Seorang pelanggan yang ingin membeli rumah pertama untuk keluarganya telah diperkenalkan kepada kami oleh agen hartanah. Setelah menilai maklumat, dokumen, dan latar belakang pelanggan, kami mengenal pasti beberapa isu yang mungkin menghalang kelulusan pinjaman oleh bank:

1.Rekod CCRIS/CTOS yang baru
2.Baru menukar pekerjaan
3.Tiada caruman KWSP
4.Kekurangan modal pendahuluan

Namun, dengan kerjasama penuh daripada pelanggan dan nasihat profesional yang kami berikan, kami berjaya memperoleh kelulusan pinjaman rumah sebanyak RM369,000 (100%) dari bank dalam masa hanya 2 minggu. Ini membolehkan pelanggan mendapatkan rumah pertama mereka dengan bantuan agen hartanah kami.

- Saheedan -

A client approached JES Advisory via our social media, seeking assistance with mortgage loan planning and consultation as they were in the process of purchasing a new house. Following a thorough review and evaluation of the client’s information, documents, and background, we identified several potential issues that could lead to a loan rejection by banks:

1.Weak financial profile
2.Insufficient income
3.Inadequate documentation

Over the course of a few weeks, with full cooperation from the client, we meticulously addressed these concerns. Our comprehensive planning and execution efforts culminated in the successful approval of the mortgage loan for RM272,821.00, enabling the client to move forward with their home purchase.

- Hairudin -

The client, who was searching for her first home near her parents' residence, reached out to JES Advisory via our Facebook Page for assistance with mortgage loan planning and consultation. Following a thorough review of her information, documents, and background, we identified several challenges that could impact loan approval:

1.High loan amount
2.High commitment at the borderline
3.No savings for downpayment

Despite these hurdles, with a week of meticulous planning and the client's full cooperation, we successfully secured an apartment close to her parents' home. Additionally, we obtained mortgage loan approval for RM331,740 (94.78%), including legal fees.

- Chong -

Pelanggan ini berhasrat membeli rumah pertama untuk keluarganya menghubungi JES Advisory melalui iklan promosi di Facebook. Pelanggan berkongsi masalah yang dihadapinya dan meminta pendapat daripada penasihat kami. Setelah meneliti dan menilai maklumat, dokumen, dan latar belakang pelanggan, kami mendapati beberapa cabaran utama:

1.Sukar mencari kawasan perumahan yang diidamkan
2.Komitmen kewangan yang tinggi
3.Tiada modal pendahuluan untuk rumah

Namun, dengan kerjasama penuh daripada pelanggan dan nasihat profesional daripada kami, pelanggan berjaya memperoleh rumah pertamanya melalui ejen hartanah kami dan mendapatkan kelulusan pinjaman sebanyak RM322,157.00 (90%) daripada bank dalam masa hanya 2 minggu.

- Azrin -

Pelanggan yang ingin membeli rumah pertama untuk keluarganya dapat menghubungi JES Advisory melalui ejen hartanah kami. Setelah pelanggan menceritakan masalah yang dihadapinya dan meminta nasihat daripada penasihat kami, kami melakukan penilaian terhadap maklumat, dokumen, dan latar belakang pelanggan. Kami mendapati dua isu utama:

1.Kekurangan dokumentasi
2.Masalah dalam sektor pekerjaan

Namun, dengan kerjasama penuh dari pelanggan serta bimbingan profesional kami, pelanggan berjaya membeli rumah pertamanya melalui ejen hartanah kami. Beliau memperoleh kelulusan pinjaman sebanyak RM304,000.00 (90%) dan yuran peguam serta penilaian dibiayai oleh bank, semuanya dalam tempoh 1 minggu.

- Faris -

The client, who was looking to purchase her first home, reached out to JES Advisory through our Property Agent for mortgage loan planning and consultation. After reviewing and evaluating her information, documents, and background, we identified two potential issues affecting her loan approval:

1.CTOS blacklist record
2.Low basic income

With a week of meticulous planning and full cooperation from the client, we successfully secured mortgage loan approval for RM202,500.00 (90%).

- Athirah -

Pelanggan yang ingin membeli rumah pertama untuk keluarganya berhasil menghubungi JES Advisory melalui promosi iklan di Facebook. Setelah kami menilai informasi, dokumen, dan latar belakang pelanggan, kami menemukan beberapa isu utama:

1.CCRIS / CTOS yang baru
2.Komitmen yang tinggi
3.Gaji yang rendah
4.Tidak memiliki modal pendahuluan

Namun, dengan kerjasama penuh dari pelanggan dan nasihat profesional kami, pelanggan akhirnya berhasil memperoleh rumah pertamanya melalui agen properti kami. Beliau mendapatkan kelulusan pinjaman sebesar RM234,000 (98%) dari bank dalam waktu 2 minggu.

- Rokiah -

The client is currently planning to apply for a home refinancing loan to achieve a reduction in interest rates. As the client is one of our existing customers, she contacted JES for planning and consultation on the home refinancing loan. After reviewing and evaluating the client's existing information, documents, and background, we realized that the bank might refuse the loan for the following reasons:

1.High debt
2.Change of job

After a few days of planning and execution, and with the client's full cooperation, we successfully obtained loan approval for RM338,000 from the bank and reduced the interest rate by 0.45%.

- Khong -