Refinancing & Property Consolidation for Three Sisters

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💡By restructuring their debts and securing refinancing, this family significantly reduced their monthly commitments, allowing them to have more financial freedom.

Client Profile (Location) :

📍OUG Area

Client's Objectives:

🎯Refinance and consolidate debts to reduce financial burden

Client Background:

📖A family in OUG was struggling with high monthly commitments totaling RM13,300 due to multiple debts, including credit cards and overdrafts. They attempted to apply for refinancing but were discouraged when bankers declined their application before submission due to CTOS issues.

Challenges Faced:

⚠️High Monthly Commitment – RM13,300 per month caused financial strain.

⚠️CTOS Issues – Banks rejected their application due to negative records.

⚠️No Clear Financial Strategy – Uncertain how to manage and consolidate debts.

Our Solution:

✅ Conducted a full financial review and identified CTOS-related issues.
✅Provided CTOS issue resolution and structured a strong loan application.
✅Assisted in refinancing and consolidating all outstanding debts, including credit cards and overdrafts.
✅ Successfully submitted and secured loan approval with better repayment terms.

Results:

🏆Loan Approved & All Debts Consolidated
🏆Monthly Commitment Reduced from RM13,300 to RM3,300
🏆More Financial Flexibility for Family & 2 Kids

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