KT Teng - BSSMC Financial consultant

10/06/2024

祝大家端午节快乐！身体健康，生活幸福！☺😄

Happy Dragon Boat Festival! Wishing you and your family good health and happiness! ☺😄

#端午节快乐
Dragon Boat Festival

10/02/2024

Happy Chinese Year 🧧🧨🎉

🐲恭㊗️大家
龙年行大运，财源滚滚 💰💰💵
🧧“Heng”, “Ong” “Huat” 🧧

#龙年大吉
GROUP
LIFE

21/01/2024

BSSMC GROUP KICK OFF 2024✨✨

2024 全新的冲刺，携手共进迈向高峰🔥🔥

#共成长
#共学习
#目标一致
GROUP
LIFE


BSSMC GROUP KICK OFF 2024✨✨

2024 The new sprint, work together to go to the peak

up
together
goal
Group
Life
back

25/12/2023

May your Christmas be filled with love, blessings and genuine happiness😍.

Wishing you all a Merry Christmas 🎄❤️🎄

22/12/2023

Happy winter solstice😀


#冬至快乐

22/10/2023

Don’t be tied to AKPK anymore! 💸🔐
1️⃣5️⃣ years of professional consultants to help you out of trouble, and your loan application will never be rejected again ‼ ️

Come, come, let me share success stories with you 😎
AKPK + SAA approved loan RM 265K🤩

👉Ms Lee is working as a manager , with a monthly salary of RM 13,500, and the monthly repayment period is very high, which makes her breathless‼ ️

So she went to consult everywhere in order to reduce her high repayment 📉

Later, she met an agent who told her that by joining AKPK, her monthly repayment could be greatly reduced.
He also said that it would not affect the loan record in the future. . . .That's how Ms Lee entered AKPK. . . .

1️⃣A year later, Ms. Lee plans to apply for a loan from the bank to invest in real estate
The result was rejected directly. . . 😭

I also asked many bankers and agents, and the answers I got were all the same. . .
They all say that you must pay your AKPK before you can apply for
a loan from the bank.

🆘Is there really nothing she can do about it? ? She keeps looking for solutions🆘

👉Meet us KT Teng at the end - BSSMC Group
📌After careful one-on-one consultation, and plan provided
📌In just 2️⃣ months, help MS LEE eliminate AKPK and get a bank loan

Our Team BSSMC GROUP 🥇
✅ A team of Ex-Bankers and lawyers with more than 14 years of bank loan experience
✅ Serving more than 2500 customers every year
✅ Grant up to RM 80 million a year
✅ Successful approval rate over 97%
✅ Proficient in the threshold and loan requirements of 21 banks in Malaysia

⚠️If you are facing the problem of not being able to ⚠️
Don't worry! ️
I can help you change Reject to Approved😎
You don't need to take my word for it,
we already have a series of success stories ready to show you.

Consultation is free
❌No upfront charges/hidden charges️
⚠️ Without further change, click the link below
👇🏼【Contact me】
https://KTfinancialconsultant3.wasap.my/
https://KTfinancialconsultant3.wasap.my/
https://KTfinancialconsultant3.wasap.my/
📲KT Teng 6012- 968 8461.

18/10/2023

❗️ still pay mininum payment⁉️
Looking for ways to lower your monthly payments ❓
Hi everyone 😎
Share a case today👇
📌Successfully helped client solve credit card
problem and approved 298k 🔥
👉Mr J Work in a Mnc and basic salary RM 8K ++ , he was doing business
👉Because Mco business is not stable, so he came back to work
During this period, he also paying high interest C.C debts
The minimum payment is close to Rm4,000 🥵
👉He Wanted to apply loan to reduce commitment,
but banks has not approved it😵
👉 J was introduced by a friend, after knowing his situation,
he want to settle the credit card and
also want an extra 200k cash to do business
👉Finally, with our help and the cooperation of client
The whole process took a month
Successfully cleared all
At the same time cash out cash for business capital 💯
Our Team BSSMC GROUP 🥇
✅ A team of Ex-Bankers and lawyers with more than 14 years of bank loan experience
✅ Serving more than 2500 customers every year
✅ Grant up to RM 80 million a year
✅ Successful approval rate over 97%
✅ Proficient in the threshold and loan requirements of 21 banks in Malaysia
⚠️If you are facing the problem of not being able to ⚠️
Don't worry! ️
I can help you change Reject to Approved😎
You don't need to take my word for it,
we already have a series of success stories ready to show you.
Consultation is free
❌No upfront charges/hidden charges️
⚠️ Without further change, click the link below 👇🏼【Contact me】

18/10/2023

Bank debt consolidation is not the same as ❌AKPK ‼️

Many people mistakenly believe that AKPK and bank debt consolidation are the same❗️

But actually, they are not the same🙅🏻‍♀️❗️
AKPK is a government agency🏢, while debt consolidation is a service provided by banks🏦, so they are different🙅🏻‍♀️!

If you enter AKPK, you will be blacklisted📇 by the banks, and you will not be able to borrow any loans from them until you have fully repaid your debts🚫. You won't even be able to apply for credit cards💳❗️ However, if you apply for bank debt consolidation, you won't have this problem. You can choose to apply for bank loans✅ or credit cards✅ whenever you want❗️

Furthermore, the interest rate offered by AKPK is not necessarily cheaper than banks. AKPK charges an interest rate of 6% - 9%, with a repayment period of 9️⃣ years. On the other hand, banks charge an interest rate of 2.5% - 11%, with a repayment period of 5️⃣ - 🔟 years.

Therefore, if you have any financial problems, seek advice from professional and experienced consultants to solve them.
Don't apply for AKPK indiscriminately❗️

BSSMC GROUP 🥇
✅ A team of Ex-Bankers and lawyers with over 1️⃣4️⃣ years of experience in bank loans
✅ Serving over 2️⃣5️⃣0️⃣0️⃣ clients annually
✅ Approving loans up to RM 8️⃣0️⃣ million per year
✅ Success approval rate of over 9️⃣0️⃣%
✅ Proficient in the requirements and loan processes of all 2️⃣1️⃣ banks in Malaysia

We have a series of successful cases that we are ready to show you.
Don’t wait any longer❗️
⚠️ Schedule a consultation with us, by clicking the send message button or click the link below 👇🏼 【Consult Now】‼️

18/10/2023

⚠️ Do not simply apply for AKPK ‼️
Otherwise, you will definitely regret it😢❗️

Many people think of AKPK as a way to reduce their repayment, so they happily go and apply for it.

Only after applying do they realize that they have made a mistake😭❗️ They cannot borrow any loans, even for buying a car or a house, and cannot even apply for credit cards😱❗️

Therefore, before you truly understand what AKPK is, please do not apply for it indiscriminately❗️ If you have any financial problems, seek advice from professional and experienced consultants to solve them.

BSSMC GROUP 🥇
✅ A team of Ex-Bankers and lawyers with over 1️⃣4️⃣ years of experience in bank loans
✅ Serving over 2️⃣5️⃣0️⃣0️⃣ clients annually
✅ Approving loans up to RM 8️⃣0️⃣ million per year
✅ Success approval rate of over 9️⃣0️⃣%
✅ Proficient in the requirements and loan processes of all 2️⃣1️⃣ banks in Malaysia

We have a series of successful cases that we are ready to show you.
Don’t wait any longer❗️

⚠️ Schedule a consultation with us, by clicking the send message button 👇🏼 【Consult Now】‼️

18/10/2023

📌Credit cards 💳 are very convenient, but you have to use them responsibly and wisely‼️ You need to become the master 👸🏻🫅🏻 of your credit cards, ❌ not a slave to them‼️

The 5️⃣ main benefits of credit cards:👇
1️⃣ Improve credit score
To get a personal loan in Malaysia 🇲🇾 , 8️⃣0️⃣ % of banks require you to hold a credit card for at least 1️⃣ year. By paying your credit card 💳 bills on time every month, it improves your credit score and increases your chances of getting approved for a loan 🏦 to buy a car 🚗 or a house 🏠 .

2️⃣ Very convenient
With a credit card, you can leave home without carrying too much cash. You can even use it for traveling abroad ✈️, shopping online 🖥, pay for your bills, utilities, etc

3️⃣ Rewards points
Every time you use your credit card, you can accumulate rewards points, which can be redeemed for products, vouchers, lucky draws 🎁, plane tickets ✈️, etc.

4️⃣ Promotions and discounts
Banks 🏦 collaborate with certain merchants 🤝 to offer special promotions, such as discounts, cashback 💰, vouchers 🎫, etc. Eg: you can get a voucher when you dine in at certain restaurants 🍽 or get cashback at certain petrol stations 🚗, etc.

5️⃣ Flexibility in managing your funds
With a credit card 💳, you can spend first and pay later, because credit card has a grace period, which allows you to be more flexible with your funds 💵.
So credit cards are really convenient and can bring you many benefits. In Malaysia, 5️⃣3️⃣% of consumers prefer to use credit cards for payment because they are accustomed to this convenient way of life.
Although credit cards have many benefits, you must use them wisely.

Do not ❌ overspend or blindly spend on unnecessary expenses just to accumulate rewards points or enjoy discounts.

❌ Never just pay the credit card minimum payment every month, as this will lead to credit card debt. Once you fall into this trap, it will be difficult to get out because the bank charges compound interest, which is the interest that is charged not only on the initial amount spent but also on the accumulated interest. Interest will accumulate over time and become increasingly difficult to pay off❗️

If you are currently facing high credit card outstanding and only paying the minimum payment, don't worry❗️

BSSMC GROUP 🥇
✅ A team of Ex-Bankers and lawyers with over 1️⃣4️⃣ years of experience in bank loans
✅ Serving over 2️⃣5️⃣0️⃣0️⃣ clients annually
✅ Approving loans up to RM 8️⃣0️⃣ million per year
✅ Success approval rate of over 9️⃣0️⃣%
✅ Proficient in the requirements and loan processes of all 2️⃣1️⃣ banks in Malaysia
✅ Free consultation
❌ No upfront fees charged

We can help you to reduce your credit card debt repayment by up to 8️⃣3️⃣%.
⚠️ Don't hesitate, contact me now by clicking on the send message button below👇🏼

18/10/2023

📌Why some individuals can easily obtain a bank loan while others cannot⁉️

📌There are many factors that contribute to it, but there is one important factor. Which is whether the individual fits the target customer profile of the specific bank they are applying to.

📌Different banks tend to prefer different types of customers, with some prioritizing 😍:

1️⃣ Professionals with licenses/professional certifications
Eg: specialist doctors👨🏻‍⚕️, technicians with MBOT certification🧑🏻‍🔧 , engineers with BEM certification👷🏻, accountants with ACCA certification, etc

2️⃣ Government employees/individuals working in government-linked companies
Eg: government school teachers 👩🏼‍🏫, work in TM Malaysia 👷🏻, work in Syabas Malaysia👨🏼‍🔧, etc

3️⃣ Employees working in multinational/public listed companies
Eg: banker 🧑🏼‍💻, work in Genting🤵🏻‍♀️

4️⃣ Working adults with a base income of more than RM 15,000🤵🏻‍♀️

5️⃣ Working adults with a base income of more than RM 5,000👩🏼‍💼

6️⃣ Business owners👨🏼‍💼

📌However, even if you does not fit the preferred customer profile of a bank. Don’t Worry❗️

📌There are still other factors that banks consider when assessing creditworthiness and risk of borrowers. It's essential to understand a bank's specific requirements and criteria, as meeting these factors increases the likelihood of loan approval.

Unsure whether you meet a bank's criteria for a loan❓
⚠️ Click the send message button below 👇🏼【Consult Now】‼️
To receive a free consultation and profile review.

*This offer is limited to the first 1️⃣0️⃣customers who share and like this post.

18/10/2023

📌Why is it so difficult for me to get a personal loan of RM100,000, while it is easier to get loans for cars and houses with higher amounts⁉️ And why is the interest rate for personal loans so much higher than for houses and cars⁉️

📌That's because one is a Secured Loan with collateral, while the other is an Unsecured Loan without collateral.

📌A secured loan is a type of loan that is backed by collateral, such as a house 🏠 , car 🚙, or other valuable asset. The collateral acts as a form of security for the lender, who can take possession of the collateral if the borrower fails to repay the loan.

📌Because the lender has the security of the collateral, secured loans generally have lower interest rates and longer repayment terms than unsecured loans.

📌In contrast, an unsecured loan is a loan that is not backed by any collateral. Eg: credit cards 💳, personal loans 🪪, business loans 🏢, etc. They are usually granted based on the borrower's creditworthiness, income, and other factors that indicate their ability to repay the loan.

📌Because the lender has no security for the loan, unsecured loans generally have higher interest rates and shorter repayment terms than secured loans.

📌If you are unable to borrow a personal loan from a bank or cannot get the amount you want, don't worry❗️

BSSMC GROUP 🥇
✅ A team of Ex-Bankers and lawyers with over 1️⃣4️⃣ years of experience in bank loans
✅ Serving over 2️⃣5️⃣0️⃣0️⃣ clients annually
✅ Approving loans up to RM 8️⃣0️⃣ million per year
✅ Success approval rate of over 9️⃣0️⃣%
✅ Proficient in the requirements and loan processes of all 2️⃣1️⃣ banks in Malaysia

We have a series of successful cases that we are ready to show you.
Don’t wait any longer❗️

⚠️ Schedule a consultation with us, by clicking the send message button👇🏼