You're about to create your best presentation ever

Bank Loan Committee Presentation Template

Create your presentation by reusing one of our great community templates.

BANK LOAN TRAINING

Transcript: ABOUT BANK LOAN LESSON CONTACT 1 BANK LOAN LESSON BE PRESENCE, BE FOCUS, BE ACTIVE But first, please download INTERVIEW 2 Need to collect basic info, so that you know your buyer well So, what you need to ask? BUYER PROFILE 1 Occupation Need to identify buyer from which type employment i : Salaried Employee (Supervisor / Engineer / Officer / Manager.....) ii : Government Employee (Teacher / Govern staff / Doctor / Nurse.....) iii : Commission Earner (Coway / Insurance / Shopee / Food Panda / Grab / Lorry Driver.....) iv: Businessman (Enterprise / Sdn Bhd / Partnership......) 2 INCOME i: Fixed Income - Every months will get a fixed amount of income Exp: Fixed Allowance, Transport Allowance ii : Non Fixed Income - Every months will get different amount of income based on working effort Exp: OT, Commission, Non Fixed Allowance 3 COMMITMENTS PTPTN House loan Shop loan Car loan Personal loan ASB loan Credit card outstanding 5% Term loan Business loan Pawn broking 4 ADDITIONAL INFORMATION Where is the customer Staying & Working? Customer Age Budget of the customer looking for new property? Married / Single? Want buy for own stay or Investment? 1st House? 2nd house? 5 ENTITLEMENT 1. Asking Buyer Gross Pay & Existing Commitment 2. Find out Net Pay = Gross pay x 0.88 (excluded 12% is deduction EPF & SOCSO) 3. Balance Money (can be use for housing loan) = ( Net pay x 60% {DSR} ) - Existing Commitments Question: - Is it still have balance money after deduct all expenses? - Is it still have enough money to pay new housing loan? **This calculation is roughly estimation only, if you have buyer income docs, please follow the DSR calculation which will be more accurate. **DSR is based on the level of Salary Sample 1. Gross Pay & Existing Commitment - Gross Pay = RM3500 - Existing Commitment: Car RM600, PTPTN RM200 2. Net Pay = RM3500 x 0.88 (EPF & SOCSO) = RM3080 3. Balance Money [(Net Pay x DSR)- existing commitment] = (RM3080 x 60% {DSR} ) - (RM600 + RM200) = RM1848 - RM800 = RM1048 --> Balance Money can be use Advice: - Buyer still have RM 1048 balance money, new house monthly installment cannot more than this amount. RM 1048 ( Estimate can buy property RM 250,000+- ) After you know your buyer profile & buyer already decide which project buyer interested to purchase, 3 Time to collect documents any idea DOCUMENTATION 1 Private Sector Employee IC (Clear) Employment Confirmation Letter 6 Months Latest Payslip 6 Months Latest Bank Statements (Show salary credited) Latest 2 years EPF Statement Latest 2 years EA Form (If Have) Latest 2 years Income Tax (if salary above 4k) Extra Supporting Docs: Fixed Deposit / Savings / Rental Income (If have) 2 GOVT EMPLOYEE IC (Clear) Employment Confirmation Letter 6 Months Latest Payslip (Barcode) 6 Months Latest Bank Statements (Show salary credited) Latest 2 years EPF Statement (If have EPF deduction) Latest 2 years EA Form (If Have) Extra Supporting Docs: Fixed Deposit / Savings / Rental Income (If have) 3 COMMISSION EARNER IC (Clear) Employment Confirmation Letter 6 Months Latest Commission Slip 6 Months Latest Bank Statements (Show salary credited) CP58 Personal Income Tax (2 Years) Extra Supporting Docs: Fixed Deposit / Savings / Rental Income (If have) 4 BUSSINESSMAN IC (Clear) SSM (Full Set 3 Pages) 6 Months Current Business Bank Statement (Business Name as registered SSM) 2 Years Full Set Income Tax with payment receipt Extra Supporting Docs: Fixed Deposit / Savings / Rental Income (If have) 5 OVERSEA WORKER IC (Clear) Working Permit Employment Confirmation Letter 6 Months Latest Payslip 6 Months Latest Bank Statements (Show salary credited) Local country CCRIS report (Exp: Singapore: CBS Report) Notice Of Assessment (If salary more than RM 2k) Extra Supporting Docs: Fixed Deposit / Savings / Rental Income (If have) Suggest to add a local joint borrower THEORY & TERMS After got the income docs & L.A will check buyer's RAMCI report. So now, what in RAMCI report you have to know & House Insurance 4 Brace yourself, it's have lots bank terms you need to know & remember BANK INFO Others Others Bank guideline* Processing fees * buyer need to bear for bank processing & stamping fees Valuation fees cannot include in the loan Fire insurance is additional insurance need to pay over counter by yearly SRP - Skim Rumah Pertamaku * Need to get AKPK Cert SJKP Scheme* Combine Loan = Bank Loan + Govt Loan* EPF withdrawal second house can withdraw but 1st need to settle or sold off *refer attachment Insurance Sample CCRIS & CTOS CCRIS & CTOS CCRIS The Facilities Car Loan/Motor Loan Personal Loan PTPTN Housing Loan/ Shop Loan Credit Card outstanding x 5% ASB Loan Overdraft Pawnbroking Notes: FYI.... certain customers maybe NOT consider as their own commitment Example: Car loan under his name but monthly pay by someone. Credit card outstanding x 5% Pawnbroking - refer bank guideline to calculate (is better settle) Overdraft -Limit x 7% /12 If existing housing loan is joint loan, commitment divide 2, if

Bank Loan Prezi

Transcript: Electronics Store Business Plan Projected Profits Month 1 Week 1 $254 Week 2 $297 Week 3 $319 Expected Total Profits: $1195 Week 4 $325 Continue Continue Item 1 Item 1 Item 2 Item 2 Item 3 Item 3 Stop Stop Start Start Why We Are the Best Candidate Why We Are the Best Candidate We are the best investment for your bank as we will make a more than suffiecient amount of profit. Current standings Current standings Quarterly Sales Summary Quarterly Sales Summary 15% 37% 9% 2% Wins Wins Initiatives Initiatives Top performers Top performers New business New business Losses Losses Failed initiatives Failed initiatives Lost businesses Lost businesses Missed Opportunities Missed Opportunities Takeaways Takeaways Successful Venture Successful Venture Technology is a fundamental part of our society. An electronics store will definitely benefit and return profit. Proposal Proposal Initiative 1 Initiative 1 Initiative 2 Initiative 2 Initiative 3 Initiative 3 Risks Risks Risk 1 Risk 1 Risk 2 Risk 2 Risk 3 Risk 3 Risk management Risk management Benefits Benefits Benefit 1 Benefit 1 Benefit 2 Benefit 2 Benefit 3 Benefit 3 The forecast The forecast The sales funnel The sales funnel Projections Projections The action plan The action plan Scope Scope Initiative 1 Initiative 1 Initiative 2 Initiative 2 Initiative 3 Initiative 3 Resources Resources Budget Budget Stakeholders Stakeholders Stakeholder 1 Stakeholder 1 Stakeholder 2 Stakeholder 2 Stakeholder 3 Stakeholder 3 Time Time Next steps Next steps Step 1 Step 1 Step 2 Step 2 Step 3 Step 3

Now you can make any subject more engaging and memorable