The webinar presented the SMR plan case study which helped a loan borrower reduce their HSBC homeowner installments by 327 bi-weeks (53.96%) and save MYR 43,956.21 in interest (50.36%). It emphasized the importance of having an 'out-of-debt' plan and showcased the process and benefits of the SMR plan. Participants were also offered a free SMR plan analysis as a gift for attending the webinar.

1. 3
Discover How SMR PLAN Helped Loan Borrower
Existing Instalment
HSBC Homemaker
Cut 327 Bi-weeks (53.96%)
& MYR43,956.21 Interest (50.36%)
•
•
•
•
Event: Webinar
Language: English
Date: 22nd Nov 2013
Day： Friday
SMR PLAN Case Study 3
•
•
•
•
Time: 10AM-11AM
Venue: Online
Fee: FOC
Gift: Free SMR PLAN Analysis
SMRPlan.com
1

2. 3
OUTLINE
1. Introduction
2. SMR PLAN Process
3. Q & A
4. FREE GIFT
5. Conclusion
SMR PLAN Case Study 3
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”?
SMR PLAN Case Study 3
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
1
Tenure
Remaining
2
3
Original
Current
Problem
604 Bi-weeks
606 Bi-weeks
Extended
2 Bi-weeks
Total
Repayment
RM209,443.04
RM210,136.56
Additional
RM693.52
Total
Interest
RM86,592.31
RM87,285.83
Additional
RM693.52
In addition >>>
SMR PLAN Case Study 3
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
Bi-weeks
1
Bank
2
SMR50
3
Savings
Total
Payment
Interest
606
RM210,136.56
RM87,285.83
RM122,850.73
279
RM166,180.35
RM43,329.62
RM122,850.73
327
Principal
RM43,956.21
53.96%
50.36%
Good News >>>
SMR PLAN Case Study 3
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 >>>
SMR PLAN Case Study 3
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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 >>>
SMR PLAN Case Study 3
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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 3
SMRPlan.com
<<< Outline
8

9. SMR PLAN Process
In this Case Study, we will show you how SMR PLAN Process helped
Loan Borrower Cut HSBC Existing Instalment Homemaker 327 Bi-weeks
(53.96%) & MYR43,956.21 Interest.
Analysis
Application
Agreement
SMR Plan
Documents &
Information
Payment
Implementation
SMR PLAN Case Study 3
Additional
SMR Plan
SMRPlan.com
Let us share with
step by step.
9

10. ANALYSIS
Documents
1. Letter of Offer: 26th June 2004
2. Date of First Payment: 9th January 2007
3. Latest Bank Statement as at: 24th September 2013
SMR Analysis >>>
SMR PLAN Case Study 3
SMRPlan.com
10

11. SMR ANALYSIS
No
Particular
A
B
Total
Loan Amount
Original
RM141,960.00
Tenure
360 Months
C
Number of Instalments Paid
176 Bi-weeks
D
Number of Instalments Remaining (B – C)
604 Bi-weeks
E
Outstanding Balance
RM122,850.73
F
Current Base Lending Rate
6.60%
G
Interest Rate
5.10%
H
Bi-weekly Repayment
RM346.76
I
Current Loan Tenure
606 Bi-weeks
J
Number of Instalment Adjusted (I – D)
K
Total Repayment (H x I)
RM210,136.56
L
Total Interest (K – E)
RM87,285.83
SMR PLAN Case Study 3
BLR – 1.50%
SMRPlan.com
Extended
2 Bi-weeks
SMR Formulation >>>
11

12. SMR FORMULATION
Package
SMR25
SMR50
SMR75
Save
Time
Interest
Fee
Charge
25%
152
Biweeks
RM
21,821.45
1%
50%
303
Biweeks
RM
1,228.51
RM
43,642.92
1.5%
RM
1,842.76
75%
455
Biweeks
RM
65,464.37
2%
RM
2,457.02
Rental / Cash Return
RM52,707.52
RM
346.76
RM105,068.28
RM157,775.80
The applicant selected SMR50 package to cut 50% Time & 50% Interest.
<<< SMR PLAN Process
SMR PLAN Case Study 3
SMRPlan.com
12

13. APPLICATION
19th August 2013
Sign Up
SMRPlan.com
FREE Member
Acknowledge
Receipt of
Application
Submit
Application
For SMR Plan
18th August 2013
18th August 2013
<<< SMR PLAN Process
SMR PLAN Case Study 3
SMRPlan.com
13

14. AGREEMENT
Approval
Execution
19th August 2013
1st September 2013
<<< SMR PLAN Process
SMR PLAN Case Study 3
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14

15. PAYMENT
SMR
PLAN
Fee
Total
Service
Tax
2nd September 2013
<<< SMR PLAN Process
SMR PLAN Case Study 3
SMRPlan.com
15

16. DOCUMENTS AND
INFORMATION
3rd September 2013
Prepared
25th September
2013
Received
Inquiry
5th September
2013
<<< SMR PLAN Process
SMR PLAN Case Study 3
SMRPlan.com
16

17. SMR PLAN
25th September 2013
Effective
8th October 2013
SMR
SCHEDULE
SMR PLAN Case Study 3
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 3
SMRPlan.com
18

19. 1. Property Information
1. Date of Sales & Purchase Agreement: 16 May 2004
2. Property: Double Storey Terrace House
3. Housing Scheme: Under Construction Unit
4. Purchase Price: RM160,800.00
5. Down Payment: RM15,320.00
SMR PLAN Case Study 3
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19

20. 2. LENDER Information
1. Banking Institutions: Commercial Bank
2. Lender: HSBC Bank Malaysia Berhad
SMR PLAN Case Study 3
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20

21. 3. Original Mortgage Information
1. Loan Status: Existing Instalment
2. Loan Type: HSBC Homemaker
3. Date of Letter Offer: 26 June 2004
4. Date of Loan Agreement: 03 August 2004
5. Standing Instruction / Auto Debit: Yes
In-depth Analysis >>>
SMR PLAN Case Study 3
SMRPlan.com
21

22. K. Repayment :
Tier Monthly
1
RM525.00
2
RM754.00
3
RM869.00
4
RM861.00
5
Thereafter
RM847.00
Bi-Weekly
RM262.50
RM377.00
RM434.50
RM430.50
RM423.50
(By the way of fortnightly installments
each in the amount of half the monthly
installments specified for the respective
periods in the Letter of Offer (item 4(a)),
the first of such installments will be
debited to your account on or before the
1st of each month commencing in the
month of full drawdown of the facility or on
such other date as shall be fixed from time
to time by the Bank and subsequent
instalments on or before 14 days
thereafter. The total of all such fortnightly
instalments including any final adjustment
shall not exceed the tenure specified in the
Letter of Offer (item 4(a)).
N. Total
Repayment:
RM302,410.00
3. Original Mortgage
Information
SMR PLAN Case Study 3
C. Mortgage Type: Adjustable Rates Mortgage
Interest will be charged by us at the agreed
E. Compounded Interest: Daily
rate/s (item 4(a)) per annum on daily
H. Base Lending Rate: 6.00%
balance calculated on 1/2 basis for a
I. Number of Tier: 5
period or periods as stated (item 4 (a))
J. Interest Rate:
from the date of first drawdown or three
Tier 1: 12 Months 2.00% = 2.00%
(3) months after the date of the Letter of
Tier 2: 12 Months BLR - 1.00% = 5.00%
Offer whichever is earlier and payable
Tier 3: 36 Months BLR + 0.35% = 6.35%
monthly to the debit of your account or
Tier 4: 120 Months BLR + 0.25% = 6.25% any other account(s) to be opened by
Tier 5: 180 Months BLR + 0.00% = 6.00% the Bank for this purpose.
Total Principal
RM141,960.00
Repayment
F. Payment Frequency:
Bi-Weekly
Total Interest
RM160,452.00
B. Period: 360 Months (780 Bi-weeks)
D. Basis Year: 360 Days
G. Exact Day: No
L. Loan Disbursement:
First Release: Unknown
Final Release: Unknown
M. 1st Repayment Date: 9 January 2007
SMRPlan.com
A. Loan Principal
Amount: RM136,680.00
MRTA: RM5,280.00
Legal Fee: RM0.00
Valuation Fee: RM0.00
Others: RM0.00
Total: RM141,960.00
What about
Current Mortgage
Analysis? >>>
22

23. 4. Current Mortgage Information
H. Repayment:
RM346.76
K. Total
Repayment:
RM210,136.56
Repayment
E. Current BLR: 6.60%
F. Number of Tier Remaining: 1
G. Interest Rate: BLR – 1.50% = 5.10% D. Outstanding Balance: RM122,850.73
B. No. of
Installments
Paid: 176
Bi-weeks
Total Principal
RM122,850.73
J. No. of
Installments
Extended
Total Interest
RM87,285.83
B. Period: 360 Months (780 Bi-weeks)
A. As at: 24 Sep 2013
Total Repayment Paid:
RM70,574.17
Total Principal Paid:
RM19,378.19
Total Interest Paid:
RM51,195.98
SMR PLAN Case Study 3
2 Bi-weeks
C. Number of Installments Remaining: 604 Bi-weeks
I. Current Loan Tenure:
606 Bi-weeks
What’s your problem? >>>
SMRPlan.com
23

24. 5. What’s your PROBLEM?
No
Particular
1
Tenure
Remaining
2
3
Original
Current
Problem
604 Bi-weeks
606 Bi-weeks
Extended
2 Bi-weeks
Total
Repayment
RM209,443.04
RM210,136.56
Additional
RM693.52
Total
Interest
RM86,592.31
RM87,285.83
Additional
RM693.52
What are the root causes? >>>
SMR PLAN Case Study 3
SMRPlan.com
24

25. 6. What are the ROOT CAUSES
of your PROBLEM?
Fluctuation
of
BLR
Problem
Current Loan
Tenure
606 Bi-weeks
&
Total Interest
RM87,285.83
Root
Causes
Because
No Additional
SMR Schedule
Fluctuation of BLR >>>
SMR PLAN Case Study 3
SMRPlan.com
25

26. Fluctuation of BLR
6.75%
6.70%
6.60%
6.50%
6.50%
6.30%
6.30%
6.10%
6.05%
6.00%
5.95%
5.90%
5.80%
5.70%
5.55%
5.50%
2004
2005
2006
2007
2008
2009
2010
2011
2012
What should you do next? >>>
SMR PLAN Case Study 3
SMRPlan.com
26

27. SMR FORMULATION
1. SMR Target
2. SMR Methodology
SMR PLAN Case Study 3
SMRPlan.com
27

28. 1. SMR Target
Package
Save
SMR50
50%
Bi-weeks
303
Interest
RM43,643.92
How to achieve it? >>>
Repayment
Total Principal
RM122,850.73
B. No. of
Installments
Paid: 176 Biweeks
J. No. of
Installments
Extended
Total Interest
RM87,285.83
B. Period: 360 Months (780 Bi-weeks)
2 Bi-weeks
Number of Installments Remaining: 176 Bi-weeks
Current Loan Tenure: 606 Bi-weeks
SMR PLAN Case Study 3
SMRPlan.com
28

29. 2. SMR Methodology
Package
Save
Bi-weeks
Interest
SMR50
50%
303
RM43,643.92
Repayment
Total Principal
RM122,850.73
B. No. of
Installments
Paid: 176
Bi-weeks
Total Interest
Total Interest
RM43,643.91
RM87,285.83
Total Save
Principal
50% Time
RM315,526.40
&
J. No. of
Installments
50% Interest
Extended
With
SMR Schedule
>>>
B. Period: 360 Months (780 Bi-weeks)
2 Bi-weeks
Number of Installments Remaining: 176 Bi-weeks
Current Loan Tenure: 606 Bi-weeks
SMR PLAN Case Study 3
SMRPlan.com
29

30. SMR SCHEDULE
SMR PLAN Case Study 3
SMRPlan.com
30

31. SMR SCHEDULE
The different between BANK and SMR Schedule.
No
Particulars
Bi-weeks
1
Bank
2
SMR50
3
Savings
Total
Payment
Interest
606
RM210,136.56
RM87,285.83
RM122,850.73
279
RM166,180.35
RM43,329.62
RM122,850.73
327
Principal
RM43,956.21
53.96%
50.36%
A SMR Schedule for SMR Implementation with effective from 8 October 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 3
SMRPlan.com
31

32. SMR SCHEDULE
In SMR Schedule, the payments are GRADUATED EVERY BI-WEEK
to cut your HSBC Existing Installment Homemaker 327 Bi-weeks
(53.96%) & MYR43,956.21 Interest.
1
14
27
40
53
66
79
92
105
118
131
144
157
170
183
196
209
222
235
248
261
274
1,000.00
900.00
800.00
700.00
600.00
500.00
400.00
300.00
200.00
100.00
-
How to IMPLEMENT? >>>
SMR PLAN Case Study 3
SMRPlan.com
32

33. SMR IMPLEMENTATION
Effective
8th October 2013
SMR PLAN Case Study 3
SMRPlan.com
33

34. Implementation
The Applicant must promptly pay the exact bi-weekly
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 bi-weekly instalment
repayment is made by way of CASH or by CHEQUE to
Loan Account.
More >>>
SMR PLAN Case Study 3
SMRPlan.com
34

35. Implementation
The Outstanding Balance with the Lender shall not
include incidental charges such as insurance
premiums, penalty charges, late payment charges,
monthly/bi-weekly administrative charges and legal
fees.
More >>>
SMR PLAN Case Study 3
SMRPlan.com
35

36. 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 bi-weekly 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 3
SMRPlan.com
36

37. 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 3
SMRPlan.com
Q & A >>>
37

38. 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 3
SMRPlan.com
<<< Outline
38

39. 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 3
SMRPlan.com
39

40. 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!
SMR PLAN Case Study 3
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40