SMR PLAN Cut Standard Chartered Bank Malaysia Berhad Existing Instalment MortgageOne 224 Months (75.17%) & MYR80,618.79 Interest (77.64%).

1. 6
DISCOVER HOW SMR PLAN HELPED LOAN
BORROWER
EXISTING INSTALMENT
MORTGAGEONE
CUT 224 MONTHS (75.17%)
& MYR80,618.79 INTEREST (77.64%)
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•
•
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Event: Webinar
Language: English
Date: 6th Mar 2014
Day： Thursday
•
•
•
•
Time: 10AM-11AM
Venue: Online
Fee: FOC
Gift: Free SMR PLAN AnalysisR P L A N . C O M
SM
1

2. 6
OUTLINE
1. Introduction
2. SMR PLAN Process
3. Q & A
4. FREE GIFT
5. Conclusion
SMRPLAN.COM
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”?
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
298 Months
298 Months
0 Months
2
Total
Repayment
RM242,366.38
RM242,366.38
RM0.00
3
Total
Interest
RM103,839.40
RM103,839.40
RM0.00
In addition >>>
SMRPLAN.COM
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
SMR75
3
Savings
Total
Payment
Interest
Principal
298
RM242,366.38
RM103,839.40
RM138,526.98
74
RM161,747.59
RM23,220.61
RM138,526.98
224
75.17%
RM80,618.79
77.64%
Good News >>>
SMRPLAN.COM
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 >>>
SMRPLAN.COM
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.
<<< Outline
SMRPLAN.COM
8

9. SMR PLAN Process
In this Case Study, we will show you how SMR PLAN Process helped Loan
Borrower Cut Standard Chartered Bank Malaysia Berhad Existing Instalment
MortgageOne 224 Months (75.17%) & MYR80,618.79 Interest (77.64%).
Analysis
Application
Agreement
SMR Plan
Documents &
Information
Payment
Implementation
Additional
SMR Plan
Let us share with
step by step.
SMRPLAN.COM
9

10. ANALYSIS
Documents
1. Letter of Offer: 14 August 2008, 15 August 2008, 16
August 2008, 9 October 2008
2. Date of First Payment: 30th November 2008
3. Latest Bank Statement as at: 31st December 2013
SMR Analysis >>>
SMRPLAN.COM
10

11. SMR ANALYSIS
No
A
B
Particular
Original
Total
Loan Amount
RM159,032.95
Tenure
360 Months
C
Number of Instalments Paid
62 Months
D
Number of Instalments Remaining (B – C)
298 Months
E
Outstanding Balance
RM138,526.98
F
Current Base Lending Rate
6.60%
G
Interest Rate
4.55%
H
Monthly Repayment
RM813.31
I
Current Loan Tenure
298 Months
J
Number of Instalment Adjusted (I – D)
K
Total Repayment (H x I)
RM242,366.38
L
Total Interest (K – E)
RM103,839.40
BLR – 2.05%
Extended
0 Months
SMR Formulation >>>
SMRPLAN.COM
11

12. SMR FORMULATION
Package
Save
Time
SMR25
76
25% Months
SMR50
SMR75
75%
Interest
Fee
Charge
RM
25,959.85
1%
RM
1,385.27
150
50% Months
RM
51,919.70
1.5%
RM
2,077.90
224
Months
RM
77,879.55
2%
Rental / Cash Return
RM
2,770.54
RM60,998.25
RM
813.31
RM121,996.50
RM182,181.44
The applicant selected SMR75 package to cut 75% Time & 75% Interest.
<<< SMR PLAN Process
SMRPLAN.COM
12

13. APPLICATION
4th December 2013
Sign Up
SMRPlan.com
FREE Member
Acknowledge
Receipt of
Application
20th December 2013
Submit
Application
For SMR Plan
14th December 2013
<<< SMR PLAN Process
SMRPLAN.COM
13

14. AGREEMENT
Approval
Execution
21st December 2013
26th December 2013
<<< SMR PLAN Process
SMRPLAN.COM
14

15. PAYMENT
SMR
PLAN
Fee
Total
Service
Tax
26th December 2013
<<< SMR PLAN Process
SMRPLAN.COM
15

16. DOCUMENTS AND
INFORMATION
30th December 2013
Prepared
11th February
2014
Received
Inquiry
31st December
2013
<<< SMR PLAN Process
SMRPLAN.COM
16

17. SMR PLAN
12th February 2014
SMR
IMPLEMENTATION
SMR
ANALYSIS
SMR
SCHEDULE
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?
SMRPLAN.COM
18

19. 1. Property Information
1. Date of Sales & Purchase Agreement: 14-Feb-2001
2. Property: Double Storey Terrace House
3. Housing Scheme: Under Construction Unit
4. Purchase Price: RM208,000.00
5. Down Payment: RM56,000.00
SMRPLAN.COM
19

20. 2. LENDER Information
1. Banking Institutions: Commercial Bank
2. Lender: Standard Chartered Bank Malaysia Berhad
SMRPLAN.COM
20

21. 3. Original Mortgage Information
1. Loan Status: Existing Instalment
2. Loan Type: MortgageOne
3. Date of Letter Offer: 15 August 2008
4. Date of Loan Agreement: 13-Nov-2008
5. Standing Instruction / Auto Debit: Yes
In-depth Analysis >>>
SMRPLAN.COM
21

22. K. Repayment :
Tier Months
1
12
2
12
3
36
4
300
Monthly
RM853.72
RM853.69
RM858.32
RM828.72
Interest on the facility (ies)
(other than the overdraft
facility) shall be calculated on
a daily basis and capitalized
monthly. Until commencement
of the instalment repayment,
interest shall be paid monthly
in arrears commencing from
the corresponding date falling
one month after the first
drawndown date.
N. Total
Repayment:
RM299,764.44
3. Original Mortgage
Information
C. Mortgage Type: Adjustable Rates Mortgage
E. Compounded Interest: Daily
H. Base Lending Rate: 6.75%
I. Number of Tier: 4
J. Interest Rate:
Tier 1: 12 Months BLR - 1.75% = 5.00%
Tier 2: 12 Months BLR - 1.75% = 5.00%
Tier 3: 36 Months BLR - 1.70% = 5.05%
Tier 4: 300 Months BLR - 2.05% = 4.70%
Year 1: the date of the first
disbursement until
30/11/2009. Year 2:
1/12/2009 until
30/11/2009. Year 3 to
Year 5: 1/12/2010 until
30/11/2013.
Subsequent years:
1/12/2013 and
thereafter.
Total Principal
RM159,032.95
Repayment
F. Payment Frequency:
Monthly
Total Interest
RM140,731.49
B. Period: 360 Months
D. Basis Year: 365 Days
G. Exact Day: Yes
L. Loan Disbursement:
First Release: 31 October 2008
Final Release: 05 January 2009
M. 1st Repayment Date: 30 November 2008
A. Loan Principal
Amount: RM156,000.00
MRTA: RM3,032.95
Legal Fee: RM0.00
Valuation Fee: RM0.00
Others: RM0.00
Total: RM159,032.95
What about
Current
Mortgage
Analysis? >>>
SMRPLAN.COM
22

23. 4. Current Mortgage Information
E. Current BLR: 6.60%
F. Number of Tier Remaining: 1
G. Interest Rate: BLR – 2.05% = 4.55% D. Outstanding Balance: RM138,526.98
K. Total
Repayment:
RM242,366.38
Repayment
H. Repayment:
RM813.31
Total Principal
RM138,526.98
B. No. of
Installments
Paid:
62 Months
J. No. of
Installments
Extended
Total Interest
RM103,839.40
B. Period: 360 Months
A. As at: 31 December 2013
Total Repayment Paid:
RM52,805.88
Total Principal Paid:
RM20,505.97
Total Interest Paid:
RM32,299.91
0 Months
C. Number of Installments Remaining: 298 Months
I. Current Loan Tenure:
298 Months
What’s your problem? >>> S M R P L A N . C O M
23

24. 5. What’s your PROBLEM?
No
Particular
1
Tenure
Remaining
2
3
Original
Current
Problem
298 Months
298 Months
0 Months
Total
Repayment
RM242,366.38
RM242,366.38
RM0.00
Total
Interest
RM103,839.40
RM103,839.40
RM0.00
What are the root causes? >>>
SMRPLAN.COM
24

25. 6. What are the ROOT CAUSES
of your PROBLEM?
Fluctuation
of
BLR
No Additional
SMR
Schedule
Problem
Current Loan
Tenure
298 Months
&
Total Interest
RM103,839.40
Root
Causes
Consolidated
Statement
MortgageOne
SMRPLAN.COM
25

26. Fluctuation of BLR
6.70%
6.75%
6.60%
6.50%
6.50%
6.30%
6.30%
6.10%
6.05%
5.95%
5.90%
5.80%
5.70%
5.50%
2007
5.55%
2008
2009
2010
2011
SMRPLAN.COM
26

27. Consolidated Statement
Loan Account
31 Dec 2013
Outstanding Loan Amount
RM138,526.98
−
Current Account
15 Jan 2014
Available Credit For Withdrawal
Cash
RM40,855.71
Consolidated Statement
15 Jan 2014
Loan Account Number: xxx-x-xxxxxxx-x
RM Balance
97,641.27
Interest Saved
RM6,478.06
Monthly Installment @
Next Due Date
RM813.03
31 Jan 2014
Total Loan Limit
Available
(redemption
reference) at last
due date:
RM145,005.04
Interest Rate %
4.5500%
SMRPLAN.COM
27

28. SMR FORMULATION
1. SMR Target
2. SMR Methodology
SMRPLAN.COM
28

29. 1. SMR Target
Package
Save
Months
Interest
SMR75
75%
224
RM77,879.55
How to achieve it? >>>
Repayment
Total Principal
RM138,526.98
B. No. of
Installments
Paid:
62 Months
J. No. of
Installments
Extended
Total Interest
RM103,839.40
B. Period: 360 Months
0 Months
Number of Installments Remaining: 298 Months
Current Loan Tenure: 298 Months
SMRPLAN.COM
29

30. 2. SMR Methodology
Package
Save
Months
Interest
SMR75
75%
224
RM77,879.55
Repayment
Total
Principal
RM138,526.98
Save
Total Principal
75% Time
RM138,526.98
B. No. of
Installments
Paid:
62 Months
Total
Total Interest
Interest
RM25,959.85
RM103,839.40
&
J. No. of
Installments
75% Interest Extended
With
SMR Schedule
>>>
B. Period: 360 Months
0 Months
Number of Installments Remaining: 298 Months
Current Loan Tenure: 298 Months
SMRPLAN.COM
30

31. SMR SCHEDULE
SMRPLAN.COM
31

32. SMR SCHEDULE
The different between BANK and SMR Schedule.
No
Particulars
Months
1
Bank
2
SMR75
3
Savings
Total
Payment
Interest
Principal
298
RM242,366.38
RM103,839.40
RM138,526.98
74
RM161,747.59
RM23,220.61
RM138,526.98
224
75.17%
RM80,618.79
77.64%
A SMR Schedule for SMR Implementation with effective from 31st January 2014.
The Applicant is required to CONTROL the SMR Schedule by follow up,
review and feedback at the “Remarks” column.
Graduated Payment Scheme >>>
SMRPLAN.COM
32

33. SMR SCHEDULE
In SMR Schedule, the payments are GRADUATED EVERY MONTH to cut
Standard Chartered Bank Malaysia Berhad Existing Instalment MortgageOne
224 Months (75.17%) & MYR80,618.79 Interest (77.64%).
3,500.00
3,000.00
2,500.00
2,000.00
1,500.00
1,000.00
500.00
1 5 9 13 17 21 25 29 33 37 41 45 49 53 57 61 65 69 73
How to IMPLEMENT? >>>
SMRPLAN.COM
33

34. SMR IMPLEMENTATION
Effective
31st January
2014
SMRPLAN.COM
34

35. 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 >>>
SMRPLAN.COM
35

36. 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 >>>
SMRPLAN.COM
36

37. 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? >>>
SMRPLAN.COM
37

38. 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.
Q & A >>>
SMRPLAN.COM
38

39. 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.
<<< Outline
SMRPLAN.COM
39

40. 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
SMRPLAN.COM
40

41. 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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41