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SMR PLAN Case Study 4 (Mandarin)

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SUPEX Mortgage Reduction (M) Sdn Bhd
SUPEX Mortgage Reduction (M) Sdn Bhd

SMR PLAN 斯婉芦選指縮咢佩嶝仍洪i-WISH FLEXI HOME FINANCING-i 147倖埖(50.52%)式MYR106,308.57旋連(51.28%)。

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4 窟SMR柴皿泌採逸廁型笛 嶝仍洪 i-WISH FLEXI HOME FINANCING-i 斯婉147倖埖(50.52%) 式MYR106,308.57旋連(51.28%) ? ? ? ? 試強才大冩網氏 囂冱砦侘 晩豚6th Dec 2013 佛豚採 SMR PLAN Case Study 4 ? ? ? ? 扮寂12PM-1PM 仇泣犀斛 継喘挫盞 奘瞳挫盞SMR柴皿蛍裂 SMRPlan.com 1
4 跨勣 1. 哈冱 2. SMR 柴皿狛殻 3. 諒嚥基 4. 窒継撰麗 5. 悳潤 SMR PLAN Case Study 4 SMRPlan.com 2
哈冱 艇頁倦岑祇＾ 泌惚艇短嗤 匯倖柳竃娥 筈柴皿椎 艇駅協瓜麿 繁議柳秘娥 筈柴皿唹 ￣ SMR PLAN Case Study 4 頼撹緩利大冩網氏朔 ゝゝゝ SMRPlan.com 3
柳秘娥筈柴皿 艇氏嶇騨赦塋紹燦柳秘娥筈柴皿議 諒籾。 酊 並 圻云 輝念 291倖埖 291倖埖 諒籾 1 複噫扮寂 2 悳珊錘 RM521,556.39 RM521,556.39 RM0.00 3 悳旋連 RM207,307.85 RM207,307.85 RM0.00 0倖埖 総翌ゝゝゝ SMR PLAN Case Study 4 SMRPlan.com 4
柳竃娥筈柴皿 艇匆氏嶇騨赦塋紹燦柳竃娥筈柴皿 議圭宛。 朕 並 1 咢佩 291 2 SMR50 144 3 准福 耽埖 悳 珊錘 旋連 云署 RM521,556.39 RM207,307.85 RM314,248.54 RM415,247.82 RM100,999.28 RM314,248.54 147 RM106,308.57 50.52% 51.28% 挫連ゝゝゝ SMR PLAN Case Study 4 SMRPlan.com 5
SMR柴皿 盾畳匯倖柳秘娥筈柴皿 頁匯倖柳竃娥筈柴皿 旺逸廁 弊順型笛 柳竃娥筈 議諒籾 議圭宛 窒継撰麗ゝゝゝ SMR PLAN Case Study 4 SMRPlan.com 6
窒継撰麗 挫連［阻湖仍艇廣過緩利大冩 網氏艇繍誼欺互器眉芸窒継 SMR柴皿蛍裂議窒継撰麗萩 沫函泌和 1 ? 芙住利大 2 ? 廣過窒継氏埀 3 ? 彈姥才膝宙既錘猟周 4 ? 貧勧既錘猟周 5 萩殊堋艇議窮徨喨 周嗤購沫函窒継 撰麗議化帶。 ? 窒継SMR柴皿蛍裂 戻諒ゝゝゝ SMR PLAN Case Study 4 SMRPlan.com 7
戻諒ゝゝゝ ? 泌惚艇嗤採諒籾萩 泣似＾Ask a Question￣ 戻諒旺壓利大冩網氏 佩扮昧扮蝕兵祖爺 "Start Chat"厘断氏 壓緩利大冩網氏潤崩念 指基耽匯倖諒籾。 ? 泌惚厘断音嬬緩利大冩 網氏壓指基低議諒籾 厘断繍氏宥狛窮徨喨周 指基。 ヾヾヾ跨勣 SMR PLAN Case Study 4 SMRPlan.com 8
SMR柴皿狛殻 壓緩倖宛嶄厘断繍御盆艇SMR柴皿狛殻泌採逸廁型笛斯婉芦選指縮咢佩 嶝仍洪i-WISH FLEXI HOME FINANCING-i147倖埖(50.52%)式 MYR106,308.57旋連(51.28%)。 蛍裂 賦萩 栽埃 SMR柴皿 猟周嚥彿創 原錘 峇佩 SMR PLAN Case Study 4 現紗 SMR柴皿 SMRPlan.com 斑厘断幟化議嚥艇 蛍蹇 9
蛍裂 猟周揮栖 1. 咢佩亅咏慕28 August 2012 2. 咢佩遍豚佚晩豚 1st February 2013 3. 咢佩恷仟潤汽24th October 2013 SMR蛍裂ゝゝゝ SMR PLAN Case Study 4 SMRPlan.com 10
SMR蛍裂 酊 並 A B 悳 既錘署駆 圻云 RM329,136.95 豚寂 300 倖埖 C 厮原豚方 9倖埖 D 複噫豚方B C C 291倖埖 E 既錘噫駆 RM314,248.54 F 輝念児既楕 BLR 6.60% G 旋楕 4.30% H 耽埖珊錘 RM1,792.29 I 朕念既錘豚 291倖埖 J 豚方距屁I - D K 悳珊錘H x I RM521,556.39 L 悳旋連K C E RM207,307.85 SMR PLAN Case Study 4 BLR C 2.30% 决海 SMRPlan.com 0倖埖 SMR亭協〃〃〃 11
SMR 亭協 塘耗 准福 扮寂 旋連 継喘 辺継 SMR25 25% 73 倖埖 SMR50 50% SMR75 75% 怩署、崕雹惘 RM 51,826.96 1% RM 3,142.48 146 倖埖 RM 103,653.92 1.5% RM 4,713.72 219 倖埖 RM 155,480.88 2% RM 6,284.97 RM130,837.17 RM 1,792.29 RM261,674.34 RM392,511.51 賦萩繁僉夲SMR50塘耗斯婉50ナ閏篌50ダ連。 ヾヾヾSMR柴皿狛殻 SMR PLAN Case Study 4 SMRPlan.com 12
賦萩 7th November 2013 廣過 SMRPlan.com 窒継氏埀 戻住賦萩 鳩範辺欺賦萩 SMR柴皿 7th November 2013 7th November 2013 ヾヾヾSMR柴皿狛殻 SMR PLAN Case Study 4 SMRPlan.com 13
栽埃 答彈 10th November 2013 峇佩 10th November 2013 ヾヾヾSMR柴皿狛殻 SMR PLAN Case Study 4 SMRPlan.com 14
原錘 SMR 柴 皿継喘 悳 捲暦飽 11th November 2013 ヾヾヾSMR柴皿狛殻 SMR PLAN Case Study 4 SMRPlan.com 15
猟周嚥彿創 15th November 2013 彈姥 19th November 2013 辺欺 臥儂 18th November 2013 ヾヾヾSMR柴皿狛殻 SMR PLAN Case Study 4 SMRPlan.com 16
SMR柴皿 23rd November 2013 Effective 1st November 2013 SMR 峇佩 蛍裂 SMR SMR 妙珊燕 SMR PLAN Case Study 4 SMR 亭協 SMRPlan.com 17
SMR蛍裂 1. 麗匍彿創 2. 既圭彿創 3. 圻云既錘彿創 4. 輝念既錘彿創 5. 艇嗤焚担諒籾宅 6. 艇議諒籾功云圻咀頁焚担 SMR PLAN Case Study 4 SMRPlan.com 18
1. 麗匍彿創 1. 択沢栽埃晩豚 19-Oct-2012 2. 麗匍 褒蚊電塁 3. 型塁柴皿犀敲垢汽了 4. 杭択勺鯉 RM350,000.00 5. 遍豚 RM35,000.00 SMR PLAN Case Study 4 SMRPlan.com 19
2. 既圭彿創 1. 咢佩署蛮字更塞孟客佩 2. 既圭Alliance Islamic Bank Berhad SMR PLAN Case Study 4 SMRPlan.com 20
3. 圻云既錘彿創 1. 既錘彜趨 嶝仍洪 2. 既錘窃侏 i-WISH FLEXI HOME FINANCING-i 3. 咢佩亅咏慕晩豚28 August 2012 4. 既錘栽埃晩豚 24-Dec-2012 5. 徭強廬嬖嬖薩 嗤 侮秘蛍裂ゝゝゝ SMR PLAN Case Study 4 SMRPlan.com 21
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. 圻云 既錘彿創 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 C 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.) 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 輝念既錘 彿創蛍裂 泌 採拭機機 22
4. 輝念既錘彿創 E. Current BLR: 6.60% F. Number of Tier Remaining: 1 G. Interest Rate: BLR C 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 艇嗤焚担諒籾宅拭機機 SMRPlan.com 23
5. 艇嗤焚担諒籾宅 酊 並 圻云 輝念 291倖埖 291倖埖 諒籾 1 複噫扮寂 2 悳珊錘 RM521,556.39 RM521,556.39 RM0.00 3 悳旋連 RM207,307.85 RM207,307.85 RM0.00 0倖埖 艇議諒籾功云圻咀頁焚担 SMR PLAN Case Study 4 SMRPlan.com 24
6. 艇議諒籾功云圻咀頁焚担 功云 圻咀 諒籾 短嗤 児既楕延強 厮原豚方 9 倖埖 Current Loan Tenure 291 Months & Total Interest RM207,307.85 複噫豚方 291倖埖 壼豚賦萩 SMR柴皿 SMR PLAN Case Study 4 SMRPlan.com 埆壼蝕兵 埆福連 埆岳蝕兵 埆原連。 25
SMR亭協 1. SMR朕炎 2. SMR圭隈 SMR PLAN Case Study 4 SMRPlan.com 26
1. SMR朕炎 塘耗 SMR50 准福 50% 倖埖 146 旋連 RM103, 653.93 泌採糞孱拭機機 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
2. SMR圭隈 塘耗 SMR50 准福 50% 倖埖 146 旋連 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妙珊燕 >>> B. Period: 300 Months 0 Months Number of Installments Remaining: 291 Months Current Loan Tenure: 291 Months SMR PLAN Case Study 4 SMRPlan.com 28
SMR妙珊燕 SMR PLAN Case Study 4 SMRPlan.com 29
SMR妙珊燕 咢佩才SMR妙珊燕議餓呟。 朕 並 耽埖 1 咢佩 291 2 SMR50 144 3 准福 悳 珊錘 旋連 云署 RM521,556.39 RM207,307.85 RM314,248.54 RM415,247.82 RM100,999.28 RM314,248.54 147 RM106,308.57 50.52% 51.28% 匯SMR妙珊燕喇2013定11埖1晩軟伏丼糞仏。 賦萩繁倬壓＾姥廣￣生効蕪臥才郡澄栖陣崙SMR妙珊 燕。 弓奐珊錘柴皿ゝゝゝ SMR PLAN Case Study 4 SMRPlan.com 30
SMR妙珊燕 壓緩SMR妙珊燕珊錘繍耽埖弓奐斯婉芦選指縮咢佩嶝仍洪i-WISH FLEXI HOME FINANCING-i147倖埖(50.52%)式MYR106,308.57旋連(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 - 泌採峇佩拭機機 SMR PLAN Case Study 4 SMRPlan.com 31
SMR峇佩 1st November 2013軟伏丼糞 仏 SMR PLAN Case Study 4 SMRPlan.com 32
峇佩 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. 厚謹ゝゝゝ SMR PLAN Case Study 4 SMRPlan.com 33
峇佩 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. 厚謹ゝゝゝ SMR PLAN Case Study 4 SMRPlan.com 34
峇佩 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. 泌採酌砿 ゝゝゝ SMR PLAN Case Study 4 SMRPlan.com 35
現紗SMR柴皿 旋楕延強 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, Variation of Interest Rate Central Bank 児既楕 Base Lending Rate Lender Applicant 距旋楕 Adjusted Interest Rate the Applicant is allowed to apply Additional SMR Plan. SMR PLAN Case Study 4 SMRPlan.com 詰旋楕 Lower Interest Rate 諒嚥基ゝゝゝ 36
諒嚥基 挫嶬敲芭篇覺陝 ? 泌惚艇嗤採諒籾萩 泣似＾Ask a Question￣ 戻諒旺嶬攷兵祖爺 ＾Start Chat￣厘断 嶬攣畛愆霖尋燦諒籾。 ? 泌惚厘断音嬬緩利大冩 網氏壓指基低議諒籾 厘断繍氏宥狛窮徨喨周 指基。 ヾヾヾ跨勣 SMR PLAN Case Study 4 SMRPlan.com 37
窒継撰麗 挫連［阻湖仍艇廣過緩利大冩 網氏艇繍誼欺互器眉芸窒継 SMR柴皿蛍裂議窒継撰麗萩 沫函泌和 1 ? 芙住利大 2 ? 廣過窒継氏埀 3 ? 彈姥才膝宙既錘猟周 4 ? 貧勧既錘猟周 5 萩殊堋艇議窮徨喨 周嗤購沫函窒継 撰麗議化帶。 ? 窒継SMR柴皿蛍裂 SMR PLAN Case Study 4 SMRPlan.com 38
悳潤 1. 遍枠湖仍艇紗秘緩SMR柴皿倖 宛利大冩網氏。 2. 凪肝萩勝酔賜壓曾巓坪貧勧艇 議窒継SMR柴皿蛍裂既錘猟周 倦夸...... 3. 及眉厘氏宥狛窮徨喨周効艇。 4. 及膨宸倖窒継撰麗匆蝕慧公椎 乂廣過旺辺心嶷殴利大冩網氏議 恢匍麼式処錘繁。 5. 恷朔錬李低浪散宸利大冩網氏 厘断書爺議利大冩網氏祥緩潤崩 SMR PLAN Case Study 4 SMRPlan.com 39

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