“Your bank might’ve secretly extended your housing loan – without telling you.”
What you get for RM99
AI Mortgage Status Check
We’ll analyze your actual mortgage data to reveal:
- How much total interest you’re expected to pay
- How long it will take to fully pay off your loan
- Whether your loan tenure has been extended without you noticing
- Whether you’re mostly paying interest or principal each month
- Opportunities to cut years off your loan with smarter payment strategy
DIY Online Workshop
A guided session to help you:
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Understand every section of your bank statement
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Learn how to calculate your actual mortgage balance and cost
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Discover your “Profit and Loss”
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Avoid 20 costly mortgage traps
→ Result: Total confidence in managing your own mortgage.
🛑 Post-Moratorium Surprise:
Many borrowers don’t realise that their bank quietly added 6–12 months to their loan — increasing total interest without increasing your monthly payments.
👉 Our system will check this for you automatically.
Why Most Malaysians Overpay on Their Mortgage
80% of your early payments go to interest
Long loan tenure = more to the bank, less for your future
Banks won’t teach you to pay less — but we will.
Who Is SmartMortgage99 For?
- Homeowners with existing mortgages
- Borrowers who never study bank statements
- You — if you want to take control of your debt
Bonus note:
No finance background needed. No jargon.
What Our Users Say
“I thought I was managing my loan well… turns out I could save RM242,000 just by adjusting my strategy!”
— Amir, PJ
“Oh My God! My loan got extended for 10 months! This is the most value I’ve gotten for RM99.”
— Mira, JB
“The DIY workshop helped me understand my loan statement for the first time. I didn’t realize so much of my monthly payment was just interest! I should’ve learned to calculate it myself earlier.”
— Miss Tan, 29, First-time Homebuyer
“I thought since I’ve paid for years, my loan should almost be done. But after learning to read my statement, I realized most of it was still going to interest! This workshop saved me from overpaying in silence.”
— Mr. Lim, 52, Business Owner
Get Started Now!
Step 1:
Make an online transfer of RM99 to the following bank account:
Yayasan Teknologi Pengurusan Hartanah Sedunia
RHB 20122200048002
Step 2:
Click the WhatsApp link below to submit your payment slip and kickstart the process:
SmartMortgage99
(RM99 only)
1.One Time Mortgage Status Analysis worth RM199
2.Online Workshop worth RM399
*Optional Add-On:*
1 to 1 Zoom Consultation: RM199
Frequently Asked Questions
I’m not good with numbers — can I still benefit?
Yes! The workshop is designed for everyday homeowners — no financial background needed. Everything is explained step-by-step, in simple language.
How accurate is the AI mortgage check?
We use tested actuarial science technology based on your real loan figures and current bank formulas. It’s not a guess — it’s a data-backed analysis you can act on.
What if my loan is already running for years?
That’s exactly why you need this — the longer you’ve paid, the more interest you’ve already given away. It’s never too late to restructure smartly.
Is this for refinance only?
No. We don’t recommend refinance.
It works for:
First-time homeowners
People planning to refinance
People who’ve had a loan for 5–10 years and want to accelerate repayment
RM99… is it really worth it?
RM99 is less than 1 day’s interest on most mortgages. This brings you 100% clarity of your 6- 7 figure loan amount, it’s the best RM99 you’ll ever spend.
I don’t know how to read my bank statement.
That’s exactly what the DIY workshop teaches. You’ll be guided step-by-step – no jargon, just clarity
My loan is already on auto debit – what’s the issue?
Auto-debit doesn’t mean your loan is on track. Many people unknowingly pay longer – and more – due to silent extensions. (Real Case happened in 2025)
Can I just ask my banker?
Bankers rarely tell you if your tenure has extended. We don’t sell loans – we just tell you the truth based on your data.
Will this affect my current loan or bank process?
The AI check and DIY workshop are fully educational — they don’t interfere with your loan. But they give you the insights and truth.