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Mr P has several debts accumulated; such as personal loan 100k & card debt 30k. Every month, Mr P needs to pay an instal...
12/04/2024

Mr P has several debts accumulated; such as personal loan 100k & card debt 30k. Every month, Mr P needs to pay an instalment of RM1,300 for the personal loan and RM1,500 for the credit card. The total is RM2,800 per month.

Mr P decides to consolidate and refinance his loans through a property he is currently renting out. The house is rented at RM1,500 per month, and the mortgage instalment is RM1,000.
After the debt consolidation, Mr P personal loan and credit card debt will be paid off

The new instalment for Mr P will be RM1,700 per month, with rental income of RM1,500. He only needs to top up RM200 per month.
At the same time, Mr P has eliminated the commitment of the previous debts, which were RM2,800 every month.

Now, he can save more of his monthly income. Mr P financial profile has improved, making it easier for him to get loan approvals when he decides to get any bank facility in the futures



Gaodim
Advisory

Many people want to refinance their homes but don't know which bank is the best option. In the current real estate marke...
11/04/2024

Many people want to refinance their homes but don't know which bank is the best option. In the current real estate market, there isn't one superior bank for refinancing; you should choose the one that suits you best, considering each bank offers different products and packages.

For instance, taking C Bank as an example, although their interest rates are high, but their package covers all costs, including legal fees, loan agreement valuation fees & most important faster approval. On the other hand, P Bank offers lower interest rates than C Bank, but they don't include legal fees in the loan; requiring customers to pay FEC from their own pocket.

A Bank accepts customers with less favorable CCRIS records (with a higher risk rating), even though their interest rates are somewhat higher. H Bank, while having attractive interest rates, cannot accept properties over 10 years without a strata title.

When refinancing, choose a bank that aligns with your profile rather than simply going for the lowest interest rate. If you're unsure, feel free to contact me via *WHATSAPP*, and I'll advise you based on your needs and profile.


Gaodim
Advisory

Need refinance/mortgage loan? BUT FACING REJECTIONS! You decide your own loan. ACT NOW!Call/WhatsApp 016-2288 525
08/04/2024

Need refinance/mortgage loan? BUT FACING REJECTIONS! You decide your own loan. ACT NOW!

Call/WhatsApp 016-2288 525

29/03/2024

WANT TO KNOW
how to secure loan? FREE CHECK 1-ON-1 session
Get to know more about Bank Mortgage, Biz SME & Microloan

Need refinance/mortgage loan? ACT NOW!Captain gaodim for you !! Gaodim
28/03/2024

Need refinance/mortgage loan? ACT NOW!
Captain gaodim for you !!




Gaodim

28/03/2024

Are you feeling overwhelmed by the intricate process of securing loan for your home/refinance? Let us guide you through!

I have just discussed with Ms P. She wants to obtain a cash out amounting to RM200,000 from refinancing the house she st...
26/03/2024

I have just discussed with Ms P. She wants to obtain a cash out amounting to RM200,000 from refinancing the house she staying. She had tried with several banks before coming to DA Advisory

However, other banks only approved cash out amounts ranging from RM100k to RM120k. She needs to cash out at least RM200k to pay off personal loan & some cards total and some cashout for an investment.

After trying few banks, she still not able to get it done. After reviewing her profile and documents, I chose a bank that suited her profile. She has a sole-proprietor trading business and have a good operating income and her company bank statement show active credit & debit and have good ending balance.

This bank I propose would accept higher percentage net income from a 100% sole-proprietor business and prefer a collateral that client staying use for own-stay.

A friend hasn't bought any property yet, but he has accumulated lot of credit card and personal loans debt. I met him la...
22/03/2024

A friend hasn't bought any property yet, but he has accumulated lot of credit card and personal loans debt. I met him last year and recommend some below market value property.

Before Chinese New Year, he managed to buy this subsale property that was selling below market value. He bought this condo with a maximum loan mark-up, and he received a net cash out of RM100,000. He used this cash out to pay off all the credit card and personal loan debts, which amounted to RM4,000 per month.

After buying the condo, he needs to pay an instalment of RM2500. But this condo can be rented out for RM1500 per month. Now he only need to pay RM1000 in installment for the loan repayment every month. He cut all the credit cards, leaving only 1 credit card with a limit of RM5,000 for emergencies.

He has learned a lot from his past experienced!!

Today a client asks, after buying a house, how many years should wait before refinancing?Usually, is 5-8 years or more, ...
20/03/2024

Today a client asks, after buying a house, how many years should wait before refinancing?

Usually, is 5-8 years or more, but it also depends on the location. For example, a friend bought a terrace house in Perak in 2015 for RM160k, and now the house's value is around RM180-190k. If the increase in value isn't significant, it's not suitable for refinancing.

If you buy a house in a strategic location, the value might increase significantly within 4-5 years. And if you bought a house below market value, you don't need to wait 5 years to refinance. Check the market value with the bank to ensure that the value has increased when you have thought about refinance.

Nowadays, many people refinance to consolidate and pay off credit card and personal loan debts. The goal is to reduce monthly commitments & get cashout fund. If you're interested, you can whatsapp us to understand further your refinance status...


Gaodim
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