Lun Advisor

15/12/2025

Why is Balance Sheet and Profit and Loss are important to a company?

Here are 5 main ratios and aspects the bank will looking for.

Feel free to contact us to know more about your company's financial profile before purchasing property and applying for working capital.

08/12/2025

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.

14/08/2025

💳 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!

13/08/2025

🚨 Big Update: BNPL Will Now Appear in Your CCRIS Credit Report!

If you’re using or thinking about using Buy Now, Pay Later (BNPL), here’s something you can’t ignore.
Your BNPL repayment history will soon be recorded in the Central Credit Reference Information System (CCRIS), directly impacting your credit score.

💡 What this means for you:

✅ On-time payments can help build a positive credit profile

❌ Late or missed payments could hurt your score and affect future loan or credit approvals

BNPL isn’t “free money”, it’s a short-term credit. Once it’s tracked in CCRIS, every purchase and repayment will be on record.

📌 Smart BNPL tips:

1) Spend within your budget — don’t overspend for promotions

2) Plan your repayments ahead of time

3) Review your CCRIS report regularly

Your credit is your lifelong financial asset. Use BNPL wisely, it can be a tool or a trap.

21/06/2025

Registered Financial Planner!

After months of deep learning, I’m officially graduated and ready to advise!

As a financial planner, I’m not just sell a policy, but to guide people through their entire financial journey.

To see the full picture of your financial life. Whether building wealth, risk, retirement, family and your personal life goals.

I am your lifelong partner in your financial journey.

Thank you to everyone who has supported me along the way.

16/06/2025

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.

26/03/2025

Buying a property with only 5% down payment or even 0 down payment?

Do you know that bank is actually giving more than 90% loan margin to us for buying a property?

Kindly refer to the case study below and approach us to know more.

31/12/2024

23/02/2024

🇲🇾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

21/03/2023

四周年 Annual Dinner
气势如红 | BOUNDLESS 4.0
WEREG PROPERTIES ANNUAL DINNER 2023
It's been an honor to have been invited and feeling incredibly grateful for our company to be able to act as the only gold sponsor of this amazing event too.
| 𝗚𝗼𝗹𝗱 𝗦𝗽𝗼𝗻𝘀𝗼𝗿𝘀 |
1. Nor Hamizah & Co
2. My Wealth Capital SDN BHD

#越战越勇
#潮越 2022
#气势如红 2023

22/12/2022

Happy Winter Solstice ❤️
Wishing you and your loved ones a very beautiful and blessed winter solstice.

祝大家冬至快乐，团团圆圆 , 开开心心，幸福安乐，好运永远！




&co