Mcmarvellous Mortgage

28/04/2026

Offenders face fines of around RM25,000 and up to two years in prison. 🔋✈️ https://says.com/my/lifestyle/japan-power-bank-flight-ban-april-2026-rules-penalty

14/03/2025

The recent trending electricity theft incident reminded me of a previous customer, Mr. C, who bought a condo for 900k. He searched for over a year to find this unit, and it was 100k below market value. He approached me to borrow a loan. He’s a 35-year-old professional with a salary close to 20k and an existing commitment of only RM2,000.

On the surface, everything seemed fine. But… before the loan was even officially submitted, it failed the scoring. I was like, "WTF..." Later, when we checked the CTOS report, it turned out there was a court case—from TNB (Tenaga Nasional Berhad).

After digging deeper, we found out that Mr. C had previously rented out a unit to someone, and the tenant was caught stealing electricity by TNB. However, Mr. C ignored TNB’s penalty notice. As a result, TNB escalated the case and took the homeowner (my customer) to court.

For the past two years, Mr. C was completely unaware of this because the property was rented out. All the penalty notices and court summons were sent to that address, and the TNB website/app didn’t show any information either. Fortunately, the electricity-stealing tenant was decent enough to admit fault and willing to take responsibility by paying off the fines.

However, the damage was already done. Because of this lawsuit, Mr. C’s credit scoring took a huge hit. Even if a bank was willing to approve the loan, he’d be charged a high interest rate. So, what could he do? Luckily, Mr. C married a capable wife who’s also a high-income professional with low commitments. In the end, they applied for the loan under his wife’s name, and everything went through smoothly 😂.

Here’s a piece of advice: don’t steal electricity and keep a close eye on your tenants. Even stealing a few thousand bucks could land you in a lot of trouble.

＃tnb

12/03/2025

MRTA 和 MLTA，买房保险的“相爱相杀”
买房贷款时，时不时就面对 MRTA 和 MLTA 两个“烫手山芋”，傻傻分不清？别慌，今天给你整得明明白白，轻松看懂了！😂

1️⃣ 保额：减肥 vs 死撑
MRTA：像减肥中的你，贷款还得越多，保额瘦得越快，最后只剩个“壳”。
MLTA：硬核健身党，保额纹丝不动，贷款还完还能秀肌肉（现金价值cash value）！

2️⃣ 付款：一把梭 vs 分期剁手
MRTA：一次性掏空钱包，塞进贷款里，省心到像没买过保险, 不过利息照算 🤣
MLTA：月付年付像Unifi，贵是贵了点，但到期还能“退货”拿钱(cash value) ！

3️⃣ 钱给谁：银行独享 vs 家人分羹
MRTA：银行吃肉，家人喝汤，顶多保住房子不被抢。
MLTA：你说了算，银行拿份儿，家人还能分块蛋糕，感动到泪目。

4️⃣ 灵活性：一根筋 vs 浪子回头
MRTA：认死理，房子卖了它就拜拜，绝不回头。
MLTA：风一样的自由男，换房也能带走，投资党的心头好！
💡 选哪个？
穷得只剩房子选 MRTA，钱多想炫富选 MLTA。
你是“抠门侠”还是“壕无人性”？评论区暴露一下吧！😜
#马来西亚 #贷款保险 #房地产 #马来西亚房地产 #地产投资

05/02/2025

14/11/2024

So much.... Rm12. 8 billion unclaimed money

24/10/2024

Relax, refresh, and recharge. You deserve it.

24/07/2023

Monday No Blues When early morning receive compliment from Clients and Agents.
We don't just deliver results, we deliver in pace and style.😎

18/07/2023

当今社会，我们经历着快速的变革和不确定性。在这样的时代，留下一份清晰的遗愿成为了一项至关重要的任务。SMARTWILL是您可信赖的伙伴，致力于帮助您管理和保护您的财产、遗产和亲人的未来。
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23/02/2023

想找到业绩推动股价增长的成长型股票，投资有成长潜力的马股上市公司？马上点击以下连接，报名参加陈剑老师的《马股投资教学》网上学习分享会! 👇https://www.grandpine.com/bis-webinar_youtube_chen_cta/影片要点： 1. 分析 Supermax 和 Ko...

14/07/2022

Increase in OPR, how will it affect you?

06/07/2022

BNM raises OPR by 25 bps to 2.25%~!!!!!

Bank Negara Malaysia (BNM) said on Wednesday (July 6) its Monetary Policy Committee (MPC) decided to increase the overnight policy rate (OPR) by 25 basis points (bps) to 2.25% as the unprecedented Covid-19-driven conditions that necessitated a historically low OPR continued to recede.