Restructure Your Debts Today!!!

Credit Debt Relief

About Us

We are financial planner that:
(a) restructure credit card debts into (EPP)
(b) restructure loan, BT, cash product
(c) convert debts into AKPK
(d) refinance mortgage loan

*We supports 17 banks cards 

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Solution

• Stop paying 18% p.a for your credit card interest! Why paymore to the bank???
• Do you still continue paying 18% p.a credit card interest rate years after years?
• You do not have sufficient cash on hand and not able to settle all your credit card outstanding balance in near future?
  
  
  (a) Credit cards o/s
  :-restructure into Easy Payment Plan (EPP) with lower interest
   -reduce existing interest (frm 18%p.a. become 8~10%p.a.)
   -reduce monthly repayment
   -tenure from 1~5 years
   -early settlement no penalty
   -no CCRIS checking
   -no processing fees
   -no guarantor/collateral 
   -save more than 63% on credit card interest
  
   [credit card = 18%p.a.] VS [EPP = 8~10%p.a.] 
  
  
  (b) Loan, BT, cash product
  :-restructure into lower repayment
   -consolidate few accounts into one account
   -OR lengthen product tenure for extra cash in hand
  
  (c) AKPK
  :-consolidate all debts into (6~8%p.a.)
   -tenure frm 1~10yrs
   -provide 100% approval (despite income below/exceed AKPK requirement)
   -direct process with Bank Negara Malaysia

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Easy Payment Plan (EPP) 

• Reduce monthly commitment
  (Minimum payment as low as RM50)
• CCRIS/CTOS report clear
  (For better housing loan/personal loan approval)
• Better cash flow management & free from financial burden.
• Convert interest from 18%p.a. to an average of 8~10%p.a. only!!!
• Avoid compounding interest/late charges.
• Outstanding Balance = "0"
• Card still remain active.
• No more nagging calls from bank credit officer/debt collector.
• No hidden charges. All payments are via bank.

Act now and save interest as credit card interest is calculated based on DAILY BASIS!!!

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                            Normal Payment   VS   Easy Payment Plan

           

              

Why should restructure your Credit ? 

        Two main reasons for you to restructure your credit:

·                     -To reduce your monthly commitment
              -To get extra cash as you require 

What Is the Card Holder’s Benefits ? 

·                  
                      -Save more than 63% of cards interest for 5 years

·                     -Reduce your monthly commitment and installment

·                    - Maintain good credit history with Bank and good
         CCRIS/CTOS record

·                     -100% approval rate

·                     -An extra cash can use for ‘investment, startup
          business, downpayment, clearing other debts etc’

·                     -No more calling from Bank’s for payment

·                     -Accumulate more Credit Card reward point

EPP, how it works ?

Example 1 
Bank card: MAYBANK
Credit limit: RM20,000
Total outstanding: RM12,000
Available limit: RM8,000
Minimum payment (5%): RM600
Credit card interest: 18%p.a or (54% three years)
Purpose: Restructure Credit & Take Cash
EPP Amount: RM19,900 (up 99.5% of Credit Limit)*
EPP Tenure: 36 mths / 3 Years
EPP interest: ±9%p.a or (±27% three years) 

Calculation 1
= RM19,900 x 27% = RM5,373
= RM19,900 – RM5,373 = RM14,527
= RM14,527 – RM12,000 = RM2,527
    (extra cash return to cardholder)
= RM19,900 / 36months = RM552.77
    (payment to MAYBANK directly every month)
= At this scenario, no extra cash needed for restructure
Result: Installment RM600 VS RM552.77
             Extra RM2,527 in hand
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Example 2
Bank Card: MAYBANK
Credit Limit: RM20,000
Total Outstanding: RM15,000
Available Limit: RM4,000
Minimum payment (5%): RM750
Credit card interest: 18%p.a or (54% three years) 
Purpose: Restructure Credit
EPP Amount: RM19,900 (up 99.5% of Credit Limit)*
EPP Tenure: 36 mths / 3 Years
EPP interest: ±9%p.a or (±27% three years)

Calculation 2
= RM19,900 x 27% = RM5,373
= RM19,900 – RM5,373 = RM14,527
= RM14,527 – RM15,000 = -RM473
   (need top up for restructuring)
= RM19,900 / 36months = RM552.77
   (payment to MAYBANK directly every month)
= At this scenario, need top up cash into Maybank credit card
   for restructuring. (NOT pay to us!!!)
Result: Installment RM750 VS RM552.77
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Example 3 
Bank Card: MAYBANK
Credit Limit: RM20,000
Total Outstanding: RM0
Available Limit: RM20,000
Purpose: Extra Cash
EPP Amount: RM19,900 (up 99.5% of Credit Limit)*
EPP Tenure: 36 mths / 3 Years
EPP interest: ±9%p.a or (±27% three years)

Calculation 3
= RM19,900 x 27% = RM5,373
= RM19,900 – RM5,373 = RM14,527
= RM14,527 – RM0 = RM14,527
   (extra cash return to cardholder)
= RM19,900 / 36months = RM552.77
   (payment to MAYBANK directly every month)
= At this scenario, cardholder is getting
   EXTRA CASH for rolling 
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* Remark: EPP amount can up to 100% of Credit Limit 
                                            IF 
                   credit card is "Active", not "blocked"

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AKPK

-guarantee 100% approval
-arrange all needed documentation
(financial reports, CCRIS report, bank statements, income documents, debts exact calculation...etc)
-help customer skip all sessions of long seminars
-arrange interview session with AKPK
-run all banks settle interest and documentation upon AKPK approval
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                     For more details, please call/WhatsApp:
              Ms. Alice Lim   016-9712292 / 017-2626229

or email:
alice.isle-ex@hotmail.com