kelviny118
Fun Poster
- Messages
- 563
- Joined
- Mar 29, 2012
- Messages
- 563
- Reaction score
- 0
- Points
- 10
Personal Loan from Bank :
- Interest starting from 0.6% per month*
- Amount up to RM150,000*
- Repayment period up to five(5) years*
- Fast and hassle-free application*
- No guarantor required*
- No collateral required*
- Fast approval*
- We able to adjust your high commitment problem*
- HIGHER approval rate compare walk-in*
We represent 11 Banks in total:
- Standard Chartered Bank
- RHB Bank
- HSBC Bank
- Hong Leong Bank
- UOB Bank
- CIMB Bank
- OCBC Bank
- MAYBANK
- Alliance Bank
- MBF Finance
- Diners Club
CLEAR CREDIT CARD**? BUSINESS? RENOVATION? WEDDING? SETTLE DEBTS? SELF-EMPLOYED?CAR/HOUSE DOWNPAYMENT?
**We offer a HIGH % CHANCES Bank Personal Loan that DOES NOT need any guarantor and collateral.
**The interest rates ranges from 7-12% per annum(can still be lowered!) as it depends on the bank.
**However, we can fight for you to get the LOWEST interest and HIGHEST amount until you're satisfied with the amount. LESS documentation needed.
**The amount you can loan is depends on your Credit Card Limit / Salary. BUT DON'T WORRY, WE WILL MAKE SURE YOU GET THE HIGHEST AMOUNT AS POSSIBLE.
For Business Loans from Bank :
** Looking to expand your current / existing business to a more different level, enhance your business capital, getting a new commercial lot ?
** I can help you on it !!!
- Big amount of loan up to MIL*
- Chances of getting approve is high*
- No upfront fees !!*
**Do you qualify for the Business Loan ?
- Company has been operating for 2-3 years*
- Sales / Turnover per month at least RM 80,000* (Recommended RM 100k)
- Turnover around 1 mil for 12 months*
New Housing Loan & Housing Loan Refinancing :
I PROVIDE MORTGAGE AND LOAN CONSULTATION AS WELL. I HAVE LIST OF BANK PANELS THAT WILL BE ABLE TO HELP YOU DECIDE THAT PROVIDES BETTER INTERESTED RATES AND HIGHER MARGIN.
**I am here to answer all your inquiries and proposing the most appropriate solution if you needed to do a refinancing to obtain a better rate and cash for future investment or other purpose.
**Before the loan process, i will first accessed your financial situation and advise accordingly using the Processing Department formula to calculate whether your loan can be approved and if not provide a solution for the loan to be approved.
**Having problem with Housing Loan / Refinance ?
**Got rejected by Banks...for whatever reasons ??
**I can help you to solve all the problems that you're having !
Panel of Banks :
- Alliance Bank
- OCBC Bank
- Hong Leong Bank
- MAYBANK
- Am Bank
New Housing Loan :
~ Able to help you get it even if you have a negative record*
~ Outstation provided as well*
~ Fast approval*
~ Low and attractive interest rate*
~ High margin of finance*
Housing Loan Refinance :
~ Low and attractive interest rate*
~ High margin of finance up to 90%*
~ Fast approval*
~ LOWER your current INTEREST with the Bank*
~ Refinance existing property to SAVE INTEREST / CASH OUT !*
Loan Size :
RM100k - <RM200k
*BLR-2.25%
RM200k - <RM500k
*BLR-2.35%
RM500k and above
*BLR-2.4% / *BLR-2.5%
The margin that you intent to finance :
- Residential Property : MAX 90% + 5% (MDTA Financing)
- Commercial Property : MAX 80% + 5% (MDTA Financing)
- Pre-approval is available.
- Refinancing : Can finance up to 90% based on the market value even this is your 3rd house loan.
DOCUMENTS REQUIRED :
1. Applicant(s) photocopy IC*
2. Booking Receipt / Form / Sales Intent Form / Sales and Purchase Agreement (S&P/SPA)*
3. Employee: 3 months pay slips / Commission Earner : 6 months pay slips / Self Employed: All business registration documents*
4. Letter Offer*
5. Personal Income Statement*
6. S & P Agreement*
7. Title (for new property)
How does Refinancing works ?
An example:
Year 2005
Market value: RM250,000
MOF: 90%
Loan: RM225,000
Tenure: 30 years
Interest rate: 5.99% fixed rate*
Installment: RM1,347.54 per month starting 1st jan 2005
Balance as per 2012: RM197446.86
Year 2012
Market value: RM500,000 (increase due to current market price)
MOF: 90%
Loan: RM450,000
Tenure: 30 years
Interest rate: BLR-2.3%
Installment: RM2,226.92 per month starting now
Loan outstanding as 2012: (RM197,446.86)
Method A: Cash Out Option
New loan outstanding: RM450,000
RM 197,446.86 settle loan. Remaining RM 252,553.14k for financial planning or other purpose
Monthly installment:
RM2,226.92*
Method B: Non Cash Out Option*
Loan outstanding: Remained at RM197446.86*
Monthly installment:
RM979.85 @ 30 years tenure or RM 1231.37 @ 20 years tenure
(Compared with RM1,617.05 before refinancing)
Credit Card Restructure ( EPP ) :
- Convert debt to EPP (Easy Payment Program)*
- Payment of debts made to the Bank*
- Debt divided (up to 3 years)*
Why EPP ?
~ Blacklist customer which have credit card provided active can do EPP for settlement of debts, etc.
~ Restructure customer’s existing credit card outstanding balance to “0% interest free” Easy Payment Program (EPP) up to 3 years monthly installment.
~ Facilitate the EPP approval and once approved, the company will make settlement of card outstanding balance.
~ Charge the restructuring amount to the card and convert to EPP (balance transfer), lowering your monthly payments and helping you save on the interest.
Why do you Restructure Your Credit Card ?
~ Save on interest payment up to 12% per annum when you lower your annual interest rate from 18% to 6%.*
~ Reduce monthly commitment of up to 40% reduction*
~ Can help you pay off your credit card debts to within 2 to 3 years*
~ Pay as low as RM50 per month only*
~ Avoid getting blacklisted.
~ Maintaining a good record without getting in CCRIS or CTOS record.
~~ Need urgent cash? Restructuring your debt means that you now have available spending limit on your card. This money can be use for investment, business rolling, paying off other debts, emergency usage or etc.
Terms and Conditions
- Guaranteed approval provided your card is still active.
- Card “blocked” by the issuing bank is not eligible for restructuring.
- No handling fees, no processing fees and no hidden charges
- Does NOT require credit bureau CCRIS or CTOS check!
Applying a New Credit Card !
~ I can help you get the Credit Card as well if you can't get it from the banks !
~ Just let me know whenever you face any rejections from banks !
**Well, I'm a Personal Financial Consultant for several Banks, the chances of getting the loan approve is high, because I've connections with the Bankers directly which is specialized in Personal Loans / Business Loans / Housing Loan Refinancing (Mortgage) / EPP.
We will advise or give opinion about your financial problem
For more further information, kindly call or sms, WhatsApp or PM me at 010 - 289 9902 ( Kelvin Yong ).
Regards. A pleasure to help : )
- Interest starting from 0.6% per month*
- Amount up to RM150,000*
- Repayment period up to five(5) years*
- Fast and hassle-free application*
- No guarantor required*
- No collateral required*
- Fast approval*
- We able to adjust your high commitment problem*
- HIGHER approval rate compare walk-in*
We represent 11 Banks in total:
- Standard Chartered Bank
- RHB Bank
- HSBC Bank
- Hong Leong Bank
- UOB Bank
- CIMB Bank
- OCBC Bank
- MAYBANK
- Alliance Bank
- MBF Finance
- Diners Club
CLEAR CREDIT CARD**? BUSINESS? RENOVATION? WEDDING? SETTLE DEBTS? SELF-EMPLOYED?CAR/HOUSE DOWNPAYMENT?
**We offer a HIGH % CHANCES Bank Personal Loan that DOES NOT need any guarantor and collateral.
**The interest rates ranges from 7-12% per annum(can still be lowered!) as it depends on the bank.
**However, we can fight for you to get the LOWEST interest and HIGHEST amount until you're satisfied with the amount. LESS documentation needed.
**The amount you can loan is depends on your Credit Card Limit / Salary. BUT DON'T WORRY, WE WILL MAKE SURE YOU GET THE HIGHEST AMOUNT AS POSSIBLE.
For Business Loans from Bank :
** Looking to expand your current / existing business to a more different level, enhance your business capital, getting a new commercial lot ?
** I can help you on it !!!
- Big amount of loan up to MIL*
- Chances of getting approve is high*
- No upfront fees !!*
**Do you qualify for the Business Loan ?
- Company has been operating for 2-3 years*
- Sales / Turnover per month at least RM 80,000* (Recommended RM 100k)
- Turnover around 1 mil for 12 months*
New Housing Loan & Housing Loan Refinancing :
I PROVIDE MORTGAGE AND LOAN CONSULTATION AS WELL. I HAVE LIST OF BANK PANELS THAT WILL BE ABLE TO HELP YOU DECIDE THAT PROVIDES BETTER INTERESTED RATES AND HIGHER MARGIN.
**I am here to answer all your inquiries and proposing the most appropriate solution if you needed to do a refinancing to obtain a better rate and cash for future investment or other purpose.
**Before the loan process, i will first accessed your financial situation and advise accordingly using the Processing Department formula to calculate whether your loan can be approved and if not provide a solution for the loan to be approved.
**Having problem with Housing Loan / Refinance ?
**Got rejected by Banks...for whatever reasons ??
**I can help you to solve all the problems that you're having !
Panel of Banks :
- Alliance Bank
- OCBC Bank
- Hong Leong Bank
- MAYBANK
- Am Bank
New Housing Loan :
~ Able to help you get it even if you have a negative record*
~ Outstation provided as well*
~ Fast approval*
~ Low and attractive interest rate*
~ High margin of finance*
Housing Loan Refinance :
~ Low and attractive interest rate*
~ High margin of finance up to 90%*
~ Fast approval*
~ LOWER your current INTEREST with the Bank*
~ Refinance existing property to SAVE INTEREST / CASH OUT !*
Loan Size :
RM100k - <RM200k
*BLR-2.25%
RM200k - <RM500k
*BLR-2.35%
RM500k and above
*BLR-2.4% / *BLR-2.5%
The margin that you intent to finance :
- Residential Property : MAX 90% + 5% (MDTA Financing)
- Commercial Property : MAX 80% + 5% (MDTA Financing)
- Pre-approval is available.
- Refinancing : Can finance up to 90% based on the market value even this is your 3rd house loan.
DOCUMENTS REQUIRED :
1. Applicant(s) photocopy IC*
2. Booking Receipt / Form / Sales Intent Form / Sales and Purchase Agreement (S&P/SPA)*
3. Employee: 3 months pay slips / Commission Earner : 6 months pay slips / Self Employed: All business registration documents*
4. Letter Offer*
5. Personal Income Statement*
6. S & P Agreement*
7. Title (for new property)
How does Refinancing works ?
An example:
Year 2005
Market value: RM250,000
MOF: 90%
Loan: RM225,000
Tenure: 30 years
Interest rate: 5.99% fixed rate*
Installment: RM1,347.54 per month starting 1st jan 2005
Balance as per 2012: RM197446.86
Year 2012
Market value: RM500,000 (increase due to current market price)
MOF: 90%
Loan: RM450,000
Tenure: 30 years
Interest rate: BLR-2.3%
Installment: RM2,226.92 per month starting now
Loan outstanding as 2012: (RM197,446.86)
Method A: Cash Out Option
New loan outstanding: RM450,000
RM 197,446.86 settle loan. Remaining RM 252,553.14k for financial planning or other purpose
Monthly installment:
RM2,226.92*
Method B: Non Cash Out Option*
Loan outstanding: Remained at RM197446.86*
Monthly installment:
RM979.85 @ 30 years tenure or RM 1231.37 @ 20 years tenure
(Compared with RM1,617.05 before refinancing)
Credit Card Restructure ( EPP ) :
- Convert debt to EPP (Easy Payment Program)*
- Payment of debts made to the Bank*
- Debt divided (up to 3 years)*
Why EPP ?
~ Blacklist customer which have credit card provided active can do EPP for settlement of debts, etc.
~ Restructure customer’s existing credit card outstanding balance to “0% interest free” Easy Payment Program (EPP) up to 3 years monthly installment.
~ Facilitate the EPP approval and once approved, the company will make settlement of card outstanding balance.
~ Charge the restructuring amount to the card and convert to EPP (balance transfer), lowering your monthly payments and helping you save on the interest.
Why do you Restructure Your Credit Card ?
~ Save on interest payment up to 12% per annum when you lower your annual interest rate from 18% to 6%.*
~ Reduce monthly commitment of up to 40% reduction*
~ Can help you pay off your credit card debts to within 2 to 3 years*
~ Pay as low as RM50 per month only*
~ Avoid getting blacklisted.
~ Maintaining a good record without getting in CCRIS or CTOS record.
~~ Need urgent cash? Restructuring your debt means that you now have available spending limit on your card. This money can be use for investment, business rolling, paying off other debts, emergency usage or etc.
Terms and Conditions
- Guaranteed approval provided your card is still active.
- Card “blocked” by the issuing bank is not eligible for restructuring.
- No handling fees, no processing fees and no hidden charges
- Does NOT require credit bureau CCRIS or CTOS check!
Applying a New Credit Card !
~ I can help you get the Credit Card as well if you can't get it from the banks !
~ Just let me know whenever you face any rejections from banks !
**Well, I'm a Personal Financial Consultant for several Banks, the chances of getting the loan approve is high, because I've connections with the Bankers directly which is specialized in Personal Loans / Business Loans / Housing Loan Refinancing (Mortgage) / EPP.
We will advise or give opinion about your financial problem
For more further information, kindly call or sms, WhatsApp or PM me at 010 - 289 9902 ( Kelvin Yong ).
Regards. A pleasure to help : )
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