Joshua Law Financial consultant - BSSMC Group

TO ANSWER YOUR QUESTION “I have SAA, can I apply for bank loan?” 😥
YES YOU CAN❗ SUCCESSFULLY APPROVED RM 580,000+❗
Personal Loan 💰+ House Loan 🏠 + Car Loan 🚘

Here to share a successful case:

Mr. Teoh has became jobless due to the 😭. Bringing him into bad debts and unable to pay for the installment for his loans😱. At last, he has fallen into the section of SAA ( blacklisted by the bank). 😵

Over a few years he have found a new job and getting paid with higher salary. However, because of SAA showing on his and Ctos. 😭😭

He could not apply anything from any banks. 😓
Fortunately Mr. Teoh have saw our Facebook advertisement and decided to give it a try. 🫣
At first, he does not have the confidence to believe our company BSSMC Group can help him with his case. 😕

After consulting with us, we have understand the situation Mr. Teoh is in 😎. and have found out that he wants to buy his dream house and dream car. 🏡🚘

Just only 2 months, we have successfully clear all the bad record from his and Ccris 🥳. Moreover, helped him approve Personal Loan + House Loan + Car loan.
With a total of RM 580,000 + ❗❗

BSSMC GROUP 🥇
✅ A team of Ex-Bankers and lawyers with over 1️⃣4️⃣ years of experience in bank loans
✅ Serving over 2️⃣5️⃣0️⃣0️⃣ clients annually
✅ Approving loans up to RM 8️⃣0️⃣ million per year
✅ Success approval rate of over 9️⃣0️⃣%
✅ Proficient in the requirements and loan processes of all 2️⃣1️⃣ banks in Malaysia
✅ Free consultation
❌ No upfront fees charged

⚠️Question is "How do we approved loan with SAA?" ⚠️

press the link below to find out how (contact me) ❗

Joshua16: https://JoshuaLawBSSMCGroup.wasap.my

Joshua16: https://JoshuaLawBSSMCGroup.wasap.my

Joshua16: https://JoshuaLawBSSMCGroup.wasap.my

⚠️ We only take 10 customers per month on SAA issue, so better be fast ⚠️

“ I got AKPK, it is impossible to apply for a bank loan.” NOT TRUE !
AKPK client successfully approved Personal Loan RM 348,000 💰 + Car Loan RM 77,000 🚘❗❗❗

Here share this success case:

Ms. Ang was a successful business woman, everything was going smoothly for her business until the hits. 😱

All of a sudden, her business is going down fall, not just her business but we believe that because of , a lot of businesses are having a struggle as well. 📉📉📉

Without a choice, she had to close down her business to minimize the loss and continue earning money from working. 😓

So what happened to the debts before? She have no choice but to join to lower down her commitment as, working salary is not able to cover all the debts. 💸😰

After working awhile, she has become more stable and adapted to her debts and wants to apply for a loan from the bank to start up her business again. 🤩

UNFORTUNATELY, Because of AKPK, she is not able to apply for any loan from the bank, unless the installment is fully paid off for 🔟years. 😨😨

Thinking about 🔟 years makes her shiver, does she have to wait for 🔟 whole years to apply from the bank again to start her business? How old would she be after 🔟 years? Does she want to miss the opportunity now to earn more money? 😭😭

That's when she saw our Facebook advertisement on helping customers apply for a loan EVEN THOUGH they have AKPK with them. She decided to give it a try on BSSMC Group. 🤓

With a clear understanding on Ms. Ang situation, we understand that she wants to start up her own business again and wants to buy a car for herself. 💰🚘🤔

After proposing our plan, she is confident and lets us proceed with her case. within 2️⃣ months. 😎

AT LAST, we have SUCCESSFULLY APPROVED Personal Loan RM 348,000 + Car Loan RM 77,000 for her to start her business and buy a car ❗❗ 🥳🥳

BSSMC GROUP 🥇
✅ A team of Ex-Bankers and lawyers with over 1️⃣4️⃣ years of experience in bank loans
✅ Serving over 2️⃣5️⃣0️⃣0️⃣ clients annually
✅ Approving loans up to RM 8️⃣0️⃣ million per year
✅ Success approval rate of over 9️⃣0️⃣%
✅ Proficient in the requirements and loan processes of all 2️⃣1️⃣ banks in Malaysia
✅ Free consultation
❌ No upfront fees charged

⚠️Question is "How do we approved loan with SAA?" ⚠️

press the link below to find out how (contact me) ❗

Joshua17: https://JoshuaLawBSSMCGroup.wasap.my

Joshua17: https://JoshuaLawBSSMCGroup.wasap.my

Joshua17: https://JoshuaLawBSSMCGroup.wasap.my

⚠️ We only take 10 customers per month on SAA issue, so better be fast ⚠️

Credit cards 💳 are very convenient, but you have to use them responsibly and wisely‼️ You need to become the master 👸🏻🫅🏻 of your credit cards, ❌ not a slave to them‼️

The 5️⃣ main benefits of credit cards:
1️⃣ Improve credit score
To get a personal loan in Malaysia 🇲🇾 , 8️⃣0️⃣ % of banks require you to hold a credit card for at least 1️⃣ year. By paying your credit card 💳 bills on time every month, it improves your credit score and increases your chances of getting approved for a loan 🏦 to buy a car 🚗 or a house 🏠 .

2️⃣ Very convenient
With a credit card, you can leave home without carrying too much cash. You can even use it for traveling abroad ✈️, shopping online 🖥, pay for your bills, utilities, etc

3️⃣ Rewards points
Every time you use your credit card, you can accumulate rewards points, which can be redeemed for products, vouchers, lucky draws 🎁, plane tickets ✈️, etc.

4️⃣ Promotions and discounts
Banks 🏦 collaborate with certain merchants 🤝 to offer special promotions, such as discounts, cashback 💰, vouchers 🎫, etc. Eg: you can get a voucher when you dine in at certain restaurants 🍽 or get cashback at certain petrol stations 🚗, etc.

5️⃣ Flexibility in managing your funds
With a credit card 💳, you can spend first and pay later, because credit card has a grace period, which allows you to be more flexible with your funds 💵.

So credit cards are really convenient and can bring you many benefits. In Malaysia, 5️⃣3️⃣% of consumers prefer to use credit cards for payment because they are accustomed to this convenient way of life.
Although credit cards have many benefits, you must use them wisely.

Do not ❌ overspend or blindly spend on unnecessary expenses just to accumulate rewards points or enjoy discounts.

❌ Never just pay the credit card minimum payment every month, as this will lead to credit card debt. Once you fall into this trap, it will be difficult to get out because the bank charges compound interest, which is the interest that is charged not only on the initial amount spent but also on the accumulated interest. Interest will accumulate over time and become increasingly difficult to pay off❗️
If you are currently facing high credit card outstanding and only paying the minimum payment, don't worry❗️

BSSMC GROUP 🥇
✅ A team of Ex-Bankers and lawyers with over 1️⃣4️⃣ years of experience in bank loans
✅ Serving over 2️⃣5️⃣0️⃣0️⃣ clients annually
✅ Approving loans up to RM 8️⃣0️⃣ million per year
✅ Success approval rate of over 9️⃣0️⃣%
✅ Proficient in the requirements and loan processes of all 2️⃣1️⃣ banks in Malaysia
✅ Free consultation
❌ No upfront fees charged

We can help you to reduce your credit card debt repayment by up to 8️⃣3️⃣%.
⚠️ Don't hesitate, contact me now by clicking "Send Message"

Why is it so difficult for me to get a personal loan of RM80,000, while it is easier to get loans for cars and houses with higher amounts⁉️ And why is the interest rate for personal loans so much higher than for houses and cars⁉️

That's because one is a Secured Loan with collateral, while the other is an Unsecured Loan without collateral.

A secured loan is a type of loan that is backed by collateral, such as a house 🏠 , car 🚙, or other valuable asset. The collateral acts as a form of security for the lender, who can take possession of the collateral if the borrower fails to repay the loan.
Because the lender has the security of the collateral, secured loans generally have lower interest rates and longer repayment terms than unsecured loans.

In contrast, an unsecured loan is a loan that is not backed by any collateral. Eg: credit cards 💳, personal loans 🪪, business loans 🏢, etc. They are usually granted based on the borrower's creditworthiness, income, and other factors that indicate their ability to repay the loan.

Because the lender has no security for the loan, unsecured loans generally have higher interest rates and shorter repayment terms than secured loans.
If you are unable to borrow a personal loan from a bank or cannot get the amount you want, don't worry❗️

BSSMC GROUP 🥇
✅ A team of Ex-Bankers and lawyers with over 1️⃣4️⃣ years of experience in bank loans
✅ Serving over 2️⃣5️⃣0️⃣0️⃣ clients annually
✅ Approving loans up to RM 8️⃣0️⃣ million per year
✅ Success approval rate of over 9️⃣0️⃣%
✅ Proficient in the requirements and loan processes of all 2️⃣1️⃣ banks in Malaysia

We have a series of successful cases that we are ready to show you.
Don’t wait any longer❗️
⚠️ Schedule a consultation with us, by clicking "Send Message"

Bank debt consolidation is not the same as ❌AKPK ‼️
Many people mistakenly believe that AKPK and bank debt consolidation are the same❗️

But actually, they are not the same🙅🏻‍♀️❗️
AKPK is a government agency🏢, while debt consolidation is a service provided by banks🏦, so they are different🙅🏻‍♀️!
If you enter AKPK, you will be blacklisted📇 by the banks, and you will not be able to borrow any loans from them until you have fully repaid your debts🚫. You won't even be able to apply for credit cards💳❗️ However, if you apply for bank debt consolidation, you won't have this problem. You can choose to apply for bank loans✅ or credit cards✅ whenever you want❗️

Furthermore, the interest rate offered by AKPK is not necessarily cheaper than banks. AKPK charges an interest rate of 6% - 9%, with a repayment period of 9️⃣ years. On the other hand, banks charge an interest rate of 2.5% - 11%, with a repayment period of 5️⃣ - 🔟 years.

Therefore, if you have any financial problems, seek advice from professional and experienced consultants to solve them.
Don't apply for AKPK indiscriminately❗️

BSSMC GROUP 🥇
✅ A team of Ex-Bankers and lawyers with over 1️⃣4️⃣ years of experience in bank loans
✅ Serving over 2️⃣5️⃣0️⃣0️⃣ clients annually
✅ Approving loans up to RM 8️⃣0️⃣ million per year
✅ Success approval rate of over 9️⃣0️⃣%
✅ Proficient in the requirements and loan processes of all 2️⃣1️⃣ banks in Malaysia

We have a series of successful cases that we are ready to show you.
Don’t wait any longer❗️

⚠️ Schedule a consultation with us, by clicking "Send Message" 【Consult Now】‼️

Why some individuals can easily obtain a bank loan while others cannot⁉️

There are many factors that contribute to it, but there is one important factor. Which is whether the individual fits the target customer profile of the specific bank they are applying to.
Different banks tend to prefer different types of customers, with

some prioritizing 😍:
1️⃣ Professionals with licenses/professional certifications
Eg: specialist doctors👨🏻‍⚕️, technicians with MBOT certification🧑🏻‍🔧 , engineers with BEM certification👷🏻, accountants with ACCA certification, etc
2️⃣ Government employees/individuals working in government-linked companies
Eg: government school teachers 👩🏼‍🏫, work in TM Malaysia 👷🏻, work in Syabas Malaysia👨🏼‍🔧, etc
3️⃣ Employees working in multinational/public listed companies
Eg: banker 🧑🏼‍💻, work in Genting🤵🏻‍♀️
4️⃣ Working adults with a base income of more than RM 15,000🤵🏻‍♀️
5️⃣ Working adults with a base income of more than RM 5,000👩🏼‍💼
6️⃣ Business owners👨🏼‍💼

However, even if you does not fit the preferred customer profile of a bank. Don’t Worry❗️

There are still other factors that banks consider when assessing creditworthiness and risk of borrowers. It's essential to understand a bank's specific requirements and criteria, as meeting these factors increases the likelihood of loan approval.

Unsure whether you meet a bank's criteria for a loan❓
⚠️ Click the "Send Message" 【Consult Now】‼️

In just 3️⃣ years, BSSMC GROUP has grown from a team of 5️⃣ to 6️⃣0️⃣ people. Our team composed of ex-bankers and lawyers with over 1️⃣4️⃣ years of experience in the banking industry.

📌 Our mission is to help our clients increase their chances of successfully obtaining a loan and to assist them in getting the highest loan amount and best terms possible.

We currently serve over 2️⃣5️⃣0️⃣0️⃣ clients annually, with a total loan amount approved up to RM8️⃣0️⃣million. The average success rate of approved loans is over 9️⃣0️⃣%. Our team has developed a deep understanding of the requirements and loan criteria of all 2️⃣1️⃣ banks in Malaysia, which is key to our success in securing loans for our clients.

At BSSMC GROUP, we believe in providing personalized and professional service to our clients. Our team of ex-bankers and lawyers is committed to helping our clients achieve their financial goals and ensure their success in obtaining the loan they need💪🏻.

We are proud of our growth and success, and we look forward to continuing to serve our clients and help them achieve their financial dreams.

If you're currently facing any financial difficulties, Don’t Worry❗️
We're here to help you review your profile and provide guidance.
Our consultation services are free of charge.
⚠️ To schedule a consultation with us, please click "Send Message"

GROUP
We specialize in assisting clients who have financial report problems but still want to apply for bank loans❗️

Our services include:
✅ Helping clients to be released from AKPK early
👉🏻 so they do not need to wait until AKPK is fully settled to apply for bank loans

✅ Clearing blacklist records
👉🏻 which can be done in as little as one month

✅ Reducing monthly commitments by up to 8️⃣3️⃣%

✅ Clearing records of payments that have been delayed or missed for over one month
✅ Solving the problem of repeated loan rejections by banks
👉🏻 analyzing the reasons for rejection and helping clients to address them

✅ Loan compression, which can help clients obtain the desired or highest loan amount.
👉🏻 For example, if a client is only eligible to borrow RM 5️⃣0️⃣k from the bank, we can help them get RM 2️⃣0️⃣0️⃣k or more.

If you're currently facing any financial difficulties, Don’t Worry❗️
We're here to help you review your profile and provide guidance.

Our consultation services are free of charge.
⚠️ To schedule a consultation with us, please click "Send Message"