房屋贷款利息和贷款期限减低到50%,

loanless

有兴趣把你的房屋贷款利息甚至贷款期限减低到50%,??想知道REFINANCE的好坏吗?
欲知详情,请留下你的MSN或联络号码!!

2750二号

要分享就公开分享，神神秘秘的回复感觉是打广告的劝诱。好东西不怕被人说是吹牛。

牛市

原帖由 loanless 于 21-2-2009 06:57 PM 发表
有兴趣把你的房屋贷款利息甚至贷款期限减低到50%,??想知道REFINANCE的好坏吗?
欲知详情,请留下你的MSN或联络号码!!

难道又是Supxx?

ah_hman

原帖由 牛市 于 21-2-2009 11:37 PM 发表


难道又是Supxx?

lz还是新会员哦

maomao2

过了lock in period。。。REFINANCE只有好处不是吗。。。

sleeppig123

PM我,有兴趣

[ 本帖最后由 sleeppig123 于 23-2-2009 03:57 PM 编辑 ]

sleeppig123

SUPRXX 是??

[ 本帖最后由 sleeppig123 于 23-2-2009 03:58 PM 编辑 ]

aquamax

SUPXXX的是90%.....
50%不是SUPXXX啦....

aquamax

卡帖.......

loanless

原帖由 2750二号 于 21-2-2009 10:35 PM 发表 要分享就公开分享，神神秘秘的回复感觉是打广告的劝诱。好东西不怕被人说是吹牛。

公司介绍
我们是一间新成立的公司，名为ＡＣＥＳＣＵＢＥ．我们是间提供专业商业建议服务的公司．类似的公司在澳洲国家如美国已经拥有２０多年的经验，称为ＭＯＲＴＧＡＧＥ　ＲＥＤＵＣＥ．公司的目的是在帮助客户们节省５０％的利息与供款期限．
而我们是一间结合了精算师,银行家,律师,以专业的商业意见提供大家房屋贷款服务.我们是很肯定的能帮助大家节省高达50%的利息与期限.

打个比方说:
贷款数额=RM100,000

供款期=20年
我们可以帮你
节省=>(RM100,000-RM50,000的利息)=剩RM50,000银行利息

节省=>(20年-10年)=剩10年的供期.

     如果各位有小弟能帮助大家根据各位的贷款情况,一一清楚计算出各位可以节省到的利息与供期是多少.这计算出各位可以节省到的利息与供期是免收费的!!

     由于不时三言两语就可以说明白种种的问题与方案,因此小弟才建议大家留下MSN帐号,方便小弟联络各位!!


P/S ~小弟是居住在马六甲的,所以各位谁也是居住在马六甲的更好啦,因为面对面回更容易清楚明白这项服务.
所以,谁有兴趣要节省50%房屋贷款利息与期限的可以PM我啦!

loanless

原帖由 牛市 于 21-2-2009 11:37 PM 发表 难道又是Supxx?

我们不是SUPRXX公司.SUPRXX是将贷款重新RESTRUCTURAL.而我们是一间结合了精算师,银行家,律师,以专业的商业意见提供大家房屋贷款服务.我们是很肯定的能帮助大家节省高达50%的利息与期限.

loanless

原帖由 ah_hman 于 22-2-2009 11:43 AM 发表 lz还是新会员哦

小弟平时有逛逛佳礼,只是没开户口留下脚印

loanless

原帖由 maomao2 于 22-2-2009 06:11 PM 发表 过了lock in period。。。REFINANCE只有好处不是吗。。。

REFINANCE
REFINANCE没错可以节省到一些利息与供期,因为是以另一家银行提供更低的BLR来还贷款.可是,同时间这也代表你是重新再被另一家银行吃过利息,只是被吃的利息比较低而已!!!而我们公司能做到银行不能做到的,就是帮助大家节省高达50%的利息与期限,却不需复杂的程序!!

loanless

原帖由 aquamax 于 23-2-2009 04:00 PM 发表 SUPXXX的是90%.....50%不是SUPXXX啦....

哦...SUPXXX是如何的,大哥分享下

2750二号

转贴！

http://tohff7.blogspot.com/2008_07_01_archive.html


Friday, July 18, 2008'Creative' MarketingSorry if i dissappointed you guys because i don't update so often. Ithink rule of thumbs will be checking this blog once every week =p

Today we gonna talk about 'creative' marketing. *dedicated to anyone who took marketing*

Lastweekend, i was dragged by my father to attend a business opportunitypresentation by Acescube Sdn Bhd, a 'consulting' company based in KL.My father's friend told him that the firm can help ppl to save intereston mortgage loan by as much as 50%. Sounds good?

At first, iwasn't that skeptical since it was introduced by the friend. A littlebackground of this friend of my father. He run a business which help toreduce interest on your credit card from 18% p.a (that's if you can'tsettle your monthly payment) to only 5% or 6%. How he able to do it?Through loopholes. What loopholes? Installments plan usually offered bythe likes of Sen Heng, Courts Mammoth.

How it works? They willclear your credit card balance with the bank first. Then, you will beissued an invoice by the same amount (buying TV, fridge etc..which ofcourse didn't take place) and again, swipe your credit card. Ta~Da~Interest reduced.

Back to the presentation, it was very veryvery very misleading. Some important facts was omitted, only the onethat contributes to their cause are shown and their reasoning areflawed (but most ppl don't noticed it if you didn't give a deep thought)

1. Abuse of graph presentation
2.Emphasizing the 50% interest saving you can make, repayment period willbe halved while omitting the important thing, monthly repayment amount! Common sense tell that if your repayment period is shorter, totalinterest on your loan will be lesser, isn't it? But they portrayed itas if with their methods, they can achieve 'both benefits'. And ofcourse, if they put in that the method requires higher monthlyrepayment, ppl will actually knew that any Tom, Dick and Harry can doit by themselves.

So how much they charged for their'methodology'? 1% of the total loan amount, which means a few thousanddollars. What do you get from the service? You get a schedule that askyou to pay a certain amount every month, and in the end, you will seethat u actually save 50% interest and repayment period is halved !!

Whatis really their 'methodology'? Nothing involving loopholes. It's amatter of calculation and formula to re-adjust the loan, which can beeasily be done through programs or even Excel. In short, the'methodology' does not do any shit for you.

But still, u canactually see ppl are amazed and got confidence in this 'product' aftergoing through the brainwashing presentation. It's a lucractive businessafter all. Lots of potentials customers (which not as smart asme..hoho). Who don't have loans from banks nowadays?

In the end,should also give credits to the people who figured this out becausehe's a bloody damn good marketer. This thing original form should be 1)tips and tricks to manage your loan from personal finance books and/or2) financial planning services offered by consulting firm. Herepackaged the whole thing into a 'product' and sell it through MLMstructure. His firm take 70%, sales agent 30%. What his firm do? Justcalculate the schedule and recruit mislead more sales agent to sign up.

I hope they can sleep well at night

jasonhanjk

新增！！！

Basically, their 'mortgage reduction method' is about asking you to increase your monthly payment. And of course, we know, if we pay more monthly, the loan will be repaid faster, and the total interest will be lesser too, right?

But how they do their marketing (or so called misleading)? They said through their method, you can achieve shorter period of repayment AND lower interest paid.

Compare the 1st and 2nd paragraph statement. It's the same result (shorter period, less interest) but take notice of the message that it conveys.

And what is their product? A list of schedule of monthly repayment that you need to make. And of course, the monthly payment sum will be higher.

And to add more effect, they will say that they 99.99% guarantee that the payment period and interest will reduce by 50%. Of course, that only applies IF you follow the schedule by paying more monthly.

And do their method create any added value? Absolutely NOT. It's is actually something that you can do it on your ownself !!

Hope this clarifies

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Subjective. Certainly they didn't break any banking rules etc.

BUT,i am not sure if consumers can take action against them for deceptiveand misleading conduct. (Not sure bout Malaysia law, i'm educated inAustralian law).

Paying a few thousand just for a schedule of payment is just plain stupid

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

That's why i said they didn't break any rules.

Do you know whatare the lawyer for in this scheme? The lawyer is used to 'guaranteethat your interest paid and period of repayment will reduced by 50%under their Slash Interest Methodology, with 99% accuracy, right?"

Theyput in the lawyer to make it more credible and create the wow effect.The lawyer is basically earning a fee just by stamping the documents.

Whyso? Something that is mathematically derived can achieve 100% accuracyanyway (they put 99% just to be safe). Will the lawyer have anyliability issue? Absolutely not.

The hidden side is their SIM method will only achieve the desire 50% reduction IF YOU FOLLOW THE SCHEDULE.

Ifyou didn't follow strictly as the schedule of payment they give you,you definitely can't hold them liable if the 50% reduction is notachieved.

At the end of the day, it falls back to your ownself.Which is to make higher monthly repayment. Something that you can do iton your own instead of paying several thousands just for a schedule ofpayment.

Lawyers certainly are not stupid. But not all are honest and not a greedy bas-3rd.

PropertyAgent

你很年轻吧？很有冲劲
不知道你给了多少钱加入
但我为你感到悲哀，真的...
看到你，就好像那些加入 LB 的人
除了自己的公司，什么都不相信
就算知道了真相，还是要硬撑

Cari 的网友是人，律师是人，精算师是人，首相也是人
我看不出为什么ＡＣＥＳＣＵＢＥ 的工作人员比较厉害
只知道，他的老板很厉害，厉害在催眠
如果你肯回头，我们会撑你的
因为你只是无辜的受害者
善哉善哉~

sleeppig123

原帖由 2750二号 于 23-2-2009 10:11 PM 发表 转贴！http://tohff7.blogspot.com/2008_07_01_archive.htmlFriday, July 18, 2008'Creative' MarketingSorry if i dissappointed you guys because i don't update so often. Ithink rule of ...

这位大兄是读MARKETING 还是FINANCIAL 的啊?他们提供的服务,自己可以用EXCEL算的出来?大兄可以教我如何算吗?可以PM我,你的大恩小弟感激不尽噢!!省到钱小弟请你吃佛跳墙

2750二号

原帖由 sleeppig123 于 24-2-2009 03:07 AM 发表

这位大兄是读MARKETING 还是FINANCIAL 的啊?他们提供的服务,自己可以用EXCEL算的出来?大兄可以教我如何算吗?可以PM我,你的大恩小弟感激不尽噢!!省到钱小弟请你吃佛跳墙

那个大兄老板是读心理学的，让他手下们都深信这一套，就有人乖乖的送钱。

aquamax

我记得HARIMAU大大有EXCEL FORM.....