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SMR PLAN Cut CIMB Bank Berhad Progressive Interest Term Loan 247 Months (50.10%) & MYR242,161.75 Interest (50.66%)
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SMR PLAN Case Study 1 1SMRPlan.com
发现SMR计划如何帮助房奴工程迚度利息期贷款慧斩247个月(50.10%)
及RM242,161.75利息(50.66%)
1
• 活动:网络研讨会• 语言:中文• 日期:22nd Oct 2013• 星期:二
• 时间:12PM-1PM• 地点:在线• 费用:免费• 礼物:免费SMR计划分析
纲要
SMR PLAN Case Study 1 2SMRPlan.com
1. 引言
2. SMR 计划过程
3. 问与答
4. 如何索取您的免费SMR计划分析?
5. 总结
注意:
当我们在说话的时候,您总会延迟40秒到60秒后才听到。这是由于YouTube及声流的结果。
引言
SMR PLAN Case Study 1 3SMRPlan.com
您是否知道“如果您没有一个跳出债圈计划,那您必定被他人的跳入债圈计划影响”?
完成此网络研讨会后 〉〉〉
跳入债圈计划
SMR PLAN Case Study 1 4SMRPlan.com
您会发现下图显示一个跳入债圈计划的问题。
另外〉〉〉
项目 事项 原本 当前 问题
1 剩余时间
2 总还款
3 总利息
360 个月 493个月延长
133 个月
RM633,240.00 RM867,187.00额外
RM233,947.00
RM244,080.00 RM478,027.00额外
RM233,947.00
跳出债圈计划
SMR PLAN Case Study 1 5SMRPlan.com
您也会发现下图显示一个跳出债圈计划的方案。
好消息〉〉〉
项目
事项 月总
还款 利息 本金
1 银行
2 SMR50
3 节省
493 RM867,187.00 RM478,027.00 RM389,160.00
246 RM625,025.25 RM235,865.25 RM389,160.00
247 RM242,161.75
50.10% 50.66%
SMR计划
SMR PLAN Case Study 1 6SMRPlan.com
是一个跳出债圈计划 解决一个跳入债圈计划
并帮助世界房奴跳出债圈
的方案 的问题
免费礼物〉〉〉
免费礼物
SMR PLAN Case Study 1 7SMRPlan.com
好消息!感谢您共享社交网络,我们将会颁发高达三分免费SMR计划分析的免费礼物如下:
项目 社交网络 免费SMR计划分析 价值
1 Twitter 一仹 USD60
2 Facebook 一仹 USD60
3 Google+ 一仹 USD60
共 USD180.00
马上行动,并请在接下来的一小时继续收看,以便了解如何索取您的免费礼物。 提问〉〉〉
提问〉〉〉
SMR PLAN Case Study 1 8SMRPlan.com
• 如果您有仸何问题,请点击“Ask a Question”提问并在网络研讨会迚行 时 随 时 开 始 聊 天"Start Chat",我们会在此网络研讨会结束前回答每一个问题。
• 如果我们不能此网络研讨会在回答你的问题,我们将会通过电子邮件回答。
〈〈〈纲要
分析 申请 合约
付款文件与资料SMR计划
执行附加
SMR计划
在此个案中,我们将告诉您SMR计划过程如何帮助房奴慧斩联昌银行工程迚度利息期贷247个月(50.10%)及RM242,161.75利息(50.66%)。
SMR PLAN Case Study 1 9SMRPlan.com
SMR计划过程
让我们逐步的与您分享。
分析
SMR计划讲座
1. 日期:3rd April 2013
2. 星期:三
3. 时间:2PM-5PM
4. 语言:英文
5. 课号:SPS-MY-EN-1
6. 地点:SUPEX 训练中心吉隆坡
文件带来
1. 银行协议书(Letter of Offer):30th
July 2009
2. 银行首期信日期:无
3. 银行最新结单:17th
March 2013
SMR PLAN Case Study 1 10SMRPlan.com
SMR分析〉〉〉
SMR分析
项目 事项 总
A原本
贷款金额
B 期间
C 已付期数
D 剩余期数(B – C)
E 贷款余额
F 当前基贷率 (BLR)
G 利率
H 每月还款
I 目前贷款期限
J 期数调整(I - D)
K 总还款(H x I)
L 总利息(K – E)
RM389,160.00
360 个月
0个月
360个月
RM389,160.00
6.60%
BLR – 2.00% 4.60%
RM1,759.00
493个月
延长 133个月
RM867,187.00
RM478,027.00
SMR PLAN Case Study 1 11SMRPlan.comSMR拟定》》》
SMR 拟定
配套 节省 时间 利息 费用 收费 租金、现金回报
SMR25 25%
SMR50 50%
SMR75 75%
124
个月
247个月
370个月
RM119,506.75
RM239,013.50
RM358,520.25
1%
1.5%
2%
RM3,691.60
RM5,837.40
RM7,783.20
RM1,759.00
RM218,116.00
RM434,473.00
RM650,083.00
申请人选择SMR50配套慧斩50%时间及50%利息。
SMR PLAN Case Study 1 12SMRPlan.com
〈〈〈SMR计划过程
申请
注册SMRPlan.com
免费会员
提交申请
SMR计划确认收到申请
29th March 2013
10th April 201311th April 2013
SMR PLAN Case Study 1 13SMRPlan.com
〈〈〈SMR计划过程
合约
批准 执行
12th April 2013 12th April 2013
SMR PLAN Case Study 1 14SMRPlan.com
〈〈〈SMR计划过程
付款
12th April 2013
SMR 计划费用
服务税
总
SMR PLAN Case Study 1 15SMRPlan.com
〈〈〈SMR计划过程
文件与资料
准备
查询
收到
提早还款信
18th April 2013
18th April 2013
25th April 2013
29th April 2013
SMR PLAN Case Study 1 16SMRPlan.com
〈〈〈SMR计划过程
SMR计划
SMR
分析
SMR
拟定
SMR
摊还表
SMR
执行
13th May 2013
有效1st June 2013
SMR PLAN Case Study 1 17SMRPlan.com
SMR分析
1. 物业资料
2. 贷方资料
3. 原本贷款资料
4. 当前贷款资料
5. 您有什么问题吗?
6. 您的问题根本原因是什么?
SMR PLAN Case Study 1 18SMRPlan.com
1. 物业资料
1. 买卖合约日期:06 July 2009
2. 物业:服务式公寓
3. 房屋计划:在施工单位
4. 购买价格:RM432,400.00
5. 首期:RM43,240.00
SMR PLAN Case Study 1 19SMRPlan.com
2. 贷方资料
1. 银行业金融机构:商业银行
2. 贷方:CIMB Bank Berhad
SMR PLAN Case Study 1 20SMRPlan.com
3. 原本贷款资料
1. 贷款状况:工程迚度利息
2. 贷款类型:期贷
3. 银行协议书日期:30 July 2009
4. 贷款合约日前:17 August 2009
5. 自动转帐帐户:无
SMR PLAN Case Study 1 21SMRPlan.com
深入分析〉〉〉
3. 原本贷款资料
A. Loan Principal
Amount: RM389,160.00
MRTA: RM0.00
Legal Fee: RM0.00
Valuation Fee: RM0.00
Others: RM0.00
Total: RM389,160.00
C. Mortgage Type: Adjustable Rates Mortgage
Re
pay
me
nt
B. Period: 360 Months
D. Basis Year: 365 Days
G. Exact Day: Yes
E. Compounded Interest: Daily
F. Payment Frequency:
Monthly
H. Base Lending Rate: 5.55%
I. Number of Tier: 1
J. Interest Rate:
Tier 1: BLR – 2.00% = 3.55%
K. Repayment :
Tier 1: RM1,759.00
(The first instalment
shall commence one (1)
month after the full
disbursement of the
Term Loan or such other
time which the Bank
may specify from time to
time at its sole and
absolute discretion.)
L. Loan Disbursement:
First Release: 26 August 2009
Final Release: 20 September 2012
Total Disbursement: RM378,350.00
Pending Disbursement: RM10,810.00
M. 1st Repayment Date: Not yet commence
N. Total
Repayment:
RM633,240.00
Total Interest
RM244,080.00
Total Principal
RM389,160.00
SMR PLAN Case Study 1 22SMRPlan.com
当前贷款资料分析如何?〉〉〉
4. 当前贷款资料
B. No. of Installments
Paid: 0 Months
C. Number of Installments Remaining: 360 Months
D. Outstanding Balance: RM389,160.00
E. Current BLR: 6.60%
J. No. of Installments
Extended
Rep
aym
ent
Original Tenure: 360 Months 133 Months
A. As at: 17 March 2013
F. Number of Tier Remaining: 1
G. Interest Rate: BLR – 2.00% = 4.60%
H. Repayment:
RM1,759.00
I. Current Loan Tenure:
493 Months
K. Total
Repayment:
RM867,187.00 Total Interest
RM478,027.00
Total Principal
RM389,160.00
Progressive Interest
SMR PLAN Case Study 1 23SMRPlan.com
您有什么问题吗?〉〉〉
5. 您有什么问题吗?
SMR PLAN Case Study 1 24SMRPlan.com
您的问题根本原因是什么?
项目 事项 原本 当前 问题
1 剩余时间
2 总还款
3 总利息
360 个月 493个月延长
133 个月
RM633,240.00 RM867,187.00额外
RM233,947.00
RM244,080.00 RM478,027.00额外
RM233,947.00
6. 您的问题根本原因是什么?
Current Loan Tenure
493 Months&
Total InterestRM478,027.00
问题
根本原因
Pending
Disbursement
RM10,810.00
Fluctuation of BLR
Which has affected 1st
Repayment Date not yet commence
No Personalized Amortization
Schedule given by the Lender for
Control
Mar 2009 5.55%
Mar 2010 5.80%
May 2010
6.05%
Jul 2010 6.30%
May 2011
6.60%
SMR PLAN Case Study 1 25SMRPlan.com
接下来您应该怎么做呢?〉〉〉
SMR拟定
1. SMR目标
2. SMR方法
SMR PLAN Case Study 1 26SMRPlan.com
1. SMR目标
B. No. of Installments
Paid: 0 Months
Number of Installments Remaining: 360 Months
J. No. of Installments
Extended
Rep
aym
ent
Original Tenure: 360 Months 133 Months
Current Loan Tenure: 493 Months
Total Interest
RM478,027.00
Total Principal
RM389,160.00
配套 节省 月 利息
SMR50 50% 247 RM239,013.50
SMR PLAN Case Study 1 27SMRPlan.com
如何实现?〉〉〉
2. SMR方法
B. No. of Installments
Paid: 0 Months
J. No. of Installments
Extended
Rep
aym
ent
Original Tenure: 360 Months 133 Months
Total Interest
RM478,027.00
Total Principal
RM315,526.40
Total Interest
RM239,013.50
Total Principal
RM389,160.00Save
50% Time
&
50% Interest
With
SMR摊还表>>>
Number of Installments Remaining: 360 Months
Current Loan Tenure: 493 Months
配套 节省 月 利息
SMR50 50% 247 RM239,013.50
SMR PLAN Case Study 1 28SMRPlan.com
SMR摊还表
SMR PLAN Case Study 1 29SMRPlan.com
SMR摊还表
一仹SMR摊还表由2013年6月1日起生效实施。
申请人须在“备注”跟迚,审查和反馈来控制SMR摊还表。
SMR PLAN Case Study 1 30SMRPlan.com
银行和SMR摊还表的差异。
递增还款计划〉〉〉
项目
事项 月总
还款 利息 本金
1 银行
2 SMR50
3 节省
493 RM867,187.00 RM478,027.00 RM389,160.00
246 RM625,025.25 RM235,865.25 RM389,160.00
247 RM242,161.75
50.10% 50.66%
SMR摊还表
在此SMR摊还表,还款将每月递增慧斩工程迚度利息期贷款247个月(50.10%)及RM242,161.75利息(50.66%)。
-
500.00
1,000.00
1,500.00
2,000.00
2,500.00
3,000.00
3,500.00
4,000.00
4,500.00 1
14
27
40
53
66
79
92
10
5
11
8
13
1
14
4
15
7
17
0
18
3
19
6
20
9
22
2
23
5
SMR PLAN Case Study 1 31SMRPlan.com
如何执行?〉〉〉
SMR执行
SMR PLAN Case Study 1 32SMRPlan.com
执行
The Applicant must promptly pay the exact monthly
instalments repayment amount on the repayment due date
strictly in accordance with the SMR Plan provided by the
Company OR on the following three (3) working days from
the repayment due date (Repayment Time Period”).
The Applicant shall strictly adhere to the Repayment Time
Period irrespective of whether monthly instalment
repayment is made by way of CASH or by CHEQUE to
Loan Account.
SMR PLAN Case Study 1 33SMRPlan.com
更多〉〉〉
执行
The Outstanding Balance with the Lender shall not
include incidental charges such as insurance
premiums, penalty charges, late payment
charges, monthly administrative charges and legal
fees.
SMR PLAN Case Study 1 34SMRPlan.com
更多〉〉〉
执行
This SMR Plan shall automatically be terminated and null and void if
the applicant by own action prematurely terminate the SMR Plan by:
1. disposing off the Property or
2. transferring the Property to any third party or
3. refinancing the existing loan facility or
4. early redeeming the loan facility with Lender or
5. defaulting in the repayment of the monthly instalment loan facility
or
6. engaging in a situation or conduct which shall have the effect
of rendering the Lender to recall or terminate the loan facility.
SMR PLAN Case Study 1 35SMRPlan.com
如何监管? 〉〉〉
附加SMR计划
Applicant
Lender
Central Bank
基贷率Base Lending Rate
调利率Adjusted
Interest
Rate
低利率Lower
Interest
Rate
利率变动 Variation of Interest Rate (Please be informed that in
the situation of Variation of
Interest Rate (“VIR”) due to
changes of
• Base Lending Rate
(“BLR”) and/or
• Adjusted Interest Rate
(“AIR”) by the Lender
and/or
• application for Lower
Interest Rate (“LIR”) by
you,
the Applicant is allowed to apply Additional SMR Plan.
SMR PLAN Case Study 1 36SMRPlan.com问与答〉〉〉
问与答
SMR PLAN Case Study 1 37SMRPlan.com
好,现在是问与答。
• 如果您有仸何问题,请点击“Ask a Question”提问并现在开始聊天“Start Chat”,我们现在会回答每一个问题。
• 如果我们不能此网络研讨会在回答你的问题,我们将会通过电子邮件回答。
〈〈〈纲要
如何索取您的免费SMR计划分析?
SMR PLAN Case Study 1 38SMRPlan.com
1 •社交网络
2 •注册免费会员
3 •准备和扫描贷款文件
4 •上传贷款文件
5 •免费SMR计划分析
社交网络
SMR PLAN Case Study 1 39SMRPlan.com
Step 1, please click Twitter, Facebook and Google+ at share this Webinar at your Social Network. You are entitled to a to maximum THREE (3) FREE SMR PLAN Analysis for this Webinar.
No Social Network FREE SMR PLAN Analysis Value
1 Twitter ONE (1) USD60
2 Facebook ONE (1) USD60
3 Google+ ONE (1) USD60
Total: USD180.00If you have NOT shared it, please ACT NOW!
步骤二〉〉〉
注册免费会员
SMR PLAN Case Study 1 40SMRPlan.com
Step 2, please Sign Up FREE Member at www.SMRPlan.com (ONLY for those who have NOT signed up).
Please be informed that you are required to enter your Social Network Information.
步骤三〉〉〉
准备和扫描贷款文件
SMR PLAN Case Study 1 41SMRPlan.com
Step 3, please PREPARE & SCAN Loan Documents as below.
步骤四〉〉〉
新的房贷
1. 银行协议书
现有的房贷
1. 银行协议书
2. 银行首期信日期
3. 银行最新结单
上载贷款文件
SMR PLAN Case Study 1 42SMRPlan.com
Step 4, please UPLOAD your Loan Documents to our Helpdesk.
继续步骤四〉〉〉
上传贷款文件
SMR PLAN Case Study 1 43SMRPlan.com
步骤五〉〉〉
Step 4, please UPLOAD your Loan Documents to our Helpdesk.
免费SMR计划分析
SMR PLAN Case Study 1 44SMRPlan.com
总结〉〉〉
Step 5, we will assign a SMR PLAN Consultant to contact you either via SMS, Phone, Email, Helpdesk, Hangout, Skype, Appointment, or Seminar etc.
免费SMR计划分析
总结
SMR PLAN Case Study 1 45SMRPlan.com
1. 首先,感谢您加入此SMR计划个案网络研讨会。
2. 其次,请尽快或在两周内上传您的免费SMR计划分析贷款文件,否则......
3. 第三,我会通过电子邮件跟迚您。4. 第四,这个免费礼物也开放给那
些注册并收看重播网络研讨会的产业主及借款人。
5. 最后,希望你喜欢这网络研讨会,我们今天的网络研讨会就此结束!