Who we are

MQ companies focus on assisting our clients since 1998 to excel in their wealth management. Our unique model has helped many entrepreneurs to embark on a strong footing in their line of business and life. It has successfully assisted many existing clients or affiliates to witness breakthrough improvement in terms of wealth management and life.  

What we do

You will find this one stop money quotient hub here in MQ with our areas of services to assist you.

Personal Financial Planning
Insurance planning
Retirement planning
Estate planning
Business Financial Planning
Business Funding
Guarantor Indemnity Plan
Keyman Compensation Plan
Business Succession Plan
Professional Value Plan
Group Employee Benefit Scheme
General Insurance
0
years
0
clients

Your reliable partner

MQ is committed to providing excellent service in wealth management of our clients and strive to be the central hub of financial services excellence with extreme passion to serve and share in personal or corporate level.

We love making positive impacts.

Thank you for taking great care of us on our insurance. You and your team at MQ Consultancy Sdn Bhd have been wonderful to work with. Just list out one of the friendly customer service that given, MQ’s staff is stationed in Ee-Lian café every Friday and ready to give professional insurance advice to our employees without extra charges. Jason has always been tried his best to provide the better coverage than the prior and save us in term of premium charges at the same time. I would recommend Jason to anyone without hesitation or reservation.

Dr Teoh Han Chuan
Group Managing Director
SWS Capital Berhad

Good,Affordable,Fast ; Products following market trend and demand; Feel personalized services provided by the MQ Team

10 years ago, MQ did my wife medical claim and handed the pay cheque to my house on my hand within 3 working days! Truly appreciated MQ founder Mr Jason Koeh efficiency in helping me to go thru my life most difficulties period. Mr Jason Koeh even think of the best on how to made claim for chemo therapy treatment on my wife using the medical card ( very lucky Mr Jason Koeh proposed the Medical Card to my wife as her first Insurance Policy). After all those sour and painful story we become very good friend and we treasure each other until today. Life is Great. I love u bro.

Ng Cheng Hoe
Director
Inno PDA Sdn Bhd

Friendly, reliable and efficient

MQ provides excellent service in many aspects since the beginning till now and the people in MQ has always been there for me like a family when needed. Hence, this is very important for me and as a customer as I felt MQ is reliable and efficient in providing their service.

Geoffrey Teoh
Manager
Financial Institution

Informative, latest update and financial newsletter

Dr Chong Yen Nee
Chief Executive Officer
Yayasan Penjaja dan Peniaga Kecil 1Malaysia

Quick response, competitive quote and comprehensive product info

Sheley Teoh
General Manager - Sales
Blu Inc Media Sdn Bhd

FAST,

EFFICIENT, 

HELPFUL!
Aster Lim
Group Managing Editor
Blu Inc Media Sdn Bhd

Professional advice on insurance, Effecient and effectiveness MQ team

I will recommend MQ due to the professionalism of the team. Look forward to see this organisation grow!

Eric Gan
Regional Sales Manager
MBNS (ASTRO)

Consult, Advise, Reference. Train all staff to implement same character.

Dr. Samsudin Wahab
Lecturer
UiTM

Service is professional and personalized. 

Efficient, competitive and attentive. Thank you for taking care of us and we look forward to many more years with you.

Aanear You Chee Chien
Executive Director
Yee Loong Engineering Sdn Bhd

Always updated service, knowledgeable consultation,

None of the financial company can provide such great service like they do!

Dr Shirley
Doctor
AOKlinik
ppl

Need professional advice on financial management?

Let our team assist you!

bino

Looking for something new to venture in your career?

Join our team and make a difference now!

Meet Our Partners

Our Corporate Social Responsibility

The most important objective of our company is to obtain profitability in the long term. Guided by its mission and values we seek to achieve profits without prejudice to society and the environment.

Latest Updates

Happy Father's Day 🎉💖🌻 ... Read moreHide

16 hours ago

Happy Fathers Day 🎉💖🌻

Quit Rent & Parcel Rent: Here's What You Need to Know Before Buying a House

Are you a Malaysian who's planning to purchase property for the very first time (Congratulations!), but haven't heard of 'quit rent' or 'parcel rent' before?

If you're nodding in response to this question, you might want to pause your property-buying process and calm your 'Just buy lah!' spirit down a little.

Why? Because recently, there's a sudden hike of land tax under the conversion from quit rent to parcel rent. The change from quit to parcel shocked a lot of people and we know you might be just one of them. According to The Star, the drastic increase that residents are seeing is between 500% to *800% from the previous amount. The change was made last year on June 2018 to help unit owners who want to sell or transfer ownership of the property. Before this, any owner who wants to sell or transfer ownership has a hard time to do if records at land office showed the other property owners still haven't paid their rent. With the new rent system, the said process should be easier.

So, have some teh tarik and give this article a read, because what follows is a brief guide to quit rent and parcel rent: two very important concepts that you should know before buying any type of property in Malaysia!


What is quit rent?

It may seem like a rather unusual term at first, but quit rent is actually one of the most common and fundamental systems in Malaysia's property scene.

Referred to as 'cukai tanah' in Malay, quit rent is the payment that owners of local properties make to the Malaysian government through the Land Office — or Pejabat Tanah Dan Galian (PTG).

This payment is calculated by multiplying the size of an owned property in square-feet or square-metres by a specified rental rate. For instance, if your property covers an area of 3000 square feet, and the specified rate is RM0.040 per-square-foot, your quit rent would be RM120.

The quit rent for properties that are of the exact same size may not necessarily be the same across Malaysia, though. This is because the specified rate differs from one state to another, so a 2500 square-foot home in Penang can be cheaper or more expensive than an identical unit in Kedah.

Additionally, and ironically, you can't quit paying this rent either. It is charged annually, so you will need to pay your quit rent every year until you transfer the ownership of your property to someone else.

And what is parcel rent?

Here's a fun fact! The relationship between parcel rent and quit rent is just like the one between Neslo and Mocha. They are essentially the same drink but are still different due to small variations.

In the case of parcel rent and quit rent, those small variations would refer to one main thing: strata.

To put it simply, parcel rent is actually a type of quit rent that is specifically meant for strata properties which are governed by the Strata Management Act (SMA) 2013 and the Strata Titles Act (STA) 1985.

What are the strata properties? These are properties or developments that are organised by splitting a piece of land or a building into parcels or boxes.

Popular forms of this class of properties include apartments, townhouses and gated housing communities. Ever been to Desa Park City? That's an example of a massive strata development!

Each parcel is owned by the party that purchases it from the developer, while common areas like parks or a swimming pool are recognised as general parcels which belong to the developer.

Here's why parcel rent is more expensive than quit rent

"Eh? Not so different what. No need to stress lah!"

If that's what you're thinking, you might want to think again — because there's definitely more than meets the eye when it comes to these concepts, especially when you're dealing with high-rise and multilevel buildings like apartments and condominiums.

With quit-rent, the payment for an apartment building is divided between all the owners of parcels or units in that building. For example, if apartment Block A consists of 10 vertically-arranged parcels and covers an area of 4000 square feet, the quit-rent of RM200 for that building — given a rate of RM0.05 per-square-foot — would be split amongst these parcels and each parcel owner would pay RM20 a year as quit-rent.

In the context of a parcel rent system, however, each parcel owner would have to pay for that 4000 square-feet and would be required to make individual payments of RM200 annually.

This would mean that each owner has to pay a higher amount than in a quit-rent environment, but it also allows the Land Office to keep tabs on individual parcel owners and prevent them from defaulting on their rent payments, which is a very severe problem in high-rise buildings.

So why should I care?

Duh, of course lah you need to care, not paying your rent payments could lead you being chased out of your own house. Can you imagine that? Spending years paying your house loan just to be kicked out because of a tax. Refusing to pay your rent payments after two notices will result in the unit being taken back by the state government and can be sell/auction to another buyer.

So, please take note, especially for starters, when purchasing property, it is always important to know and understand the kind of rent you'll have to pay — particularly when you have to make these payments repeatedly for years, which would affect your finances.

It's also good to know how this rent is calculated, as Land Offices across Malaysia have begun implementing parcel rent systems throughout the country, and the lines between strata and non-strata properties continue to grow unclear. As such, you wouldn't want to be confused by a sudden change in your rent payment amount!

Last but not least? Regardless of whether it's a simple quit rent system or a parcel rent system, you can't avoid these payments. So why not prepare yourself for them instead?

Source: loanstreet

www.mqbusinesswealth.com
... Read moreHide

6 days ago

Quit Rent & Parcel Rent: Heres What You Need to Know Before Buying a House

Are you a Malaysian whos planning to purchase property for the very first time (Congratulations!), but havent heard of quit rent or parcel rent before?

If youre nodding in response to this question, you might want to pause your property-buying process and calm your Just buy lah! spirit down a little.

Why? Because recently, theres a sudden hike of land tax under the conversion from quit rent to parcel rent. The change from quit to parcel shocked a lot of people and we know you might be just one of them. According to The Star, the drastic increase that residents are seeing is between 500% to *800% from the previous amount. The change was made last year on June 2018 to help unit owners who want to sell or transfer ownership of the property. Before this, any owner who wants to sell or transfer ownership has a hard time to do if records at land office showed the other property owners still havent paid their rent. With the new rent system, the said process should be easier. 

So, have some teh tarik and give this article a read, because what follows is a brief guide to quit rent and parcel rent: two very important concepts that you should know before buying any type of property in Malaysia!
 

What is quit rent?

It may seem like a rather unusual term at first, but quit rent is actually one of the most common and fundamental systems in Malaysias property scene.

Referred to as cukai tanah in Malay, quit rent is the payment that owners of local properties make to the Malaysian government through the Land Office — or Pejabat Tanah Dan Galian (PTG).

This payment is calculated by multiplying the size of an owned property in square-feet or square-metres by a specified rental rate. For instance, if your property covers an area of 3000 square feet, and the specified rate is RM0.040 per-square-foot, your quit rent would be RM120.

The quit rent for properties that are of the exact same size may not necessarily be the same across Malaysia, though. This is because the specified rate differs from one state to another, so a 2500 square-foot home in Penang can be cheaper or more expensive than an identical unit in Kedah.

Additionally, and ironically, you cant quit paying this rent either. It is charged annually, so you will need to pay your quit rent every year until you transfer the ownership of your property to someone else.

And what is parcel rent?

Heres a fun fact! The relationship between parcel rent and quit rent is just like the one between Neslo and Mocha. They are essentially the same drink but are still different due to small variations.

In the case of parcel rent and quit rent, those small variations would refer to one main thing: strata.

To put it simply, parcel rent is actually a type of quit rent that is specifically meant for strata properties which are governed by the Strata Management Act (SMA) 2013 and the Strata Titles Act (STA) 1985.

What are the strata properties? These are properties or developments that are organised by splitting a piece of land or a building into parcels or boxes. 

Popular forms of this class of properties include apartments, townhouses and gated housing communities. Ever been to Desa Park City? Thats an example of a massive strata development!

Each parcel is owned by the party that purchases it from the developer, while common areas like parks or a swimming pool are recognised as general parcels which belong to the developer. 
 
Heres why parcel rent is more expensive than quit rent

Eh? Not so different what. No need to stress lah!

If thats what youre thinking, you might want to think again — because theres definitely more than meets the eye when it comes to these concepts, especially when youre dealing with high-rise and multilevel buildings like apartments and condominiums.

With quit-rent, the payment for an apartment building is divided between all the owners of parcels or units in that building. For example, if apartment Block A consists of 10 vertically-arranged parcels and covers an area of 4000 square feet, the quit-rent of RM200 for that building — given a rate of RM0.05 per-square-foot — would be split amongst these parcels and each parcel owner would pay RM20 a year as quit-rent.

In the context of a parcel rent system, however, each parcel owner would have to pay for that 4000 square-feet and would be required to make individual payments of RM200 annually. 

This would mean that each owner has to pay a higher amount than in a quit-rent environment, but it also allows the Land Office to keep tabs on individual parcel owners and prevent them from defaulting on their rent payments, which is a very severe problem in high-rise buildings.

So why should I care?

Duh, of course lah you need to care, not paying your rent payments could lead you being chased out of your own house. Can you imagine that? Spending years paying your house loan just to be kicked out because of a tax. Refusing to pay your rent payments after two notices will result in the unit being taken back by the state government and can be sell/auction to another buyer. 

So, please take note, especially for starters, when purchasing property, it is always important to know and understand the kind of rent youll have to pay — particularly when you have to make these payments repeatedly for years, which would affect your finances.

Its also good to know how this rent is calculated, as Land Offices across Malaysia have begun implementing parcel rent systems throughout the country, and the lines between strata and non-strata properties continue to grow unclear. As such, you wouldnt want to be confused by a sudden change in your rent payment amount!

Last but not least? Regardless of whether its a simple quit rent system or a parcel rent system, you cant avoid these payments. So why not prepare yourself for them instead?

Source: loanstreet

www.mqbusinesswealth.com

Selamat Hari Raya Aidilfitri! Wishing you and family a warm and blessed Aidilfitri, showered with love and happiness, with laughters and joy! 🎈🎉☘ ... Read moreHide

2 weeks ago

Selamat Hari Raya Aidilfitri! Wishing you and family a warm and blessed Aidilfitri, showered with love and happiness, with laughters and joy! 🎈🎉☘

6 Tips to Avoid From Being Cheated When Applying for a Personal Financing

Almost everyone knows that personal financing is one of the popular choices among Malaysians to finance for their home and vehicle purchase deposit. This can be proven based on social media and acquaintances who shared that they use personal finance money to get married, help parents, home improvement or to start a business. It has become a trend when it comes to getting small and fast approval funding.

The problem with this is that there are some loan agents/officers who are taking advantage of those who are in desperate need of money by making an unreasonable offer, giving false info and so on. You can see a lot of personal financing advertisements on Facebook that do not make sense targeted at those who are desperate and want fast financing.

So, to prevent many people from becoming victims of personal financing fraud, we have tips that you can use when you want to apply for personal financing.

1. Do not be fooled by unreasonable offers

To attract borrowers, some companies offer 'attractive' deals such as interest-free financing or lower-interest financing which sounds way better than the benefits offered by the private finance companies and conventional banks.

Even worse, some also offer personal financing to CTOS or CCRIS blacklisted borrowers! For your information, if you are blacklisted by CTOS or CCRIS, no licensed bank or loan company will approve your personal financing application. Who wants to provide financing to those who have problems with repayment anyway? Even if they do, it will come at a high price.

For example, a personal financing application from Yayasan Ihsan Rakyat (YIR) or Yayasan Dewan Perniagaan Melayu Perlis Berhad (YYP) will NOT be approved if you have an outstanding credit balance of more than RM45,000 or those who are blacklisted on CTOS or CCRIS.

These are some of the tactics that are widely used among personal finance frauds and if you find yourself struggling to obtain financing from the conventional banks, it’s advisable to avoid applying for personal financing from any suspicious companies, as you are at risk of being deceived.

2. Do not forget to do your own due diligence

Before applying for personal financing, we advise you to do some research about the type of personal financing that you need and the options available out there. All you have to do is to surf the net and ask your friends or family members who have made the loan that you want. If you need more accurate information, contact the company directly to avoid misunderstanding and not get caught up with the agents/officers' sweet-talking.

Some of the things that you need to know are like loan eligibility, interest rates, repayment terms, required documents and funding approval periods.

3. Please make sure of the amount of financing that is required
As a borrower, the most important thing to make sure is the amount of funding required to avoid any problems in the future such as long repayment terms with mind-boggling interest rates!

You need to calculate and review the Debt Service Ratio (DSR) on the number n of deductions in the payroll statement after deducting the total revenue. It's a set of rules for government employees and statutory bodies to make sure that your DSR is within 50 - 60%.

Some agents/officers will try to persuade you to get the maximum amount of funding. For example, if you want to apply for RM10,000 personal financing and you are offered a maximum of RM13,000, you can still opt to apply for RM10,000. Avoid being influenced by their persuasive plea and always refer back to the Product Disclosure Sheet (PDS) and FAQ to prevent yourself from getting stuck with unnecessary financing predicament.

For instance, if you're applying personal financing from Yayasan Ihsan Rakyat (YIR) or Yayasan Dewan Perniagaan Melayu Perlis Berhad (YYP) via its agent/officer and he/she is making such suggestion, do refer back to the refer PDS for both YIR and YYP and their FAQs so that you're more well informed. Such information is publicly available via their website.

4. Understand and pay close attention to the loan application process

Once you are satisfied with the amount offered and having gone through PDS, the agent/officer will send your application to a personal financing company for review. Take note that there might be other charges like processing charges which some agents/officers do not share, so this is something that you have to ask and be aware when applying through an agent/officer.

Other charges include processing fees (cost of the application process) and stamp duty (payment to Inland Revenue Board of Malaysia (IRBM)). Both of these charges are depending on the personal financing companies and not all charge both of these charges.

So carefully read every document and PDS provided by the company or agent and go through the processes such as credit research, employer and customer verification. Make sure the information you and your company provide is true and valid to prevent your personal financing application being denied.

5. Avoid borrowing from an unlicensed personal agent or financing company

More often than not, most people fall for personal financing fraud because they do not check the status of the company allegedly providing personal loan services. To avoid the same things happening to you, you should check the status of the personal financing company of your choice.

It's important that the agent/officer contacting you for personal financing claims to be the agent/officer of the financing company. Contact the company through the registered telephone number on the website and ask whether the personal financing company has appointed an agent/officer to deal with you.

6. You shouldn’t make any payment to get financing

One of the fraud’s modus operandi that's related to personal financing is to ask their victims to deposit some amount of money for certain costs. In fact, some agents even requested the borrower to deposit money into different bank accounts before ‘releasing’ the loan to the borrower in order to ‘process’ the loan.

In fact, there are few who pretended to be the agents/officers of the leading personal financing company, bank officers, Bank Negara Malaysia (BNM) officials and also members of the Royal Malaysian Police (PDRM) for the following purposes:

☘️To request a personal financing deposit before missing in action.
☘️ To request personal information such as bank account information and credit card before applying for a personal loan. This technique is known as 'spoofing'.

If you are dealing with the party that's requesting payment before the loan is granted, it's advisable not to proceed with the personal financing application of the company and immediately inform/highlight to the financier directly. For YIR and YYP, you may write to pertanyaan@yir.com.my and pertanyaan@yyp.com.my to log your complaint and to prevent other innocent customers from falling prey or being cheated by these unethical parties.

Be a wise borrower and consumer!

As discussed earlier, you are strongly encouraged to ask questions and keep asking until the information you need is sufficient to make the right decision. Failure to realise your rights can cause irresponsible parties to take advantage of you.

You are also advised to carefully understand and read the documents before signing it to avoid any unwanted predicaments. If there are any doubts and suspicions, please express your thoughts without hesitation.

As a responsible Malaysian citizen, if you know individuals who apply for personal financing from a dubious party, share this article with them to avoid becoming one of the victims of fraud.

If you work with a government body or GLCs, do know that you can get exclusive financial assistance from the Yayasan Ihsan Rakyat (YIR) or Yayasan Dewan Perniagaan Melayu Perlis Berhad (YYP) for faster approval - within 2 working days. In addition, they also offer profit rates as low as 6.50% - 9.99 per annum depending on your credit scoring like the criteria required such as your payment history on loans and credit cards, total debt and the amount owed and length of credit history.

Source: loanstreet

www.mqbusinesswealth.com
... Read moreHide

2 weeks ago

6 Tips to Avoid From Being Cheated When Applying for a Personal Financing

Almost everyone knows that personal financing is one of the popular choices among Malaysians to finance for their home and vehicle purchase deposit. This can be proven based on social media and acquaintances who shared that they use personal finance money to get married, help parents, home improvement or to start a business. It has become a trend when it comes to getting small and fast approval funding.

The problem with this is that there are some loan agents/officers who are taking advantage of those who are in desperate need of money by making an unreasonable offer, giving false info and so on. You can see a lot of personal financing advertisements on Facebook that do not make sense targeted at those who are desperate and want fast financing.

So, to prevent many people from becoming victims of personal financing fraud, we have tips that you can use when you want to apply for personal financing.

1. Do not be fooled by unreasonable offers

To attract borrowers, some companies offer attractive deals such as interest-free financing or lower-interest financing which sounds way better than the benefits offered by the private finance companies and conventional banks.

Even worse, some also offer personal financing to CTOS or CCRIS blacklisted borrowers! For your information, if you are blacklisted by CTOS or CCRIS, no licensed bank or loan company will approve your personal financing application. Who wants to provide financing to those who have problems with repayment anyway? Even if they do, it will come at a high price.

For example, a personal financing application from Yayasan Ihsan Rakyat (YIR) or Yayasan Dewan Perniagaan Melayu Perlis Berhad (YYP) will NOT be approved if you have an outstanding credit balance of more than RM45,000 or those who are blacklisted on CTOS or CCRIS.

These are some of the tactics that are widely used among personal finance frauds and if you find yourself struggling to obtain financing from the conventional banks, it’s advisable to avoid applying for personal financing from any suspicious companies, as you are at risk of being deceived.

2.  Do not forget to do your own due diligence

Before applying for personal financing, we advise you to do some research about the type of personal financing that you need and the options available out there. All you have to do is to surf the net and ask your friends or family members who have made the loan that you want. If you need more accurate information, contact the company directly to avoid misunderstanding and not get caught up with the agents/officers sweet-talking.

Some of the things that you need to know are like loan eligibility, interest rates, repayment terms, required documents and funding approval periods.

3. Please make sure of the amount of financing that is required
As a borrower, the most important thing to make sure is the amount of funding required to avoid any problems in the future such as long repayment terms with mind-boggling interest rates!

You need to calculate and review the Debt Service Ratio (DSR) on the number n of deductions in the payroll statement after deducting the total revenue. Its a set of rules for government employees and statutory bodies to make sure that your DSR is within 50 - 60%.

Some agents/officers will try to persuade you to get the maximum amount of funding. For example, if you want to apply for RM10,000 personal financing and you are offered a maximum of RM13,000, you can still opt to apply for RM10,000. Avoid being influenced by their persuasive plea and always refer back to the Product Disclosure Sheet (PDS) and FAQ to prevent yourself from getting stuck with unnecessary financing predicament.

For instance, if youre applying personal financing from  Yayasan Ihsan Rakyat (YIR)  or Yayasan Dewan Perniagaan Melayu Perlis Berhad (YYP) via its agent/officer and he/she is making such suggestion, do refer back to the refer PDS for both YIR and YYP and their FAQs so that youre more well informed. Such information is publicly available via their website.

4. Understand and pay close attention to the loan application process

Once you are satisfied with the amount offered and having gone through PDS, the agent/officer will send your application to a personal financing company for review. Take note that there might be other charges like processing charges which some agents/officers do not share, so this is something that you have to ask and be aware when applying through an agent/officer.

Other charges include processing fees (cost of the application process) and stamp duty (payment to Inland Revenue Board of Malaysia (IRBM)). Both of these charges are depending on the personal financing companies and not all charge both of these charges.

So carefully read every document and PDS provided by the company or agent and go through the processes such as credit research, employer and customer verification. Make sure the information you and your company provide is true and valid to prevent your personal financing application being denied.

5. Avoid borrowing from an unlicensed personal agent or financing company

More often than not, most people fall for personal financing fraud because they do not check the status of the company allegedly providing personal loan services. To avoid the same things happening to you, you should check the status of the personal financing company of your choice.

Its important that the agent/officer contacting you for personal financing claims to be the agent/officer of the financing company. Contact the company through the registered telephone number on the website and ask whether the personal financing company has appointed an agent/officer to deal with you.

6. You shouldn’t make any payment to get financing

One of the fraud’s modus operandi thats related to personal financing is to ask their victims to deposit some amount of money for certain costs. In fact, some agents even requested the borrower to deposit money into different bank accounts before ‘releasing’ the loan to the borrower in order to ‘process’ the loan. 

In fact, there are few who pretended to be the agents/officers of the leading personal financing company, bank officers, Bank Negara Malaysia (BNM) officials and also members of the Royal Malaysian Police (PDRM) for the following purposes:

☘️To request a personal financing deposit before missing in action.
☘️ To request personal information such as bank account information and credit card before applying for a personal loan. This technique is known as spoofing.

If you are dealing with the party thats requesting payment before the loan is granted, its advisable not to proceed with the personal financing application of the company and immediately inform/highlight to the financier directly. For YIR and YYP, you may write to  pertanyaan@yir.com.my and pertanyaan@yyp.com.my to log your complaint and to prevent other innocent customers from falling prey or being cheated by these unethical parties.

Be a wise borrower and consumer!

As discussed earlier, you are strongly encouraged to ask questions and keep asking until the information you need is sufficient to make the right decision. Failure to realise your rights can cause irresponsible parties to take advantage of you.

You are also advised to carefully understand and read the documents before signing it to avoid any unwanted predicaments. If there are any doubts and suspicions, please express your thoughts without hesitation.

As a responsible Malaysian citizen, if you know individuals who apply for personal financing from a dubious party, share this article with them to avoid becoming one of the victims of fraud.

If you work with a government body or GLCs, do know that you can get exclusive financial assistance from the Yayasan Ihsan Rakyat (YIR) or Yayasan Dewan Perniagaan Melayu Perlis Berhad (YYP) for faster approval - within 2 working days. In addition, they also offer profit rates as low as 6.50% - 9.99 per annum depending on your credit scoring like the criteria required such as your payment history on loans and credit cards, total debt and the amount owed and length of credit history.

Source: loanstreet

www.mqbusinesswealth.com

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