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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.

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Petaling Jaya
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