Refinance Specialist 贷款专家

27/03/2025

https://www.klsescreener.com/v2/news/view/1496131

大马家庭债务占国内生产总值（GDP）比例已处于高位，经济学家警告先买后付可能加剧超前消费和债务累积。

10/04/2022

https://www.klsescreener.com/v2/news/view/975995

（关丹10日讯）马来西亚深圳总商会总会长拿督斯里李锦贤形容，财政部允准一触即通（TnG）经营GOpinjam线上借贷款计划，并征收高达36%年利，如同允准高利贷合法经营生意，沉重利息积压之下，借贷者难以应对，将导致更多民.....

08/04/2022

为何消费者的权利一而再被罔顾？！🧐😓

（吉隆坡8日讯）针对一触...

24/01/2022

♤ 富裕的会员可以帮到存款不足的会员?

THE fact that many ordinary Malaysians were willing to give time and money to help their fellow Malaysians, regardless of race or religion, was one bright spot amid the pain and hardship brought on by the Covid-19 pandemic. Would Malaysians ...

11/01/2022

日盼夜盼，但都无法回到曾经8%的年代!🤷‍♂️

Provident fund likely to dish out higher dividend payout

16/12/2021

https://www.klsescreener.com/v2/news/view/925225

KUALA LUMPUR (Dec 16): Malaysians should not worry about the new power granted to the Inland Revenue Board (IRB) to access taxpayers’ bank accounts without warning, as it will only be exercised if a garnishee order application is made in court, ...

07/07/2021

https://www.theedgemarkets.com/article/banks-have-started-taking-applications-loan-moratorium-optins-heres-howto-guide-it

Banks have started taking applications for the six-month loan moratorium today. This is in line with the Pakej Perlindungan Rakyat dan Pemulihan Ekonomi (PEMULIH) stimulus package.

30/06/2021

SENARAI LINK RASMI BANK:

1. Moratorium Maybank
https://www.maybank2u.com.my/maybank2u/malaysia/en/personal/announcements/2020/March/announcement_financial_relief_scheme.page

2. Moratorium Bank Rakyat
https://cv19-support.bankrakyat.com.my/

3. Moratorium Bank Islam
https://vao.bankislam.com.my/ppb/

4. Moratorium CIMB
https://www.cimb.com.my/covid19support

5. Moratorium BSN
https://www.bsn.com.my/page/TRA

6. Moratorium Public Bank
https://www.pbebank.com/Others/COVID-19.aspx

7. Moratorium Ambank
https://www.ambank.com.my/eng/targeted-repayment-assistance

8. Moratorium RHB
https://www.rhbgroup.com/malaysia/campaigns/PostMoratoriumEForm?_ga=2.202856849.1410897864.1622574747-1382388922.1622574747

9. Moratorium Affin Bank
https://www.affinbank.com.my/Others/Financial-Assistance-Instalment-Relief-(FAIR)-Prog.aspx?lang=ms-MY

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

11. Moratorium Bank Muamalat
https://map.muamalat.com.my/

12. Moratorium Kuwait Bank
https://www.kfh.com.my/malaysia/personal/announcements/KFH-RAP.html

13. Moratorium CitiBank
https://www.citibank.com.my/english/forms/moratorium-restructure-V2/index.html

14. Moratorium Alliance Bank
https://www.allianceonline.com.my/personal/loan_moratorium/loan_moratorium.do

15. Moratorium AgroBank
https://www.agrobank.com.my/my/bbb/

16. Moratorium Hong Leong Bank
https://www.hlb.com.my/en/personal-banking/news-updates/hlb-payment-relief-assistance-plan.html

17. Moratorium SME Bank
https://smebank.com.my/en/financing-payment-assistance

18. 18.Moratorium Standard Chartered Bank
https://www.sc.com/my/important-information/covid-19/

19. Moratorium Al Rajhi Bank
https://www.alrajhibank.com.my/page/financial-relief/financial-assistance

20. Moratorium UOB Bank
https://www.uob.com.my/default/covid-updates/covid-relief-assistance.page

21. Moratorium OCBC Bank
https://www.ocbc.com.my/personal-banking/Loans/moratorium/index.html

22. Moratorium PTPTN
https://www.ptptn.gov.my/penangguhanpkp3.0/

28/05/2021

《 债务 • 危机 》-给想解决债务的你

如果有借过银行贷款的朋友，你们都大概知道，超过3期没还，通常银行都会拒绝借钱给你了。那我又是怎样帮助我的顾客完成他的refinance呢?

***真实个案***
去年的五月，MCO 1.0... W君知道我是做bank loan的，找我帮忙refinance, 看到他CCRIS的时候，我晕了晕🤯🤯🤯

信用卡债欠超过RM70千，已经拖欠2-3期， 只是还最低供期每个月都要RM3,500，银行私人贷款每月还RM2,000。不吃不喝，每月给银行最少RM5,500💸💸 😱😱😱 债务就像雪球一样，越滚越大 🥶🥶🥶

因为疫情的关系，公司减薪30%，屋漏偏逢连夜雨，真的是年屋失修，花了一笔钱修理。他甚至连车子也没办法更新Road Tax。😥 他已啃面包好几个月了，还是解决不了这些债务问题。长期的面对着银行的电话追债，律师信等等，压力如山大! 几乎整个人都要崩溃了 😫😫

W君的亲戚朋友也借了一些钱给他还债，可是有一句话，"长贫难顾"。亲戚朋友看到他都怕了。 😵😩

今年五月，还是MCO 3.0，大马经济也未见好转，可幸的是他的债务已经解决了，refinance cash out RM200k, 这还清的不只是银行的债务，更是清空心灵上的烦恼啊!!!🥰🥰😄

欲了解更多的，欢迎私聊😉

27/05/2021

Congratulations to my borrower!
Mbb interest rate 2.95% per annum!

11/02/2021

大年三十齐团圆，红烛摇曳情连连。合家围坐叙家常，
畅享天伦心飞扬。杯盘碗盏尽佳肴，举手投足皆欢笑。
电话短信连成片，拜年祝福心相牵。除夕快乐。💕🎋🌸

21/12/2020

冬至冬至，幸福必至。装满好运，平安开道。抛弃烦恼，快乐拥抱。存储温暖，寒冷赶跑。释放心情，与你微笑。传递短信，也很美妙。冬至快乐。🙋‍♀️❤❄