Introduction Debt consolidation loans can be an effective solution for managing multiple debts by combining them into a single, more manageable loan. At SBH Financial Consultancy, we aim to provide you with the knowledge needed to make informed financial decisions. In this article, we’ll explore the pros and cons of debt consolidation loans to help […]
Pros and Cons of Debt Consolidation Loans | SBH Group Read More »
Introduction Debt consolidation can be an effective strategy for managing multiple debts, but it’s essential to understand how it works and when it’s the right choice for you. At SBH Financial Consultancy, we’re here to help you make informed financial decisions. In this article, we’ll explain what debt consolidation is and when it might be
What Is Debt Consolidation and When Is It a Good Idea? Read More »
Introduction Paying the minimum on credit card installments might seem like a convenient option, but it can have long-term financial consequences. At SBH Financial Consultancy, we aim to help you make informed financial decisions. In this article, we’ll explore the implications of paying the minimum on your credit card installments. What is a Minimum Payment?
Is It Good to Pay the Minimum on Credit Card Installments? Read More »
Introduction Refinancing a housing loan can be a strategic move to optimize your financial situation, reduce monthly payments, or secure a better interest rate. At SBH Financial Consultancy, we specialize in helping individuals and businesses make informed decisions about their finances. In this article, we’ll delve into everything you need to know about refinancing your
Refinancing Housing Loan: All You Need to Know Read More »
身为大马公民不能不会的【5大让您轻松用卡轻松还卡的大招】🤯 叔伯兄弟姨妈姑姐赶快学起来❗️ 真正关键能帮助我们减少卡债每个月的负担和节省18%的高利息的真正关键是什么呢⁉️ 🤓必学【5大妙招】让您轻松用卡轻松还卡🤓 ✅ 第一招 一定一定要学会巧用信用卡低至0%的优惠！ 每家银行的信用卡都会提供各自的信用卡优惠如：0% Balance Trasnfer, Cash On Call, EPP, Flexi Payment Plan 等等。利用这些优惠把我们现有的卡债专去更低利率的供期。 ✅ 第二招 想办法把你的 DSR降到最低！ 绝大部分的银行都会提供债务重组贷款，申请其中首要条件就是DSR不能过高！较低的DSR也使未来借贷（例如申请房贷或车贷）也更加容易获得 offer 哦！ ✅ 第三招 保持良好的 CCRIS/CTOS 信用评分很重要！ 一定要准时还款，be a good payment master! 避免有迟还的不良记录，做任何卡债重组计划都需要有良好的信用评分记录。 ✅ 第四招 和银行保持良好关系！ 当我们真的面对着庞大的债务问题时，可以尝试和银行协商把你现有的卡债利息另制定一个还款供期，可以协议拉长或降低现有的卡债利息和还款数额。 ✅ 第五招 寻求你最信赖的财务顾问咨询！ 也许我们都知道该怎么解决，可是我们自己真的也解决不了？如：开始有迟还的现象导致CCRIS问题，又或是DSR爆满的情况。在这种时候一定要赶紧寻求财务顾问帮忙制定还款计划咯！ 🥲这些招数你都懂可是还是解决不到你的卡债问题吗？ 🥲想要得到最专业的卡债重组方案吗？ KL Hotline SBH Kuala Lumpur SBH Penang SBH Johor
Introduction: Navigating the Path to a Debt Consolidation Loan Debt consolidation loans can simplify your financial landscape. By merging multiple debts into one loan, you reduce the complexity of your finances. This article, crafted by the experts at SBH Financial Consultancy, will serve as your guide. We manage various debts such as credit card balance,
Steps to Qualify for a Debt Consolidation Loan Read More »
Introduction In today’s fast-paced financial landscape, Malaysians face a variety of debt challenges. From credit card debts to housing loans, the burden of multiple financial obligations can be overwhelming. This is where debt consolidation and refinancing come into play, offering strategic solutions for managing and reducing debt. SBH Financial Consultancy specializes in these areas, providing
Debt Consolidation Loan vs. House Refinancing Read More »
Introduction Are you seeking the best interest rates for your business loan in Malaysia? Understanding these rates can dramatically influence your financial decisions. Here, at SBH Financial Consultancy, we specialise in managing banking-related debts. Our expertise spans across credit card debts, housing loans, and personal loans. This article aims to demystify the complexities of business
Grant Requirement: Business Loan Interest Rate Malaysia Read More »
Introduction In Malaysia, credit cards play a vital role in personal finance management. Recent data suggests that their use is growing significantly among consumers. One attractive feature that enhances this trend is the credit card instalment plan. This plan allows users to split large purchases into manageable monthly payments. At SBH Financial Consultancy, we specialise
How Credit Card Installment Plan Works in Malaysia? Read More »
Introduction In Malaysia, many people grapple with managing multiple debts. These include credit card debts, housing loans, and personal loans. SBH Financial Consultancy specialises in aiding such individuals. We offer tailored consultations that assess each client’s unique financial circumstances. Our goal is to provide the most suitable financial solutions through official, transparent methods. This article
Credit Card Restructuring vs. Debt Consolidation Read More »
