房贷拖欠3个月？！车贷拖欠4个月？！Refinance还是Approved？！Bro,不要玩！

By: Wilson
Updated On: 26/10/2021

客户资料：

顾客背景

Mr Chee 目前37岁，已婚
行业：水族贸易的老板

Objective

想要还完债务，并拿到一笔资金周转生意

银行拒绝的原因

CTOS 记录很糟糕：
-信用卡情况：没有拖欠，8个月前，4个月没有还最低还款
-车贷情况：拖欠2个月，一年内每个月都有拖欠2至4个月
-房贷情况：拖欠3个月，一年内每个月都有拖欠2至3个月
-trade/ credit reference：拖欠DIGI 180块

没有稳定的收入：每个月的进出账不多，户口的余额也不多，也没有每年报所得税

Me Chee 初期的 CTOS Report

银行贷款批准：

客户成功得到的贷款

RM 323,630
利息： 4.3% 一年

每月供银行

RM1511
偿还期限: 408月（34年）

恭喜Mr Chee银行贷款批准

并成功套现 RM 165,781

Miss Tan 的 Letter Offer

They scammed me of my money! Can you help me as I need RM50,000 for my business?

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