Who cannot apply ?
❌Bank - Blacklisted ACCOUNT
❌Special Attention Account
❌AKPK
❌Bankruptcy
❌Blacklisted By Money Lender In CTOS
We are confident in helping every customer secure the lowest possible interest rates and maximize their loan eligibility.
With over 5 years of experience, K.C.M ADVISORY specializes in helping customers overcome bank loan challenges.
Our team assists in restructuring your existing debts by consolidating them into a single loan account, helping to reduce your monthly repayments and ease your financial burden.
If you are government employee ?
The minimum interest rate is only about 3%, and the payment period can be extended to 10 years.
If you are government PROFESSIONAL ?
The minimum interest rate is only about 2%, and the payment period can be extended to 10 years.
If you are government MNC COMPANY EMPLOYEE ?
the minimum interest rate is only about 5%, and the payment period can be extended to 7 to 10 years.
APPLY 𝘗𝘌𝘙𝘚𝘖𝘕𝘈𝘓 𝘉𝘈𝘕𝘒 𝘓𝘖𝘈𝘕 𝘂𝗽 𝘁𝗼 𝗥𝗠4𝟬𝟬,𝟬𝟬𝟬
You may also enjoy a flexible repayment tenure of up to 10 years.
𝘍𝘰𝘳 s𝘢𝘮𝘱𝘭𝘦 :
A customer Income RM10,000 per month currently has RM70,000 in credit card debt. He is paying the 5% minimum monthly payment of RM3,500, together with an existing personal loan instalment of RM1,331 per month. As a result, his total monthly financial commitment is close to RM5,000.
After reviewing his financial situation, we assisted him in applying for a Bank Personal Loan of RM200,000. The loan is used to consolidate and settle his outstanding credit card balances and personal loans, amounting to RM120,000, with a repayment tenure of 10 years.
With this debt restructuring solution, his monthly repayment is reduced to approximately RM2,500, making his finances more manageable while improving his monthly cash flow.