<p class="MsoNormal" style="margin-left:21.0pt;text-indent:-21.0pt;background:
white"><span lang="EN-US" style="font-size: 13.5pt; font-family: Wingdings; ">l</span><span lang="EN-US" style="font-size: 7pt; "> <span class="apple-converted-space"> </span></span><span lang="EN-US" style="font-size: 13.5pt; font-family: Arial; ">C/Card Restructure<span class="apple-converted-space"><b> </b></span><b>=</b><span class="apple-converted-space"> </span>Lower Interest Rate<span class="apple-converted-space"> </span><b>=</b><span class="apple-converted-space"> </span>SAVE MONEY</span><span lang="EN-US" style="font-family: Arial; "></span></p>
<p class="MsoNormal" style="background:white"><span lang="EN-US" style="font-size: 13.5pt; font-family: Arial; "> </span><span lang="EN-US" style="font-family: Arial; "></span></p>
<p class="MsoNormal" style="margin-left:21.0pt;text-indent:-21.0pt;background:
white"><span lang="EN-US" style="font-size: 13.5pt; font-family: Wingdings; ">l</span><span lang="EN-US" style="font-size: 7pt; "> <span class="apple-converted-space"> </span></span><span lang="EN-US" style="font-size: 13.5pt; font-family: Arial; ">Monthly installment
(EPP)<span class="apple-converted-space"> </span><b>=</b><span class="apple-converted-space"> </span>Able to know when finish pay off your
DEBTS (No more bank chase for payment)</span><span lang="EN-US" style="font-family: Arial; "></span></p>
<p class="MsoNormal" style="background:white"><span lang="EN-US" style="font-size: 13.5pt; font-family: Arial; "> </span><span lang="EN-US" style="font-family: Arial; "></span></p>
<p class="MsoNormal" style="margin-left:21.0pt;text-indent:-21.0pt;background:
white"><span lang="EN-US" style="font-size: 13.5pt; font-family: Wingdings; ">l</span><span lang="EN-US" style="font-size: 7pt; "> <span class="apple-converted-space"> </span></span><span lang="EN-US" style="font-size: 13.5pt; font-family: Arial; ">LOW commitment = Able to
apply for loan and no more high commitment!!</span><span lang="EN-US" style="font-family: Arial; "></span></p>
<p class="MsoNormal"><b><span lang="EN-US" style="font-size: 13.5pt; font-family: Arial; "> </span></b><span lang="EN-US" style="font-family: Arial; "></span></p>
<p class="MsoNormal"><b><span lang="EN-US" style="font-size: 14pt; font-family: Arial; ">HP: 016-323 0597 Lim</span></b><span lang="EN-US" style="font-family: Arial; "></span></p>
<p class="MsoNormal" style="margin-left:21.0pt;text-indent:-21.0pt"><span lang="EN-US" style="font-family: Arial; ">
atau</span></p>
<p class="MsoNormal" style="margin-left:21.0pt;text-indent:-21.0pt"><span lang="EN-US" style="font-family: Arial; ">E-mail:<span class="apple-converted-space"> </span><a href="mailto:looihc.lulus@gmail.com">eppconsultancy@gmail.com</a></span></p>
<p class="MsoNormal" style="margin-left:21.0pt;text-indent:-21.0pt"><span lang="EN-US" style="font-family: Arial; ">Website:<span class="apple-converted-space"> </span><a href="http://looihclulus.blogspot.com/p/home.html">http://www.eppconsultancy.blogspot.com</a></span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; "> </span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; "> </span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">Penyelesaian
kepada<span class="apple-converted-space"> </span><b>beban<span class="apple-converted-space"> </span>hutang</b><span class="apple-converted-space"> </span>credit card yang tertunggak dengan
penjimatan interest serendah 6% setahun.</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; "> </span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">>
Konsep<span class="apple-converted-space"> </span><b><i>Easy Payment
Installment</i></b><span class="apple-converted-space"> </span>dengan bank
CC yang sama jaminan<span class="apple-converted-space"> </span></span><b><span lang="EN-US" style="font-family:Arial;color:red">100% approval</span></b><b><span lang="EN-US" style="font-family: Arial; ">**).</span></b><span class="apple-converted-space"><span lang="EN-US" style="font-family: Arial; "> </span></span><span lang="EN-US" style="font-family: Arial; ">Boleh juga membayar minimum payment dari monthly installment (jika
perlu).</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; "> </span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">>
Masa pemprosesan yang cepat hanya perlu 30 minit ke 1 jam Sekiranya CC tiada
masalah dengan bank issuer).<span class="apple-converted-space"> </span><b>No
processing fee</b>!</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; "> </span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">>
Boleh juga mendapatkan<span class="apple-converted-space"> </span><b>CASH</b><span class="apple-converted-space"> </span>untuk persendirian, perniagaan atau
pelaburan dengan interest sama seperti di atas!</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; "> </span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">Senarai
Bank:</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; "> </span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">RHB </span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">EON </span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">MAYBANK
</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">STD
CHARTERED </span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">AFFIN
BANK </span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">BANK
ISLAM</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">ALLIANCE
BANK </span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">CITIBANK
</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">OCBC </span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">HSBC </span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">CIMB </span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">UOB</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">AMBANK</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">BSN </span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">PUBLIC
BANK </span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">HONG
LEONG</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; "> </span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">Member-member
kat Area di bawah yg berminat boleh hubungi sy</span><span style="font-family: ËÎÌå; ">£º</span><span lang="EN-US" style="font-family: Arial; "></span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">1.CHERAS,KL</span><span style="font-family: ËÎÌå; ">£¬</span><span lang="EN-US" style="font-family: Arial; ">SUBANG</span><span style="font-family: ËÎÌå; ">£¬</span><span lang="EN-US" style="font-family: Arial; ">SHAH ALAM</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">2.PETALING
JAYA</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">3.PUCHONG</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">4.JOHOR</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">5.MUAR</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">6.BATU
PAHAT</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">7.</span><span lang="EN-US" style="font-family: Arial; ">IPOH</span><span lang="EN-US" style="font-family: Arial; "></span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">8.</span><span lang="EN-US" style="font-family: Arial; ">PENANG</span><span lang="EN-US" style="font-family: Arial; "></span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">9.SEREMBAN</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">10.KUANTAN</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; "> </span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">**
100% approval is subject to the CC is active or temporary block only. Not
applicable for those CC with Permanent Block or Cancelled.</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; "> </span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">Perbandingan
bayaran interest antara bank-bank tempatan:</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; "> </span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">TAHUN
1 tahun 2 tahun 3 tahun</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">EPP 13%
22% 30%</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">BANK
18% 36% 54%</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; "> </span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">SAVE 5%
14% 24%</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">RM10K
RM500 RM2200 RM3000</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; "> </span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">LIHAT!
BERAPA BANYAK BOLEH DIJIMATKAN DENGAN RM10K!</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; "> </span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">Saya
kini membayar CC dengan interest yang rendah. Anda bila lagi??</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; "> </span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">Ini
aku kasi contoh calculation. Based on case basis, tengok pada bank credit card
(utk option term payment dan %%), outstanding amount dan credit limit.</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; "> </span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">Card
Bank – MAYBANK</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">Option
untuk term (%%) available for this bank – 24mths(24%), 36mths(30%)</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; "> </span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">Katakan</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">Credit
Limit = RM5000.00</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">Outstanding
balance = RM2500.00</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">Amount
for installment = RM4000.00 (Bergantung kepada berapa u nak ambil memandangkan
had boleh pakai masih tinggi. Apepun tak boleh exceed credit limit)</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; "> </span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">Amount
for settlement = RM2500.00</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">Formula
= Amount for installment – Interest Upfront – Amount for settlement</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">=
RM4000 – 30% – RM2500</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">=
RM300 (Company akan bayar CASH pada anda)</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; "> </span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">So
monthly installment = RM4000 / 36 = RM111.11 selama 36 bulan</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; "> </span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">Atau
u boleh juga bayar kurang atau at least 5% dari RM111.11, dan bank akan kenakan
charge dari monthly installment tidak dibayar = katakana u bayar RM50, jadi
kena charge 1.5% x RM61.11 = RM0.91</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; "> </span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">Jadi
boleh buat perbandingan dengan bayaran yg dibuat ikut normal interest 18%
setahun sekarang. Plan ni beri kita flexibility utk manage balik credit card
atau nak refresh balik track record yang tak cantik.</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; "> </span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">salam</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; "> </span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">keseluruhannya,
concept ni adalah bantu dlm convert outstanding kepada installment dgn mengguna
easy payment plan.</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; "> </span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">Plan
menyelesaikan beberapa masalah yg dialami oleh pemengang kad kredit:</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; "> </span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">1.Cuma
bayar minimum payment setiap bulan?</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">2.Hutang
x habis-habis walaupun payment dibayar?</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">3.Selalu
dapat call dari bank ?</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; ">4.Kadang
kala kena late payment charge?</span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; "> </span></p>
<p class="MsoNormal"><u><span lang="EN-US" style="font-family: Arial; ">utk
check sama ada layak utk plan ni, u boleh pm/email kad kredit anda seperti di
bawah:</span></u><span lang="EN-US" style="font-family: Arial; "></span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: Arial; "> </span></p>
<p class="MsoNormal"><b><span lang="EN-US" style="font-family: Arial; ">1.
Bank <span class="apple-converted-space"> </span> <span class="apple-converted-space"> </span>:</span></b><span lang="EN-US" style="font-family: Arial; "></span></p>
<p class="MsoNormal"><b><span lang="EN-US" style="font-family: Arial; ">2.
Oustanding balance/ baki kad<span class="apple-converted-space"> </span>:</span></b><span lang="EN-US" style="font-family: Arial; "></span></p>
<p class="MsoNormal"><b><span lang="EN-US" style="font-family: Arial; ">3.
Credit limit / had<span class="apple-converted-space"> </span> <span class="apple-converted-space"> </span>:</span></b><span lang="EN-US" style="font-family: Arial; "></span></p>
<p class="MsoNormal"><b><span lang="EN-US" style="font-family: Arial; ">4.
Kad masih active
(Y/N) <span class="apple-converted-space"> </span> <span class="apple-converted-space"> </span>:</span></b><span lang="EN-US" style="font-family: Arial; "></span></p>
<p class="MsoNormal"><b><span lang="EN-US" style="font-family: Arial; ">5.
Name/
Nama <span class="apple-converted-space"> </span> <span class="apple-converted-space"> </span>:</span></b><span lang="EN-US" style="font-family: Arial; "></span></p>
<p class="MsoNormal"><b><span lang="EN-US" style="font-family: Arial; ">6.No
Telefon <span class="apple-converted-space"> </span>:</span></b><span lang="EN-US" style="font-family: Arial; "></span></p>
<p class="MsoNormal"><b><span lang="EN-US" style="font-family: Arial; "> </span></b><span lang="EN-US" style="font-family: Arial; "></span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family:Arial"> Untuk pertanyaan lanjut, hubungi saya:</span></p>
<p class="MsoNormal" style="margin-left:21.0pt;text-indent:-21.0pt"><span lang="EN-US" style="font-family: Arial; "> </span></p>
<p class="MsoNormal" style="margin-left:21.0pt;text-indent:-21.0pt"><span lang="EN-US" style="font-family: Arial; ">HP: 016-323 0597 Lim </span></p>
<p class="MsoNormal" style="margin-left:21.0pt;text-indent:-21.0pt"><span lang="EN-US" style="font-family: Arial; ">atau</span></p>
<p class="MsoNormal" style="margin-left:21.0pt;text-indent:-21.0pt"><span lang="EN-US" style="font-family: Arial; ">E-mail:<span class="apple-converted-space"> </span><a href="mailto:looihc.lulus@gmail.com">eppconsultancy@gmail.com</a></span></p>
<p class="MsoNormal" style="margin-left:21.0pt;text-indent:-21.0pt"><span lang="EN-US" style="font-family: Arial; ">Website:<span class="apple-converted-space"> </span><a href="http://looihclulus.blogspot.com/p/home.html">http://www.eppconsultancy.blogspot.com</a></span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-size:12.0pt"> </span></p>