Are you juggling multiple credit card payments, personal loans, and hire purchases? At YYC Consultancy, we help you simplify your financial life by combining high-interest, unsecured debts into a single, highly manageable mortgage facility.
Leverage your property's equity to absorb expensive debts. Banks won't calculate these settled loans into your DSR, preventing loan application rejections.
Stop bleeding money on high credit card interest. Soak up expensive personal loans with a secured housing loan offering much lower rates.
Shifting unsecured debt into a single secured property loan greatly relieves your credit burden and naturally boosts your overall credit score.
Instead of tracking multiple due dates, make one consolidated payment at a vastly reduced rate, saving you thousands in cash flow monthly.
| Debt Type | Current Outstanding Balance | Monthly Payment (BEFORE) | Monthly Payment (AFTER) |
|---|---|---|---|
| Existing Property Loan | RM 300,000 | RM 1,600 | RM 1,400 (Restructured) |
| Credit Cards | RM 50,000 | RM 2,500 | (Settled) RM 0 |
| Personal Loan | RM 50,000 | RM 1,400 | (Settled) RM 0 |
| Car Loan / Hire Purchase | RM 50,000 | RM 800 | (Settled) RM 0 |
| New Consolidated Cash | RM 150,000 | - | RM 900 |
| TOTAL COMMITMENT | RM 450,000 | RM 6,300 | RM 2,300 |
At YYC Consultancy, we handle the complexities of restructuring your debt so you don't have to:
Your trusted partner in navigating Malaysia's financial landscape. Empowering your financial future.
