SMR PLAN Case Study 2 (Mandarin)
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Transcript of SMR PLAN Case Study 2 (Mandarin)
SMR PLAN Case Study 2 1SMRPlan.com
2
収现SMR计划如何帮助房奴现有还款
Housing Loan (Home Plan 10 Homesave) 慧斩158个月(53.38%)
及MYR106,659.77利息(50.11%)
• 活动:网络研讨会• 语言:中文• 日期:29th Oct 2013• 星期:二
• 时间:12PM-1PM• 地点:在线• 费用:免费• 赠品:免费SMR计划分析
跳入债圈计划
SMR PLAN Case Study 2 4SMRPlan.com
您会収现下图显示一个跳入债圈计划的问题。
另外〉〉〉
项目 事项 原本 当前 问题
1 剩余时间
2 总还款
3 总利息
254 个月 296个月延长42 个月
RM453,390.00 RM528,360.00额外
RM74,970.00
RM137,863.60 RM212,833.60额外
RM74,970.00
跳出债圈计划
SMR PLAN Case Study 2 5SMRPlan.com
您也会収现下图显示一个跳出债圈计划的方案。
好消息〉〉〉
项目
事项 月总
还款 利息 本金
1 银行
2 SMR50
3 节省
296 RM528,360.00 RM212,833.60 RM315,526.40
138 RM421,700.23 RM106,173.83 RM315,526.40
158 RM106,659.77
53.38% 50.11%
免费礼物
SMR PLAN Case Study 2 7SMRPlan.com
提问〉〉〉
好消息!为了感谢您注册此网络研讨会,您将得到高达三份免费SMR计划分析的免费礼物,请索取如下:
请检阅您的电子邮件有关索取免费礼物的步骤。
1 •社交网络
2 •注册免费会员
3 •准备和扫描贷款文件
4 •上传贷款文件
5 •免费SMR计划分析
提问〉〉〉
SMR PLAN Case Study 2 8SMRPlan.com
• 如果您有仸何问题,请点击“Ask a Question”提问并在网络研讨会迚行 时 随 时 开 始 聊 天"Start Chat",我们会在此网络研讨会结束前回答每一个问题。
• 如果我们不能此网络研讨会在回答你的问题,我们将会通过电子邮件回答。
〈〈〈纲要
在此个案中,我们将告诉您SMR计划过程如何帮助房奴慧斩大众银行现有还款Housing Loan (Home Plan 10 Homesave)158个月(53.38%)及MYR106,659.77利息(50.11%).
SMR PLAN Case Study 2 9SMRPlan.com
SMR计划过程
分析 申请 合约
付款文件与资料SMR计划
执行附加
SMR计划
让我们逐步的与您分享。
分析
文件带来
1. 银行协议书:19th April 2010
2. 银行首期信日期: 12th August 2010
3. 银行最新结单:15th May 2013
SMR PLAN Case Study 2 10SMRPlan.com
SMR分析〉〉〉
SMR分析
SMR PLAN Case Study 2 11SMRPlan.comSMR拟定》》》
项目 事项 总
A原本
贷款金额
B 期间
C 已付期数
D 剩余期数(B – C)
E 贷款余额
F 当前基贷率 (BLR)
G 利率
H 每月还款
I 目前贷款期限
J 期数调整(I - D)
K 总还款(H x I)
L 总利息(K – E)
RM337,000.00
288个月
34个月
254个月
RM315,526.40
6.60%
BLR – 2.00% 4.60%
RM1,785.00
296个月
延长 42个月
RM528,360.00
RM212,833.60
SMR 拟定
SMR PLAN Case Study 2 12SMRPlan.com
〈〈〈SMR计划过程
配套 节省 时间 利息 费用 收费 租金、现金回报
SMR25 25%
SMR50 50%
SMR75 75%
74
个月
148个月
222个月
RM53,208.40
RM106,416.80
RM159,625.20
1%
1.5%
2%
RM3,155.26
RM4,732.89
RM6,310.52
RM1,785.00
RM132,090.00
RM264,180.00
RM396,270.00
申请人选择SMR50配套慧斩50%时间及50%利息。
申请
注册SMRPlan.com
免费会员
提交申请
SMR计划确认收到申请
3rd April 2013
22nd March 201325th March 2013
SMR PLAN Case Study 2 13SMRPlan.com
〈〈〈SMR计划过程
SMR计划13th May 2013
Effective12th June 2013
SMR PLAN Case Study 2 17SMRPlan.com
SMR
分析
SMR
拟定
SMR
摊还表
SMR
执行
SMR分析
1. 物业资料
2. 贷方资料
3. 原本贷款资料
4. 当前贷款资料
5. 您有什么问题吗?
6. 您的问题根本原因是什么?
SMR PLAN Case Study 2 18SMRPlan.com
1. 物业资料
1. 买卖合约日期: 未知
2. 物业: 双层排屋(街角地块)
3. 房屋计划: 现有库存单位
4. 购买价格: RM375,000.00
5. 首期: RM75,000.00
SMR PLAN Case Study 2 19SMRPlan.com
3. 原本贷款资料
1. 贷款状况: 现有还款
2. 贷款类型: Housing Loan (Home Plan 10 Homesave)
3. 银行协议书日期:19 April 2010
4. 贷款合约日前: 未知
5. 自动转帐帐户: 有
SMR PLAN Case Study 2 21SMRPlan.com
深入分析〉〉〉
3. 原本贷款资料
A. Loan Principal
Amount: RM337,000.00
MRTA: RM0.00
Legal Fee: RM0.00
Valuation Fee: RM0.00
Others: RM0.00
Total: RM337,000.00
C. Mortgage Type: Adjustable Rates Mortgage
Re
pay
me
nt
B. Period: 288 Months
D. Basis Year: 365 Days
G. Exact Day: Yes
E. Compounded Interest: Daily
F. Payment Frequency:
Monthly
H. Base Lending Rate: 5.80%
I. Number of Tier: 1
J. Interest Rate:
Tier 1: BLR – 2.00% = 3.80% (The effective date of the first
year interest rate is to commence three (3) months from the
date of letter or first drawdown, whichever is higher.)
K. Repayment :
Tier 1: RM1,785.00
(The first instalment is
to commence from one
month after the initial
release of loan.)
L. Loan Disbursement:
First Release: 12 July 2010
Final Release: 20 Aug 2010
M. 1st Repayment Date: 12 Aug 2010
N. Total
Repayment:
RM514,080.00
Total Interest
RM177,080.00
Total Principal
RM337,000.00
SMR PLAN Case Study 2 22SMRPlan.com
当前贷款资料分析如何?〉〉〉
4. 当前贷款资料
SMR PLAN Case Study 2 23SMRPlan.com
您有什么问题吗?〉〉〉
B. No. of Installments
Paid: 34 Months
C. Number of Installments Remaining: 254 Months
D. Outstanding Balance: RM 315,526.40
E. Current BLR: 6.60%
J. No. of Installments
Extended
Rep
aym
ent
Original Tenure: 288 Months 42 Months
A. As at: 15 May 2013
F. Number of Tier Remaining: 1
G. Interest Rate: BLR – 2.00% = 4.60%
H. Repayment:
RM1,785.00
I. Current Loan Tenure:
296 Months
K. Total
Repayment:
RM 528,360.00 Total Interest
RM212,833.60
Total Principal
RM315,526.40
Total Repayment Paid:
RM60,690.00
Total Principal Paid:
RM21,473.60
Total Interest Paid:
RM39,216.40
5. 您有什么问题吗?
SMR PLAN Case Study 2 24SMRPlan.com
您的问题根本原因是什么?
项目 事项 原本 当前 问题
1 剩余时间
2 总还款
3 总利息
254 个月 296个月 延长 42 个月
RM453,390.00 RM528,360.00额外
RM74,970.00
RM137,863.60 RM212,833.60额外
RM74,970.00
6. 您的问题根本原因是什么?
SMR PLAN Case Study 2 25SMRPlan.com
贷款余额增加多少? >>>
Current Loan Tenure
296 Months&
Total InterestRM212,833.60
问题
根本原因
贷款余额增加基贷率波动
其他费用增加
Because No SMR Schedule
BecauseNo
Additional SMR
Schedule
火灾保险
逾期收费
杂项收费Because No SMR Schedule
贷款余额增加多少? >>>
SMR PLAN Case Study 2 26SMRPlan.com
基贷率波动〉〉〉
No Particulars Bank Statement SMR Schedule Remarks
1 As at 15 May 2013 12 May 2013
2Outstanding Balance
RM315,526.40 RM311,274.31Increased
RM4,252.09
Outstanding
Balance
Increased
RM4,252.09
基贷率波动
SMR PLAN Case Study 2 27SMRPlan.com
接下来您应该怎么做呢?〉〉〉
Mar 2010
5.80%
May 2010 6.05%
Jul 2010 6.30%
May 2011
6.60%
1. SMR目标
SMR PLAN Case Study 2 29SMRPlan.com
B. No. of Installments
Paid: 34 Months
Number of Installments Remaining: 254 Months
J. No. of Installments
Extended
Rep
aym
ent
Original Tenure: 288 Months 42 Months
Current Loan Tenure: 296 Months
Total Interest
RM212,833.60
Total Principal
RM315,526.40
配套 节省 月 利息
SMR50 50% 148 RM106,833.80
如何实现?〉〉〉
2. SMR方法
SMR PLAN Case Study 2 30SMRPlan.com
B. No. of Installments
Paid: 34 Months
J. No. of Installments
Extended
Rep
aym
ent
Original Tenure: 288 Months 42 Months
Total Interest
RM212,833.60
Total Principal
RM315,526.40
配套 节省 月 利息
SMR50 50% 148 RM106,833.80
Total Interest
RM106,833.80
Total Principal
RM315,526.40Save
50% Time
&
50% Interest
With
SMR摊还表>>>
Number of Installments Remaining: 254 Months
Current Loan Tenure: 296 Months
SMR摊还表
一仹SMR摊还表由2013年6月12日起生效实施。
申请人须在“备注”跟迚,审查和反馈来控制SMR摊还表。
SMR PLAN Case Study 2 32SMRPlan.com
银行和SMR摊还表的差异。
递增还款计划〉〉〉
项目
事项 月总
还款 利息 本金
1 银行
2 SMR50
3 节省
296 RM528,360.00 RM212,833.60 RM315,526.40
138 RM421,700.23 RM106,173.83 RM315,526.40
158 RM106,659.77
53.38% 50.11%
SMR摊还表
在此SMR摊还表,还款将每月递增慧斩现有还款Housing Loan (Home Plan 10 Homesave)158个月(53.38%)及MYR106,659.77 利息(50.11%).
SMR PLAN Case Study 2 33SMRPlan.com
如何执行?〉〉〉
-500.00
1,000.00 1,500.00 2,000.00 2,500.00 3,000.00 3,500.00 4,000.00 4,500.00 5,000.00
1 8
15
22
29
36
43
50
57
64
71
78
85
92
99
10
6
11
3
12
0
12
7
13
4
执行
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.
SMR PLAN Case Study 2 35SMRPlan.com
更多〉〉〉
执行
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.
SMR PLAN Case Study 2 36SMRPlan.com
更多〉〉〉
执行
This SMR Plan shall automatically be terminated and null and void if
the applicant by own action prematurely terminate the SMR Plan by:
1. disposing off the Property or
2. transferring the Property to any third party or
3. refinancing the existing loan facility or
4. early redeeming the loan facility with Lender or
5. defaulting in the repayment of the monthly instalment loan facility
or
6. engaging in a situation or conduct which shall have the effect
of rendering the Lender to recall or terminate the loan facility.
SMR PLAN Case Study 2 37SMRPlan.com
如何监管? 〉〉〉
附加SMR计划
Applicant
Lender
Central Bank
基贷率Base Lending Rate
调利率Adjusted
Interest
Rate
低利率Lower
Interest
Rate
利率变动 Variation of Interest Rate (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,
the Applicant is allowed to apply Additional SMR Plan.
SMR PLAN Case Study 2 38SMRPlan.com问与答〉〉〉
问与答
SMR PLAN Case Study 2 39SMRPlan.com
好,现在是问与答。
• 如果您有仸何问题,请点击“Ask a Question”提问并现在开始聊天“Start Chat”,我们现在会回答每一个问题。
• 如果我们不能此网络研讨会在回答你的问题,我们将会通过电子邮件回答。
〈〈〈纲要
免费礼物
SMR PLAN Case Study 2 40SMRPlan.com
好消息!为了感谢您注册此网络研讨会,您将得到高达三份免费SMR计划分析的免费礼物,请索取如下:
请检阅您的电子邮件有关索取免费礼物的步骤。
1 •社交网络
2 •注册免费会员
3 •准备和扫描贷款文件
4 •上传贷款文件
5 •免费SMR计划分析