What is CCRIS & CTOS?

To all HR Proprietors & Residents,

A good reading article for us to have a better understanding on CTOS as our management has subscribed to this service. A memo will be circulated to all HR residents on the implementation date.

Please spend a few minutes to read through.

— The Management —


I would like to share with all the readers’ very important information for everyone who would like to apply any type of loan facility from the banks. A lot of people must be wondering why some of their loan application being rejected. WHY?

Generally financial institution in Malaysia will look into applicant’s credit affordability through CCRIS (Central Credit Reference Information System) and CTOS (Credit Tip Off Service).

What is CCRIS?

CCRIS stands for Central Credit Reference Information System. CCRIS is a computer database of all creditors / borrowers which contains all their credit information. 
Mostly financial institution in Malaysia will submit monthly credit report of all their creditors / borrowers to Credit Bereau in Bank Negara Malaysia. There is about 9 millions of creditor’s information which is stored in the CCRIS system today. All the data will be process by Bank Negara Malaysia for a credit report which can be access by any financial institution when ever they require. CCRIS report will show all your total credits, interest charges and other outstanding charges for all loans that you have with any banks in Malaysia. From housing loan, personal loan, credit card, hire purchase and overdraft. Everything will appear in CCRIS. It will give an overview for the bank officer for financial capability of a person who is applying a new bank facility. CCRIS will also give the information on any summons or bankruptcy that being filed.

Financial institution usually will evaluate your credit limit with all outstanding loans, together your loan repayment track record. Generally all financial institution will reject your loan application if there is more than two (2) months loan repayment outstanding. Banks will also use the information to calculate your monthly commitment based on your monthly installment and total loan remaining. The information will also be used to calculate DSR (Debt Service Ratio). Some of the financial institution will also reject your bank facility if your DSR were at 50% or higher.

To get your credit report you can visit

Ground Floor, D Block, Jalan Dato’ Onn, Kuala Lumpur.
Tel: 1-300-88-5465 (1-300-88-LINK) (Overseas: 603-2174-1717)
Fax: 603-2174-1515 E-mail: bnmtelelink@ bnm.gov.my

Website : http://creditbureau.bnm.gov.my

What is CTOS?

CTOS stands for Credit Tip Of Service.
CTOS Sdn Bhd is an organization that collects information for summons and bankruptcy towards individual or company and the information will be registered into their electronic database. Reports will contains all information such as court file no, location, court order, name, ic no, case status and etc. You can say everything will be recorded in CTOS. Even for summons case, the same thing will be registered. EVERYTHING!!

You can get your CTOS report from:

CTOS Sdn Bhd (209649-U)
Unit A-8-4, 8th Floor, Megan Avenue 1,
No 189, Jalan Tun Razak, 50400 Kuala Lumpur,
Tel: 603-2770 8833 Fax: 603-2770 8834
Website: www.ctos.com.my

In conclusion, CCRIS and CTOS is the first step evaluation the bank officer from any financial institution before your loan application to be sent over for approval. It is advisable for applicants to at least service your existing loan for a 12 months period with no late payment or skipping any payment before you plan to take any new loan. The chances are much higher this way. To all people out there who are planning to take up new bank facility or new loan, please get your CCRIS and CTOS report clean before applying to save your time, energy and money.

Meeting Minutes are available for viewing and download

To all HR Proprietors & Residents,

The minutes for our 2nd JMB meeting(30-11-2016) is available for viewing.

The minutes for our 2nd AGM(13-11-2016), 1st Meeting Minutes(13-11-2016) & Emergency Meeting Minutes(16-11-2016) are available for viewing and download. Kindly visit the following for the download links ;


Note : You have to be a verified resident user in order to access the the link above. 

–The Management–

Swimming Pool & Wading Pool – Lightings upgraded to LED

To all HR residents,

We are pleased to announce that our Pools’ lightings upgrade to LED Project has been completed. The lighting fittings and seals have been replaced accordingly. No more exposed wires.
All with 1 year WARRANTY provided by Brilliant Pools.

So, please drop by during the night to enjoy the view.







–The Management–


Announcement – JMB 2016/17

Annoncement prior to the Minutes of AGM & that of the Committee Meeting 1-2016/17 who committee members are, namely:-

Teo Ming Chin – Chairman
David Lim – Secretary
Liew Chee Young – Treasurer
Wilfred Ling
Adrian Ng
Mohd Suhaimi Abdullah

… and that all motions at our AGM were passed unopposed, as vote of confidence in our committee.

This is to advise you that there was a nomination process malfunction to nominate Klaus Ian Lienau to the 2016/17 Joint Management Committee as per item 10 of the Notice of the 2nd Annual General Meeting, which would question the legitimacy. However, the JMB have appointed Klaus Ian Lienau as the advisor for MB related & other matters.

–The Management–

Pejabat Kesihatan Inspection & Fogging

Oops.. (Either you are not login or your status as resident is not verified)
We’re sorry, but this area is only for registered, logged in residents.
If you are a registered user, please login to the site.
If you have not yet registered, please register to become a member of this site.
For residents activation, please email proof of residents (SPA or Tenancy agreement) to admin@horizonresidence.com.my
If you have any questions, please contact us..