*Restructure all debts (credit card outstanding/ personal loans/ cash products/ mortgage loan) into LOWER REPAYMENT*
Tailor-made financial solutions based on your current financial situation.
HOW IT WORKS:
1. We will provide FREE CCRIS/CTOS checking through RAM Credit. It will contain credit related information of an individual such as below:
- Outstanding credit & repayment history over the past 12 months including any overdue
- Any "special attention accounts" under close monitoring by banks
- Any applications for credit in the previous 12 months that have been approved or are pending
- Any facilities that has been rescheduled or restructured
- IF you need extra cash, we'll help you in (A) Loan Application , we'll filter through all 17 banks loan eligibility/requirement, submit your application to whichever bank that provide the highest approval rate)
- IF you want to lower down credit card & personal loan monthly repayment, we'll help you in converting (B) EPP/SMP.
- IF you want to convert (C) DMP (Debt Management Program), we'll assist you throughout the process.
- IF you're seeking for (D) MRC (Mortgage Refinance Consolidation), we'll obtain the best rate for you & assist through the whole process until approval.
-filter through all 17 banks latest loan requirement
-consolidate all debts into one new loan
-evaluate approval rate
-assist in all documentation & submission until successful
#Example of appreciation from successful customer:
https://www.facebook.com/ms.alicelim.wwc/photos/a.1974222089522042.1073741828.1974194726191445/1976033482674236/?type=3&theater
(B) EPP/ SMP
a. EPP
-reduce existing credit card o/s interest (from 18%p.a. become 8~10%p.a)
-reduce monthly repayment
-tenure from 1~5 years
-early settlement no penalty
-support all 17 banks credit card
-provide 100% approval
#Example of EPP calculation & comparison:
https://www.facebook.com/ms.alicelim.wwc/photos/a.1974222089522042.1073741828.1974194726191445/1974220886188829/?type=3&theater
b. SMP
-pay only 1% minimum payment to credit cards instead of 5%
-maintain good payment & good CTOS record
-reserve more cash on hand
(C) DMP (Debt Management Program)
-consolidate all debts into 1 account (6%p.a.)
-reduce monthly repayment into at least 3x lesser
-early settlement interest rebate
-arrange all documentation
-prioritize & book the fastest possible interview date
-provide 100% approval
#Example of successful DMP case:
https://www.facebook.com/alicelim.unipride/photos/a.1974222089522042/2439346433009603/
(D) MRC (Mortgage Refinance Consolidation)
-only 3.5%~5.5%p.a.
-consolidate all debts (credit card o/s, personal loan, car loan....)
-tenure up to age 70 years old
-DSR calculation up to 80% (higher approval chance)
-lower monthly repayment
-direct process with all 17 banks processing team (highlight: MBSB, Alliance Bank, Hong Leong Bank)
#Example of successful case despite bad CCRIS & weak documentation:
https://www.facebook.com/ms.alicelim.wwc/photos/a.1974222089522042.1073741828.1974194726191445/1985822005028717/?type=3&theater
#Example of MRC calculation:
https://www.facebook.com/ms.alicelim.wwc/photos/a.1974222089522042.1073741828.1974194726191445/1974222682855316/?type=3&theater
