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Time and Hassle Free- Stuck with too many or multiple bank loans, credit card debt and/or personal loan?
- Cannot secure high margin of financing (80% or 90%) from banks for your next property purchase, particularly residential property, due to holding 2 or more housing loan?
- Facing bank loan rejections from banks due to high credit card debt?
- Cannot refinance your existing housing loan due to high commitment as a result of banks' strict lending guideline in adopting 10-year tenure?
- Paying high interests for your current debt commitment?
If you are suffering from one or any of the above, you are certainly not alone. Many Malaysians have in fact fallen into the same trap as at now. After all, Malaysia is being "boosted" with one of the highest loan to GDP ratio in Asia, and that is why Bank Negara had to take stern actions to curb the over zealousness of property purchase!
Just to clarify...credit card debt encompasses everything from quick/advance cash facility, Balance Transfer and installment pay plan. Yes, while you may be attracted by various merchants to buy your dream sofa or latest mobile phone or most advance TV using the zero interest installment pay plan, they are not totally FREE as they come with a hidden cost! These things will appear in your CCRIS as debt, regardless of whether you settle fully or partially every month!
Until recently, refinancing was the theme for many property investors as they could easily extract their excess equity from their existing properties to finance their next purchase but this is no longer easy today. This is because banks have imposed strict assessment guideline for refinancing, using only 10-year loan tenure, and as a result, many would have been disqualified.
WHAT IF I TELL YOU I HAVE AN IDEAL SOLUTION FOR YOU?
That is, for example...
NO MORE 10-year loan tenure assessment guideline
YOU CAN STILL BORROW AS MUCH AS 80% MARGIN OF FINANCING, EVEN IF YOU HAVE MORE THAN 2 HOUSING LOAN
Sounds too good to be true?
Well, it is only true if you know how to do it.
The key phrase here is called "DEBT CONSOLIDATION".
In your mind, you must be thinking it must be some kind of Personal Loan initiative to do Debt Consolidation....After all, I have googled around and the end result seems to focus only on using personal loan as the means. To me, using Personal Loan is only a short term measure, and only effective in covering small amount or short term loan, and comes with a high cost (interests) too.
NO, IT IS NOT PERSONAL LOAN.
OUR SOLUTION IS HOME LOAN. Yes, you hear it right! The one that everyone loves!
More detail in my next post...
Just to clarify...credit card debt encompasses everything from quick/advance cash facility, Balance Transfer and installment pay plan. Yes, while you may be attracted by various merchants to buy your dream sofa or latest mobile phone or most advance TV using the zero interest installment pay plan, they are not totally FREE as they come with a hidden cost! These things will appear in your CCRIS as debt, regardless of whether you settle fully or partially every month!
Until recently, refinancing was the theme for many property investors as they could easily extract their excess equity from their existing properties to finance their next purchase but this is no longer easy today. This is because banks have imposed strict assessment guideline for refinancing, using only 10-year loan tenure, and as a result, many would have been disqualified.
WHAT IF I TELL YOU I HAVE AN IDEAL SOLUTION FOR YOU?
That is, for example...
NO MORE 10-year loan tenure assessment guideline
YOU CAN STILL BORROW AS MUCH AS 80% MARGIN OF FINANCING, EVEN IF YOU HAVE MORE THAN 2 HOUSING LOAN
Sounds too good to be true?
Well, it is only true if you know how to do it.
The key phrase here is called "DEBT CONSOLIDATION".
In your mind, you must be thinking it must be some kind of Personal Loan initiative to do Debt Consolidation....After all, I have googled around and the end result seems to focus only on using personal loan as the means. To me, using Personal Loan is only a short term measure, and only effective in covering small amount or short term loan, and comes with a high cost (interests) too.
NO, IT IS NOT PERSONAL LOAN.
OUR SOLUTION IS HOME LOAN. Yes, you hear it right! The one that everyone loves!
More detail in my next post...
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