smr plan case study 1

Discover How SMR PLAN Helped Loan BorrowerProgressive Interest Term Loan

Cut 247 Months (50.10%) & RM242,161.75 Interest (50.66%)

• Event: Webinar• Language: English• Date: 22nd Oct 2013• Day： Tuesday

• Time: 10AM-11AM

• Venue: Online

• Fee: FOC

• Gift: Free SMR PLAN Analysis

1

SMR PLAN Case Study 1 1SMRPlan.com

OUTLINE


1. Introduction

2. SMR PLAN Process

3. Q & A

4. How To Claim Your Free SMR PLAN Analysis?

5. Conclusion

1

Introduction


Do you know “If YOU do not have an OUT-OF-DEBT PLAN,

rest assured YOUare under the influence of SOMEONE else’s INTO-DEBT PLAN”? By the end of this webinar >>>

INTO-DEBT PLAN


You will discover the PROBLEM of an INTO-DEBT PLAN as illustrated below.

In addition >>>

No Particular Original Current Problem

1Tenure Remaining

2Total Repayment

3Total Interest

360 Months 493 MonthsExtended

133 Months

RM633,240.00 RM867,187.00Additional

RM233,947.00


RM233,947.00

OUT-OF-DEBT PLAN


You will also discover the SOLUTION of an OUT-OF-DEBT PLAN as illustrated below.

Good News >>>

No Particulars MonthsTotal

Payment Interest Principal

1 Bank

2 SMR50

3 Savings

493 RM867,187.00 RM478,027.00 RM389,160.00

246 RM625,025.25 RM235,865.25 RM389,160.00

247 RM242,161.75

50.10% 50.66%

SMR PLAN


Is an OUT-OF-DEBT PLAN an INTO-DEBT PLAN

which can help WORLD Loan

Borrowers To

GET OUT-OF-DEBT

SOLUTION for a PROBLEM of

FREE Gift >>>

FREE GIFT


Great News! In appreciation to those who shared Social Network, we will give up to THREE (3) FREE SMR PLAN Analysis FREE GIFTS as follows:

No Social Network FREE SMR PLAN Analysis Value

1 Twitter ONE (1) USD60

2 Facebook ONE (1) USD60

3 Google+ ONE (1) USD60

Total: USD180.00

ACT NOW and please STAY BACK with us for the next 1 hour to find out how to claim your FREE Gifts. Ask a Question >>>

Ask a Question


• Should you have anyquestion, please click“Ask a Question” toStart Chat ANYTIMEduring the webinar andwe shall answer eachquestion at the end ofthis Webinar.

• Should we are unable toanswer your question(s)in this Webinar, we willanswer it via Email. <<< Outline

Analysis Application Agreement

PaymentDocuments & Information

SMR Plan

ImplementationAdditional

SMR Plan

In this Case Study, we will show you how SMR PLAN Process helped

Loan Borrower Cut CIMB Bank Progressive Interest Term Loan 247

Months (50.10%) & MYR242,161.75 Interest (50.66%).


SMR PLAN Process

Let us share with

step by step.

ANALYSIS

SMR PLAN Seminar

1. Date: 3rd April 2013

2. Day: Wednesday

3. Time: 2PM-5PM

4. Language: English

5. Session: SPS-MY-EN-1

6. Venue: SUPEX Training Centre Kuala Lumpur

Documents Brought

1. Letter of Offer: 30th July 2009

2. Date of First Payment: No

3. Latest Bank Statement as at: 17th March 2013


SMR Analysis >>>

SMR ANALYSIS

No Particular Total

AOriginal

Loan Amount

B Tenure

C Number of Instalments Paid

D Number of Instalments Remaining (B – C)

E Outstanding Balance

F Current Base Lending Rate

G Interest Rate

H Monthly Repayment

I Current Loan Tenure

J Number of Instalment Adjusted (I – D)

K Total Repayment (H x I)

L Total Interest (K – E)

RM389,160.00

360 Months

0 Months

360 Months

RM389,160.00

6.60%

BLR – 2.00% 4.60%

RM1,759.00

493 Months

Extended 133 Months

RM867,187.00

RM478,027.00

SMR PLAN Case Study 1 11SMRPlan.comSMR Formulation >>>

SMR FORMULATION

Package Save Time Interest Fee Charge Rental / Cash Return

SMR25 25%

SMR50 50%

SMR75 75%

124Months

247Months

370Months

RM119,506.75

RM239,013.50

RM358,520.25

1%

1.5%

2%

RM3,691.60

RM5,837.40

RM7,783.20

RM1,759.00

RM218,116.00

RM434,473.00

RM650,083.00

The applicant selected SMR50 package to cut 50% Time & 50% Interest.


<<< SMR PLAN Process

APPLICATION

Sign Up SMRPlan.com FREE Member

Submit Application

For SMR Plan

Acknowledge Receipt of

Application

29th March 2013

10th April 201311th April 2013



AGREEMENT

Approval Execution

12th April 2013 12th April 2013



PAYMENT

12th April 2013

SMR PLAN Fee

Service Tax

Total



DOCUMENTS ANDINFORMATION

Prepare

Inquiry

Received

Commence Early Installment

Letter

18th April 2013

18th April 2013

25th April 2013

29th April 2013



SMR PLAN

SMR

ANALYSIS

SMR FORMULATION

SMR

SCHEDULE

SMR IMPLEMENTATION

13th May 2013

Effective1st June 2013


SMR ANALYSIS

1. PROPERTY Information

2. LENDER Information

3. ORIGINAL Mortgage Information

4. CURRENT Mortgage Information

5. What’s your PROBLEM?

6. What are the ROOT CAUSES of your PROBLEM?


1. Property Information

1. Date of Sales & Purchase Agreement: 06 July 2009

2. Property: Service Apartment

3. Housing Scheme: Under Construction Unit

4. Purchase Price: RM432,400.00

5. Down Payment: RM43,240.00


2. LENDER Information

1. Banking Institutions: Commercial Bank

2. Lender: CIMB Bank Berhad


3. Original Mortgage Information

1. Loan Status: Progressive Interest

2. Loan Type: Term Loan

3. Date of Letter Offer: 30 July 2009

4. Date of Loan Agreement: 17 August 2009

5. Standing Instruction / Auto Debit: N/A


In-depth Analysis >>>

3. Original Mortgage Information

A. Loan Principal

Amount: RM389,160.00

MRTA: RM0.00

Legal Fee: RM0.00

Valuation Fee: RM0.00

Others: RM0.00

Total: RM389,160.00

C. Mortgage Type: Adjustable Rates Mortgage

Re

pay

me

nt

B. Period: 360 Months

D. Basis Year: 365 Days

G. Exact Day: Yes

E. Compounded Interest: Daily

F. Payment Frequency:

Monthly

H. Base Lending Rate: 5.55%

I. Number of Tier: 1

J. Interest Rate:

Tier 1: BLR – 2.00% = 3.55%

K. Repayment :

Tier 1: RM1,759.00

(The first instalment

shall commence one (1)

month after the full

disbursement of the

Term Loan or such other

time which the Bank

may specify from time to

time at its sole and

absolute discretion.)

L. Loan Disbursement:

First Release: 26 August 2009

Final Release: 20 September 2012

Total Disbursement: RM378,350.00

Pending Disbursement: RM10,810.00

M. 1st Repayment Date: Not yet commence

N. Total

Repayment:

RM633,240.00

Total Interest

RM244,080.00

Total Principal

RM389,160.00


What about Current Mortgage Analysis? >>>

4. Current Mortgage Information

B. No. of Installments

Paid: 0 Months

C. Number of Installments Remaining: 360 Months

D. Outstanding Balance: RM389,160.00

E. Current BLR: 6.60%

J. No. of Installments

Extended

Rep

aym

ent

Original Tenure: 360 Months 133 Months

A. As at: 17 March 2013

F. Number of Tier Remaining: 1

G. Interest Rate: BLR – 2.00% = 4.60%

H. Repayment:

RM1,759.00

I. Current Loan Tenure:

493 Months

K. Total

Repayment:

RM867,187.00 Total Interest

RM478,027.00

Total Principal

RM389,160.00

Progressive Interest


What’s your problem? >>>

5. What’s your PROBLEM?

No Particular Original Current Problem

1Tenure Remaining

2Total Repayment

3Total Interest

360 Months 493 MonthsExtended

133 Months


RM233,947.00


RM233,947.00


What are the root causes? >>>

6. What are the ROOT CAUSES of your PROBLEM?

Current Loan Tenure

493 Months&

Total InterestRM478,027.00

Problem

Root

Causes

Pending

Disbursement

RM10,810.00

Fluctuation of BLR

Which has affected 1st

Repayment Date not yet commence

No Personalized Amortization

Schedule given by the Lender for

Control

Mar 2009 5.55%

Mar 2010 5.80%

May 2010

6.05%

Jul 2010 6.30%

May 2011

6.60%


What should you do next? >>>

SMR FORMULATION

1. SMR Target

2. SMR Methodology


1. SMR Target


Paid: 0 Months

Number of Installments Remaining: 360 Months


Extended

Rep

aym

ent


Current Loan Tenure: 493 Months

Total Interest

RM478,027.00

Total Principal

RM389,160.00

Package Save Months Interest

SMR50 50% 247 RM239,013.50


How to achieve? >>>

2. SMR Methodology


Paid: 0 Months


Extended

Rep

aym

ent


Total Interest

RM478,027.00

Total Principal

RM315,526.40

Total Interest

RM239,013.50

Total Principal

RM389,160.00Save

50% Time

&

50% Interest

With

SMR Schedule

>>>

Number of Installments Remaining: 360 Months

Current Loan Tenure: 493 Months

Package Save Months Interest

SMR50 50% 247 RM239,013.50


SMR SCHEDULE


SMR SCHEDULE

No Particulars MonthsTotal

Payment Interest Principal

1 Bank

2 SMR50

3 Savings

A SMR Schedule for SMR Implementation with effective from 1 June 2013.

493 RM867,187.00 RM478,027.00 RM389,160.00

246 RM625,025.25 RM235,865.25 RM389,160.00

247 RM242,161.75

50.10% 50.66%

The Applicant is required to CONTROL the SMR Schedule by follow

up, review and feedback at the “Remarks” column.


The different between BANK and SMR Schedule.

Graduated Payment Scheme >>>

SMR SCHEDULE

In SMR Schedule, the payments are GRADUATED EVERY MONTH

to cut your Progressive Interest Term Loan 247 Months (50.10%) &

RM242,161.75 Interest (50.66%).

-

500.00

1,000.00

1,500.00

2,000.00

2,500.00

3,000.00

3,500.00

4,000.00

4,500.00 1

14

27

40

53

66

79

92

10

5

11

8

13

1

14

4

15

7

17

0

18

3

19

6

20

9

22

2

23

5


How to IMPLEMENT? >>>

SMR IMPLEMENTATION


Implementation

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.


More >>>

Implementation

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.


More >>>

Implementation

This SMR Plan shall automatically be terminated and null and void if

the applicant by own action prematurely terminate the SMR Plan by:

1. disposing off the Property or

2. transferring the Property to any third party or

3. refinancing the existing loan facility or

4. early redeeming the loan facility with Lender or

5. defaulting in the repayment of the monthly instalment loan facility

or

6. engaging in a situation or conduct which shall have the effect

of rendering the Lender to recall or terminate the loan facility.


How to MONITOR? >>>

Additional SMR Plan

Applicant

Lender

Central Bank

Base

Lending

Rate

Adjusted

Interest

Rate

Lower

Interest

Rate

Variation of Interest Rate (VIR)

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,

the Applicant is allowed to apply Additional SMR Plan.

SMR PLAN Case Study 1 36SMRPlan.comQ & A >>>

Q & A


Ok, now is the Q & A.

• Should you have anyquestions, please click“Ask a Question” toStart Chat NOW and weare going to answereach question NOW.

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<<< Outline

How To CLAIM FREE SMR PLAN Analysis?


1 • Social Network

2 • Sign Up FREE Member

3 • Prepare & SCAN Loan Documents

4 • Upload Loan Documents

5 • FREE SMR PLAN Analysis

Social Network


Step 1, please click Twitter, Facebook and Google+ at share this Webinar at your Social Network. You are entitled to a to maximum THREE (3) FREE SMR PLAN Analysis for this Webinar.

No Social Network FREE SMR PLAN Analysis Value

1 Twitter ONE (1) USD60

2 Facebook ONE (1) USD60

3 Google+ ONE (1) USD60

Total: USD180.00If you have NOT shared it, please ACT NOW!

Step 2 >>>

Sign Up FREE Member


Step 2, please Sign Up FREE Member at www.SMRPlan.com (ONLY for those who have NOT signed up).

Please be informed that you are required to enter your Social Network Information.

Step 3 >>>

http://www.smrplan.com/

Prepare & SCAN Loan Documents


Step 3, please PREPARE & SCAN Loan Documents as below.

Step 4 >>>

NEW Home Loan

1. Letter of Offer

EXISTING Home Loan

1. Letter of Offer

2. Date of First Instalment Letter

3. Latest Bank Statement

Upload Loan Documents


Step 4, please UPLOAD your Loan Documents to our Helpdesk.

Continue Step 4 >>>

Upload Loan Documents


Step 5 >>>

Step 4, please UPLOAD your Loan Documents to our Helpdesk.

FREE SMR PLAN Analysis


Conclusion >>>

Step 5, we will assign a SMR PLAN Consultant to contact you either via SMS, Phone, Email, Helpdesk, Hangout, Skype, Appointment, or Seminar etc.

FREE SMR PLAN Analysis

Conclusion


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2. Secondly, please upload your FREESMR PLAN Analysis LoanDocuments ASAP or latest within 2Weeks, failing which…

3. Thirdly, I will FOLLOW UP you viaemail.

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5. Lastly, hope you enjoy this Webinarand I will END this Webinar NOW!

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