Koperasi Loan bagi permohanan yang ditolak dan bankrupt

 Berita baik bagi bankrupt dan permohonan yang ditolak.


Document yang diperlukan:
1. 1 photostat ic
2. 3 bulan payslip

Hanya kakitangan kerajaan yang layak memohon.

• Pinjaman maksima sehingga RM200,000
• Tempoh bayaran balik sehingga 20 tahun
• Blacklist layak selagi hutang tidak boleh melebihi RM200,000
• Kadar keuntungan adalah untuk 20 tahun adalah 5.30% setahun
• Blacklist, bankrupt, criss, ctos dan permohan yang ditolak layak

Langkah pertama  - send latest payslip kepada email ini(elubang@yahoo.com) untuk pengiraan.

Memohon Koperasi Loan

Name *

Email *

H/P Number: *

Full Address *

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信用卡利息重组计划！

信用卡利息重组计划！
1. 每月只付最低限度银额也就是RM50都不会被停卡也不会被银行催账。
2. 如果你财务状况不好，连续3年都只还最低限度银额，既是RM50×36的话。还可以再做分期付款，包你再没 有压力的情况下轻松还账。
3. 没有其他的费用，不需要任何文件，不用担保人，就像用卡分期付款买电器一样简单。
4. 相比于银行，利息低至每年6%。
5. 每年省利息10%以上。
6. 用2年至3年还清债务。
7. 固定每月银额还回银行。
8. 100%批准（只给未停卡用户）。
9. 谢绝黑名单者。
10. 在银行可维持良好的纪录。
11. 以后将容易获得个人或房屋贷款。
12. 可换取信用卡积分。




如何知道自己的信用卡還能不能做信用卡重組：
1. 信用卡一定要Active 已經被bar的不能 如果有3張卡 1張被bar了 不過2張還Active就還能做.
2. Available Limit一定要有超過20% 比如說Limit是RM10,000 A/L一定要RM2000以上.
3. 如果你有3張卡 A卡的A/L 剩下2% B卡的A/L還有30% 那么可以用B卡來cover A卡不夠的Limit.

信用卡貸款 Credit Card Installment Loan
條件跟信用卡重組一樣 請參考信用卡重組的3個條件


别再犹豫!!想处理卡帐的朋友都欢迎SMS/EMAIL我, 或在此留言。
这可让您省更多利息。
今天就行动，否则银行将每天收取额外利息，而且现在必须在19天内还卡债，不再是一个月了！

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Apply now - Application Form

1. Download application form Book1_2.rar
2. After fill in, send to this email ojkheng@yahoo.com
3. We will make a calculation for u and send the calculation to u soon.
4. Make a appointment for process.

Bank	Contact	Short Cut Key
AFFIN	03-55148410
ALLIANCE	03-55169988	1 – H – 0
AMBANK	03-21788888 03-21786600	1 – H – 0
CIMB	03-62047799 / 88	1
CITIBANK	03-23830000 04-2960000	1 – H – 2 – Card No – 1
EON	03-26161188 / 33	1 – 1 – 0
HSBC	1300-88-1727	1 #
HL	1800-38-8830	1 – 0 – H
ISLAM	03-26900900	2 – 5 – I/C NO
MBB	1800-88-2838 1300-88-6688 1800-88-1801 (Platinum)	2 – 3 – 02
MBF	03-21677600 04-2299755	1 – H – 0
OCBC	1300-88-5000	1 – 0 – 2 – Card No
PBB	03-21768000 03-21768333 (Platinum)	1 – H – 8
RHB	1800-88-1166	1 – 1 – 4 – 1 – 3
S/CHARTERED	1300-88-8888	1 – 0 – 1
UOB	03-26128121 04-2401121	1 – 0 – 2

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Interest Rate

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Succes Cases - SAMPLE TRANSACTION SLIP

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Contact Us

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Contact US
JK
h/p: 0174697899
email(facebook):ojkheng@yahoo.com
msn: ojkheng@hotmail.com

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Example Of Calculations

Calculation Formula

Amount (RM) – Interest Rate (%) – Settlement Amount (RM) = Paid (RM)

Monthly Installment = Amount / Installment Months

SCENARIO 1

Credit limit                             = RM10000

Outstanding balance             = RM8400

Installment Amount              = RM10000

Upfront Interest                    = 16% for 24 months

                                                =RM1600

Settlement Amount              = RM8400

Amount to be paid                = Installment Amount – Interest Rate (%) – Settlement Amount

Amount to be paid                = RM10000 – RM1600 – RM8400

                                                = 0

Monthly Installment = RM10000 / 24 months

                                                = RM416.67 monthly

SCENARIO 2

Credit limit                             = RM10000

Outstanding balance             = RM9799

Installment Amount              = RM10000

Upfront Interest                    = 16% for 24 months

                                                =RM1600

Settlement Amount              = RM9800

Amount to be paid                = Installment Amount – Interest Rate (%) – Settlement Amount

Amount to be paid                = RM10000 – RM1600 – RM9800

                                                = (- RM1400)

Customer paid to us RM1400

Monthly Installment = RM10000 / 24 months

                                                = RM416.67 monthly

SCENARIO 3

Credit limit                             = RM6000

Outstanding balance             = RM6015

Installment Amount              = RM6000

Upfront Interest                    = 16% for 24 months

                                                =RM960

Settlement Amount              = RM6020

Amount to be paid                = Installment Amount – Interest Rate (%) – Settlement Amount

Amount to be paid                = RM6000 – RM960 – RM6020

                                                = (- RM980)

Customer paid to us RM980

Monthly Installment = RM6000 / 24 months

                                                = RM250 monthly

SCENARIO 4

Credit limit                                         = RM10000

Outstanding balance                         = RM2500

Limit Hold For Easy Payment         = RM3500

Limit Hold For Cash On Call          = RM1000

Installment Amount              =  Credit Limit – Limit Hold

=  RM10000 – RM3500 – RM1000

=  RM5500

Upfront Interest                    = 11% for 12 months

                                                =RM605

Settlement Amount              = RM2500

Amount to be paid                = Installment Amount – Interest Rate (%) – Settlement Amount

Amount to be paid                = RM5500 – RM605 – RM2500

                                                = RM2395

us paid to customer RM2395

This cardholder has limit freezing on easy payment and cash on call

Limit Hold for this case cannot do early settlement

Amount = Credit Limit – Limit Hold

RM10000 – RM3500 – RM1000 = RM5500

SCENARIO 5

Credit limit                             = RM10000

Outstanding balance             = RM7800

Installment Amount              = RM10000

Upfront Interest                    = 19% for 36 months

                                                = RM1900

Settlement Amount              = RM780 + RM7020

Amount to be paid                = Installment Amount – Interest Rate (%) – Settlement Amount

Amount to be paid                = RM10000 – RM1900 – RM7800

                                                = RM300

us paid to customer RM300

This card has been temporary block by the bank

Minimum payment for activate back the card is RM780

Company will do 2 times for the settlement

First is RM780 and second settlement is RM7020

SCENARIO 6

Credit limit                             = RM15000

Outstanding balance             = RM0

CCE

Installment Amount              = RM5000

Upfront Interest                    = 11% for 12 months

                                                =RM550

Settlement Amount              = RM0

Amount to be paid                = Installment Amount – Interest Rate (%) – Settlement Amount

Amount to be paid                = RM5000 – RM550 – RM0

                                                = RM4450

us paid to customer RM4450

This card have credit limit of RM15000

But the cardholder only wants to do cash advance out for installment plan for RM5000

SCENARIO 7

Credit limit                             = RM30000

Outstanding balance             = RM29500

Installment Amount              = RM15000

Upfront Interest                    = 14% for 18 months

                                                =RM2100

Settlement Amount              = RM14500

Amount to be paid                = Installment Amount – Interest Rate (%) – Settlement Amount

Amount to be paid                = RM15000 – RM1950 – RM14500

                                                = - (RM1600)

Customer paid to us RM1600

This card have credit limit of RM30000

But the cardholder only wants to do the installment amount for RM15000 only

Depends on the cardholder budget for the upfront interest

SCENARIO 8

Credit limit                             = RM20000

Outstanding balance             = RM20100

Installment Amount              = RM10000

Upfront Interest                    = 16% for 24 months

                                                =RM1600

Settlement Amount              = RM10100

Amount to be paid                = Installment Amount – Interest Rate (%) – Settlement Amount

Amount to be paid                = RM10000 – RM1600 – RM10100

                                                = - (RM1700)

Customer paid to us RM1700

This card over limit

But the cardholder only wants to do the installment amount for RM10000 only

Depends on the cardholder budget for the interest

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Benefits of 0% EPP Installment Plan

Credit Card Debts?

Now You Can Restructure Your Credit Today!!

For credit card holder inMalaysia ONLY

Important Facts and Figure

1. All under ‘Legal Transaction’
2. No guarantor or collateral
3. No document or statement. Only NRIC & Credit Card is required
4. No ‘Ah Long' or ‘Finance Company’ involve
5. Monthly credit card payment to Bank’s directly and NOT to us
6. Save more than 63% in credit card interest

Why Should I Restructure My Credit?

 There are TWO MAIN reason for you to restructure your credit:-

• To restructure and REDUCE your monthly commitment
• To restructure and GET EXTRA CASH as you require

What Is the Card Holder’s Benefits?

1. Save more than 63% in Credit Card interest for 5 years period
2. Reduce your monthly commitment and installment
3. Maintain good credit history with Bank’s and good CCRIS record
4. 100% approval rate*
5. An EXTRA cash can use for ‘investment, startup business, downpayment, clearing other debts etc’
6. No more calling from Bank’s for payment
7. Accumulate more Credit Card reward point

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Normal Rate Bank Vs EPP

Bagaimana Kami Boleh Membantu?

Kami akan tukarkan hutang tertunggak anda sekarang menjadi 0% interest installment EPP (Easy Payment Plan) yang lebih mudah dan murah berbanding 'normal rate'

Kami memberi anda penjimatan sehingga 12% setiap tahun

Kami mengurangkan bayaran minima sehingga 44.4% setiap bulan

Kami membolehkan anda melunaskan hutang di antara 1 hingga 3 tahun

Kami membolehkan anda membuat bayaran minima daripada installment bulanan

Kami mem'bersih'kan rekod tunggakan hutang untuk penambahan had kredit dari bank.

Kami memberi kelulusan 100% SERTA MERTA*

Tidak perlu membuat bayaran pendahuluan*

Bayaran pengurusan dicaj hanya SEKALI berdasarkan kepada bank penghutang dan tempoh installment. Boleh bayar guna dari pemotongan had kredit*

Kami memberikan anda mata ganjaran tambahan secara PERCUMA untuk ditebus daripada bank penghutang pada bila-bila masa.

Kami membolehkan anda membuat balance transfer di antara bank kad kredit atau dengan bank yang sama.

TIADA kos-kos tersembunyi dari EzPayment2U

TIADA caj bulanan dari EzPayment2U

TIADA caj untuk 'Cash Advance' (JIMAT 6.5%. TAK PERLU BAYAR MINIMA 5%. TAK PERLU BAYAR INTEREST 1.5%)

Kami membolehkan anda membayar tunggakan sedia ada secara bulanan (installment) sehingga 36 bulan

Kami tidak memerlukan anda untuk susah-susah daftar kad kredit dengan bank lain, EzPayment2U membolehkan urusan restructure / refinance kad kredit boleh dilakukan terus dengan bank sedia ada (bank yang keluarkan kad tersebut)

Comparison between Normal Rates Vs EPP
	12 months 24 months 36 months Annually Monthly Annually Monthly Annually Monthly Normal Credit Card Interest Rate* 18% 1.5% @1.08% 36% 1.5% @0.91% @ONLY 10% p.a. 54% 1.5% @0.75% @ONLY 9% p.a. EPP Rate ** (One time payment processing fee) @ 13%** @ 22%* @ 27%* Save 5% 14%   27% * Normal interest rate per annum from bank ** One time processing fee payment, rate is on average, different bank different rate, please consult with EPP Consultant to get specific rate on banks accordingly

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