The document summarizes an SMR PLAN webinar that was presented to help loan borrowers get out of debt. It provides an overview of the webinar agenda and then shares a case study of how SMR PLAN helped one borrower cut their loan tenure by 147 months and reduce interest payments by over RM106,000. The summary reviews the SMR PLAN process, which included analyzing the borrower's existing loan details, formulating an SMR plan to save 50% on time and interest, creating an SMR payment schedule, and implementing the plan to help the borrower become debt free sooner.

1. 4
Discover How SMR PLAN Helped Loan Borrower
Existing Instalment
i-WISH FLEXI HOME FINANCING-i
Cut 147 Months (50.52%)
& MYR106,308.57 Interest (51.28%)
•
•
•
•
Event: Webinar
Language: English
Date: 6th Dec 2013
Day： Friday
SMR PLAN Case Study 4
•
•
•
•
Time: 10AM-11AM
Venue: Online
Fee: FOC
Gift: Free SMR PLAN Analysis
SMRPlan.com
1

2. 4
OUTLINE
1. Introduction
2. SMR PLAN Process
3. Q & A
4. FREE GIFT
5. Conclusion
SMR PLAN Case Study 4
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2

3. Introduction
Do you know “If
YOU do not have
an OUT-OF-DEBT
PLAN,
rest assured YOU
are under the
influence of
SOMEONE else’s
INTO-DEBT
PLAN”?
SMR PLAN Case Study 4
By the end of this webinar >>>
SMRPlan.com
3

4. INTO-DEBT PLAN
You will discover the PROBLEM of an
INTO-DEBT PLAN as illustrated below.
No
Particular
Original
Current
Problem
1
Tenure
Remaining
291 Months
291 Months
0 Months
2
Total
Repayment
RM521,556.39
RM521,556.39
RM0.00
3
Total
Interest
RM207,307.85
RM207,307.85
RM0.00
In addition >>>
SMR PLAN Case Study 4
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4

5. OUT-OF-DEBT PLAN
You will also discover the SOLUTION of an
OUT-OF-DEBT PLAN as illustrated
below.
No
Particulars
Months
1
Bank
2
SMR50
3
Savings
Total
Payment
Interest
291
RM521,556.39
RM207,307.85
RM314,248.54
144
RM415,247.82
RM100,999.28
RM314,248.54
147
Principal
RM106,308.57
50.52%
51.28%
Good News >>>
SMR PLAN Case Study 4
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5

6. SMR PLAN
Is an OUT-OF-DEBT PLAN
an INTO-DEBT PLAN
which can help
WORLD Loan
Borrowers
To
GET OUT-OF-DEBT
a SOLUTION for
a PROBLEM of
FREE Gift >>>
SMR PLAN Case Study 4
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6

7. FREE GIFT
Great News! In appreciation to your
registration of this WEBINAR, you will
be given up to a maximum of THREE
(3) FREE SMR PLAN Analysis FREE
GIFTS and you can claim it as follows:
Please check
your EMAIL to
find out How To
Claim Your FREE
Gifts.
1
• Social Network
2
• Sign Up FREE Member
3
• Prepare & SCAN Loan Documents
4
• Upload Loan Documents
5
• FREE SMR PLAN Analysis
Ask a Question >>>
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7

8. Ask a Question
• Should you have any
question, please click
“Ask a Question” to
Start Chat ANYTIME
during the webinar and
we shall answer each
question at the end of
this Webinar.
• Should we are unable to
answer your question(s)
in this Webinar, we will
answer it via Email.
SMR PLAN Case Study 4
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<<< Outline
8

9. SMR PLAN Process
In this Case Study, we will show you how SMR PLAN Process helped Loan
Borrower Cut Alliance Islamic Bank Existing Installment i-WISH FLEXI HOME
FINANCING-i 147 Months (50.52%) & MYR106,308.57 Interest (51.28%).
Analysis
Application
Agreement
SMR Plan
Documents &
Information
Payment
Implementation
SMR PLAN Case Study 4
Additional
SMR Plan
SMRPlan.com
Let us share with
step by step.
9

10. ANALYSIS
Documents
1. Letter of Offer: 28 August 2012
2. Date of First Payment: 1st February 2013
3. Latest Bank Statement as at: 24th October 2013
SMR Analysis >>>
SMR PLAN Case Study 4
SMRPlan.com
10

11. SMR ANALYSIS
No
Particular
A
B
Total
Loan Amount
Original
RM329,136.95
Tenure
300 Months
C
Number of Instalments Paid
9 Months
D
Number of Instalments Remaining (B – C)
291 Months
E
Outstanding Balance
RM314,248.54
F
Current Base Lending Rate
6.60%
G
Interest Rate
4.30%
H
Monthly Repayment
RM1,792.29
I
Current Loan Tenure
291 Months
J
Number of Instalment Adjusted (I – D)
K
Total Repayment (H x I)
RM521,556.39
L
Total Interest (K – E)
RM207,307.85
SMR PLAN Case Study 4
BLR – 2.30%
SMRPlan.com
Extended
0 Months
SMR Formulation >>>
11

12. SMR FORMULATION
Package
Save
Time
Interest
Fee
Charge
SMR25
25%
73
Months
RM
51,826.96
1%
SMR50
50%
146
Months
RM
3,142.48
RM
103,653.92
1.5%
RM
4,713.72
SMR75
75%
219
Months
RM
155,480.88
2%
RM
6,284.97
Rental / Cash Return
RM130,837.17
RM
1,792.29
RM261,674.34
RM392,511.51
The applicant selected SMR50 package to cut 50% Time & 50% Interest.
<<< SMR PLAN Process
SMR PLAN Case Study 4
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12

13. APPLICATION
7th November 2013
Sign Up
SMRPlan.com
FREE Member
Acknowledge
Receipt of
Application
Submit
Application
For SMR Plan
7th November 2013
7th November 2013
<<< SMR PLAN Process
SMR PLAN Case Study 4
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13

14. AGREEMENT
Approval
Execution
10th November 2013
10th November 2013
<<< SMR PLAN Process
SMR PLAN Case Study 4
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14

15. PAYMENT
SMR
PLAN
Fee
Total
Service
Tax
11th November 2013
<<< SMR PLAN Process
SMR PLAN Case Study 4
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15

16. DOCUMENTS AND
INFORMATION
15th November 2013
Prepared
19th November
2013
Received
Inquiry
18th November
2013
<<< SMR PLAN Process
SMR PLAN Case Study 4
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16

17. SMR PLAN
23rd November 2013
Effective
1st November
2013
SMR
SCHEDULE
SMR PLAN Case Study 4
SMR
SMR
IMPLEMENTATION
ANALYSIS
SMR
FORMULATION
SMRPlan.com
17

18. SMR ANALYSIS
1. PROPERTY Information
2. LENDER Information
3. ORIGINAL Mortgage Information
4. CURRENT Mortgage Information
5. What’s your PROBLEM?
6. What are the ROOT CAUSES of your PROBLEM?
SMR PLAN Case Study 4
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18

19. 1. Property Information
1. Date of Sales & Purchase Agreement: 19-Oct-2012
2. Property: Double Storey Terrace House
3. Housing Scheme: Under Construction Unit
4. Purchase Price: RM350,000.00
5. Down Payment: RM35,000.00
SMR PLAN Case Study 4
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19

20. 2. LENDER Information
1. Banking Institutions: Commercial Bank
2. Lender: Alliance Islamic Bank Berhad
SMR PLAN Case Study 4
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20

21. 3. Original Mortgage Information
1. Loan Status: Existing Instalment
2. Loan Type: i-WISH FLEXI HOME FINANCING-i
3. Date of Letter Offer: 28 August 2012
4. Date of Loan Agreement: 24-Dec-2012
5. Standing Instruction / Auto Debit: Yes
In-depth Analysis >>>
SMR PLAN Case Study 4
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21

22. C. Mortgage Type: Adjustable Rates Mortgage
E. Compounded Interest: Daily
H. Base Lending Rate: 6.60%
I. Number of Tier: 1
J. Interest Rate:
Tier 1: BLR – 2.30% = 4.30% (The first tier Profit Rate shall commence from Date
of First Release, whichever is earlier. The rates are subject to maximum ceiling
rate of 9.90% or rate of return, whichever is lower. Rate of Return is calculated
based on Daily rest.)
F. Payment Frequency:
Monthly
K. Repayment :
Tier 1: RM1,792.29
(The installment shall
commence upon initial
disbursement of the facility.
If initial disbursement is
made on or before 15th of
the month, the monthly
installment shall commence
on the first day of the
following month. If initial
disbursement is made after
15th of the month, the
monthly installment shall
commence on the first day
of the following month after
the following month.)
Total Principal
RM329,136.95
Repayment
3. Original
Mortgage
Information
Total Interest
RM208,550.05
B. Period: 300 Months
N. Total
Repayment:
RM537,687.00
D. Basis Year: 365 Days
G. Exact Day: Yes
L. Loan Disbursement:
First Release: 07 January 2013
Final Release: 20 March 2013
Total Disbursement: RM329,136.95
SMR PLAN Case Study 4
M. 1st Repayment Date: 1 February 2013
SMRPlan.com
A. Loan Principal
Amount: RM315,000.00
MRTA: RM5,836.95
Legal Fee: RM8,300.00
Valuation Fee: RM0.00
Others: RM0.00
Total: RM329,136.95
What about
Current
Mortgage
Analysis?
>>>
22

23. 4. Current Mortgage Information
E. Current BLR: 6.60%
F. Number of Tier Remaining: 1
G. Interest Rate: BLR – 2.30% = 4.30% D. Outstanding Balance: RM314,248.54
K. Total
Repayment:
RM521,556.39
Repayment
H. Repayment:
RM1,792.29
Total Principal
RM314,248.54
B. No. of
Installments
Paid:
9 Months
J. No. of
Installments
Extended
Total Interest
RM207,307.85
B. Period: 300 Months
A. As at: 24 October 2013
Total Repayment Paid:
RM16,130.61
Total Principal Paid:
RM14,888.41
Total Interest Paid:
RM1,242.20
SMR PLAN Case Study 4
0 Months
C. Number of Installments Remaining: 291 Months
I. Current Loan Tenure:
291 Months
What’s your problem? >>>
SMRPlan.com
23

24. 5. What’s your PROBLEM?
No
Particular
Original
Current
Problem
1
Tenure
Remaining
291 Months
291 Months
0 Months
2
Total
Repayment
RM521,556.39
RM521,556.39
RM0.00
3
Total
Interest
RM207,307.85
RM207,307.85
RM0.00
What are the root causes? >>>
SMR PLAN Case Study 4
SMRPlan.com
24

25. 6. What are the ROOT CAUSES
of your PROBLEM?
No
Changes of
BLR
Problem
Current Loan Tenure
291 Months
&
Total Interest
RM207,307.85
Root
Causes
No. of
Installments
Paid:
9 Months
No. of
Installments
Unpaid:
291 Months
Early Application
for SMR PLAN
SMR PLAN Case Study 4
SMRPlan.com
The EARLIER
you start, the
more you SAVE,
the LATER you
start, the more
you PAY!
25

26. SMR FORMULATION
1. SMR Target
2. SMR Methodology
SMR PLAN Case Study 4
SMRPlan.com
26

27. 1. SMR Target
Package
Save
SMR50
Months
50%
146
Interest
RM103, 653.93
How to achieve it? >>>
Repayment
Total Principal
RM314,248.54
B. No. of
Installments
Paid:
9 Months
J. No. of
Installments
Extended
Total Interest
RM207,307.85
B. Period: 300 Months
0 Months
Number of Installments Remaining: 291 Months
Current Loan Tenure: 291 Months
SMR PLAN Case Study 4
SMRPlan.com
27

28. 2. SMR Methodology
Package
Save
Months
Interest
SMR50
50%
146
RM103, 653.93
Total Principal
Total
RM314,248.54
Repayment
Save
Principal
50% Time
RM314,248.54
B. No. of
Installments
Paid:
9 Months
Total Interest
Total Interest
RM207,307.85
RM103,653.92
& J. No. of
Installments
50% Interest
Extended
With
SMR Schedule
>>>
B. Period: 300 Months
0 Months
Number of Installments Remaining: 291 Months
Current Loan Tenure: 291 Months
SMR PLAN Case Study 4
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28

29. SMR SCHEDULE
SMR PLAN Case Study 4
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29

30. SMR SCHEDULE
The different between BANK and SMR Schedule.
No
Particulars
1
Bank
2
SMR50
3
Savings
Months
Total
Payment
Interest
Principal
291
RM521,556.39
RM207,307.85
RM314,248.54
144
RM415,247.82
RM100,999.28
RM314,248.54
147
RM106,308.57
50.52%
51.28%
A SMR Schedule for SMR Implementation with effective from 1 November 2013.
The Applicant is required to CONTROL the SMR Schedule by follow up,
review and feedback at the “Remarks” column.
Graduated Payment Scheme >>>
SMR PLAN Case Study 4
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30

31. SMR SCHEDULE
In SMR Schedule, the payments are GRADUATED EVERY MONTH to cut
Alliance Islamic Bank Existing Installment i-WISH FLEXI HOME FINANCING-i
147 Months (50.52%) & MYR106,308.57 Interest (51.28%).
1
8
15
22
29
36
43
50
57
64
71
78
85
92
99
106
113
120
127
134
141
4,500.00
4,000.00
3,500.00
3,000.00
2,500.00
2,000.00
1,500.00
1,000.00
500.00
-
How to IMPLEMENT? >>>
SMR PLAN Case Study 4
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31

32. SMR IMPLEMENTATION
Effective
1st November
2013
SMR PLAN Case Study 4
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32

33. Implementation
The Applicant must promptly pay the exact monthly
instalments repayment amount on the repayment due date
strictly in accordance with the SMR Plan provided by the
Company OR on the following three (3) working days from
the repayment due date (Repayment Time Period”).
The Applicant shall strictly adhere to the Repayment Time
Period irrespective of whether monthly instalment
repayment is made by way of CASH or by CHEQUE to
Loan Account.
More >>>
SMR PLAN Case Study 4
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33

34. Implementation
The Outstanding Balance with the Lender shall not
include incidental charges such as insurance
premiums,
penalty
charges,
late
payment
charges, monthly administrative charges and legal
fees.
More >>>
SMR PLAN Case Study 4
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34

35. Implementation
This SMR Plan shall automatically be terminated and null and void if
the applicant by own action prematurely terminate the SMR Plan by:
1.
2.
3.
4.
5.
6.
disposing off the Property or
transferring the Property to any third party or
refinancing the existing loan facility or
early redeeming the loan facility with Lender or
defaulting in the repayment of the monthly instalment loan facility
or
engaging in a situation or conduct which shall have the effect
of rendering the Lender to recall or terminate the loan facility.
How to MONITOR? >>>
SMR PLAN Case Study 4
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35

36. Additional SMR Plan
Variation of Interest Rate (VIR)
Please be informed that in
the situation of Variation of
Interest Rate (“VIR”) due to
changes of
• Base Lending Rate
(“BLR”) and/or
• Adjusted Interest Rate
(“AIR”) by the Lender
and/or
• application for Lower
Interest Rate (“LIR”) by
you,
Central
Bank
Base
Lending
Rate
Lender
Lower
Interest
Rate
Applicant
Adjusted
Interest
Rate
the Applicant is allowed to apply Additional SMR Plan.
SMR PLAN Case Study 4
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Q & A >>>
36

37. Q&A
Ok, now is the Q & A.
• Should you have any
questions, please click
“Ask a Question” to
Start Chat NOW and we
are going to answer
each question NOW.
• Should we are unable to
answer your question(s)
in this Webinar, we will
answer it via Email.
SMR PLAN Case Study 4
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<<< Outline
37

38. FREE GIFT
Great News! In appreciation to your
registration of this WEBINAR, you will
be given up to a maximum of THREE
(3) FREE SMR PLAN Analysis FREE
GIFTS and you can claim it as follows:
Please check
your EMAIL to
find out How To
Claim Your FREE
Gifts.
1
• Social Network
2
• Sign Up FREE Member
3
• Prepare & SCAN Loan Documents
4
• Upload Loan Documents
5
• FREE SMR PLAN Analysis
SMR PLAN Case Study 4
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38

39. Conclusion
1. Firstly, THANK YOU for joining this
SMR PLAN Case Study Webinar.
2. Secondly, please upload your FREE
SMR
PLAN
Analysis
Loan
Documents ASAP or latest within 2
Weeks, failing which…
3. Thirdly, I will FOLLOW UP you via
email.
4. Fourthly, this FREE Gift is also
opened to those who register and
join REPLAY Webinar.
5. Lastly, hope you enjoy this Webinar
and I will END this Webinar NOW!
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39