Lun Advisor

For every company which is planning to lend money from the bank, you will hear about EBITDA.

What is EBITDA?

Earnings Before Interest, Taxes, Depreciation, Amortization

It's a financial metric using by the bank to know about your business
Your business scorecard to know how well is your business.

💳 Want to know how banks decide to approve your loan?
It’s not just about your credit score — they look at the 5Cs of Credit 📊

🔹 1. Character – Your trustworthiness & repayment history.
Credit history, references, and reputation matter. ✅

🔹 2. Capacity – Your ability to repay.
Banks check your income, debt ratio, and cash flow. 📈

🔹 3. Capital – Your own money in the deal.
Savings, investments, and equity show commitment. 💰

🔹 4. Collateral – Assets you pledge as security.
Property, equipment, or other valuables. 🏠

🔹 5. Conditions – The bigger picture.
Purpose of the loan, market situation, interest rates, and economic climate. 🌍

📌 Tip: A strong financial profile blends trust, capability, and planning.
Make sure all your “Cs” are in good shape before applying!

Throwback May Training

Completed Mortgage Credit Training and officially a member of the Maybank outsourcing.

Certificate presented by Head of Mortgage Maybank.

The first and only one approved authorize MAYBANK outsourcing.

🇲🇾Full Flexi vs Semi Flexi
很多人贷款的时候其实都不知道自己拿的到底是什么facility, 因为一般上Banker都会以顾客的profile去判断应该拿什么facility. 每间银行的facility都会不一样的
⭕️Full Flexi
▶️Loan account也是Current account，可以随时放钱和拿钱，就像是你的日常来往户口，可以把所有储蓄放在这个户口, 放多一天就省多一天的利息，要用的时候随时withdraw出来。
▶️大多数Full Flexi都会有一个RM10 monthly charge, 没有withdrawal fee
▶️通常听到很多建议就是生意人比较适合拿Full Flexi, 因为他们流动资金比较大。时常会进钱出钱，会比较方便。
⭕️Semi Flexi
▶️Loan account是个体的，如果要make installment或者放prepayment省利息，都必须从一个Saving Acc 转去Loan Account, 有些银行是必须要开回同一个银行的Saving account.
▶️Withdrawal会比较麻烦，有的银行直接在上网request就可以了，但是还是需要等1-3天才可以拿钱。大部分需要RM25-RM50 per withdraw. 如果你每次放钱进去又突然要用到钱，就会比较麻烦。就是因为麻烦，就不会想到要放钱进去这个Account. 然后利息就是一直charge下去，供完的时候也就是用两间房的钱买一间房。所以可以的话，每个月放多RM100下去也至少可以省几十千。
💁🏻‍♀️在这边顺便强调：
🟡Monthly Installment： 每个月供期
🟡Prepayment： Extra payment在loan account, 可以省利息，可以随时拿出来
🟡Advance Payment:：Extra payment, 没有省利息的作用，但是可以用来扣在下个月installment
🟡Reduce Principal： 直接扣掉Loan Principal, 就是很像给downpayment这样拿不回出来的。

💁🏻‍♀️35年Facility很长，选好好。
希望这篇文有帮助到大家。

My Wealth Capital Sdn Bhd