• IP addresses are NOT logged in this forum so there's no point asking. Please note that this forum is full of homophobes, racists, lunatics, schizophrenics & absolute nut jobs with a smattering of geniuses, Chinese chauvinists, Moderate Muslims and last but not least a couple of "know-it-alls" constantly sprouting their dubious wisdom. If you believe that content generated by unsavory characters might cause you offense PLEASE LEAVE NOW! Sammyboy Admin and Staff are not responsible for your hurt feelings should you choose to read any of the content here.

    The OTHER forum is HERE so please stop asking.

(JIUHU PROPERTY MARKET) 投机买屋致断供严重 压缩贷款拖垮房市

pig

Stupidman
Loyal
投机买屋致断供严重 压缩贷款拖垮房市
www.enanyang.my
190823A31_C6564-0.jpg
上个月,我叙说了关于一群“零头期购屋”的受害者的故事。
这个月,要分享一个关于“压缩贷款”(Compressed Loan)的课题。
过去12个月内,许多受害者来向我求助,想要避免自己陷入财困或者面临破产。
在帮助他们的过程中,我跟这些受害者了解后,发现了大马许多不择手段的产业大师和房屋发展商的发展伎俩,以及他们的操作手法。
在2012到2018年期间,这些产业大师和发展商瞄准了年龄介于35至40岁的大马人。许多人出席了大马产业大师的讲座会后,得到事前安排好的房屋贷款,最终买了5到7间产业。
但是,这些大马人的月入仅介于6000至8000令吉,他们是如何通过国家银行的入中央信贷情报咨询系统(CCRIS)名单,并获得总值介于300万令吉到420万令吉的房贷?
他们每月必须支付1万5000令吉和2万1000令吉的房贷,一共买了5到7间屋子。
这些不择手段的产业大师的“秘密武器”,就是“压缩贷款”的技巧,和银行合作同时批准房贷给产业投资者。
当一个产业投资者决定要向发展商一次过购买6个产业,相关的产业大师,就会让他参加这个“压缩贷款”的计划。
这些产业大师会和发展商合作,先决定要购买的产业净销售价格。
“现金回酬支撑15个月”
然后,和发展商联手调高产业售价,好让产业投资者可以取得等于提高后售价的90%房屋贷款,并足以偿还以下的付款:
一)发展商原本的产业净销售价
二)产业投资者的10%头期豁免
三)投资者从发展商获得的“现金回酬”足够支付15个月的每月供款,直到产业增值了,比银行贷款更高,就可以转手套现。
“银行”将愿意为投资者提供占了调高后售价90%的贷款,而且不会有任何问题。
同时,也会安排好一切。比如全部的银行,都在2019年8月1日(星期四),下午3点,一起进入国家银行的CRISS系统检查,以获得相关讯息。
然后,银行就会发放全部的贷款给发展商。
190823A31_C6562-0.jpg
发展商拿到贷款后,就会:
一)先支付产业全部原本的净销售价。
二)然后给回投资者“现金回扣”,该笔回扣将足以支付15个月的供期,直到产业投资者可以卖掉。
至于产业投资者,当一个投资者向发展商买了6个单位,并获得了“现金回酬”,大概就会获得100万到120万令吉的现金。
就这样,一开始,产业投资者会觉得自己很富有。
但是,当他们把100万到120万令吉的现金回扣都花光后,产业投资者就会忽然清醒,并发现自己每月都要支付1万5000至2万1000令吉的供款给银行。
如果6个产业中,大部分都无法出租和丢空,单单以8000令吉的月薪,这个产业投资者根本无法支付他的房屋贷款。
不过,这个产业投资者发现自己不是唯一面对庞大巨债的人,而且银行实际上也不友好。
以上的经历是真实的。在大马,有数千人掉入了这些不择手段的产业大师和发展商的圈套。
所以,我建议潜在的产业投资者,别像这个文章中的受害者一样。别掉进产业大师和发展商的零头期加现金回扣的陷阱。
如果你成了受害者,并需要帮助,可以联络我[email protected] [email protected],或拨012-363 9232求助。
 

pig

Stupidman
Loyal
Got English version ?
translated

Last month, I told the story of a group of victims of "zero-term home purchases."
This month, I’m going to share a topic about “Compressed Loan.”
Over the past 12 months, many victims have come to me for help, trying to avoid falling into financial distress or facing bankruptcy.
In helping them, I learned about the victims and found the development tactics of many unscrupulous industry masters and housing developers in Malaysia, as well as their operation methods.
Between 2012 and 2018, these industry gurus and developers targeted Malaysians aged between 35 and 40. Many people attended the lecture of Malaysian industry masters, got a pre-arranged housing loan, and eventually bought five to seven industries.
However, these Malaysians have a monthly income of only RM6,000 to RM8,000, how did they obtain mortgages with a total value of RM3 million to RM4.2 million through the National Bank’s Central Credit Intelligence Advisory System (CCRIS) list?
They had to pay RM15,000 and RM21,000 a month for a mortgage, buying a total of five to seven rooms.
The "secret weapon" of these unscrupulous industrial masters is the technique of "compressing loans", and working with banks to approve mortgages to industrial investors at the same time.
When an industrial investor decides to buy six industries from a developer at a time, the relevant industrial master will let him participate in this "compressed loan" The plan.
These masters of the industry will work with developers to first decide the net sales price of the industry to buy.
“Cash return for 15 months.”
Then, in conjunction with developers, they will raise the price of the industry so that industrial investors can obtain a 90% home loan equal to the increased price, and enough to repay the following payments:
1) The original net sales price of the developer's industry
10% first-period exemption for industrial investors
3) “Cash Return” Received by Investors from Developers Enough to pay a monthly contribution for 15 months until the industry adds value and is higher than bank loans, so you can transfer gloves.
Banks will be willing to lend investors 90 percent of the price after the increase, and there will be no problems.
At the same time, everything will be arranged. For example, all banks, on Thursday, August 1, 2019, at 3 p.m., went to the National Bank’s CRISS system to check together to obtain relevant information.
The bank then makes all the loans to the developer.

When the developer gets a loan, he will:
1) Pay the entire original net sales price of the industry first.
Second, the investor is then given a "cash rebate", which will be enough to pay a 15-month supply period until the industrial investor can sell it.
As for industrial investors, when an investor buys six units from a developer and gets a "cash return" Rm1 to RM1.2 million in cash.
In the beginning, industrial investors will feel rich.
But when they run out of cash rebates of RM1 million to RM1.2 million, industrial investors suddenly wake up and find themselves paying RM15,000 to RM21,000 a month to banks.
If most of the six industries are unable to rent and empty, investors in the industry will not be able to pay his home loan at RM8,000 a month alone.
Still, investors in the industry find themselves not the only ones facing huge debts, and banks are actually unfriendly.
The above experience is real. In Malaysia, thousands of people have fallen into the trap of these unscrupulous industry masters and developers.
So, I suggest that potential industry investors don't be like the victims in this article. Don't fall into the trap of zero plus cash rebates for masters and developers.
If you are a victim and need help, you can contact me at [email protected] or [email protected], or dial 012-363 9232 for help.
 

syed putra

Alfrescian
Loyal
Silly investor fell for the scam. Truth is, jiu hu is under sold. Too many properties being developed simultaneously.
 
Top