Malaysia AKPK Debt Management Program Calculator
Calculate AKPK Debt Management Programme (DMP) eligibility. Estimate restructured monthly repayment, payoff timeline, and interest savings vs CCRIS default.
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AKPK (Agensi Kaunseling dan Pengurusan Kredit) is the Bank Negara Malaysia-backed credit counselling agency offering the free Debt Management Programme (DMP). DMP restructures unsecured debt (credit cards, personal loans) with banks at lower interest rates (typically 7-9% vs 15-18% market rate) and extended tenures up to 10 years.
Who Qualifies for AKPK DMP
Eligibility requirements: Malaysian citizen with regular income, total unsecured debt of at least RM5,000, debt-to-income ratio above 4× monthly income, no current bankruptcy proceedings, and demonstrable disposable income to afford the restructured payment. DMP is specifically designed for borrowers struggling with multiple high-interest credit card and personal loan obligations — not for mortgage or hire-purchase debt (which are secured and follow different restructuring channels).
How DMP Restructuring Works
AKPK negotiates collectively with all your participating banks to: (1) freeze new interest accrual at a uniform low rate (typically 7-9%), (2) extend repayment tenure to 5-10 years, (3) consolidate all payments into one monthly amount paid through AKPK to creditors, (4) pause collection calls and late fees during enrolment. Banks typically agree because DMP recovers principal in full vs likely losses from default or bankruptcy. You make ONE payment monthly; AKPK distributes to creditors per the agreed plan.
DMP Impact on CCRIS and Future Credit
Enrolment in DMP is recorded on your CCRIS report under 'Restructured' status — not default. This is significantly better than missed payments or default, both of which permanently damage credit. During DMP you cannot take new credit cards or unsecured loans, but can apply for housing loans subject to bank discretion. Upon completion, your CCRIS reflects 'Restructured Account Closed' which lenders view favourably vs an unresolved default. Source: AKPK Annual Report and Bank Negara Malaysia Credit Counselling Guidelines.