Lowyat.NET: Latest topics by Masayoshi Kahiro

Perodua Special Deal, insiders only

Masayoshi Kahiro — Tue, 09 May 2017 17:04:42 +0800

*Special Deal with Christopher only*

🚙🚗🚙🚗🚙🚗🚙🚗🚙

*RM1000* commission for referring customers (if customer no request extra discounts/free gifts)

*RM1000* extra discount from official discount if buy for your own

(T&C : All models applicable except Axia 1.0 E manual, Bezza 1.0 G Auto & Manual)

*Ingat Perodua Ingat Christopher Seow*
*Ingat Christopher Seow Ingat Perodua*

Christopher Seow
Perodua Klang Valley
0129209862

All about Generate extra income in a proper manner

Masayoshi Kahiro — Sat, 06 May 2017 02:37:38 +0800

Hi Guys, setting up this topic to actually ask in forum how you guys generate extra income other than your daily job?

Hope you all can share here and we all can learn and discuss thank you for your kind advices.

Regards
Chris

All Car Brand free loan documents checking

Masayoshi Kahiro — Thu, 04 May 2017 10:30:32 +0800

🚗🚙 Monthly Promotion 🚙🚗

Good day, I have created a *group for promotion update* month by month for *new car all Brands*

If you are interested or making any decision on buying car. You may click the link below to join us! Thanks

https://chat.whatsapp.com/KQbKSPipWPtGy5QK38KZ6I

🚗🚙🚗🚙🚗🚙🚗🚙🚗

*Free Documentation Checking*
~ Whether your current documents can apply loan?
~ Whether your current documents can apply what car?
~ Whether your current status able to apply loan?

*Details Needed :*
Basic Salary : ?
Net Income : ?
Total Commitment : ?

*Can I Apply loan if...*
1.) High Commitment
2.) Ctos problems
3.) Ccris problems
4.) No guarantor
5.) Graduate (Diploma, Degree, Master Degree and etc.)
6.) Sole proprietorship
7.) Partnership
8.) Sdn Bhd

*If right now I can't buy car, how do I buy car in future...*
1.) How to improve documentation?
2.) How to make proper documentation?
3.) How to calculate your income : commitment you can take?

*Chris Seow*
*Loan Advisor*
*0129209862*

How to strengthen my documents for loan?

Masayoshi Kahiro — Tue, 02 May 2017 18:21:00 +0800

Hi, I'm Chris. According to recent my customers keep asking on how to get car loan, personal with their current documents this and that. I decide to create this topic to discuss on how to actually apply car loan more efficiently before we approach to any dealership for application.

Why? Because too much application at 1 time will make a bad record in bank system for future loan application.

First thing first
Self Documentation Checking
~ Whether your current documents can apply loan?
~ Whether your current documents can apply what car?
~ Whether your current status able to apply loan?

*Details Needed to check :*
Basic Salary : ?
Net Income : ?
Total Commitment : ?

*Can I Apply loan if...*
1.) High Commitment : Yes
2.) Ctos problems : Yes but depends
3.) Ccris problems : Depends
4.) No guarantor : Yes
5.) Graduate (Diploma, Degree, Master Degree and etc.) : Yes
6.) Sole proprietorship : Yes
7.) Partnership : Yes
8.) Sdn Bhd : Yes
9.) Freelance : No

1. What type of commitment you have right now and at the same time if you have credit card, how much % of total usage it has been used.

2. Certain bank like Maybank they don't see p1, digi, maxis, welcome but however ctos car / motor loan will affect

3. For Car loan, Ccris as long as not car ccris, and ccris not more than 2, you may apply.

4. Bank Rakyat and certain bank you can apply if you don't have a guarantor but your wages are strong. Some terms and conditions may apply sometimes.

5. Yes. Bank Islam offer graduate scheme for student as long as you've received your offer letter from your company. Make sure ptptn paid every month.

6. SSM must more than 2 years and 6 months bank statements can apply. Subject to monthly turnover and what model you want to apply. Owner income = total money debit x 10-20% depending on bank policy.

7. Same also SSM must more than 2 years, monthly turnover are divided by number of partners. Owner income = (total money debit x 10-20% depending on bank policy) / number of partners

8. Form 9, form 24, form 42 ++ M&A , company resolution, director ic to proceed loan. Of course 6 months bank statement as well.

9. No, need to apply ssm, make good current accounts, declare income tax then can do loan.

*If right now I can't buy car, how do I buy car in future...*
1.) How to improve documentation?
If you're under ssm, please deposit as much as possible, no fail I meant NO FAIL to deposit money into your current account

2.) How to make proper documentation?
Have you declared income tax? Documents aren't strong is ok, provided your income tax declaration high and fixed deposits can help in your loan scoring

3.) How to calculate your income : commitment you can take?
Total net income x 33% = commitment figure for your car loan application.

New edited - Guidelines from bank
Maybank : requires EPF & SOCSO deduction for individual application.

Ambank : Minimum salary RM3,000

Bank Rakyat : No license can do, as long as you're working in Sdn bhd, salary above RM2k. Note must be confirmed staff more than 6 months.

Bank Islam : Love to use this, for GRADUATES. with your certificate and offer letter you can get a loan. Guess what, higher basic you have, higher loan you can get!

If you have any question can PM direct or discuss on here. Thanks everyone

Regards
Chris

Year 2017 all Brand discount + special discounts

Masayoshi Kahiro — Wed, 05 Apr 2017 08:19:04 +0800

PERODUA PROMOTION

Axia All - 0

Alza (mt) std S__0
Alza (At) Std S__1300
Alza SE__0
Alza AV__0

Myvi 1.3 G__0
1.5 (Mt) SE__3800
1.5 (At) SE__3900
1.5 (At) AV__2200

Bezza 1.0__0
1.3 Premium__1500
1.3 Advance__1500

PROTON PROMOTION (2016/2017)

New SAGA 1.3
STD_3K/1.5K or 5yrs service
Exe_3K/1.5K or 5yrs service
Pre_3K/1.5K or 5yrs service

Saga PLUS__5000

New PERSONA 1.6
STD_3K/1.5K or 5yrs service
Exe_3K/1.5K or 5yrs service
Pre_3K/1.5K or 5yrs service

IRIZ
1.3 STD cvt_10%/1.5K or 5yrs service
1.3 Exe cvt_10%1.5K or 5yrs service
1.6 Exe cvt_0
1.6 Pre cvt_6200

PREVE 1.6
Exe__6k/2k or 5yrs service
Pre__6k/2k or 5yrs service

SUPRIMA 1.6
STD__8K/2K OR 5yrs service
Pre__8k/2k or 5yrs service

EXORA 1.6
STD__6K
EXE__6K/1.5K or 5yrs service

ERTIGA 1.4
EXE__1.5k Or 5yrs srevice
Exe plus__6k/2k or 5 yrs service

Toyota April 2017 Promotion Rebate:

Vios (All Variant) 2017 Stock
Option 1 : 3 years Free Service (worth RM1910) plus Rebate RM3K
Option 2 : Promo Rebate RM4K

Hilux 2.8G & 2.4G D/Cab AT /MT
2017 Stock ~ Promo Rebate RM4K

Camry (all Variant)
2016 Stock ~ Promo Rebate RM10K
2017 Stock ~ Promo Rebate RM5K

Altis (All Variant)
2017 Stock ~ Promo Rebate RM3K plus value package worth RM5,790

Avanza (All Variant)
2017 Stock ~ Promo Rebate RM2K

Sienta (All Variant) 2017 stock
Option 1 : 3 years Free Service (worth RM1940) plus Rebate RM3K
Option 2 : Promo Rebate RM4K

Fortuner (All Variant)
2017 Stock ~ Promo Rebate RM3K

Innova FMC (All Variant)
2017 Stock ~ Promo Rebate RM3K

Alphard 3.5
2017 Stock ~ 5 years Free Service worth RM4,600

Vellfire 2.5
2017 Stock ~ 5 years Free Service worth RM3,900

📢📢📢 5 years Warranty with unlimited Mileage

Ford All Model @ April 2017

Ford EcoSport
EcoSport 1.5l Trend (2016) @ Rm7k
✔Black(1) / C. Red(4)
EcoSport 1.5l Titanium (2016) @ Rm7k
✔M. Red(1) / Black(1)

Ford Fiesta
Fiesta 1.5 Sport (2016) @ Rm7k
✔Black(2) / M. Sky(3)
Fiesta 1.0 EcoBoost (2016) @ Rm14k
✔Black(6) / W. Blue(4)

Ford Focus
Focus 1.5l EcoBoost Sport Trend (2016) @ Rm17.5k
✔Black / White
Focus 1.5l EcoBoost Sport Trend [Limited Edition] (2016) @ Rm15k
✔Red Candy(14)
Focus 1.5l EcoBoost Sport + (2016) @ Rm12k
✔Black / White
Focus 1.5l EcoBoost Titanium + (2016) @ Rm12k
✔Ingot Silver(8) / F. White / M. Grey

Ford Mondeo & Ford S-Max
All-New Mondeo (2015) @ Rm25k
✔T. Silver(2) / F. White(4) / M. Silver(5)
All-New S-MAX (2015) @ Rm30k
✔Moondust Silver(2)
All-New S-MAX (2016) @ Rm5k
✔F. White(4) / M. Silver(3) / M. Grey(2)

2016 Year Make
*Ranger FL 2.2l XL (MT) 2016 @ Rm4k
✔White Only
*Ranger FL 3.2l XLT (AT) 2016 @ Rm6k
Ranger FL 3.2l Wildtrak (AT) 2016 @ Rm4k
Ranger FL 3.2l WT [Limited Black] 2016 @ Rm4k

2017 Year Make
Ranger FL 2.2 XL S.Cab (MT) 2017 @ Rm1k
Ranger FL 2.2 XL (MT) 2017 @ Rm2.5k
Ranger FL 2.2l XLT (MT) 2017 @ Rm4k
Ranger FL 2.2l XLT (AT) 2017 @ Rm4k
*Ranger FL 3.2 XLT (MT) 2017 @ No Stock*
Ranger FL 3.2 XLT (AT) 2017 @ Rm2.5k

Ford Everest
All-New EVEREST 2.2 Trend (2015) @ Rm35k
✔A. Metallic(7)

Ford Transit (New Model)
Transit 2.2 Panel Van (2015) @ Rm20k
Transit 2.2l Window Van (2015) @ Rm15k
Transit 2.2 Window Van (2016) @ Rm5k

Ford Mustang

Mustang 5.0l GT V8 (2016) @ Rm20k
✔A. Black(1), M.Grey(1), Blue(1)

Above are the discounts, special discounts / free gifts applied when booking. Welcome to discuss together how to :
1. Process your loan?
2. Properly documentation for current loan and future loan?
3. Answer banker verification?
4. Do Full Loan?
5. Do over loan?
6. One individual name apply more than 1 car?

Please Email / PM
Chris
Klang Valley Sales
Chrisdefurcar@gmail.com

School Van Promotion

Masayoshi Kahiro — Sat, 04 Feb 2017 11:26:38 +0800

*LOAN SPECIALIST*
SCHOOL OR TOUR VAN 🚌🚐🚍

*NO DOCUMENTS*
*DOCUMENTS NOT STRONG*

As long as YOUR NAME
*NO CCRIS*
*NO CTOS*
*NO BLACKLIST*

*NO LICENSE CAN APPLY* borrow license from others as reference only

*FULL LOAN* applicable

Charges vary from RM1200-RM3200

We will STRIVE for *YOUR LOAN APPROVED*

Notice : We are providing *BANK LOAN ONLY*

Van (Petrol) : 14 seaters
1 student : RM200 (minimum in Klang Valley)
Morning session : RM2800
Afternoon session : RM2800
Not included tuition and excess children fetching.

You can calculate your PROFIT after your instalment.

Masayoshi

Toyota Full Loan

Masayoshi Kahiro — Wed, 18 Jan 2017 17:48:38 +0800

Toyota Sales

SALES EVERY MONTH

MASAYOSHI

TOYOTA INNOVA

FEEL FREE TO SEE ALL OTHER MODELS WITH US.
BELOW IS THE LATEST PRICE LIST FOR TOYOTA MODELS.

ANYTHING REGARDING ON CAR, LOAN APPLICATION, PLEASE PM US THANK YOU.

MASAYOSHI
PERODUA SALES
KLANG VALLEY

Honda Full Loan

Masayoshi Kahiro — Wed, 18 Jan 2017 12:15:39 +0800

HONDA SALES

SALES EVERY MONTH

MASAYOSHI

HONDA BR-V

FEEL FREE TO SEE ALL OTHER MODELS WITH US.
BELOW IS THE LATEST PRICE LIST FOR HONDA MODELS.

ANYTHING REGARDING ON CAR, LOAN APPLICATION, PLEASE PM US THANK YOU.

MASAYOSHI
PERODUA SALES
KLANG VALLEY

Proton Full Loan

Masayoshi Kahiro — Tue, 17 Jan 2017 18:45:43 +0800

PROTON SALES

SALES EVERY MONTH

MASAYOSHI

PROTON ERTIGA 1.4 VVT ECO ENGINE

FEEL FREE TO SEE ALL OTHER MODELS WITH US.
BELOW IS THE LATEST PRICE LIST FOR PROTON MODELS.

ANYTHING REGARDING ON CAR, LOAN APPLICATION, PLEASE PM US THANK YOU.

MASAYOSHI
PERODUA SALES
KLANG VALLEY

Ford Full Loan

Masayoshi Kahiro — Tue, 17 Jan 2017 18:32:53 +0800

Ford Sales

SALES EVERY MONTH

MASAYOSHI

FORD RANGER YEAR 2016 WHILE STOCK LAST X2

YEAR 2017 FORD RANGER PRICE GOING TO BE INCREASE. DON'T WAIT ANYMORE, PURCHASE NOW!!!

OTHER FORD MODELS ARE ALSO DOING OFFERS!!!

PLEASE PM FOR MORE INFORMATION AND DISCOUNTS!!!

MASAYOSHI
FORD SALES
KLANG VALLEY

Online Car Roadshow

Masayoshi Kahiro — Tue, 17 Jan 2017 09:20:26 +0800

WELCOME TO ONLINE CAR ROADSHOW
WE'RE OPEN 365 DAYS A YEAR

IF YOU'RE LOOKING FOR GREAT DEALS, HIGHEST DISCOUNTS OR BEST FREE GIFTS, THIS IS THE PLACE YOU SHOULD COME AND SEE

PERODUA
PROTON
HONDA
TOYOTA
NISSAN
MAZDA

DISCOUNT FROM RM1000 TO RM10000
FREE GIFT FROM HIGH QUALITY UMBRELLA TO HIGH QUALITY CAMCORDER OR VCOOL TINTED

SHOWROOM NATIONWIDE

EXAMPLE :
PERODUA WE HAVE
1.) KEPONG
2.) SRI DAMANSARA
3.) PETALING JAYA SS2
4.) P.J. NEW TOWN
5.) PORT KLANG
6.) KLANG
7.) KOTA DAMANSARA
8.) KUALA SELANGOR

FOR PERODUA WE HAVE NATIONWIDE DELIVERY
FOR PROTON WE HAVE KLANG VALLEY DELIVERY

IF YOU HAVE DOCUMENT ISSUES, DON'T WORRY WE HAVE A SPECIAL TEAM TO GUIDE YOU TILL YOUR LOAN APPLICATION COMPLETED.

ALSO FOR MORE DISCOUNTS and FREEBIES

SO WHAT ARE YOU WAITING FOR? PM US NOW FOR MORE INQUIRY

MASAYOSHI
CAR SALES AND LOAN ADVISOR

What our body needs?

Masayoshi Kahiro — Sun, 15 Jan 2017 16:53:51 +0800

Still remember previous post that we talked about food pyramid.

Looking into the diagram seeing what food to eat is easier, have we thought about whether we're eating right?

Let us see this diagram today.

Human body divided into : (Adult)
1.) Water : 60%
2.) Protein : 18%
3.) Good Fat : 16%
4.) Vitamins + Minerals + Fibre : 6%
5.) Carbohydrates : <1%

Today are we eating enough? How much protein we ate today? How much water we drank today?

Anyways, today this world there are whole lot of supplements in the market, what should we choose? Which supplement are good for us? Man or woman supplement?

Today we're going to breakdown generally what a person needs, man nor woman, kids nor elderly. We're not talking about brands of supplement, we will be focus on what type of supplement your body need.

In drugstore we often can get protein powder, vitamin C, vitamin B Complex, Omega 3, Omega 6, Vitamin D, Vitamin E, Calcium, Magnesium, Beta Carotene, Multi Carotene, Iron, Zinc, and etc. Too much to mention. Question is how do we know whether what we need and how much we need?

When you buy supplement, you can follow the bottle label RDI/RDA meaning that how much you need it daily. This link can show you guys how much you all need for all types of vitamins and mineral you need per day.
https://en.wikipedia.org/wiki/Reference_Daily_Intake

Anyway, if your budget enough, I would recommend you to follow Optimum Daily Allowance (ODA), why? Simple, RDA gives you what you need per day to help you go through entire day for your energy and stuff, ODA gives you prevention and achieve OPTIMUM HEALTHY LEVEL.

Lastly, the most most most most IMPORTANT MESSAGE to you all, supplements all are important, lack of any also will be bad for health. Can you imagine a car you drive but you don't add fuel? Driving down hill you don't put in your brake? That's the answer of all the above.

Perodua Full Loan

Masayoshi Kahiro — Sun, 15 Jan 2017 10:22:30 +0800

***PERODUA SALES***

SALES EVERY MONTH

MASAYOSHI

LATEST NEWS IN PERODUA
LAUNCHING NEW FACE LIFT OF PERODUA AXIA
NEW PRICE LIST
AXIA 1.0
E (M) : RM24900
G (M) : RM34900
G (A) : RM36900
SE (M) : RM37900
SE (A) : RM39900
AV (A) : RM42900

THE REST PERODUA MODEL AS TIME BEING ARE STILL REMAIN THE SAME PRICE UNTIL FURTHER NOTICE.

LATEST PRICELIST UPDATE

ANYTHING REGARDING ON CAR, LOAN APPLICATION, PLEASE PM US THANK YOU.

MASAYOSHI
PERODUA SALES
KLANG VALLEY