SNS Mortgage Advisory

Loan Expertists - Achieving Your Dream Home

Services We Offer:
🏡 Home Purchase Loans - Making it easy to own your desired residence
🏠 Home Refinancing - Maximizing the value of your property
🏦 Commercial Loans - Supporting your business growth
💼 Professional Consultation - Customizing the best loan solutions

Why Choose SNS Mortgage Advisory:
🌟 Extensive Experience: We have years of experience in the loan industry, offering professional and reliable advice.
💡 Personalized Solutions: Every customer has unique needs, and we tailor the most suitable loan solutions for you.
🔒 Transparent Communication: We value transparency and integrity, ensuring you are informed at every step of the loan process.

📈 Industry Insights: We share market dynamics and industry insights with you to help you make informed loan decisions.

DSR, DSR. 每次听到DSR可是却不知道是什么？🧐 DSR其实是Debt Service Ration / Debt Burden Ration. 😏

DSR其实是一个关键的财务指标，可以极大地影响我们的财务状况。🫣在本质上，DSR衡量了我们管理债务支付的能力，这是贷款机构在您申请贷款或信用时考虑的重要因素。所以了解和管理DSR是实现财务稳定和实现目标的关键。

DSR为什么重要？因为贷款机构使用我们的DSR来确定是否有资格获得贷款💰。较低的DSR增加了获批准的机会。另外，DSR可以影响我们可以借多少钱💵。较低的DSR意味着您可以获得更大的贷款。最后当然利率📈。一个良好的DSR可以让我们以较低的利率获得贷款，从而节省长期的利息支出。

不要让高DSR阻碍您实现财务目标。掌握您的财务，改善您的DSR，为更加光明的财务未来铺平道路。记住，管理您的DSR是实现您应得的财务自由的第一步。有任何问题，记得来咨询我们SNS MORTGAGE ADVISORY.

#财务咨询

Unlock Your Dream Home with Our Hassle-Free Mortgage Solutions!

🏡 Ready to Make Your Homeownership Dreams Come True? Look No Further!

At SNS Mortgage Advisory, we understand that buying a home is a monumental milestone. That's why we're here to guide you every step of the way, making the process smooth, transparent, and stress-free.

✅ Personalized Guidance: Our team of experienced mortgage specialists will work closely with you to find the perfect loan option tailored to your needs and financial goals.
✅ Quick Approval: Say goodbye to long waiting times! With our streamlined approval process, you can get the green light faster and move into your dream home sooner.
✅ Refinancing Solutions: Already own a home? Our refinancing options can help you lower your monthly payments, tap into equity, or consolidate debt.
✅ Local Expertise: We know the local market inside out and can provide insights that will help you make informed decisions.

🔑 Your Dream Home is Within Reach - Take the First Step Today!
Don't wait any longer to turn your dream of homeownership into reality.
📞 Call us at
013-394 9314 / wasap.my/60133949314
017-361 2929 / wasap.my/60173612929

有汽车销售员透露，目前平均有60%的购车者是申请全额贷款买车......

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许多老板因为不了解SME Loan而错失了许多商业机会。以下是常见的SME贷款误区和事实解析：

❌ 误区：公司需要成立三年才能向银行申请贷款?
✅ 事实：只要公司有6个月的Bank Statement，就可以申请Startup Loan。

❌ 误区：只有盈利的公司才能获得银行融资?
✅ 事实：除了Net Profit，银行还会审核公司的cash flow、信用记录和贷款用途等多方面因素，来决定是否批准贷款。

❌ 误区：SME Loan申请简单快速?
✅ 事实：由于SME贷款金额较大，银行审核时间相对较长，从提交文件到收到款项，通常需要1-2个月。因此，不要等到急需资金时才申请贷款。

❌ 误区：SME Loan利息很高?
✅ 事实：SME贷款的interest通常在4-8%之间，整整比个人贷款利率少了一倍。

👩🏻‍💼 目前我们有低利息2.xx%的SME Loan和3.xx%的Personal Loan可供选择。
📲 了解更多，wasap.my/60133949314/smeloan

❌ 误区：必须有抵押才能获得贷款?
✅ 事实：现在政府为中小企业提供了担保贷款，企业无需抵押也能获得贷款用于业务扩展。

希望今天的分享能帮助您的企业抓住更多市场机会。如果您需要企业或个人贷款，请随时联系我。

📲 wasap.my/60133949314/smeloan
📞 6013-394 9314

👩🏻‍💼 关注我，让我成为您企业背后专业的资金后盾！

#中小型企业 #商业贷款 #个人 #商业 #企业 #融资 #贷款 #银行贷款

贷款买车小白须知的几个因素🚙🚙：

1. 贷款成本💰
贷款成本在融资比例较低时可能更便宜。这是因为贷款由两部分组成：本金和利息。利息将在贷款期间按总申请金额计算，而本金是您承诺支付的总贷款金额，包括利息。大多数借款人会选择高达90%（有时首次购车者可达100%）的较高融资比例，以便他们支付较少的个人资金或储蓄。然而，类似跑车的二门车借款仅能高达70-80%

2. 利率📊
这是银行为借款人提供服务的一种常见做法。利率以百分比形式表示，每年计算。大多数银行将提供约2.7%至3.5%不等的具有竞争力的汽车贷款利率，具体取决于汽车类型（新车2.7%至3.5% ,二手车3.5% - 4.5%，国产还是进口）。您可以通过缩短还款期限或降低融资比例来减少利息支付。

3. 首付款💵
这个交易发生在购车时，通常由借款人从自己的口袋支付。首付款金额越大，您可以向银行申请的融资比例就越低。因此，这也将降低利息支付以及每月分期付款。

4. 贷款违约和被收回💸
值得注意的是，车辆贷款是以购买的车辆作为抵押的。如果未按时还款或违约，银行有权通过从借款人那里收回资产来采取法律行动。根据贷款文件中的条款和条件，在您在规定的时间内完全偿还汽车贷款后，车辆的全部权利将转移到您名下。

#贷款买车小白 #贷款 #因素 #利率利息 #减少利息

Happy Mother's Day

愿天下所有的母亲，
平安喜乐，幸福安康，母亲节快乐！
Happy Mother’s Day to all tough, patient, loving, and all around amazing mothers out there ❤️

只供参考😊

买电动车后悔了？车主：省油是真，省钱是假，接受不了3大硬伤 随着新能源汽车的发展，汽车工业面临很大的变革，传统燃油车受到冲击，很多传统汽车品牌也在转型，谁也不想落后于时代的发展。中国自主品牌在新能源领域迎来了“春天”，一大批造车新势力的出现，提升了国产汽车的口...

Wishing You and Your beloved family a Happy New Year filled with joy and warmth. May the blessings of love, health, wealth, and happiness be abundant in your lives. 🥳🤩😇
祝您和您心爱的家人新年快乐，充满欢乐和温暖。愿爱、健康、财富和幸福的祝福充满您的生活。 🥳🤩😇

Wishing you a joyful Christmas filled with love, warmth, and festive cheer!

Selamat Hari Natal, semoga penuh kegembiraan dengan kasih sayang, kehangatan, dan semangat perayaan!

圣诞快乐！愿你度过一个充满爱、温馨和欢乐的圣诞节！

Wishing you a Diwali that's as bright as the fireworks and as sweet as the traditional sweets. May this festival bring you endless moments of joy and laughter with your loved ones.

On The Way Boss🤭

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The Early Bird Gets The Worm!
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✔️ABS with EBD Safety In The Rain
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“Narrow City Streets Or Even Countryside Are Not A Problem With Its Small Size And Superb Maneuverability.”

http://wa.me/60133949314
http://wa.me/60173633520

Term And Conditions Apply.
For Further Information Such As Body Application,Simply WhatsApp or Call Us Directly📞
Thanks!

Thank you Mr. Ng support SNS Auto Trading🎉🎉🎉




If you're currently looking for a new car, used car or rebuilt car subscribe to my page (SNS Auto Trading) , surprises awaits you! 👍

The safest and fastest way are at your finger tips:
No 1.ASK (Model ,Price, Offer)
No 2.APPLY (Cash or loan )
No 3.DRIVE (Door to door )

Contact by
🤳https://wa.me/60133949314
🤳 013 394 9314 Ang

⭐ Exclusive Advisor for your Vehicles ⭐

Thank you Mr. Wong support SNS Auto Trading🎉🎉🎉




If you're currently looking for a new car, used car or rebuilt car subscribe to my page (SNS Auto Trading) , surprises awaits you! 👍

The safest and fastest way are at your finger tips:
No 1.ASK (Model ,Price, Offer)
No 2.APPLY (Cash or loan )
No 3.DRIVE (Door to door )

Contact by
🤳https://wa.me/60133949314
🤳 013 394 9314 Ang

⭐ Exclusive Advisor for your Vehicles ⭐

Thank you Mr. Loh support SNS Auto Trading🎉🎉🎉




If you're currently looking for a new car, used car or rebuilt car subscribe to my page (SNS Auto Trading) , surprises awaits you! 👍

The safest and fastest way are at your finger tips:
No 1.ASK (Model ,Price, Offer)
No 2.APPLY (Cash or loan )
No 3.DRIVE (Door to door )

Contact by
🤳https://wa.me/60133949314
🤳 013 394 9314 Ang

⭐ Exclusive Advisor for your Vehicles ⭐