Jayvis 房贷小管家

25/05/2023

First time sharing on stage in a university after graduation since many years ago! Thanks for having us, Asia Pacific University of Technology & Innovation (APU) and appreciate the chance for us to share our experiences in the mortgage industry & introduce our company, Ideal Mortgage Specialist to the students.

20/01/2022

Bank Negara Malaysia just announced that the overnight policy rate(OPR) will remain at 1.75%.

国家银行今天宣布，再次维持隔夜政策利率（OPR）在1.75%.

(Jan 20): Today, our economist expects Bank Negara Malaysia (BNM) to keep its overnight policy rate (OPR) at 1.75%, unchanged since July 2020. Although tomorrow’s consumer price index (CPI)/inflation report is likely to show CPI stayed elevated above 3% year-on-year in December 2021 from severe fl...

03/11/2021

Bank Negara Malaysia just announced that the overnight policy rate(OPR) will remain at 1.75%.

国家银行今天宣布，维持隔夜政策利率（OPR）在1.75%.

The Monetary Policy Committee (MPC) of Bank Negara Malaysia (BNM) during the MPC’s final 2021 meeting on Wednesday (Nov 3) decided to maintain the overnight policy rate (OPR) at 1.75%. "The MPC considers the stance of monetary policy to be appropriate and accommodative. In addition, fiscal and fin...

06/10/2021

700million!! 700million!! 700million!!

Congratulations to all !! We did it together again! IMS successfully breakthrough ,000,000 subsales loan acceptance in September 2021! For the last quarter of 2021, we are ready to give in all we have and achieve more together!!

恭喜IMS在2021年9月完成了7亿的二手屋房贷总额！！很荣幸成为这个创记录的一份子！！在2021年的最后季度，我们会倾其所有的奋斗，一起完成更大的成就！

15/09/2021

📢 我们正在招聘!!! 📢
在 MCO 期间失去了原有的收入，但向往更高的收入来源?
如果你肯给自己一次机会，这里绝对是你的开始
无论你口才好不好，有无销售经验，我们都会一对一带着你，提供专业的培训。

📢Mortgage Consultant房贷顾问📢
✔ 薪资 RM3,000 - RM12,000
✔ 最少 Diploma 水平 / 1 年工作经验
✔ 海外旅行奖励

📢INTERNSHIP PROGRAM📢
✔ 欢迎各大学院生: TARUC, UTAR, INTI, SUNWAY, TAYLOR, UCSI, KDU, MMU..
✔ 底薪制 + 额外津贴 (须符合要求)
✔ 基础 A-Z 培训

工作地点: KL / PJ Uptown

For more information, please click the link below.
https://wa.link/6kgcde

WhatsApp:
014-7372994 (Jayvis)

22/07/2021

你知道吗❓

其实马来西亚的房屋贷款算是东南亚甚至是亚洲其中一个最“大方”的哦‼️🤩🤩 拿我们的邻国新加坡来做例子，第一间🏠的贷款如果是HDB loan才能申请90%的房屋贷款额度(loan margin)和最多25年的贷款年限📆(loan tenure)，如果是普通的银行房屋贷款最多能申请75%的房屋贷款额度(loan margin)和最多30年的贷款年限📆(loan tenure)。在中国一些城市，第一间房屋贷款最多只能申请到60%-80%的房屋贷款额度(loan margin)而已💸💸。

身处在马来西亚🇲🇾🇲🇾的我们更应该善用银行给我们的优惠配套，购买属于我们的第一间房产或者投资更多的房产。想了解更多关于如何善用银行的贷款配套，可以联络 Jayvis 房贷小管家 或 +60 14-737 2994 .

12/07/2021

【我应该拿 Moratorium 吗❓】

政府推出Moratorium的政策主要是帮助有经济困难的人民，帮助他们渡过这非常时期。现在不管你是B40, M40, T20, 中小型企业还是微型企业，都可以申请这个暂缓还贷的，而且一定会被批准！！！

可是要注意以下三个事项⚠️⚠️⚠️

📌 凡是在1/7/2021前获批的银行贷款，才有资格申请这次暂缓还贷(moratorium)，贷款拖欠还贷(loan outstanding) 的时间不能超过90天。银行将您的贷款分期延后至6个月才偿还，利息将会照常计算。暂缓延贷(moratorium)不会有任何的复利，手续费和罚款等💲💲

📌 信用卡债务不能申请暂缓还贷（moratorium)，但可以选择将这些债务转换成为期3年的定期贷款(term loan)，帮助借贷者减少利息费用。

📌 中小型企业申请这个暂缓还贷(moratorium) 时，需要签一个self declaration form，来说明借贷者的生意受到疫情的影响，可是不需要任何文件证明。

如果你还是不知道自己应该不应该拿moratorium❓❓不知道这个moratorium的利息怎么计算❓❓不清楚这个暂缓还贷(moratorium) 怎么操作❓❓

欢迎随时询问我 Jayvis Thoo (014-7372994), 我会给予免费的房贷咨询。

——————————————————————————
以下是马来西亚各大银行网站的申请方式和详情：

1) AFFIN BANK
https://www.affinbank.com.my/Others/Financial-Assistance-Instalment-Relief-(FAIR)-Prog.aspx?lang=ms-MY

2) ALLIANCE BANK
https://www.allianceonline.com.my/personal/loan_moratorium/loan_moratorium.do

3) AMBANK
https://www.ambank.com.my/eng/targeted-repayment-assistance

4) CIMB BANK
https://www.cimb.com.my/covid19support

5) BANK ISLAM
https://vao.bankislam.com.my/ppb/

6) BANK MUAMALAT
https://m360.muamalat.com.my/endmoraassist.aspx

7) HSBC BANK
https://www.hsbc.com.my/help/coronavirus/financial-support/relief-measures/

8) CITIBANK
https://www.citibank.com.my/english/forms/moratorium-restructure-V2/index.html

9) UOB BANK
https://www.uob.com.my/default/covid-updates/covid-relief-assistance.page

10) MBSB
https://www.mbsbbank.com/bm/notices/moratorium

11) MAYBANK
https://www.maybank2u.com.my/maybank2u/malaysia/en/personal/announcements/2020/March/announcement_financial_relief_scheme.page

12) OCBC
https://www.ocbc.com.my/personal-banking/Loans/moratorium/index.html

13) RHB BANK
https://www.rhbgroup.com/malaysia/campaigns/PostMoratoriumEForm

14) HONG LEONG BANK
https://www.hlb.com.my/en/personal-banking/news-updates/hlb-payment-relief-assistance-plan.html

15) PUBLIC BANK
https://www.pbebank.com/Personal-Banking/Banking/Loan/Retail-Loans-Financing-COVID-19-Repayment-Assistan/Retail-Loans-Financing-COVID-19-Repayment-Assistan.aspx

16) PTPTN LOAN
https://www.ptptn.gov.my/penangguhanpkp3.0/

17) BSN
https://www.bsn.com.my/page/TRA

18) Bank Rakyat
https://cv19-support.bankrakyat.com.my/

19) SME Bank
https://smebank.com.my/en/financing-payment-assistance

20) Al Rajhi Bank
https://www.alrajhibank.com.my/.../financial-assistance

21) Kuwait Finance
https://www.kfh.com.my/.../per.../announcements/KFH-RAP.html

22) Agrobank
https://www.agrobank.com.my/my/bbb/

23) STANDARD CHARTERED
CONTACT : 03-7711 8888 (or click to chat at sc.com/my)

16/06/2021

Congratulations to all IMSians!
Appreciate all the supports and trust from our business partners and beloved customers!
Great things in business never done by one person. They are done by a group of people!
Join us & let's create more!!

感恩各位IMSIAN伙伴，各位Real Estate伙伴，各位客户的持续支持让我们在这段疫情期间持续突破！！

我们承诺会让我们的专业给予Real Estate伙伴们与客户们更好的服务与贷款配套，让大家可以在这疫情当下持续让自己的业绩成长以及让客户们不需要担心自己和银行借不到贷款。

没有银行借不了的贷款，只有怎样让你和银行借到贷款，再一次感恩各位的鼎力支持，我们承诺一起帮助大家持续性成长！！❤❤

08/06/2021

We Are Expanding!!
Position: Mortgage Consultant & Wealth Specialist

-Basic Income start from Rm2,000-RM12,000
-Commission from RM5,000-RM10,000
-Training will be provided
-Overseas Incentive Trip

Requirement:
-Min Diploma Qualification
-No Working Experience Required

*Preferable with Sales Experience*

Kindly contact Jayvis Thoo (014-7372994) from more details.

03/06/2021

All loan borrowers with reduced income are eligible for lower monthly installments.

KUALA LUMPUR: Bank Negara Malaysia (BNM) today reiterated that all loan borrowers who have suffered a drop in income, including salary, allowances, commissions and household incomes, are eligible for a reduction of monthly instalments according to the reduced income.

02/06/2021

MCO 3.0 Special Giveaway📢📢📢
Our company IMS just launched Project Will 100! We will assist 100 customers to set up their will for 🆓！🆓！🆓！This Project Will 100 is to create awareness on the importance of estate planning 🔔🔔

According to market survey and researches, 9 out of 10 Malaysians are without Will‼️‼️Do you know? More than RM70 billion unclaimed estate in Malaysia and the figure is increasing every year‼️

Benefits of writing a Will: 🔎🔎

1. You decide who is your beneficiaries
2. Avoid lengthy administration process
3. Save the legal fees and cost
4. You decide who to execute your estate
5. Proper estate planning
6. Reduce family conflicts
7. You decide who to become your minor children's guardian
8. No need surety

Limited offer available, feel free to contact me for more details❗❗