Why Refinance Home Loan? By refinancing, you pay less on monthly installment and shorter the repayment period (tenure), which means you can save BIG MONEY from the interest.
I just talked to an old friend (WoonKian.com, he is not an old man but know him since primary one) this afternoon and got a shock when he told me that he is still paying 6.75%(estimate) for his home loan. He told me that he has been paying the home loan for 8 years. My advice to him is to “Refinance” his home loan and I am very sure that his home loan has exceeded the “lock-in” period, which is normally 5 years; some cases are 3 years or 7 years, you need to refer it to your loan agreement.
Does it mean if it is still within the lock-in period, he can’t refinance his home loan? No, but he has to pay “penalty” if he refinances from other banks during the lock-in period, eg. 3% of the loan amount. If your loan amount is RM180,000, then you need to pay RM5,400++ for the penalty. Unless the other banks offer very good rate to you, or your existing interest rate are too high, otherwise most cases are “not worth” to refinance during lock-in period.
What you should ask and compare when approaching banks for refinancing?
1. The Interest Rate
2. Monthly Installment Amount
3. Repayment Period
4. Zero Moving Cost or Zero Entry Cost
5. Lock-in Period
6. Flexi Home Loan
7. MRTA
1. The Interest Rate
Some banks are offering BLR-x.xx% and some banks have fixed interest rates. BLR (Base Landing Rate) is 5.55% (as at the date I write this post) for most of the banks in Malaysia. If the bank offer you BLR-2.0%, it means your interest rate will be 3.55%. If compare to my friend WoonKian.com’s current interest rate around 6.75%(estimate), he can save 3.2% from his interest, almost half of his existing interest, which means he can save his home loan interest by 47%. Some plans are fixed rates throughout the whole tenure, and yet, you need to compare which is better offer.
2. Repayment Period
Normally banks allowed 30 years tenure or up to 65 years old, whichever is earlier. But there are exemptions in some banks also. So, just tell the bank the repayment period that you wish, so that they can calculate the monthly installment amount and total interest to be paid. My suggestion is to take maximum tenure. The reasons are less monthly commitment and if you have extra money, just dump into the home loan as advance payment, you still can save the interest.
3. Monthly Installment Amount
Some banks might confuse you with their rates because some of the rates are cheapest in first year, slightly higher in second year, third year onwards is higher, eg. 1st Year: BLR-2.5; 2nd Year: BLR-2.2%, 3rd Year and Above: BLR-1.9%. But some bank offer “flat rate” throughout the tenure, eg: BLR-2% from year one until you settle you home loan. So, which is better rate? Very hard to compare by looking at the interest rates; so, just ask the bank how much you need to pay per month and compare the “Monthly Installment Amount”, then you can know which rate is better. Eg. RM985/month vs. RM938/month for same tenure. This is very clear that RM938/month is a better offer rate.
4. Zero Moving Cost / Zero Entry Cost
In short, you don’t pay any single sen for refinancing, bank absorbed all the expenses including legal fees etc. You MUST ask for ZMC/ZEC, don’t dig your wallet to pay with your own money although the rate without ZMC is slightly better but I personally think not worth; unless you dig the money from other people’s wallet then it’s different story…
5. Lock-in Period
This is the period that you cannot refinance your home loan from other banks or else a penalty (normally 3% of your loan amount) will be imposed. In short, you are “in jail” within this period, normally is 5 years. Of course shorter term is better, it means you can refinance for better rate after lock-in period. If you like to stay in “jail” then it’s another story again.
6. Flexi Home Loan
This is very popular now. You MUST ask for FLEXI HOME LOAN because it is very flexible. How flexible? You can sit on your own head, can you imagine how flexible it is? Eg. You loan RM180K, if you have RM100K cash, you keep it in your Flexi Home Loan, the bank will only charge the interest based on RM80K, not RM180K. It means, you can save the interest of RM100K. So, if you have FD, withdraw it and dump all into your Flexi Home Loan because FD interest is around 2.0%-2.5% per year but home loan interest is around 3.55% per year, you can “earn” or “save” extra 1% from your Flexi Home Loan. Unlike the conventional home loan, the beauty of the Flexi Home Loan is that the Flexi Home Loan account acts like your saving account, you can withdraw cash from this account via ATM or cheque provided you have “available balance” in this account.
7. MRTA
In short, this is “insurance” in case you TPD (total permanent disablement) or Si Kiao Kiao (death), the insurance company will pay an amount to you (TPD) or your family (death) so that you can use it to settle your outstanding home loan. With MRTA, you don’t have to worry your house will be auctioned (Lelong) by bank when you can’t afford to pay it due to jobless or death. But take note that the amount is just an estimation, it does not tally with your outstanding amount, but it’s close to it. How much to pay for MRTA? It depends on your house value and how long is your tenure. A property of RM200K with 20 years tenure is around RM4K, I say around only, check with the bank, I just agak-agak only. In case you don’t have much cash like WoonKian.com, you can loan from bank with same home loan interest rate.
Which Bank Offers Good Home Loan Package?
You might want to know which bank is offering better home interest rates, please call few banks or make appointment to meet them with your existing loan agreement and ask for details, they are VERY HAPPY to see your handsome and pretty faces, and advise you. So, WoonKian.com, please act immediately so that you can save your home interest, you have wasted 3 years by paying extra interest to the bank for nothing! What you should do after saving such BIG MONEY, it’s simple, spend me good dinner.
Do you need to tell your existing bank that you want to refinance? Unless you want to give them a chance to revise their interest rate, otherwise the “new bank” will liaise with them, you no need to show face, your job is to shake legs at home, left leg, right leg and both legs together then follow up with new bank on the status and progress, which will take less than two weeks time.
Last but not least, my “Refinance” is referring to take home loan from other banks, not existing bank. You can ask your existing bank to reduce the home rate, you can stay with them if they can revise and offer better rate than other banks. For my case, my old bank is very stupid, I told them the interest rate that other banks offered me and I asked them whether want to revise my rate, the stupid bank revised the interest rate but still higher than the new bank who offered me lower rate. So, of course I took the loan from others.
Don’t forget, our ultimate goal is to “SAVE BIG MONEY” and shake leg at home, let the bank earns less from our bloody sweat's hard earned money!
I just talked to an old friend (WoonKian.com, he is not an old man but know him since primary one) this afternoon and got a shock when he told me that he is still paying 6.75%(estimate) for his home loan. He told me that he has been paying the home loan for 8 years. My advice to him is to “Refinance” his home loan and I am very sure that his home loan has exceeded the “lock-in” period, which is normally 5 years; some cases are 3 years or 7 years, you need to refer it to your loan agreement.
Does it mean if it is still within the lock-in period, he can’t refinance his home loan? No, but he has to pay “penalty” if he refinances from other banks during the lock-in period, eg. 3% of the loan amount. If your loan amount is RM180,000, then you need to pay RM5,400++ for the penalty. Unless the other banks offer very good rate to you, or your existing interest rate are too high, otherwise most cases are “not worth” to refinance during lock-in period.
What you should ask and compare when approaching banks for refinancing?
1. The Interest Rate
2. Monthly Installment Amount
3. Repayment Period
4. Zero Moving Cost or Zero Entry Cost
5. Lock-in Period
6. Flexi Home Loan
7. MRTA
1. The Interest Rate
Some banks are offering BLR-x.xx% and some banks have fixed interest rates. BLR (Base Landing Rate) is 5.55% (as at the date I write this post) for most of the banks in Malaysia. If the bank offer you BLR-2.0%, it means your interest rate will be 3.55%. If compare to my friend WoonKian.com’s current interest rate around 6.75%(estimate), he can save 3.2% from his interest, almost half of his existing interest, which means he can save his home loan interest by 47%. Some plans are fixed rates throughout the whole tenure, and yet, you need to compare which is better offer.
2. Repayment Period
Normally banks allowed 30 years tenure or up to 65 years old, whichever is earlier. But there are exemptions in some banks also. So, just tell the bank the repayment period that you wish, so that they can calculate the monthly installment amount and total interest to be paid. My suggestion is to take maximum tenure. The reasons are less monthly commitment and if you have extra money, just dump into the home loan as advance payment, you still can save the interest.
3. Monthly Installment Amount
Some banks might confuse you with their rates because some of the rates are cheapest in first year, slightly higher in second year, third year onwards is higher, eg. 1st Year: BLR-2.5; 2nd Year: BLR-2.2%, 3rd Year and Above: BLR-1.9%. But some bank offer “flat rate” throughout the tenure, eg: BLR-2% from year one until you settle you home loan. So, which is better rate? Very hard to compare by looking at the interest rates; so, just ask the bank how much you need to pay per month and compare the “Monthly Installment Amount”, then you can know which rate is better. Eg. RM985/month vs. RM938/month for same tenure. This is very clear that RM938/month is a better offer rate.
4. Zero Moving Cost / Zero Entry Cost
In short, you don’t pay any single sen for refinancing, bank absorbed all the expenses including legal fees etc. You MUST ask for ZMC/ZEC, don’t dig your wallet to pay with your own money although the rate without ZMC is slightly better but I personally think not worth; unless you dig the money from other people’s wallet then it’s different story…
5. Lock-in Period
This is the period that you cannot refinance your home loan from other banks or else a penalty (normally 3% of your loan amount) will be imposed. In short, you are “in jail” within this period, normally is 5 years. Of course shorter term is better, it means you can refinance for better rate after lock-in period. If you like to stay in “jail” then it’s another story again.
6. Flexi Home Loan
This is very popular now. You MUST ask for FLEXI HOME LOAN because it is very flexible. How flexible? You can sit on your own head, can you imagine how flexible it is? Eg. You loan RM180K, if you have RM100K cash, you keep it in your Flexi Home Loan, the bank will only charge the interest based on RM80K, not RM180K. It means, you can save the interest of RM100K. So, if you have FD, withdraw it and dump all into your Flexi Home Loan because FD interest is around 2.0%-2.5% per year but home loan interest is around 3.55% per year, you can “earn” or “save” extra 1% from your Flexi Home Loan. Unlike the conventional home loan, the beauty of the Flexi Home Loan is that the Flexi Home Loan account acts like your saving account, you can withdraw cash from this account via ATM or cheque provided you have “available balance” in this account.
7. MRTA
In short, this is “insurance” in case you TPD (total permanent disablement) or Si Kiao Kiao (death), the insurance company will pay an amount to you (TPD) or your family (death) so that you can use it to settle your outstanding home loan. With MRTA, you don’t have to worry your house will be auctioned (Lelong) by bank when you can’t afford to pay it due to jobless or death. But take note that the amount is just an estimation, it does not tally with your outstanding amount, but it’s close to it. How much to pay for MRTA? It depends on your house value and how long is your tenure. A property of RM200K with 20 years tenure is around RM4K, I say around only, check with the bank, I just agak-agak only. In case you don’t have much cash like WoonKian.com, you can loan from bank with same home loan interest rate.
Which Bank Offers Good Home Loan Package?
You might want to know which bank is offering better home interest rates, please call few banks or make appointment to meet them with your existing loan agreement and ask for details, they are VERY HAPPY to see your handsome and pretty faces, and advise you. So, WoonKian.com, please act immediately so that you can save your home interest, you have wasted 3 years by paying extra interest to the bank for nothing! What you should do after saving such BIG MONEY, it’s simple, spend me good dinner.
Do you need to tell your existing bank that you want to refinance? Unless you want to give them a chance to revise their interest rate, otherwise the “new bank” will liaise with them, you no need to show face, your job is to shake legs at home, left leg, right leg and both legs together then follow up with new bank on the status and progress, which will take less than two weeks time.
Last but not least, my “Refinance” is referring to take home loan from other banks, not existing bank. You can ask your existing bank to reduce the home rate, you can stay with them if they can revise and offer better rate than other banks. For my case, my old bank is very stupid, I told them the interest rate that other banks offered me and I asked them whether want to revise my rate, the stupid bank revised the interest rate but still higher than the new bank who offered me lower rate. So, of course I took the loan from others.
Don’t forget, our ultimate goal is to “SAVE BIG MONEY” and shake leg at home, let the bank earns less from our bloody sweat's hard earned money!
108 comments:
Thanks! i find this article very helpful.
-karim-
Now in an effort to battle this unique problem Home Refinance Loan have recently end up a crucial portion of todays busy lifestyles.this blog is very helpfull all home refinance bloggers.
However,we still need to take the legal documentation fees into consideration before we decide to refinance our property from other bank. If the new rates offered by other bank is just slightly lower eg. 0.1%-0.3% only and your oustanding loan amount is not much, then refinancing may incur more expenses and hassle unless the refinancier agree to offer you Free Legal Documentation(FLD) package.
If you can no longer afford to make your monthly mortgage payments, refinancing can restructure your mortgage loan to a lower interest rate or extend the term of the loan. However, along with the potential benefits of refinancing, there are also costs involved. It is advisable to shop around and compare the terms of refinance from various lenders to get the best deal.
Thanks, very informative and helpful
Hi, I have a concern which I experience, after I was paying for 7 years, I notice I paid to the loan araund RM5K only and the rest of amount taken as interest, so if I refinance, the same thing will happen again and I will be loosing more money for another 5 to 10 year.
Pls share your idea's about this situation.
Thanks.
Guna
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Phone Number:
Applied before?
State:
Monthly Income:
Country:
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EMAIL--[fidelityonlineloansfirm@gmail.com]
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NAME--------------
COUNTRY-----------
ADDRESS--------------
AMOUNT OF LOAN NEEDED-------
PURPOSE OF LOAN ------------
SCAN AND ATTACH YOUR IDENTITY CARD--
OFFICE/HOME PHONE NUMBER-----------
GENDER---------------------------
Our company mailing contact box is
via- [fidelityonlineloansfirm@gmail.com]
MORRIS ROLAND
EMAIL--[ fidelityonlineloansfirm@gmail.com]
FIDELITY ONLINE LOANS FIRM
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BORROWERS APPLICATION DETAILS
1. Name Of Applicant in Full:……..
2. Telephone Numbers:……….
3. Address and Location:…….
4. Amount in request………..
5. Repayment Period:………..
6. Purpose Of Loan………….
7. country…………………
8. phone…………………..
9. occupation………………
10.age/sex…………………
11.Monthly Income…………..
12.Email……………..
Regards.
Managements
Email Kindly Contact: urgentloan22@gmail.com
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Do you need finance to start up your own business or expand your business, Do you need funds to pay off your debt? We give out loan to interested individuals and company's who are seeking loan with good faith. Are you seriously in need of an urgent loan contact us.
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Read your blog its really informative and keep updating with newer post on housing loan interest rates
To Whom it may concern!!!
Are you a businessman / woman? Are you in any financial mess or you need
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required to fill the info :
Name—-
Amunt—-
Duration—-
Phone number—
Country—
Regards,
FROM: DAVID MIKE Loan Company
+19513561932.
davidmike756@gmail.com
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Do you need a loan We do offer loan with instant online approval, personal loan, company loan, car loan, student loan, furniture loan,etc.....we give from $2,000 to $5,000.000. our loan come with 2% interest rate and we can grant loan to any where in the world ....if you are interested contact us via email..uodcompany@gmail.com
To Whom it may concern!!!
Are you a businessman / woman? Are you in any financial mess or you need
funds to start your own business? or to pay off your bills or start a good
business? Contact us on davidmike756@gmail.com. You can also Text or Call
Our Head Office In United state of america on +19513561932.
required to fill the info :
Name—-
Amunt—-
Duration—-
Phone number—
Country—
Regards,
FROM: DAVID MIKE Loan Company
+19513561932.
davidmike756@gmail.com
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APPLICATION DETAILS
Your Full Details:
Full Name:
Loan Amount Need:
Loan Duration:
Phone Number:
Applied before?
State:
Monthly Income:
Country:
You are to send this to our Company Email;flourishloancredite@gmail.com
Good Day,
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BORROWERS APPLICANT FORM
Full Names:............
Gender:....................
Marital status:.........
Contact Address:...........
Country:........................
State:..........................
Age:...........................
Monthly Income:..............
Loan Amount:...................
Duration of Loan:............
Date Of Loan Needed:.............
Weekly Income:....................
Occupation:.........................
Purpose for Loan:.................
Phone Number:....................
Personal Phone Number:.........
Fax Number:......................
How Did You Hear About This Company?........
Mrs Joyce Myers
C.E.O... OF JOYCE MYERS LOAN COMPANY
THANKS......
DO YOU NEED AN URGENT LOAN FOR XMAS OR TO PAY UP YOUR BILLS
OR FOR FINANCIAL PURPOSES OR FOR STARTING UP A SMALL BUSINESS
IF YES CONTACT THE FOLLOWING
EMAIL: joycemyersloancompany1@gmail.com NOW
NAME.......
COUNTRY......
AMOUNT NEEDED......
PURPOSE OF LOAN.....
SEX.................
AGE................
MONTHLY INCOME......
HAVE YOU EVER APPLIED FOR A LOAN????????
So what really goes into a loan modification? How much of the price is worth paying if you’re a struggling homeowner? This guide shows you some of the costs you can expect. loan yantra
Low Interest rate and the loan we offer is strictly for honest people serious minded individuals who are God-fearing and are ready to repay the loan within the agreed time. If you are interested in getting a loan, all you need to do is contact us musaddiqloanlending@gmail.com
LOAN APPLICATION FORM
1) Full Name:
2) Gender:
3) Loan Amount Needed:.
4) Loan Duration:
5) Country:
6) Home Address:
7) Mobile Number:
8)Monthly Income:
9)Occupation:
)Which did you here about us.
Email Kindly Contact: musaddiqloanlending@gmail.com
Best Regards.
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LOAN APPLICATION INFORMATION FORM
First name......
Middle name.....
2) Gender:.........
3) Loan Amount Needed:.........
4) Loan Duration:.........
5) Country:.........
6) Home Address:.........
7) Mobile Number:.........
8) Email address..........
9) Monthly Income:.....................
10) Occupation:...........................
11)Which site did you here about us.....................
Thanks and Best Regards.
Derek Email osmanloanserves@gmail.com
DO YOU NEED FINANCIAL ASSISTANCE? Contact PCM FINANCE GROUP! for any kind of financial needs! Are you an investor, business minded, worker, student or do you need startup funds? We offer low interest rate (3%) annual, 1 to 25 years duration and easy access of loan funds within 24 to 48 hours. Minimum amount $10,000.00 to $100,000,000.00 maximum (USD, EUR, GBP). E-mail { pcmfinance.group@gmail.com }
Dear Customers,
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Great post about Home Loan, but i was searching information about Student Loan.
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Testimony of financial breakthrough from GOD through the help of Funding Circle Loan INC. (fundingloanplc@yahoo.com OR Call/Text +14067326622)...
Hi I'am Evelyn Russell resident at 808 NE 19th St Oklahoma City, I am a single mother blessed with 2 daughters. For a while now I have been searching for a genuine loan lender who could help me with a loan as I no longer have a job, all I got were hoodlums who made me trust them and at the end they took my money without giving me any loan, my hope was lost, I got confused and frustrated, it became difficult for my family to feed with a good meal, I never wanted to have anything to do with any loan lending companies on the internet again. Not until I met a Godsent loan lender that changed my life and that of my family Through the help of a fellowship member "a lender with the fear of God in him Mr JASON RAYMOND, he was the man God sent to elevate my family from suffering. At first I thought it wasn’t going to be possible due to my previous experience until I received my loan worth $135,000.00 USD in less then 24hours. So my advise to anyone out there genuinely in need of a loan is to contact Funding Circle Loan INC through this official email:- fundingloanplc@yahoo.com OR Call/Text +14067326622 and be financial lifted.
Testimony of financial breakthrough from GOD through the help of Funding Circle Loan INC. (fundingloanplc@yahoo.com OR Call/Text +14067326622)...
Hi I'am Evelyn Russell resident at 808 NE 19th St Oklahoma City, I am a single mother blessed with 2 daughters. For a while now I have been searching for a genuine loan lender who could help me with a loan as I no longer have a job, all I got were hoodlums who made me trust them and at the end they took my money without giving me any loan, my hope was lost, I got confused and frustrated, it became difficult for my family to feed with a good meal, I never wanted to have anything to do with any loan lending companies on the internet again. Not until I met a Godsent loan lender that changed my life and that of my family Through the help of a fellowship member "a lender with the fear of God in him Mr JASON RAYMOND, he was the man God sent to elevate my family from suffering. At first I thought it wasn’t going to be possible due to my previous experience until I received my loan worth $135,000.00 USD in less then 24hours. So my advise to anyone out there genuinely in need of a loan is to contact Funding Circle Loan INC through this official email:- fundingloanplc@yahoo.com OR Call/Text +14067326622 and be financial lifted.
We have direct and efficient providers of Bank Guarantee (BG’s), Insurance Guarantees,Confirmable Bank Drafts, Standby Letters of Credit (SBLC) medium term note (MTN) and Third Party Guarantees. which are specifically for sell/lease at leasing price of 4+2% /32+2% for selling price.
If you are a potential Investor or principal looking to raise capital, we will be happy to answer any questions that you have about this opportunity and to provide you with details regarding these services.
Our BG/SBLC Financing can help you get your project funded, by providing you with yearly renewable leased bank instruments. We work directly with the providers of these instruments.
DESCRIPTION OF INSTRUMENTS:
1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD).
3. Issuing Bank: Barcley's Bank , HSBC Bank London, Credit Suisse and Deutsche Bank Frankfurt.
4. Age: One Year, One Month
5. Leasing Price: 4% of Face Value plus 2% commission fees to brokers.
6. Delivery: Bank to Bank swift.
7. Payment: MT-103 or MT760
8. Hard Copy: Bonded Courier within 7 banking day.
BELOW IS OUR FCO PROCEDURE
WE will arrange for a fresh cut BG/SBLC EURO/USD $10million to 100billion in favor of your company with Euro clear access code and block code as well as the ISIN and CUSIP numbers and Common Code of the SBLC from Barclay's Bank to enable you verify it at a lease cost of 4+2% After which you will transfer Euro cost fee to validate the instrument before it is delivered by swift MT199/MT799 pre-advice and finally via MT760 and the beneficiary is expected to pay 4% lease cost via MT103 to providers funding bank after verifying and authenticating the swift MT760 from issuing bank Barclay's, hsbc, and deucthe bank etc.
Contact us for outstanding service, competence & professionalism;
For all inquires Contact:
Name: Abistar Diana
Email:dianafinance600@outlook.com,dianafinance600@gmail.com
Skype:Abistar Diana,dianafinance600@outlook.com
We have a direct genuine provider for BG/SBLC specifically for lease, at leasing price of 4+2 of face value, Issuance by HSBC London/Hong Kong or any other AA rated Bank in Europe, Middle East or USA.
Contact : Mr. Johnson Hatton
Email:johnsonhatton@gmail.com
Skype ID: johnson.hatton007
Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.
All inquires to Mr. Johnson Hatton should include the following minimum information so I can quickly address your needs:
Complete contact information:
What exactly do you need?
How long do you need it for?
Are you a principal borrower or a broker?
Contact me for more details.
Johnson Hatton
Do you need a loan at 3% to pay your bills or start up a business of your own? If yes ,contact US with this following details... GLOBAL SOLUTION FINANCE COMPANY
globalsulutionfinance89@gmail.com
(1)Full Name
(2)Loan Amount Needed
(3)Duration
(4)Country
(5)Phone numbers
Email Us: globalsulutionfinance89@gmail.com
Tell : +919205335862
Best Regards,
DO YOU NEED LOANS? AT 3% IF YES EMAIL WITH AMOUNT NEEDED. Note all reply should be copy and send to this email wenzelronaldjoseph@gmail.com wenzelronaldjoseph@gmail.com Full name .......... Amount needed: .......... Loan Duration: .......... Age: .......... Country .......... Occupation .......... Phone number.......... Wenzel Ronald Joseph
Good Day Dear Loan Seeker,
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CONTACT: kumar.hc21@outlook.com
CONTACT: hamzakumarfinance@gmail.com
call or add us on what's app +1 (646) 902-5821
**Are you financially squeezed?
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call or add us on what's app +1 (646) 902-5821
CONTACT: kumar.hc21@outlook.com
CONTACT: hamzakumarfinance@gmail.com
Regards,
Mr Abdul
WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.
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We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate at 1.00% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme. Interested applicants should Contact us via email: PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com
WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.
Please, contact us for more information: PergoCF@qualityservice.com ( PergoCF@gmail.com ) PergoCF@cheerful.com
Kindly write us back with the loan information;
- Complete Name:
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If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: PergoCF@qualityservice.com ( PergoCF@gmail.com ) PergoCF@cheerful.com
Yours Sincerely,
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We look forward to hear from you ASAP
Interested applicants should Contact us via email: PergoCF@qualityservice.com ( PergoCF@gmail.com ) PergoCF@cheerful.com
Dear Applicant,
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- Complete Name:
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If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: RMPCapitals@gmail.com ( RMPCapitals@usa.com )
We have a direct genuine provider for BG/SBLC specifically for lease, at leasing price of 4+2 of face value, Issuance by HSBC London/Hong Kong or any other AA rated Bank in Europe, Middle East or USA.
Contact : Mr. Johnson Hatton
Email:johnsonhatton@gmail.com
Skype ID: johnson.hatton007
Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.
All inquires to Mr. Johnson Hatton should include the following minimum information so I can quickly address your needs:
Complete contact information:
What exactly do you need?
How long do you need it for?
Are you a principal borrower or a broker?
Contact me for more details.
Johnson Hatton
Hello Every one,
My name is Mrs Waiter Morison I live in UK London Liverpool and i am a happy woman today? and i told my self that any lender that can rescue my family from our poor situation, i will refer any person that is looking for loan to the lender all thanks go to Mr Alexander Grant he gave me happiness to me and my family, I was in need of a loan of 300,000.00 euro to start my life all over, as i am a single mother with 2kids I met this honest and GOD fearing man loan lender that help me with a loan of300,000.00 euro, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him via email... (acgbusinesscompany@gmail.com)
Mrs Waiter Morison
That appears to be excellent however i am still not too sure that I like it. At any rate will look far more into it and decide personally!
quick online loan
Thank you for sharing such great information.
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home loan refinance.
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Private Lender Bentex Funding Group Ltd.
Greetings to you by (BFGL).
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We would be happy to fund and invest with you in any profitable project if you have any viable project we can finance by making mutual investment with you. If you are interested, kindly contact us on:avitinvestmentauthority2@gmail.com for more details.
Looking forward hearing from you soonest.
Yours truly,
Mrs Rose Larsson.
(Personal Assistant)
Bentex Funding Group Ltd(BFGL)
501 Avenue Montaigne,75008 Paris-France
Paris-France.Bentex Funding Group Ltd (BFGL)
LOAN OFFER!!!
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Greetings
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Email: drstevecapital@gmail.com
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we are a Certified Private Loan Lender, Do you need a Fast and Guarantee loan to pay your bills or start up a Business? we offer both local and international loan services to meet your financial needs such as Home loans, Auto Loans, Mortgage loans, Business Loans, International Loans, Personal Loans and general Refinancing and Debt Consolidation at affordable interest rate of 5%. Have you been turned down by your bank for loan? We own a large business money lending firm and we are on Business/Personal loan special offer Contact us today E-mail(hai_ying42@yahoo.com.sg)
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COLLINS GUZMAN FUNDINGS
We offer a variety of Financial packages at a very low interest rate, We stand apart from other lenders because we believe in customer service, We offer the right solution to your financial needs.In general we are FINANCE COMPANY, We offer loan at 2% interest rate, Commercial loans, business loans, home loans, car loans and debt consolidation loan are available for you. Contact us for more information via E-MAIL: collinsguzmanfundings@gmail.com
Names:
Occupation:
Loan Amount Needed:
Loan Duration:
Your Country:
Mobile NO:
Purpose Of Loan:
Email Address:
monthly income:
Sex:
Age:
Thanks and best regards
Mr Collins Guzman
WhatsApp or Text: +1 (786) 598-8751
Do You Need A Loan To Consolidate Your Debt At 1.0%? SuiteCapitals@gmail.com ( SuiteCapitals@post.com ) Or A Personal Loans * Business Loans etc. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com )
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Do You Need A Loan To Consolidate Your Debt At 1.0%? SuiteCapitals@gmail.com ( SuiteCapitals@post.com ) Or A Personal Loans * Business Loans etc. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com )
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We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
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FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%
FOR PURCHASE OF FRESH CUT BG/SBLC
PRICE = 32%+2%
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly. RWA ready to close leasing with any interested client in few banking days
Name : Scott james
Email : Inquiry.securedfunding@gmail.com
Skype: Inquiry.securedfunding@gmail.com
We are direct providers of Fresh Cut BG, SBLC and MTN which are specifically for lease, our bank instrument can be engage in PPP Trading, Discounting, signature project (s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects. We do not have any broker chain in our offer or get involved in chauffer driven offers.
We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.
The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of the MT760,
DESCRIPTION OF INSTRUMENTS:
1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD).
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4. Age: One Year, One Month
5. Leasing Price: 6% of Face Value plus 2% commission fees to brokers.
6. Delivery: Bank to Bank swift.
7. Payment: MT-103 or MT760
8. Hard Copy: Bonded Courier within 7 banking days.
We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me direct. wrightjames931@gmail.com
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Skype;
wrightjames931@gmail.com
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whatspp Number +918929490461
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Hello,
We Offer Swift MT760 BG/SBLC, FC MTN, Letter of Credit { LC }, MT103Etc.
N/B: Provider's Bank move first.
Let me know if you have any need for the above offers.
Thanks
Name: Jerry Osborne
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