Formal Letter

Subramaniam A/L Mathupaiyan No.22, Jlan Keruing 10, Taman Rinting, 81750 Masai, Johor. _______________________________________________________________________ _ The Manager, CIMB Bank Berhad No.13A, Pusat Perdagangan, Jalan Bandar, 81700 Pasir Gudang, Johor. 04 JUN 2009 Dear Sir, Requesting For Reducing The Housing Loan The above matter refer. I Subramaniam A/L Mathupaiyan IC NO. 610526-05-5347 hereby ask for reducing our housing loan that we pay every month. I would like to decrease the amount that we pay due to some problems that I have. Since last year, I was paid RM 1400.00 every month and the amount was increased to RM1574. 00 on April. So, I am pleased to inform you that I was had some problems to repay the loan. I can’t be able to pay the amount properly last two months. I have to borrowed the money from my relations to repay the loan. Besides, I also had three children who are studying in primary and secondary schools. By paying the housing loan I cannot afford to pay their tuition fees. Due to this problem I can’t send my children to any other tuition and their studies were affected. As a father I also cannot be able to pay the transportation fees for my children.Furthermore, I also have to cancelled my childrens insurance by paying the housing loan. In the other hand, I also had a difficulty to pay the water and electrical bill in my home. Besides I also had apply for internet connection for my children studies. Every month I have to pay RM 500.00 for the bills settlement.Sometimes it can be cost more than RM500.00.We also cannot be able to save some money for our future. Although I am working in Singapore, my but salary was not enough for my family monthly expenditure. Recently, we had a new problems in my house which became the main cause of reducing housing loan. My mother was a kidney failure patient. Hence, she has to go for dialysis every week. It will cost RM170.00 per day. My mother is going to

from last month. She has to go 3 days for dialysis in a week. So, overall it cost RM. 2100.00 per month. Finally, I hope that you will know how much difficulty I have to passing through to repay our loan which is RM 225,000.00. I also hope that you will consider uor requesting and reducing our housing loan as far as possible. Thank You. Your Faithfully, ________________ ( Subramaniam A/L Mathupaiyan)

Poongkunran A/L Ramasamy No.55. Jalan Geharu 6, Taman Rinting, 81750 Masai, Johor _______________________________________________________________________ _ The Manager, RHB Islamic Bank. 04 JUN 2009 Dear Sir, Requesting For Reducing The Housing Loan The above matter refer. I Poongkunran A/L Ramasamy IC NO. 7202221-01-5173 hereby ask for reducing our housing loan that we pay every month. I would like to decrease the amount that we pay due to some problems that I have. Since last two year, I was paid RM 1140.00 every month. So, I am pleased to inform you that I was had some problems to repay the loan. I can’t be able to pay the amount properly last two months. I have to borrowed the money from my relations to repay the loan. Besides, I also had three children who are studying in primary. By paying the housing loan I cannot afford to pay their tuition fees. Due to this problem I can’t send my children to any other tuition and their studies were affected. As a father I also cannot be able to pay the transportation fees for my children.Furthermore, I also have to cancelled my childrens insurance by paying the housing loan. In the other hand, I also had a difficulty to pay the water and electrical bill in my home. Besides I also had applied for the internet connection for my children studies. Every month I have to pay RM 500.00 for the bills settlement.Sometimes it can be cost more than RM500.00. I also cannot be able to save some money for our future. Besides, I also does not have enough salary for my family and my expenditure. Moreover, I was bought a new Perdua Viva on January. I also have to repay the car

loan every month. It will cost about RM 580.00 per month. I can’t able pay the loan every month properly. Finally, I hope that you will understand my situation and how much difficulty I have to pass through to repay my loan. I also hope that you will reduce our housing loan as fast as possible. Thank You Your faithfully, ____________________ ( Poongkunran A/L Ramasamy)