COMPANY HISTORY & BUSINESS ACTIVITIES
Acescube (M) Sdn. Bhd. ( AMSB ) was incorporated on 25th March 2008.
AMSB choose to focus it is uniquely positioned to take advantage of this market opportunity (niche) due to the Technical Principals’ expertise and the distinct benefits of Base Lending Rate management :
Financial Institutions have switched to Variable Interest Rate from Fixed Interest Rate Regime and they are now protected from market interest rate fluctuations . As such , the risk is now borne by Borrowers !
Borrowers are still thinking that when they signed-up for a loan tenure of 20-year , 25-year or 30-year , their loans maturity is fixed at 20-year , 25-year and 30-year respectively Regardless of the BLR changes ! Little to they realize that without corresponding increase in their monthly instalment , their loan tenure increases significantly – With Acescube’s services , Borrowers’ worries are relieved !
Target Market : An untapped market - Borrower(s) with at least 10 years remaining tenure.
IN 1998 , THE FINANCE COMPANIES WERE CHARGING 12.35%pa FOR HOUSING LOANS AND SINCE THEN THE BLR HAS FALLEN GRADUALLY OVER THE YEARS TO 6.75%pa IN 2007 AND BY ANOTHER 0.25%pa TO 6.50%pa ON 1ST DECEMBER 2008 : AN AVERAGE REDUCTION OF 5.85%pa ( 12.35%- 6.50% ) . EFFECTIVELY , FOR A 10-YEAR LOAN ITS TENURE SHORTENS BY AT LEAST 16.0 MONTHS WITH THE SAME MONTHLY INSTALMENTS !
BETWEEN 1998 – 2008 , ALL HOUSING LOAN BORROWERS SHOULD ENJOY AT LEAST 16 MONTHS REMISSION / REDUCTION . UNFORTUNATELY , MOST IF NOT ALL ( AT LEAST 100,000 BORROWERS ) ARE STILL NOT AWARE !!!
FAQ :
What is SIM50?
SIM50 provides a 99% accuracy on the ledger, with the objective to slash 50% mortgage loan interest and shorten mortgage loan tenure by 50% regardless your current or future property loan. Ultimately, it protects you from the dramatic fluctuation of the BLR with the help of the ledger that is provided. It is not refinance, restructure or any similar service by lender institutions.
What is the uniqueness of SIM50?
Acescube (M) Sdn Bhd is the pioneer company to provide 99% accuracy mortgage loan ledger with BLR management in Malaysia.
Why BLR management is essential?
Without BLR management any prepayment done previously or in the future could be compounded to interest due to BLR fluctuation, default rate, late payment or insufficient payment.(Etc: lump sum, extra prepayment or monthly repayment.) Hence, improper BLR Management would result to loan tenure extension and with increase of interest.
How do I know my SIM Ledger is on track?
By checking your current outstanding balance, you are rest assure of our service accuracy together with your mortgage maturity. The objective of SIM Ledger is to avoid extra interest or tenure that is payable.
How do I know whether is my loan qualify for this service?
You can obtain advice from our Business Advisory Officer whereby they could assist you to understand your current loan situation.
What is the difference between Mortgage Reduction and BLR Management?
Any other private companies that provide Mortgage Reduction, its result may not guarantee accuracy due to BLR fluctuation in which it may extend your loan tenure and interest even if mortgage reduction is done. BLR management guarantees the result even due to BLR fluctuation.
Why 99% accuracy is required?
Saving on tenure and interest payable is assured even with BLR fluctuation. SIM50 provides lowest prepayment capability and marginal payment for marginal saving. Any extra amount is not advisable.
What if I can’t repay the amount advised?
Any advised amount unpaid is no default to your loan. You may pay your amount according to your offer. However, it is advice to contact your Business Advisory Officer once you need to get back on track. Note that SIM50 will always benefit you in terms of interest payable, tenure, outstanding balance and payment wise.
What are to consequences without SIM50 or BLR Management?
It would result to never ending loan payment in which it would extend more to what you signed for, paying more interest of what you suppose to and using up unnecessary cash for early settlement.(please refer to article segment)
How secure is the service that is provided?
All service render does come with a legal document. Therefore, you could be rest assure what has been convey to you would be guarantee legally.
Kindly contact : Peter Liew 012-9858377 for appointment and free consultation.
Acescube (M) Sdn. Bhd. ( AMSB ) was incorporated on 25th March 2008.
AMSB choose to focus it is uniquely positioned to take advantage of this market opportunity (niche) due to the Technical Principals’ expertise and the distinct benefits of Base Lending Rate management :
Financial Institutions have switched to Variable Interest Rate from Fixed Interest Rate Regime and they are now protected from market interest rate fluctuations . As such , the risk is now borne by Borrowers !
Borrowers are still thinking that when they signed-up for a loan tenure of 20-year , 25-year or 30-year , their loans maturity is fixed at 20-year , 25-year and 30-year respectively Regardless of the BLR changes ! Little to they realize that without corresponding increase in their monthly instalment , their loan tenure increases significantly – With Acescube’s services , Borrowers’ worries are relieved !
Target Market : An untapped market - Borrower(s) with at least 10 years remaining tenure.
IN 1998 , THE FINANCE COMPANIES WERE CHARGING 12.35%pa FOR HOUSING LOANS AND SINCE THEN THE BLR HAS FALLEN GRADUALLY OVER THE YEARS TO 6.75%pa IN 2007 AND BY ANOTHER 0.25%pa TO 6.50%pa ON 1ST DECEMBER 2008 : AN AVERAGE REDUCTION OF 5.85%pa ( 12.35%- 6.50% ) . EFFECTIVELY , FOR A 10-YEAR LOAN ITS TENURE SHORTENS BY AT LEAST 16.0 MONTHS WITH THE SAME MONTHLY INSTALMENTS !
BETWEEN 1998 – 2008 , ALL HOUSING LOAN BORROWERS SHOULD ENJOY AT LEAST 16 MONTHS REMISSION / REDUCTION . UNFORTUNATELY , MOST IF NOT ALL ( AT LEAST 100,000 BORROWERS ) ARE STILL NOT AWARE !!!
FAQ :
What is SIM50?
SIM50 provides a 99% accuracy on the ledger, with the objective to slash 50% mortgage loan interest and shorten mortgage loan tenure by 50% regardless your current or future property loan. Ultimately, it protects you from the dramatic fluctuation of the BLR with the help of the ledger that is provided. It is not refinance, restructure or any similar service by lender institutions.
What is the uniqueness of SIM50?
Acescube (M) Sdn Bhd is the pioneer company to provide 99% accuracy mortgage loan ledger with BLR management in Malaysia.
Why BLR management is essential?
Without BLR management any prepayment done previously or in the future could be compounded to interest due to BLR fluctuation, default rate, late payment or insufficient payment.(Etc: lump sum, extra prepayment or monthly repayment.) Hence, improper BLR Management would result to loan tenure extension and with increase of interest.
How do I know my SIM Ledger is on track?
By checking your current outstanding balance, you are rest assure of our service accuracy together with your mortgage maturity. The objective of SIM Ledger is to avoid extra interest or tenure that is payable.
How do I know whether is my loan qualify for this service?
You can obtain advice from our Business Advisory Officer whereby they could assist you to understand your current loan situation.
What is the difference between Mortgage Reduction and BLR Management?
Any other private companies that provide Mortgage Reduction, its result may not guarantee accuracy due to BLR fluctuation in which it may extend your loan tenure and interest even if mortgage reduction is done. BLR management guarantees the result even due to BLR fluctuation.
Why 99% accuracy is required?
Saving on tenure and interest payable is assured even with BLR fluctuation. SIM50 provides lowest prepayment capability and marginal payment for marginal saving. Any extra amount is not advisable.
What if I can’t repay the amount advised?
Any advised amount unpaid is no default to your loan. You may pay your amount according to your offer. However, it is advice to contact your Business Advisory Officer once you need to get back on track. Note that SIM50 will always benefit you in terms of interest payable, tenure, outstanding balance and payment wise.
What are to consequences without SIM50 or BLR Management?
It would result to never ending loan payment in which it would extend more to what you signed for, paying more interest of what you suppose to and using up unnecessary cash for early settlement.(please refer to article segment)
How secure is the service that is provided?
All service render does come with a legal document. Therefore, you could be rest assure what has been convey to you would be guarantee legally.
Kindly contact : Peter Liew 012-9858377 for appointment and free consultation.
