{"id":74,"date":"2019-07-24T06:20:23","date_gmt":"2019-07-24T06:20:23","guid":{"rendered":"http:\/\/www.finandco.my\/?page_id=74"},"modified":"2019-08-20T07:55:24","modified_gmt":"2019-08-20T07:55:24","slug":"our-services","status":"publish","type":"page","link":"https:\/\/fncoldsite.finandco.my\/?page_id=74","title":{"rendered":"Our Services"},"content":{"rendered":"\n
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Debt Management Program | Easy Repayment Schedule | <\/strong> Mortgage Refinance Consolidation<\/strong> |<\/strong> Skipping Monthly Repayments<\/strong> | SME Loan | Personal Loan <\/strong><\/h5>\n\n\n\n
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In Malaysia, most Debt Management Programs take about 10 years for you to pay off your outstanding payments. At FinAndCo, we are able to help you to shorten the repayment tenure to 5 years or less with progressive repayment schedules. <\/p>\n\n\n\n

During this time, we would share advice on how to save money more effectively. With our help, you are still able to travel overseas with ease of mind and have better CCRIS or CTOS rating for a more fulfilling lifestyle.<\/p>\n\n\n\n

Contact us<\/a> for more details.<\/p>\n\n\n\n

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Debt Management Program (DMP)<\/strong>
Outstanding credit cards payments is the most common unsecured debts among Malaysians. FinAndCo with its extensive experience will help clients restructure their credit card outstanding balances and personal loans in one single account for more efficient management. <\/p>\n\n\n\n

If you\u2019re looking for stable interest rates with reducing balance and the possibility of early settlement without any penalty, then DMP is the best choice for you. With DMP, our clients are able to save on finance charges of up to 60%. <\/p>\n\n\n\n

Clients who are able to pay off their outstanding balances earlier than the original repayment schedule can enjoy attractive rebates.<\/p>\n\n\n\n

Contact us<\/a> for more details.\n\n<\/p>\n\n\n\n

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Easy Repayment Schedule (ERS)<\/strong>
We help clients to arrange repayments of their credit cards outstanding balances with manageable installments periods. <\/p>\n\n\n\n

The sole objective of ERS is to improve clients\u2019 cash flow temporarily. The amount would later be turned into monthly installments of 12, 24, 36 or a maximum of 48 months*.<\/p>\n\n\n\n

With ERS, your credit card balances are subject to the same interest rates. And based on the agreed tenure of repayment, you are certain on the date of full repayment of the initial amount. <\/p>\n\n\n\n

Contact us<\/a> for more details. \n\n<\/p>\n\n\n\n

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Mortgage Refinance Consolidation (MRC)<\/strong>
Our strategy for MRC is to combine all of your credit cards, personal loans, and hire purchase loans into a single Mortgage account. This consolidation will result in better cash flow management.<\/p>\n\n\n\n

With MRC, your monthly commitment can be reduced up to 70%. Home loan interests are much lower than that of credit card interests. If you\u2019re interested to consolidate your secured and unsecured loan, MRC is the choice for your financial planning. <\/p>\n\n\n\n

You are able to use the overdraft services for working capital for those rainy days. Clients who have opted for this program have been able to save up to 60% in interests and other related costs.<\/p>\n\n\n\n

Contact us<\/a> for more details. \n\n<\/p>\n\n\n\n

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Skipping Monthly Repayments (SMR)<\/strong>
SMR allows clients to save one month of minimum payment. However, the following month, repayments will revert to the original repayment schedule. <\/p>\n\n\n\n

SMR basically allows clients who require a payment breather for a particular month, to address other more pressing payments. Processing time for SMR applications is around 5 working days. <\/p>\n\n\n\n

Contact us<\/a> for more details. \n\n<\/p>\n\n\n\n

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SME Loan (Small and Medium Enterprise Loan)<\/strong>
If you are starting a business and short of cash, we can share our solutions with you to help you kickstart your business. <\/p>\n\n\n\n

Our options for the SME Loan would not be burdensome to entrepreneurs or small business owners. Repayment schedule would be flexible and manageable according to the agreed terms and conditions.<\/p>\n\n\n\n

Contact us<\/a> for more details. \n\n<\/p>\n\n\n\n

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Personal Loan (Loans for individuals)<\/strong>
Consider taking on a personal loan to settle outstanding credit card debts at a much lower interest rate compared to the interest rates of credit cards. Having a single point of view and control would make it easier to manage your debts.<\/p>\n\n\n\n

Contact us<\/a> for more details. <\/p>\n\n\n\n

*Subject to applicable terms and conditions<\/em><\/p>\n\n\n\n

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FREQUENTLY ASKED QUESTIONS <\/strong><\/p>\n\n\n\n

What documents do I need to bring?<\/strong>
Your identification card, latest three months salary slip, latest credit card statement and other relevant documents subject to individual financial situation. Terms and conditions apply. <\/p>\n\n\n\n

What is the processing time for my application?<\/strong>
Depending on the type of program that you are applying for, the longest duration for processing is up to 7 working days. Terms and conditions apply.<\/p>\n\n\n\n

What are the chances that my application will be approved?<\/strong>
There is no guarantee of approval but it is our responsibility to provide all clients with the best service possible. It is our duty to try all legal methods possible to help you achieve your financial freedom. Terms and conditions apply.<\/p>\n\n\n\n

How do I verify the identity of a FinAndCo personnel?<\/strong>
The best way is to email us. Just click the \u201cContact Us\u201d box below and we\u2019ll respond to you as soon as possible.<\/p>\n\n\n\n

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Contact Us<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"

Debt Management Program | Easy Repayment Schedule | Mortgage Refinance Consolidation | Skipping Monthly Repayments | SME Loan | Personal Loan In Malaysia, most Debt Management Programs take about 10 years for you to pay off your outstanding payments. At FinAndCo, we are able to help you to shorten the repayment tenure to 5 years…<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":[],"_links":{"self":[{"href":"https:\/\/fncoldsite.finandco.my\/index.php?rest_route=\/wp\/v2\/pages\/74"}],"collection":[{"href":"https:\/\/fncoldsite.finandco.my\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/fncoldsite.finandco.my\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/fncoldsite.finandco.my\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/fncoldsite.finandco.my\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=74"}],"version-history":[{"count":40,"href":"https:\/\/fncoldsite.finandco.my\/index.php?rest_route=\/wp\/v2\/pages\/74\/revisions"}],"predecessor-version":[{"id":606,"href":"https:\/\/fncoldsite.finandco.my\/index.php?rest_route=\/wp\/v2\/pages\/74\/revisions\/606"}],"wp:attachment":[{"href":"https:\/\/fncoldsite.finandco.my\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=74"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}