1. 新山房屋再融资省利息/套现金 ( Refinance/Top Up Loan) Property Refinance Advisory
简单，容易，有效，可效仿
Simple, Easy, Effective, Duplicable

2. 新山房屋再融资省利息/套现金 ( Refinance/Top Up Loan)
付还了那么多年的房屋贷款，但是却发现贷款数额没有减少或是只减少了一些。 让我们为你分析原因。  .
After paying so many years of installment and my home loan balance still not reducing or still reducing very slowly? 
请联系 Please Contact
Ivan Chua

3. 新山房屋再融资省利息/套现金 ( Refinance/Top Up Loan)
债务重组 利息低至4.45%-5.5% Debts Restructure Interest as low as 4.45%-5.5%
请联系 Please Contact
Ivan Chua
或填写以下表格
Or Fill up the form as below

4. 可负责事项
房屋贷款 房屋保险 拟写遗嘱 基金投资

5. Panel Bank & Insurance Company

6. 1) Cash Out Refinance Concept
当初买价RM200k
现在市价RM500k
立刻贷款RM450k
现在欠款RM180k
可以套现RM270K
低利息，易申请。

7. 2) Package Fully Flexi
If you have a flexi loan of RM300,000 and you’ve deposited RM100,000 into the linked current account, your loan interest will based on RM300,000 – RM100,000 = RM200,000.
most flexi loans do come with a fixed monthly fees (usually RM10 per month) to maintain the current account, 

8. 2) Package Semi Flexi
If you have a flexi loan of RM300,000 and you’ve deposited RM100,000 into the linked current account, your loan interest will still base on Loan Amount RM300,000.
most semi flexi loans do come with a withdrawal fee of RM50/RM100 per withdrawal if there is any access payment withdrawal done by borrower(s).

9. 3) Interest Rate HLBB BR3.99%
Financing Amount
Semi Flexi
Fully Flexi
Up to RM100k
5.95%
6.00%
RM100k-RM200k
4.85%
4.90%
RM200k-RM300k
4.75%
4.80%
RM300k and above
4.65%
4.70%

10. Maybank BR3.2% Financing Amount Semi/Fully Flexi RM300k and above
4.45%

11. OCBC BR3.92% Financing Amount Semi Flexi Up to RM100k 5.05%
RM100k-RM300k
4.95%
RM300k and above
4.85%

12. Alliance Bank BR4.00% Financing Amount Semi/Fully Flexi Up to RM100k
5.05%
RM100k-RM200k
4.75%
RM200k-RM400k
4.65%
RM400k-RM1million
4.55%

13. RHB BR4.00% Financing Amount Semi Flexi Up to RM250k 5.05%
RM250k-RM400k
4.60%
RM400k-RM600k
4.55
RM600k-RM1million
4.5%
RM1million-RM2million
4.4%
RM2million and above
4.35%

14. Ambank BR3.99% Financing Amount Semi/Fully Flexi Up to RM200k
4.65%/4.75%/4.86%
RM200k and above
4.45%/4.50%/4.55%

15. AIA Financing Amount Semi/Fully Flexi RM100k and above
4.99% Fixed Rate

16. Refinancing/Top Up 需准备文件
Employee:
NRIC copy
Sales and Purchase Agreement / Title copy
Latest Housing Loan Statement
Letter Offer from previous bank
Latest 3 months pay slips
Latest 3 months personal bank statement ( to show salary credited as per pay slip)
Employment Letter
Latest KWSP statement
Latest Form B/BE with tax payment receipt acknowledgement

17. Refinancing/Top Up 需准备文件
Self –Employment:
NRIC copy
Sales and Purchase Agreement / Title copy
Latest 6 months Housing Loan Statement
Letter Offer from previous bank
Latest Form B/ BE with tax payment receipt acknowledgement.
Latest 6 months Company bank Statement.
Business Registration SSM

18. Refinancing/Top Up 需准备文件
Sdn Bhd
NRIC copy
Sales and Purchase Agreement / Title copy
Latest 6 months Housing Loan Statement
Letter Offer from previous bank
Latest Form B/ BE with tax payment receipt acknowledgement.
Latest 6 months Company bank Statement.
Business Registration SSM
Form 24 & 49
Latest Profit and Loss Statement
Memorandum of Article

19. Refinancing/Top Up 需准备文件 For Malaysian working in Singapore
Employee:
NRIC copy or Passport
Working Permit/PR
Sales and Purchase Agreement / Title copy
Latest 6 months Housing Loan Statement
Letter Offer from previous
Latest 3 months pay slip
Latest 3 months personal bank statement ( to show salary credited as per pay slip)
Employment Letter
Latest CPF statement
Latest income tax declaration form with tax payment receipt acknowledgement. (preferable 2 years)

20. Refinancing/Top Up 需准备文件 For Malaysian with Business in Singapore
Self Employed:
NRIC copy or Passport
Working Permit/PR
Sales and Purchase Agreement / Title copy
Latest 6 months Housing Loan Statement
Letter Offer from previous
Latest 6 months Company bank Statement.
Latest 6 months personal bank statement.
Latest income tax declaration form with tax payment receipt acknowledgement. (Preferably 2 years)
Business Registration to show ownership of the company (ROC)

21. 4) DSR Calculator

22. 5) MRTA Calculator

23. 6) MLTA Table

24. 7) Lawyer Fee Calculator stamp duty

25. 8) Valuation Fee

26. 9) Installment amount calculator

27. 10) Application Form

28. 11) Borrower Relationship
OCBC
ALLIANCE BANK
MAYBANK
HONG LEONG BANK
AMBANK
1ST / 3RD PARTY
-- SnP (A), Loan (A+B)
YES
-- SnP (A+B), Loan (A) NO
-- RELATIONSHIP
IN LAW
COUSIN
-- TOTAL 3RD PARTY
YES-IN LAW
LOAN TENURE
-- RESIDENTIAL
35YRS -AGED 70
35YRS-AGED 70
30YRS-AGED 70
-- COMMERCIAL
25YRS-AGED 65

29. 12) Presentation

30. 自身贷款可否过关？ 是否符合资格贷款？
请联系
Ivan Chua

31. CCRIS Report

33. Panel Lawyer Firm LIM SOH & GOONTING
Our Firm is result of an amalgamation between two firms, namely, Messrs Choong Lim Low & Woo and Messrs Zainal Goonting & Low in The present name of Lim Soh & Goonting was officially adopted on 1st July, 1994 to comply with the requirements of Bar Council.

34. Panel Insurance Company
AIA Bhd. is a leading insurer in Malaysia, where we have been privileged to do business since Part of the AIA Group, the largest independent publicly listed pan-Asian life insurance group. As at end 2014, AIA Bhd.’s total asset worth was RM46 billion, with a paid-up capital of RM767 million.

36. Panel Bank for Will Writing

37. Effect of the Distribution Act 1958 (amended in 1997)
1/4
1/4
Spouse
Married Person
Parent
1/2
Children

38. 1958年遺產分配法令（1997年修正）
當一個人逝世前沒有立遺囑，在沒有配偶、後嗣或父 母，以下人士都有權獲得遺產分配，排位如下： （一）兄弟和姐妹 （二）祖父母 （三）叔父和阿姨 （四）曾祖父母 （五）曾叔父和阿姨 （六）政府

39. Personal Asset Management

43. Memorandum of Contract
Applicable to : All Ranking
Frequency: Yearly
Review Period: Financial Year (1st April – 31st March)
Requirement Section 1.0
1.1 All Ranking must undergo New Consultant Orientation.
1.2 All Ranking must fulfill your requirement to sustain your position.
1.3 All Ranking who failure to meet your MOC will be downgrade.
1.4 PFC who bring zero sales for 3 consecutive months will be terminated.
1.5 PFC is not allow to switch group after joined. No Exclusion except Husband & Wife with Married Cert ONLY.
1.6 PFC is allow to transfer provided existing immediate leader agreed.
1.7 All Ranking must fulfill personal sales according to the PFC MOC.

44. Promotion
PFC who serve with company at least 12 months from the date of joined and sales volume achieve personal sales of RM12million with 5 financial consultants will be promote to Personal Financial Manager/UM at the following month.
PFC who serve with company at least 12 months from the date of joined and sales volume achieve personal sales of RM24million acceptance with will be promote to Senior Personal Financial Consultant at the following month and enjoy the increment of commission rate.

45. Direct Appointment of Personal Financial Manager/UM
70% of the sales qualifying target is applicable to new Direct Appointment for first years from contracted date.
Full Manpower requirement will follow an existing Personal Financial Manager/UM as in Requirements above.
Direct Appoint Personal Financial Manager/UM who fail to achieve company requirement will be demote to be Personal Financial Consultant.

46. Duty of Personal Financial Manager/UM
Assist Direct & Indirect Financial Consultant to meet their target.
To sustain own contract with Company.
Provide Training to New Direct & Indirect Financial Consultants.

47. Downgrade
Personal Financial Manager/UM who found to be non compliant to their yearly MOC can be given extension of 6 months to catch up on their shortfall PLUS pro-rated current MOC requirements but is subjected to Director’s recommendation and approval.
Personal Financial Manager/UM who do not fulfill the extension requirements at the end of the grace period will be downgraded with immediate effect.
Personal Financial consult who reporting directly to the downgraded Personal Financial Manager/UM will remain unchanged.

48. Parallel
Parallel ranking would not enjoy any overriding benefit.

49. Reinstatement Applicable : All Ranks
ALL MOC requirements must be duly fulfilled.
If rejoin consultant reinstatement is not done within the same financial year, all the manpower will be transfer to the immediate leader who still available and meet MOC.

50. Termination/Resignation
Applicable : All Ranks
Consultant who wish to resign from the Company must submit a duly signed resignation letter stating the reason of resignation.
The consultant will be terminated who misconduct to customer.
In the event that resignee is a Personal Financial Manager/Unit Manager, all consultant under this unit will be transferred to the immediate leader provided direct leader still available and meet MOC.
Rejoin will consider as New Financial Consultant irregardless previous ranking.

51. Death Applicable : All Ranks
Upon a death of consultant, the immediate leader or relatives of the deceased must inform the company by providing a copy of his/her Death Certificate for filing purpose.
Termination of the consultant will take effect from the date of death.
If the deceased happen to be a Financial Manager or Group Financial Manager, all of the down lines will be transferred to immediate leader.

52. Target Recruits & Customers
Recruit: Ex/Existing Banker Ex/Existing Property Negotiator Fresh Consultant with working experience Customer: Neighborhood Refinancing/Cash Out Second Hand Subsale without Property Agent involve

53. Requirement to be a Financial Consultant
Minimum 21 years old to maximum 60 years old
SPM Level with at least 5 subjects’ passes including Bahasa Malaysia
Able to communicate in bilingual at least
Not a bankrupt, convicted a serious fraud, heavily in debt or blacklisted
Registration Fee RM100, You will gain Training Material and Financial Excel Calculator.

54. Thank You
Prepared by Famous Facebook Page’s 新山房屋再融资省利息/套现金 ( Refinance/Top Up Loan) Property Refinancing Advisory Founder Ivan Chua