08/04/2022
Why need to have a personal loan?
- getting a higher education starting in kl ,but dun wan dependant on each other i borrow the 1st personal loan for my education fund and survive live funds
after the period ,i knnowing that credit card add on the personal loan commitment become higher,starting to survey on financial details on problem that i facing,once i get enough details of loan, i confirm that i need a low interest rate loan to do a debt consolidation for my currently commitment
-people also get a low interest loan to debt all the credit card outstanding when i was working in telco.Normally credit card interest is between 15-18%,market ongoing now the lowest interest just from 4.99% for personal loan , between compare is more cheaper .After debt consolidaton we still have cash on hand can planing a budget trip for self award
Will be stress when u get a personal loan?
-i am alert on manage financial,when i knowing debt consolidation plan i was interested to know more details,getting a new low interest loan to do debt consolidation for existing commitment ,i have save the interest fee and cash flow being more smmoth.So u must survey everything knowing the details before getting a loan ,it won't increase your stress and will assist u when urgent needed
-the time i getting a personal loan,without guarantor,without mortgage, i didn't consider just apply the 1st personal loan in my life to debt 2 credit card still have extra money go for a trip.Self advise if you manage with good condition,not dependant on credit card and choosing personal loan compare , still can get freedom of money
What u know within this ?
-most of the people not understanding personal loan and debt consolidation plan as well,bank and fianancial department must continue promote through advertising ,social media ......and add it in education campaign, let more people know this benefit .The most important is local individuals should not late payment or skip payment every month
-i have consider between choosing cash advance and personal loan,,i will choosing personal loan.Except can have low interest benefits ,i still can calculate an affordable amount to pay every month
01/04/2022
FOR CREDIT CARD USER , SHOULD KNOW THESE 2 RULES OF CREDIT CARD, ONLY CAN MANAGE YOUR PROFILE WITH CREDIT CARD IN A GOOD CONDITION
1. NO OVERDUE PAYMENT
Every credit card user should be pay before due date, some of them still will forget this rule. Kindly remind the biggest problem of credit card is interest charges,overdue will be add on charge 1%
2. ALWAYS CHECK CREDIT CARD USAGE
No matter what is the main point u apply a credit card,believe that no one reason will be adding commitment.Avoid self commmitment become higher, the easier way is always check useage of credit card, get a solution to reduce commitment.👍🏻👍🏻👍🏻
Therefore,this is also a way that can avoid other people use your credit card, once discover supsicious transaction record,must contact bank and ask bank check this transaction immediately, lest to pay the money that not use by yourself.😩😩
But credit card also have own disadvantages
Example😥
If u don't know how to manage credit card,bank will charge u a high interest up to 18% when u cannot pay on due date😱😱😱
Swipe card is totally different with using cash,cash just pull until empty, once swipe card doesn't have any feeling u will think that is just a number ,swipe card is spending more faster then cash money.💸💸💸💸
Don't worry once u already commit these fault , we can help u to do debt consolidation reduce commitment up to 70%😍😍😍
- We have profesional knowledge and 20 years experience on banking line
-approved over 9700 banking loan in the pass , cotinuous increasing in future
- Blacklisted are accepted for personal loan and SME loan
-all the doc provided are strictly confidential🥰🥰🥰
👍🏻对于有一张信用卡的人，最简单的，就是熟读下列2个法则，这样就能适当地使用信用卡：
1.绝对不要让账单过期
所有办卡的人都知道账单必须准时缴钱，但还是有人忘了这“铁一般的规则”，没放在心上。别忘了，信用卡最大的问题，就是在息率上，只要欠款超过“免息率”的天数，就得开始罚钱了。
2.检查你的信用卡月结余😁😁
不论你办卡的目的和习惯为何，没有人是为了负债。要避免自己负债，最简单的方式就是时时留意信用卡的余额，想办法减少支出。
此外，这也是预防盗刷的好方法，一旦发现有可疑的消费记录出现在信用卡账单上，就应立刻联络发卡银行重新审议这项欠款，以免付了根本不是自己花的钱。😰😰😰
但是 行用卡 自然有他的坏处👎🏻
例如：
如果你不会打理信用卡，导致最后还款日到了也不能如期还款，银行会向你收取高额利息。
刷卡不像付现金那样一张一张把钞票花出去，一刷，没什么感觉，几个数字，导致盲目消费，花钱如流水。💸💸💸💸💸
可是别担心只要犯了以上的错误 我们能帮你做dept consolation 减少每个月的负担
拥有超过20年行业专业知识和经验
过去批准超过9700项贷款，并且持续增长中
为银行黑名单者提供个人贷款及商业贷款
严格保密贷款人信息及私隐😱😱😱😱
30/03/2022
[INCOME TAX SEASON]
😁😁😁Every people that earn money in Malaysia compulsory need to declare income tax ,no one can escape responsibility of declare income tax including minister. Prime minister TUN MAHATHIR have been inform on corridor press confrence,no matter former minister or current minister of greek league,once not declaring income tax LHDNM will contact them.
BENEFITS OF DECLARE INCOME TAX👍🏻👍🏻
-goverment will needed people to declare income tax is use for country administration expenses,invest on country development,create pros for people to get better enviroment,makes people can survive with salary and have capacity to declare income tax😉😉
If not declaring income tax ,malaysia hard to survive all the expenses. Income tax is important for human ,goverment and country🇲🇾🇲🇾
-Current these few year,goverment actively promote declare income tax policy and awareness movement work,review on it people who delcare income tax this part giving 100% coperation with goverment,but still cannot avoid some of them is delibarately to declare income tax,and these are the part which hidden in Black economy and illegal job ,goverment are looking for these people in serious
Leak by gouverment ,many people think that just only profit earn from business or worker with salary payout need to declare income tax,some of the business is operation in the night time like pasar malam ,restaurant,illegal entertainment didn't declare income tax
this is call illegal economy,for whom not declaring income tax or trying to skip declare income tax will be listed as illegal.This is also one of the country facing a difficult time currently.🥲🥲🥲🥲
CONSEQUENCE OF NON-DECLARE INCOME TAX
-skip declare, miss declare or less declare income
Normally, all type of salary income must be declare income tax, including rental income,commission,referral income and more ,including bussiness income,interest,discout,share ,special used expenses and other income
Many people try to declare less or totally skip declare rental income,will need to have punishment from LHDNM (income tax 1967) article 113
employee need to declare borang e or borang be
fill up income tax form :01/03/2022-30/04/2022
declare due date :30/06/2022
https://myfunplay.com.my/%E6%8A%A5%E7%A8%8E%E5%BF%85.../...
23/03/2022
Epf are all workers compulsory need to deduct from salary for retired savings,before retired is cannot withdraw from it
Except for selected status you can apply withdraw all savings but you know which condition?
KWSP/EPF is a savings in future when we retired,whole withdraw and partially withdraw are allowed apply depend on different condition
When member withdraw whole savings before 55 years old, EPF will list these member to open a AKAUN EMAS. All savings save within 55-60 years old will be save in AKAUN EMAS.
EPF member get in 60 years old, can withdraw the savings inside ＡＫＡＵＮ ＥＭＡＳ．Ｍｅｍｂｅｒ ｃａｎ ｗｉｔｈｄｒａｗ ｐａｒｔｉａｌｌｙ ｗｈｅｎ ｉｎ ｎｅｅｄ
Ｔｈｅｒｅ ｉｓ ｍａｎｙ ｂｅｎｅｆｉｔ ｗｉｔｈｉｎ ＫＷＳＰ，ｉｆ ｙｏｕ ｕｎａｂｌｅ ｔｏ ｗｏｒｋ，ｔｈｉｓ ｉｓ ａｌｓｏ ａ ｐａｒｔ ｔｏ ｇｅｔ ａ ｂｕｎｄｌｅ ｏｆ ｃａｓｈ ｉｎ ｈａｎｄ
ＥＰＦ ｎｏｔ ｊｕｓ ｏｎｌｙ ｃａｎ ｓａｖｅ ｒｅｔｉｒｅｄ ｆｕｎｄ ， ｉｔ ａｌｓｏ ｃａｎ ｕｓｅ ｔｏ ｅａｒｎ ｍｏｎｅｙ ｆｒｏｍ ｉｎｖｅｓｔ
ＥＤＵＣＡＴＩＯＮ ＦＵＮＤ
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Ｍｅｍｂｅｒ ｃａｎ ａｐｐｌｙ ｗｉｔｈｄｒａｗ ｆｏｒ ｅｄｕｃａｔｉｏｎ ｆｕｎｄ，ｐａｙ ｆｏｒ ＰＴＰＴＮ
*ＢＵＹ １ＳＴ ＰＲＯＰＥＲＴＹ
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ｊｏｉｎｔ ｎａｍｅ ｏｒ ｏｗｎ ａｒｅ ａｂｌｅ ｔｏ ａｐｐｌｙ ｗｉｔｈｄｒａｗ ａｌｓｏ
Ａｂｏｖｅ ａｒｅ ａ ｐａｒｔ ｏｆ ｉｎｆｏｒｍａｔｉｏｎ ｒｅｇａｒｄｉｎｇ ＥＰＦ，ｂｕｔ ａｔ ｔｈｅ ｓａｍｅ ｔｉｍｅ ＥＰＦ ｃａｎ ａｌｓｏ ｌｅｔ ｕｓ ｅａｒｎ ｆｅｗ ｂｅｎｅｆｉｔｓ，ｉｆ ｕ ｐｌａｎｎｉｎｇ ｔｏ ｉｎｖｅｓｔ ｂｕｔ ｓｔｉｌｌ ｄｕｎ ｈａｖｅ ｉｄｅａ ｙｏｕ ｃａｎ ｃｏｎｓｉｄｅｒｉｎｖｅｓｔ ｉｎ ＥＰＦ😁😁😁
22/03/2022
PERSONAL LOAN PROMOTION
BEST RATE OFFER 2.5% P. A
-DEBT CONSOLIDATION
-REDUCE MONTHLY REPAYMENT
-CREDIT CARD OUTSTANDING
-INVESTMENT
-CASH BACK PROPERTY
❌NO ANY UPFRONT PAYMENT
✔️EASY PROCESS ✔️HIGHER APPROVAL ✔️LOWER INTEREST RATE ✔️LOAN AMOUNT UP TO 200K - 400K ✔️0DOWN PAYMENT BUYING A HOUSE
IF YES PLEASE CONTACT ME
017-9581150 boon hao
wa.m
