Putrie Fathiahtun Sadiah

09/05/2026

As we know, some clients don’t want the hassle.
That’s why we provide a quick consultant call — either with me or my team if they need support from my side too.

So we’ll explain the whole process clearly for you.

At Laz Advisory, we always try to make everything fit your pace and keep the process as easy as possible for you.

Just drop the question, we’ll handle the headache part and deliver the answers for you ✨

09/05/2026

Benefits of credit card sebenarnya banyak kalau guna dengan betul — especially untuk orang yang selalu travel, buat business, atau nak manage cashflow.

Antara benefit paling common:

Cashback — dapat balik percentage dari spending (petrol, groceries, dining etc.)

Reward points / air miles — boleh redeem flight, hotel, voucher

Build credit score / CCRIS — kalau bayar on time, senang future nak apply loan rumah atau refinance

Emergency backup — useful bila ada urgent commitment

0% installment plans — beli barang mahal tanpa keluar lump sum

Travel perks — airport lounge, travel insurance, priority boarding

Purchase protection — sesetengah card cover damaged/stolen items

Better cashflow management — especially untuk business owner atau commission-based income

Online transaction security — lebih protected compare direct debit card

Promotions & discounts — banyak dining, hotel, shopping deals

Tapi the key is:
credit card is a tool, bukan extra income.
Kalau bayar minimum je tiap bulan, interest memang boleh makan balik semua benefit 😭

Rule paling penting:
spend only what you can fully pay.

08/05/2026

Government servant nak buat loan rumah LPPSA atau refinancing? 🏡✨
Kita bantu uruskan process untuk government servant dan dalam masa sama bantu property agent handle case LPPSA juga 🤝

Senang discuss.
Senang follow up.
Tak perlu pening nak handle documentation sendiri 😮‍💨
Kalau ada client government servant, boleh connect dengan kita 👍🏻

📍Ask Putrie Fathia
LAZ Advisory
Walk in to office available
📞 01170702099

04/05/2026

Putrie jarang post lately. tu lah agent agent property tanya i

Recently just keeping things low-key, focusing on work quietly.
But as always, referrals still coming in consistently 🤍

For those who know me —
I’m handling loan submissions, and I’m also an accountant.

So bila client ada issue, I don’t just submit and wait…

I actually go deep into their financials to understand what’s holding them back.

Kadang-kadang bukan tak layak beli rumah —
they just need proper structure, time, and the right strategy.

I’m quite patient with my clients.

Step by step, I guide them sampai jadi.

And I’m always happy when they trust the process —
willing to follow through until we finally secure their home.

Multiple calls, different banks, rework cases —
I don’t mind, as long as we get the best outcome.

This is one of my clients who followed my guidelines closely, and I assisted in preparing the necessary documents.
However, there are times when some clients may find it challenging to provide all the required documentation.

soon will approve

30/04/2026

Hari ni I nak cerita sikit pasal pemilihan lawyer.
As a mortgage consultant, I nampak banyak sangat situation — agent pun ada, client pun ada — semua nak pilih lawyer sendiri. Honestly, I dah malas nak argue.

Sebab apa?
Client ada hak untuk pilih lawyer, yes. Tapi realitinya… bukan semua lawyer sama.

Pandai ≠ competent
Ada lawyer pandai study, pandai lulus exam — tapi bila masuk real case, ex*****on kelaut.
Tak semua efficient
Ada kes boleh jalan laju, tapi sangkut sebab lawyer slow, tak proactive, tak follow up.
Bila compare kerja, terus nampak level

Kadang client pergi tanya second opinion. Bila lawyer lain tengok file tu… terus nampak benda tak logik.
Even lawyer yang very experienced pun boleh gelak tengok cara kerja tu.

End of the day, bukan pasal murah atau kenal siapa.
Ini pasal siapa yang boleh deliver kerja dengan betul, cepat, dan tak menyusahkan semua pihak.

Kalau silap pilih, bukan setakat delay… boleh effect loan, agreement, sampai stress satu chain.

Be wise , Nak senang, ikut je cakap Mortgage Putrie. Jangan degil 😌

p/s : ada lawyer acah acah buat kerja amik job
tpi in the end maybe cuba menipu

26/04/2026

21/04/2026

Sekarang ramai owner jual rumah bukan sebab tak sayang…

Tapi sebab perlukan duit cepat.
Dalam masa sama, ramai buyer nak beli rumah
tapi loan tak lepas sebab:

– CTOS ada rekod
– CCRIS tak cantik
– DSR tinggi
– Banyak komitmen sedia ada
– Pernah reject sebelum ni

Masalahnya bukan rumah.
Masalahnya struktur kewangan yang tak disusun.

Di LAZ Advisory, kami tak terus submit loan.
Kami buat dulu Financial Makeover Review.
✔️ Semak full credit report (CTOS & CCRIS)
✔️ Kira semula DSR secara strategik
✔️ Susun semula hutang yang menekan
✔️ Cadangkan langkah sebelum submission
✔️ Matching bank ikut profile sebenar

Untuk owner yang nak jual sebab tekanan kewangan,
kami bantu susun strategi supaya masalah hutang dapat diselesaikan dengan lebih teratur — bukan sekadar jual dan habis.

Kadang bukan tak layak.
Cuma belum optimize.

1 rejection boleh rosakkan peluang seterusnya.
Jangan gamble profile sendiri.

Check dulu. Susun dulu. Baru submit.
DM untuk Financial Makeover Review.


011-7070-2099
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