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When can I start applying for new facilities?

You can start applying for new unsecured credit facilities:

  • with another financial institution (non-DCP financial institution) once your overall BTI reduces to or below 8 times your monthly income; or
  • with the DCP financial institution once your overall BTI reduces to or below 4 times your monthly income


Note: BTI = Aggregate interest-bearing unsecured outstanding balance ÷ monthly income.

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