Leon Yue - Moolah Wealth Management

Leon Yue - Moolah Wealth Management ⭐Bank Loan Consultant
⭐Financial Consultant
⭐Mortgage Consultant & Refinance

🏢💸 Buy a Condo & Cash Out? Yes, You Can!Looking for a smart way to own property and boost your cash flow?This Cash Out P...
10/04/2025

🏢💸 Buy a Condo & Cash Out? Yes, You Can!

Looking for a smart way to own property and boost your cash flow?
This Cash Out Property is your golden opportunity! ✅

✔️ Refinance after purchase
✔️ Get instant cash-out
✔️ Pay off debts (PTPTN, credit cards, car loan)
✔️ Lower your monthly commitments
✔️ Use the cash for business, investment, or savings!

🔥 Priced below market value
🔥 Motivated seller – fast deal, high potential!

📲 Want to know how much you can cash out?
Click to contact me https://wa.me/message/JTOJUD7UQTHUK1 and help you calculate it for free — let’s calculate it for you!

Owning a home isn’t just a goal —
It’s a financial strategy.

🚨 BREAKING NEWS: BNM Caps Personal Financing at RM200,000! 🚨Starting 1st March 2025, Bank Negara Malaysia (BNM) will enf...
21/03/2025

🚨 BREAKING NEWS: BNM Caps Personal Financing at RM200,000! 🚨
Starting 1st March 2025, Bank Negara Malaysia (BNM) will enforce a RM200,000 limit on personal financing in CCRIS. This major policy change aims to promote responsible borrowing and prevent over-indebtedness.
🔍 What You Need to Know:
✅ Maximum personal financing limit: RM200,000
✅ PTPTN loans also counted as personal financing under this limit
✅ Credit card debt and collateral-backed loans are NOT affected
❗ Who Will Be Affected?
This policy may create challenges for individuals who rely on personal financing to sustain their business, fund investments, or manage urgent financial needs. If your current financing exceeds RM200,000, future loan approvals could be more difficult.
💡 Limited Financing Options Available – Act Fast!
While this policy tightens access to personal loans, we still have alternative financing solutions that can help you:
✔ Refinance existing loans to free up cash flow
✔ Apply for business or mortgage-backed financing
✔ Explore special funding programs from our banking partners
✔ Strategize your loan applications to maximize approval chances
However, with stricter regulations, available financing options will be limited—so act now before it’s too late!
💬 DM us NOW or 📞 WhatsApp +6010-270 0925 for a FREE assessment!
📍 Leon Yue - Moolah Wealth Management
🔑 Your approval is our priority! Let’s make it happen. 💼✨
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‼️At what age can apply Secured Facilities & Unsecured Facilities?‼️House Loans 🏠:Minimum age: 18 years old (preferably ...
12/03/2025

‼️At what age can apply Secured Facilities & Unsecured Facilities?‼️

House Loans 🏠:
Minimum age: 18 years old (preferably 21 years old or older) 🎂.
Maximum age: Up to 70 years old (loan term can be up to 35 years) ⏳.
If under 21, it typically needs to be a joint application 🤝.

Car Loans 🚗:
Minimum age: 18 years old (preferably 21 years old or older) 🎂.
Maximum age: Up to 70 years old (loan term can be up to 9 years) ⏳.

PTPTN (National Higher Education Fund 🎓):
Maximum age: Under 45 years old when applying for the loan 🧑‍🎓.

Credit Cards 💳:
Minimum age: 18 years old (preferably 21 years old or older) 🎂.
If under 21, the bank may require a guarantor (such as a parent) 👨‍👩‍👧‍👦 or allow establishing credit through a supplementary card (e.g., a parent's supplementary card) 💳.

Personal Loans 💰:
Minimum age: 21 years old or older 🎂.
Maximum age: Up to 60 years old (loan term can be up to 10 years) ⏳.

❗️What is Secured Facilities & Unsecured Facilities?❗️🏠🔒A "Secured Facilities" is generally a loan made to a lender secu...
11/03/2025

❗️What is Secured Facilities & Unsecured Facilities?❗️

🏠🔒A "Secured Facilities" is generally a loan made to a lender secured by certain assets of high value or significant security. The concept is similar to a "secured loan" or "mortgage", but specifically relates to assets with special security safeguards.

Property🏡
Land🌍
Car / Motor Vehicles🚗

An "Unsecured Facilities" is when a borrower borrows money from a lending institution (such as a bank, credit union, or other financial institution) without providing any form of security. Because there is no collateral, lenders rely primarily on the borrower's creditworthiness to decide whether to approve the loan and how much it will take.

PTPTN🎓
Credit Card 💳
Persona Loan 💵

Outstanding Credit Card Debts Effect Your Profile💢Low credit scoreBanks usually use your credit score to assess the risk...
07/03/2025

Outstanding Credit Card Debts Effect Your Profile

💢Low credit score
Banks usually use your credit score to assess the risk of borrowing. With a low credit score, the bank may therefore think that you will not be able to repay the loan on time.

💢Negative credit history
If you've ever defaulted on your loan, gone bankrupt, or haven't made payments on time for a long time, the bank will look at your credit report and may reject the loan application. These negative records can mean that you are at a higher risk of default.

💢Applying for loans too often

It can help gradually improve credit scores, reduce debt, and lower debt-to-income ratios.

📲Contact: https://wa.me/message/JTOJUD7UQTHUK1

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