新山房屋再融资省利息 / 套现金

( Refinance/Top Up Loan)

Property Refinance Advisory

简单，容易，有效，可效仿Simple, Easy, Effective, Duplicable

新山房屋再融资省利息 / 套现金 ( Refinance/Top Up Loan)

付还了那么多年的房屋贷款，但是却发现贷款数额没有减少或是只减少了一些。让我们为你分析原因。 .

After paying so many years of installment and my home loan balance still not reducing or still reducing very slowly? 

请联系 Please Contact0167115717 Ivan Chua

新山房屋再融资省利息 / 套现金 ( Refinance/Top Up Loan)

债务重组 利息低至 4.45%-5.5%

Debts Restructure Interest as low as 4.45%-5.5%

请联系 Please Contact0167115717 Ivan Chua

或填写以下表格Or Fill up the form as below

https://docs.google.com/…/1tbD6RF1SNfYiI6dIJTma2u5…/viewform

可负责事项房屋贷款房屋保险拟写遗嘱基金投资

Panel Bank & Insurance Company

1) Cash Out Refinance Concept

当初买价 RM200k现在市价 RM500k立刻贷款 RM450k现在欠款 RM180k可以套现 RM270K

低利息，易申请。

2) PackageFully Flexi

If you have a flexi loan of RM300,000 and you’ve deposited RM100,000 into the linked current account, your loan interest will based on RM300,000 – RM100,000 = RM200,000.

most flexi loans do come with a fixed monthly fees (usually RM10 per month) to maintain the current account, 

2) PackageSemi Flexi

If you have a flexi loan of RM300,000 and you’ve deposited RM100,000 into the linked current account, your loan interest will still base on Loan Amount RM300,000.

most semi flexi loans do come with a withdrawal fee of RM50/RM100 per withdrawal if there is any access payment withdrawal done by borrower(s).

3) Interest Rate HLBB BR3.99%

Financing Amount Semi Flexi Fully Flexi

Up to RM100k 5.95% 6.00%

RM100k-RM200k 4.85% 4.90%

RM200k-RM300k 4.75% 4.80%

RM300k and above 4.65% 4.70%

Maybank BR3.2%

Financing Amount Semi/Fully Flexi

RM300k and above 4.45%

OCBC BR3.92%

Financing Amount Semi Flexi

Up to RM100k 5.05%

RM100k-RM300k 4.95%

RM300k and above 4.85%

Alliance Bank BR4.00%

Financing Amount Semi/Fully Flexi

Up to RM100k 5.05%

RM100k-RM200k 4.75%

RM200k-RM400k 4.65%

RM400k-RM1million 4.55%

RHB BR4.00%

Financing Amount Semi Flexi

Up to RM250k 5.05%

RM250k-RM400k 4.60%

RM400k-RM600k 4.55

RM600k-RM1million 4.5%

RM1million-RM2million 4.4%

RM2million and above 4.35%

Ambank BR3.99%

Financing Amount Semi/Fully Flexi

Up to RM200k 4.65%/4.75%/4.86%

RM200k and above 4.45%/4.50%/4.55%

AIA

Financing Amount Semi/Fully Flexi

RM100k and above 4.99% Fixed Rate

Refinancing/Top Up 需准备文件

Employee:

NRIC copy

Sales and Purchase Agreement / Title copy

Latest Housing Loan Statement

Letter Offer from previous bank

Latest 3 months pay slips

Latest 3 months personal bank statement ( to show salary credited as per pay slip)

Employment Letter

Latest KWSP statement

Latest Form B/BE with tax payment receipt acknowledgement

Refinancing/Top Up 需准备文件

Self –Employment:

NRIC copy

Sales and Purchase Agreement / Title copy

Latest 6 months Housing Loan Statement

Letter Offer from previous bank

Latest Form B/ BE with tax payment receipt acknowledgement.

Latest 6 months Company bank Statement.

Business Registration SSM

Refinancing/Top Up 需准备文件

Sdn Bhd

NRIC copy

Sales and Purchase Agreement / Title copy

Latest 6 months Housing Loan Statement

Letter Offer from previous bank

Latest Form B/ BE with tax payment receipt acknowledgement.

Latest 6 months Company bank Statement.

Business Registration SSM

Form 24 & 49

Latest Profit and Loss Statement

Memorandum of Article

Refinancing/Top Up 需准备文件For Malaysian working in Singapore

Employee:

NRIC copy or Passport

Working Permit/PR

Sales and Purchase Agreement / Title copy

Latest 6 months Housing Loan Statement

Letter Offer from previous

Latest 3 months pay slip

Latest 3 months personal bank statement ( to show salary credited as per pay slip)

Employment Letter

Latest CPF statement

Latest income tax declaration form with tax payment receipt acknowledgement. (preferable 2 years)

Refinancing/Top Up 需准备文件For Malaysian with Business in Singapore

Self Employed:

NRIC copy or Passport

Working Permit/PR

Sales and Purchase Agreement / Title copy

Latest 6 months Housing Loan Statement

Letter Offer from previous

Latest 6 months Company bank Statement.

Latest 6 months personal bank statement.

Latest income tax declaration form with tax payment receipt acknowledgement. (Preferably 2 years)

Business Registration to show ownership of the company (ROC)

4) DSR Calculator

5) MRTA Calculator

6) MLTA Table

7) Lawyer Fee Calculatorstamp duty

8) Valuation Fee

9) Installment amount calculator

10) Application Form

11) Borrower Relationship

  OCBCALLIANCE BANK MAYBANK

HONG LEONG BANK AMBANK

1ST / 3RD PARTY          

-- SnP (A), Loan (A+B) YES YES YES YES YES

-- SnP (A+B), Loan (A) YES YES YES NO NO

-- RELATIONSHIP IN LAW IN LAW COUSIN COUSIN COUSIN

-- TOTAL 3RD PARTY YES-IN LAW NO NO NO NO

LOAN TENURE          

 -- RESIDENTIAL  35YRS -AGED 70 35YRS -AGED 70 35YRS-AGED 70 30YRS-AGED 70 35YRS-AGED 70

 -- COMMERCIAL 25YRS-AGED 65 25YRS-AGED 65 25YRS-AGED 65 25YRS-AGED 65 NO

12) Presentation

自身贷款可否过关？是否符合资格贷款？

请联系 0167115717 Ivan

Chua

CCRIS Report

Panel Lawyer Firm

LIM SOH & GOONTINGOur Firm is result of an amalgamation between two firms, namely, Messrs Choong Lim Low & Woo and Messrs Zainal Goonting & Low in 1993. The present name of Lim Soh & Goonting was officially adopted on 1st July, 1994 to comply with the requirements of Bar Council.

Panel Insurance Company

AIA Bhd. is a leading insurer in Malaysia, where we have been privileged to do business since 1948. Part of the AIA Group, the largest independent publicly listed pan-Asian life insurance group. As at end 2014, AIA Bhd.’s total asset worth was RM46 billion, with a paid-up capital of RM767 million.

Panel Bank for Will Writing

Effect of the Distribution Act 1958 (amended in 1997)

Married PersonSpouse Parent

Children

1/4

1/2

1/4

1958年遺產分配法令（ 1997年修正）

當一個人逝世前沒有立遺囑，在沒有配偶、後嗣或父母，以下人士都有權獲得遺產分配，排位如下：（一）兄弟和姐妹（二）祖父母（三）叔父和阿姨（四）曾祖父母（五）曾叔父和阿姨（六）政府

Personal Asset Management

Memorandum of Contract

Applicable to : All Ranking

Frequency: Yearly

Review Period: Financial Year (1st April – 31st March)

Requirement Section 1.0

1.1 All Ranking must undergo New Consultant Orientation.

1.2 All Ranking must fulfill your requirement to sustain your position.

1.3 All Ranking who failure to meet your MOC will be downgrade.

1.4 PFC who bring zero sales for 3 consecutive months will be terminated.

1.5 PFC is not allow to switch group after joined. No Exclusion except Husband & Wife with Married Cert ONLY.

1.6 PFC is allow to transfer provided existing immediate leader agreed.

1.7 All Ranking must fulfill personal sales according to the PFC MOC.

Promotion

PFC who serve with company at least 12 months from the date of joined and sales volume achieve personal sales of RM12million with 5 financial consultants will be promote to Personal Financial Manager/UM at the following month.

PFC who serve with company at least 12 months from the date of joined and sales volume achieve personal sales of RM24million acceptance with will be promote to Senior Personal Financial Consultant at the following month and enjoy the increment of commission rate.

Direct Appointment of Personal Financial Manager/UM 70% of the sales qualifying target is applicable to new Direct

Appointment for first years from contracted date.

Full Manpower requirement will follow an existing Personal Financial Manager/UM as in Requirements above.

Direct Appoint Personal Financial Manager/UM who fail to achieve company requirement will be demote to be Personal Financial Consultant.

Duty of Personal Financial Manager/UM

Assist Direct & Indirect Financial Consultant to meet their target.

To sustain own contract with Company.

Provide Training to New Direct & Indirect Financial Consultants.

Downgrade

Personal Financial Manager/UM who found to be non compliant to their yearly MOC can be given extension of 6 months to catch up on their shortfall PLUS pro-rated current MOC requirements but is subjected to Director’s recommendation and approval.

Personal Financial Manager/UM who do not fulfill the extension requirements at the end of the grace period will be downgraded with immediate effect.

Personal Financial consult who reporting directly to the downgraded Personal Financial Manager/UM will remain unchanged.

Parallel

Parallel ranking would not enjoy any overriding benefit.

Reinstatement

Applicable : All Ranks

ALL MOC requirements must be duly fulfilled.

If rejoin consultant reinstatement is not done within the same financial year, all the manpower will be transfer to the immediate leader who still available and meet MOC.

Termination/Resignation

Applicable : All Ranks

Consultant who wish to resign from the Company must submit a duly signed resignation letter stating the reason of resignation.

The consultant will be terminated who misconduct to customer.

In the event that resignee is a Personal Financial Manager/Unit Manager, all consultant under this unit will be transferred to the immediate leader provided direct leader still available and meet MOC.

Rejoin will consider as New Financial Consultant irregardless previous ranking.

Death

Applicable : All Ranks

Upon a death of consultant, the immediate leader or relatives of the deceased must inform the company by providing a copy of his/her Death Certificate for filing purpose.

Termination of the consultant will take effect from the date of death.

If the deceased happen to be a Financial Manager or Group Financial Manager, all of the down lines will be transferred to immediate leader.

Target Recruits & Customers

Recruit:

Ex/Existing Banker

Ex/Existing Property Negotiator

Fresh Consultant with working experience

Customer:

Neighborhood Refinancing/Cash Out

Second Hand Subsale without Property Agent involve

Requirement to be a Financial Consultant

Minimum 21 years old to maximum 60 years old

SPM Level with at least 5 subjects’ passes including Bahasa Malaysia

Able to communicate in bilingual at least

Not a bankrupt, convicted a serious fraud, heavily in debt or blacklisted

Registration Fee RM100, You will gain Training Material and Financial Excel Calculator.

Thank You

Prepared by Famous Facebook Page’s

新山房屋再融资省利息 / 套现金 ( Refinance/Top Up Loan)

Property Refinancing Advisory

Founder Ivan Chua