45%破产人士的原因是汽车和房屋贷款所致

近来这几年，时下的年轻人的话题大多围绕于买车，买屋，
看到边的亲朋戚友个个换新车，搬新屋，恨的自己心痒痒，
可是，事实上这些看到的到底是打肿脸皮充胖子还是真正负担得起呢?
相信各位有车有屋的人士自己心里有数吧。

从2008年来，因房贷和车贷破的人士出现大幅度增长，而且还有年轻化的趋势。
见过不少收入RM3,000以下房贷和车贷就超过薪水一半以上的人，有时真的怀疑他们到底是怎样活下去的，申请贷款因负担比例太高而被拒时，还怪银行为什么那么严格。
大哥啊，难道你月薪RM3,000，银行就该让你的每月供款上限也是RM3,000 吗?

希望大家以后换新车，买新屋时，考虑一下自己的口袋的能力，而不是别人的眼光

*破产其实很容易
根据1967年破产法令阐明，凡是没有能力偿还RM 30,000以上的欠款将被视为破产

written by Louis Eng on 20th Oct 2014

SME Loan

Are you looking for a cheapest SME Business Loan that helps in your business?
A business needs cash flow to run project or business expansion,these expenses can quickly add up and drain your available reserves or even use up your personal credit lines.

We free consult and provide clients with the solutions to modify their current business conditions.
If clients loan application has been rejected from financial institutions,we will analyze the reason for rejection and try to apply for credit again.

你是否在寻找一个最便宜的中小企业商业贷款，帮助你的业务？ 
一个企业需要流动现金来经营项目或拓展业务，这些开支迅速增加和耗尽你的可用储备金，甚至会使用到你的个人储蓄。 
我们提供免费咨询服务并为客户提供解决方案，以改变他们目前的业务状况。 
如果客户的贷款申请曾经被金融机构拒绝，我们将为客户分析拒绝的原因，并尝试再次申请贷款

                                                                                                               

Financing

Mortgage(Resident/Commercial Loan)
Mortgage Loan is used by purchasers of real property to raise money to buy the property to be purchased or by existing property owners to raise funds for any purpose.

Personal Loan
Personal Loan is an unsecured personal loan and that does not require any collateral or guarantor.Personal loan has a fixed monthly repayment schedule.

SME Loan

SME Loan is the funding of small and medium enterprises, and represents a major function of the general business finance market.

SME Government Scheme

Scheme provided by government to making small and medium enterprises easier to set up and grow a business.

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Credit Card is a payment card issued to users as a system of payment. It allows the cardholder to pay for goods and services based on the holder's promise to pay for them.

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Borrowed money that is used to purchase securities during the initial public offering exercise.