SMT Asset & Wealth

Get ready to make waves and
charge forward to more good times!
Happy Chinese New Year 2025 🐍
From SMT Asset & Wealth Management 🍻🧨🧨

In the New Year 2025
May your dreams come true
Your wishers be fulfilled &
Joy be with you always

SMT wish you all Merry Christmas &
Happy Holiday🥳🥳🥳

Happy Winter Solstice ( DongZi )🍡
Stay warm and healthy🙆🏻‍♀️🙆🏻🙇‍♀️
Good luck in the new coming year 🥰

为什么要看CTOS Report呢 ⁉️

👉每当客户向我询问个人贷款时我第一个问题就是向他拿（CTOS Report / E-CCRIS Report)
👉他们就很好奇，问为什么需要（CTOS Report ) 不是收入资料就足够了吗？
👉Friend，如果贷款只看你的收入资料的话，那你可以直接走进银行找个Banker就好了, 何必找我们呢？
👉你把资料直接给银行Banker,Banker只会然你两种答案，either approved or rejected
👉如果rejected的活他也不会告诉你原因
👉沒有CTOS Report，我们就很难给你建议了
👉就算你真的不給我看or 你的report很糟糕或有事想隱满我，难道你隐瞞了Bank吗？別傻了😅
👉要看CTOS Report是因为在申请贷款之前，看看你的资料是否有符合条件
👉如果你的报告有问题就很大机率会被rejected，那硬硬进去申请只会留下rejected的record，那又何必呢？
👉一旦被那家银行rejected，至少要过6个月后才能再次
提出申请哦

💡一般我们需要看CTOS这几项内容
① 有什么facilities
② facilities用了多久
② 还款记录美不美
④ 有没有欠CT0S
⑤ 有沒有Iegal case
👉如果以上这5点你都没有问题的话，在收入充足的情况之下，congratulations，你可以直接路入银行申请货款
👉如果不是，就把CTOS Report给我review一下你有什么问题，再给你专业的意见和解决方案哦. 😘

如果你也想解决掉目前债务问题的话，赶快联系我们吧 ‼️
✅ Available on Whatsapp ✅
📞 SMT wa.me/601127577271
📞 Ray wa.me/60186631620

From S.M.T. ASSET AND WEALTH MANAGEMENT
🤙👉https://www.smtasset.com/

When there is a physical problem, we all know to go to [ Doctor ]
What to do when there is a problem with your financial problem❓

Doctors provide you with professional medical experience
Help solve your problem
【Same for us❗】

Our professional consultants will guide you through the entire process,
Helping you save time and energy and customize a solution to your situation.

SMT helps Malaysian -
Get the right solution to achieve their financial goals.
✅Help you【Free Analysis】
✅Give you [professional advice]
PM us !

✅ Available on Whatsapp ✅
📞 SMT wa.me/601127577271
📞 Ray wa.me/60186631620

Jangan biarkan masalah kewangan menghalang anda untuk mengejar impian dan kebahagiaan anda....

Kami menyediakan penyelesaian kewangan yang berkesan dan selamat untuk membantu anda mengawal semula kewangan anda👍

Program Kami Adalah👇
✨Pemulihan Profil
✔️Meningkatkan Pemarkahan CTOS
✨Hutang Lapuk Bertindih
✔️Penyatuan Hutang
✨Kurangkan Komitmen
✔️Jimatkan Faedah

✅ Available on Whatsapp ✅
📞 SMT wa.me/601127577271
📞 Ray wa.me/60186631620

❗️Welcome to contact us❗
From S.M.T. ASSET AND WEALTH MANAGEMENT
👉https://www.smtasset.com/