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Slide 1: www.fiscal-wise.com.my JASON LII CHIEF OPERATING OFFICER 12-7 uSJ 9/5T, SubANG buSINESS CENTRE 47620 uEP SubANG JAyA, SELANGOR, MALAySIA TEL: 03 8024 4816/3340 FAx: 03 9235 1110
Slide 2: www.fiscal-wise.com.my PRODUCT Housing Loan Business Loan Commercial Personal Loan Loan
Slide 3: www.fiscal-wise.com.my WHY US ???
Slide 4: www.fiscal-wise.com.my WHY US ??? SOLUTION
Slide 5: 1) Cash : 1 to 1 2) Loan: 2 to 1 1) Around 30 Finance Institutes 2) More than 300 Housing Loan Packages
Slide 7: Outstanding Balance vs Year 300000 LOAN = 270K 250000 200000 (RM) 150000 A 100000 50000 Total Interest Paid = 276K 1 5 10 15 Year 0 20 25 30
Slide 8: Outstanding Balance vs Year 300000 250000 200000 (RM) 150000 A 100000 50000 Total Money Paid = 270K + 276K = RM 546K 1 5 10 15 Year 0 20 25 30
Slide 9: Example 1: Outstanding Loan After 5 Years = RM 230,963.00 Before Refinance Interest Rate: BLR + 0.25 = 7% Installment = RM 1,662.44 Total Interest Paid = RM 233,412.35 After Refinance Interest Rate: Thereafter = 5.15% Installment = RM 1,370.45 Total Interest Paid = RM 178,830.68 SAVE = RM 54,581.00 Following 300 months First 36 months = 5.25%
Slide 10: Example 2: Outstanding Loan After 5 Years = RM 230,963.00 Before Refinance Interest Rate: Following 300 months BLR + 0.25 = 7% Installment = RM 1,662.44 Total Interest Paid = RM 233,412.35 SAVE = 0 Term = 279 months After Refinance Interest Rate: First 60 months = 5.75% Thereafter = 5.37% Installment = RM 1,662.44 Total Interest Paid = RM 120,149.75 SAVE = RM113,262.60 Term = 212 months
Slide 11: Outstanding Balance vs Year 250000 Outstanding Loan = RM 230,963.00 Before Refinance 200000 150000 (RM) After Refinance 100000 A B 50000 Interest Save = RM 113K Save = 67 months 12 34 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 Year 0
Slide 12: Outstanding Balance vs Year 250000 Outstanding Loan = RM 230,963.00 Before Refinance 200000 150000 (RM) After Refinance 100000 A B 50000 Interest Save = RM 113K Save = 67 months 12 34 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 Year 0
Slide 13: What would be good “Conversation Starters” • Do you still serving your home loan installment? • Do you want to have a 30K cash without paying anything? • Do you want to settle off your credit card outstanding? www.fiscal-wise.com.my
Slide 14: “Phrases Do I Listen For” • • • • My financial very tight. I planning to buy a new house. Can I borrow money from u? If I got extra money I can do this.. that… those… • I plan to refinance my house. www.fiscal-wise.com.my
Slide 15: Common Misconceptions • Can’t save a lot of money.  Every 100k can save up to 30k interest. • Need to pay the legal fees. Now have Zero Moving Cost whereby you don’t need to pay the legal fees. www.fiscal-wise.com.my
Slide 16: • • • • • • • Outstanding Loan > 150K Property in Klang Valley New Purchase or Sub-Sell Property Refinance Estate Negotiator Developer Lawyer
Slide 17: www.fiscal-wise.com.my
Slide 18: www.fiscal-wise.com.my