e-Filing acknowledgement
- Latest 6 months’ bank statements showing salary credits
For Self-Employed Individuals
- Identity: Copy of MyKad / NRIC (front and back)
- Property Title Copy
- Business Proof:
- Copy of business registration documents (SSM, Form 9, 24, 49 or equivalent)
- Income/Financial Proof:
- Latest 6 months’ company and personal bank statements
- Latest Form B / e-Form B with official tax payment receipt / LHDN tax filing receipt
*Note. Additional corporate records or verifying financial statements may be requested for large financing facilities exceeding RM 500,000
We run an express processing system. Get initial feedback within 3 days of sharing basic property info. Cash can be wired directly to your designated bank account within 30 days once finalized.
To qualify for Property-Backed Secured Financing, specific structural property parameters must be satisfied:
- Property must be located within Peninsular Malaysia (Northern, Central, and Southern regions).
- Eligible property variants include standard commercial designs, standard residential property units, standard industrial factories, and commercial / residential land.
- Applicable only to completed, unencumbered assets (holding valid Certificate of Fitness / Completion certifications for newer structures).
- The property’s remaining first-tier outstanding mortgage balance must sit comfortably below 25% of its total open market valuation.
- Both freehold and leasehold properties are accepted with a minimum remaining lease of 40 years required at the time of application.
- Important Notice: Financing is strictly for existing asset equity unlock purposes; we do not provide loans for new property purchases.
info.prestijmaju@gmail.com