smr plan case study 3 (mandarin)

SMR PLAN Case Study 3 1SMRPlan.com

3

发现SMR计划如何帮助房奴

现有还款

HSBC Homemaker

慧斩327双周(53.96%)

及MYR43,956.21利息(50.36%)

• 活动：网络研讨会• 语言：中文• 日期：22nd Nov 2013• 星期：五

• 时间：12PM-1PM• 地点：在线• 费用：免费• 赠品：免费SMR计划分析

纲要


1. 引言

2. SMR 计划过程

3. 问与答

4. 免费礼物

5. 总结

2


引言

您是否知道“如果您没有一个跳出债圈计划，那您必定被他人的跳入债圈计划影响”？

完成此网络研讨会后〉〉〉

跳入债圈计划


您会収现下图显示一个跳入债圈计划的问题。

另外〉〉〉

项目事项原本当前问题

1 剩余时间

2 总还款

3 总利息

604 双周 606 双周延长2双周

RM209,443.04 RM210,136.56额外

RM693.52

RM86,592.31 RM87,285.83额外

RM693.52

跳出债圈计划


您也会収现下图显示一个跳出债圈计划的方案。

好消息〉〉〉

项目

事项双周总

还款利息本金

1 银行

2 SMR50

3 节省

606 RM210,136.56 RM87,285.83 RM122,850.73

279 RM166,180.35 RM43,329.62 RM122,850.73

327 RM43,956.21

53.96% 50.36%

SMR计划


是一个跳出债圈计划解决一个跳入债圈计划

并帮助世界房奴跳出债圈

的方案的问题

免费礼物〉〉〉

免费礼物


提问〉〉〉

好消息！为了感谢您注册此网络研讨会，您将得到高达三份免费SMR计划分析的免费礼物，请索取如下：

请检阅您的电子邮件有关索取免费礼物的步骤。

1 •社交网络

2 •注册免费会员

3 •准备和扫描贷款文件

4 •上传贷款文件

5 •免费SMR计划分析

提问〉〉〉


• 如果您有仸何问题，请点击“Ask a Question”提问并在网络研讨会迚行时随时开始聊天"Start Chat"，我们会在此网络研讨会结束前回答每一个问题。

• 如果我们不能此网络研讨会在回答你的问题，我们将会通过电子邮件回答。

〈〈〈纲要

在此个案中，我们将告诉您SMR计划过程如何帮助房奴慧斩汇丰银行现有还款Homemaker 327双周(53.96%) 及MYR43,956.21利息(50.36%).


SMR计划过程

分析申请合约

付款文件与资料SMR计划

执行附加

SMR计划

让我们逐步的与您分享。

分析文件带来

1. 银行协议书：26th June 2004

2. 银行首期信日期： 9th January 2007

3. 银行最新结单：24th September 2013


SMR分析〉〉〉

SMR分析

SMR PLAN Case Study 3 11SMRPlan.comSMR拟定》》》

项目事项总

A原本

贷款金额

B 期间

C 已付期数

D 剩余期数（B – C）

E 贷款余额

F 当前基贷率（BLR）

G 利率

H 双周还款

I 目前贷款期限

J 期数调整（I - D）

K 总还款（H x I）

L 总利息（K – E）

RM141,960.00

360 个月

176双周

604双周

RM122,850.73

6.60%

BLR – 1.50% 5.10%

RM346.76

606双周

延长 2双周

RM210,136.56

RM87,285.83

SMR 拟定


〈〈〈SMR计划过程

配套节省时间利息费用收费租金、现金回报

SMR25 25%

SMR50 50%

SMR75 75%

152

双周

303双周

455双周

RM21,821.45

RM43,642.92

RM65,464.37

1%

1.5%

2%

RM1,228.51

RM1,842.76

RM2,457.02

RM346.76

RM52,707.52

RM105,068.28

RM157,775.80

申请人选择SMR50配套慧斩50％时间及50％利息。

申请

注册SMRPlan.com

免费会员

提交申请

SMR计划确认收到申请

19th August 2013

18th August 201318th August 2013



合约

批准执行

19th August 2013 1st September 2013



付款

2nd September 2013

SMR 计划费用

服务税

总



文件与资料

准备

查询收到

3rd September 2013

5th September 2013

25th September 2013



SMR计划25th September 2013

Effective8th October 2013


SMR

分析

SMR

拟定

SMR

摊还表

SMR

执行

SMR分析

1. 物业资料

2. 贷方资料

3. 原本贷款资料

4. 当前贷款资料

5. 您有什么问题吗？

6. 您的问题根本原因是什么？


1. 物业资料

1. 买卖合约日期： 16 May 2004

2. 物业：双层排屋

3. 房屋计划：在施工单位

4. 购买价格： RM160,800.00

5. 首期： RM15,320.00


2. 贷方资料

1. 银行金融机构：商业银行

2. 贷方：HSBC Bank Malaysia Berhad



1. 贷款状况：现有还款

2. 贷款类型： HSBC Homemaker

3. 银行协议书日期：26 June 2004

4. 贷款合约日期： 03 August 2004

5. 自动转帐帐户：有


深入分析〉〉〉



A. Loan Principal

Amount: RM136,680.00

MRTA: RM5,280.00

Legal Fee: RM0.00

Valuation Fee: RM0.00

Others: RM0.00

Total: RM141,960.00

C. Mortgage Type: Adjustable Rates Mortgage

Re

pay

me

nt

B. Period: 360 Months (780 Bi-weeks)

D. Basis Year: 360 Days

G. Exact Day: No

E. Compounded Interest: Daily

F. Payment Frequency:

Bi-Weekly

H. Base Lending Rate: 6.00%

I. Number of Tier: 5

J. Interest Rate:

Tier 1: 12 Months 2.00% = 2.00%

Tier 2: 12 Months BLR - 1.00% = 5.00%

Tier 3: 36 Months BLR + 0.35% = 6.35%

Tier 4: 120 Months BLR + 0.25% = 6.25%

Tier 5: 180 Months BLR + 0.00% = 6.00%

K. Repayment :

Tier Monthly Bi-Weekly

1 RM525.00 RM262.50

2 RM754.00 RM377.00

3 RM869.00 RM434.50

4 RM861.00 RM430.50

5 Thereafter

RM847.00 RM423.50

L. Loan Disbursement:

First Release: Unknown

Final Release: Unknown

M. 1st Repayment Date: 9 January 2007

N. Total

Repayment:

RM302,410.00

Total Interest

RM160,452.00

Total Principal

RM141,960.00

当前贷款资料分析如何？〉〉〉

Interest will be charged by us at the agreed

rate/s (item 4(a)) per annum on daily

balance calculated on 1/2 basis for a

period or periods as stated (item 4 (a))

from the date of first drawdown or three

(3) months after the date of the Letter of

Offer whichever is earlier and payable

monthly to the debit of your account or

any other account(s) to be opened by

the Bank for this purpose.(By the way of fortnightly installments

each in the amount of half the monthly

installments specified for the respective

periods in the Letter of Offer (item 4(a)),

the first of such installments will be

debited to your account on or before the

1st of each month commencing in the

month of full drawdown of the facility or on

such other date as shall be fixed from time

to time by the Bank and subsequent

instalments on or before 14 days

thereafter. The total of all such fortnightly

instalments including any final adjustment

shall not exceed the tenure specified in the

Letter of Offer (item 4(a)).

4. 当前贷款资料


您有什么问题吗？〉〉〉

B. No. of Installments

Paid: 176 Bi-weeks

C. Number of Installments Remaining: 604 Bi-weeks

D. Outstanding Balance: RM122,850.73

E. Current BLR: 6.60%

J. No. of Installments

Extended

Rep

aym

ent

B. Period: 360 Months (780 Bi-weeks) 2 Bi-weeks

A. As at: 24 Sep 2013

F. Number of Tier Remaining: 1

G. Interest Rate: BLR – 1.50% = 5.10%

H. Repayment:

RM346.76

I. Current Loan Tenure:

606 Bi-weeks

K. Total

Repayment:

RM210,136.56 Total Interest

RM87,285.83

Total Principal

RM122,850.73

Total Repayment Paid:

RM70,574.17

Total Principal Paid:

RM19,378.19

Total Interest Paid:

RM51,195.98

5. 您有什么问题吗？


您的问题根本原因是什么？

项目事项原本当前问题

1 剩余时间

2 总还款

3 总利息

604 双周 606 双周延长2双周

RM209,443.04 RM210,136.56额外

RM693.52

RM86,592.31 RM87,285.83额外

RM693.52

6. 您的问题根本原因是什么？


基贷率波动〉〉〉

Current Loan Tenure

606 Bi-weeks&

Total InterestRM87,285.83

问题

根本原因

基贷率波动

BecauseNo Additional SMR Schedule

基贷率波动


接下来您应该怎么做呢？〉〉〉

6.00%

6.75%

6.50%

5.95%

5.55%

5.80%

6.05%

6.30%

6.60%

5.50%

5.70%

5.90%

6.10%

6.30%

6.50%

6.70%

2004 2005 2006 2007 2008 2009 2010 2011 2012

SMR拟定

1. SMR目标

2. SMR方法


1. SMR目标


B. No. of Installments Paid: 176 Bi-

weeks

Number of Installments Remaining: 176 Bi-weeks


Extended

Rep

aym

ent


Current Loan Tenure: 606 Bi-weeks

Total Interest

RM87,285.83

Total Principal

RM122,850.73

配套节省双周利息

SMR50 50% 303 RM43,643.92

如何实现？〉〉〉

2. SMR方法


B. No. of Installments

Paid: 176 Bi-weeks


Extended

Rep

aym

ent


Total Interest

RM87,285.83

Total Principal

RM315,526.40

配套节省双周利息

SMR50 50% 303 RM43,643.92

Total Interest

RM43,643.91

Total Principal

RM122,850.73Save

50% Time

&

50% Interest

With

SMR 摊还表 >>>

Number of Installments Remaining: 176 Bi-weeks

Current Loan Tenure: 606 Bi-weeks

SMR摊还表


SMR摊还表

一仹SMR摊还表由2013年10月8日起生效实施。

申请人须在“备注”栏跟迚，审查和反馈来控制SMR摊还表。


银行和SMR摊还表的差异。

递增还款计划〉〉〉

项目

事项双周总

还款利息本金

1 银行

2 SMR50

3 节省

606 RM210,136.56 RM87,285.83 RM122,850.73

279 RM166,180.35 RM43,329.62 RM122,850.73

327 RM43,956.21

53.96% 50.36%

SMR摊还表

在此SMR摊还表，还款将双周递增慧斩汇丰银行现有还款Homemaker 327双周(53.96%) 及MYR43,956.21利息(50.36%).


如何执行？〉〉〉

-

100.00

200.00

300.00

400.00

500.00

600.00

700.00

800.00

900.00

1,000.00 1

14

27

40

53

66

79

92

10

5

11

8

13

1

14

4

15

7

17

0

18

3

19

6

20

9

22

2

23

5

24

8

26

1

27

4

SMR执行


8th October 2013起生效实施

执行

The Applicant must promptly pay the exact bi-weekly

instalments repayment amount on the repayment due date

strictly in accordance with the SMR Plan provided by the

Company OR on the following three (3) working days from

the repayment due date (Repayment Time Period”).

The Applicant shall strictly adhere to the Repayment Time

Period irrespective of whether bi-weekly instalment

repayment is made by way of CASH or by CHEQUE to

Loan Account.


更多〉〉〉

执行

The Outstanding Balance with the Lender shall not

include incidental charges such as insurance

premiums, penalty charges, late payment

charges, monthly/bi-weekly administrative charges

and legal fees.


更多〉〉〉

执行

This SMR Plan shall automatically be terminated and null and void if

the applicant by own action prematurely terminate the SMR Plan by:

1. disposing off the Property or

2. transferring the Property to any third party or

3. refinancing the existing loan facility or

4. early redeeming the loan facility with Lender or

5. defaulting in the repayment of the bi-weekly instalment loan

facility or

6. engaging in a situation or conduct which shall have the effect

of rendering the Lender to recall or terminate the loan facility.


如何监管？〉〉〉

附加SMR计划

Applicant

Lender

Central Bank

基贷率Base Lending Rate

调利率Adjusted

Interest

Rate

低利率Lower

Interest

Rate

利率变动 Variation of Interest Rate (Please be informed that in

the situation of Variation of

Interest Rate (“VIR”) due to

changes of

• Base Lending Rate

(“BLR”) and/or

• Adjusted Interest Rate

(“AIR”) by the Lender

and/or

• application for Lower

Interest Rate (“LIR”) by

you,

the Applicant is allowed to apply Additional SMR Plan.

SMR PLAN Case Study 3 37SMRPlan.com问与答〉〉〉

问与答


好，现在是问与答。

• 如果您有仸何问题，请点击“Ask a Question”提问并现在开始聊天“Start Chat”，我们现在会回答每一个问题。

• 如果我们不能此网络研讨会在回答你的问题，我们将会通过电子邮件回答。

〈〈〈纲要

免费礼物


好消息！为了感谢您注册此网络研讨会，您将得到高达三份免费SMR计划分析的免费礼物，请索取如下：

请检阅您的电子邮件有关索取免费礼物的步骤。

1 •社交网络

2 •注册免费会员

3 •准备和扫描贷款文件

4 •上传贷款文件

5 •免费SMR计划分析

总结


1. 首先，感谢您加入此SMR计划个案网络研讨会。

2. 其次，请尽快或在两周内上传您的免费SMR计划分析贷款文件，否则......

3. 第三，我会通过电子邮件跟迚您。4. 第四，这个免费礼物也开放给那

些注册并收看重播网络研讨会的产业主及借款人。

5. 最后，希望你喜欢这网络研讨会，我们今天的网络研讨会就此结束！

smr plan case study 3 (mandarin)

Economy & Finance