New Mortgage Loan / Housing Loan Refinancing

[kelviny118]

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)



**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 : )