DEBTS RESTRUCTURING PLAN (MALAYSIA)

                                          

*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

2. We will study the CCRIS/CTOS report and figure out the best solutions.

•  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.
  

(A) Loan Application
-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

For more details, please contact or Whatsapp:
Ms. Alice Lim
017-8632272

or email:
alice.isle-ex@hotmail.com

Reference:
https://www.facebook.com/alicelim.unipride
https://www.facebook.com/UniPrideIntegrativeSdnBhd