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Property 10X Masterclass 1: Loan Secrets

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Discover proven strategies that expert investors secretly use to get their home loans approved with high success rate.

Course Title:

Property 10X Masterclass Part 1: Loan Secrets


Learn proven strategies and trade secrets used by successful investors on how to get your home loan approved.

What You Will Learn:


Allen Teh, Dentistry Student

“Before I joined this course, I didn’t know that a student could buy a property. I had a dream to buy my own property but people keep telling me that first I don’t have enough money, and my loan can’t get approved. Thank God I met Dr. Ivan, and now I’ve really bought a property. This is a zero down deal, meaning I didn’t have to fork out any money (downpayment). The best part is I have a cash out of RM26,000 and cash flow of RM150 per month.”


No requirements needed. Suitable for beginners.


Looking to buy a property, but worried about whether you can get your loan approved?

This value-packed course has everything you need to know about property loans, including unconventional trade secrets used by expert investors, that will take a beginner with zero experience to an above average property investor in just a few hours.

The powerful strategies delivered in this course has been streamlined by the trainer in simple and clear actionable steps, that anyone can follow, even if you have no financial background.

These aren’t textbook learnings, but straightforward and practical strategies that you can take action on immediately to increase your loan approval success rate.

More than that, you’ll have a deeper understanding on the different types of debt, and how you can restructure your debt to ensure you are growing your wealth towards financial independence.

This course is Part 1 of the Property 10X Masterclass series. The complete series consists of three parts including Part 2: Ultimate Property Research Engine and Part 3: Godfather Negotiation Strategies.

Who This Course Is For:

Your Trainer:

Dr. Ivan Kok, Property Speaker, Coach and Founder of Wealth Momentum
Dr. Ivan is the Founder and Managing Director of Wealth Momentum. He’s a Property Speaker, Coach, Entrepreneur and a Medical Doctor.

He has had the privilege over the years to work with hundreds of aspiring property investors, service various high-level clients, and has been featured on StarProperty, Nan Yang Siang Pau, Asian Property Review, and Swee Heng Tee Property Expo, to name a few.

Dr. Ivan had a strong start in his own personal investment journey. Driven by a passion in real estate, in his first two years of property investment journey, he managed to accumulate 20 properties worth more than 10 million.

He achieved these results in such a short period because he had successfully formulated a simple and powerful strategy that was proven to work, which he then replicated again and again. With his experience and these successes under his belt, he later developed his own property investment program.

He has now guided and coached more than hundreds of property investors, especially beginners to secure Grade A properties over and over again by using the strategy he has formulated.

Today Dr. Ivan is dedicated to inspire and empower more people in achieving greater results in their life through property investment.


“After attending the class, I not only got knowledge but I also get to know what is the correct mindset an investor should have. So this is beyond what I expected”


Chin Yung Seng, Engineer

“I cashed out RM81,000 which is massive cash out for a beginner investor like me. On top of that… I am receiving a positive cash flow of about RM140 per month. This was because of the fact that I managed to negotiate about 28% below the initial selling price. I think the first step (in anything) is always acquiring knowledge before you can execute something perfectly. So therefore, I would recommend everyone to join this program.”


Shazmeer Jafaar, Marketer

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Loan Secrets Part 1


Watch this to get a quick overview on what practical learnings you're about to get from this course.

Fixed income vs Variable income

Here you'll learn about what the key differences between fixed income and variable income are, and how this affects your loan approval. 

How the bank assesses your loan ability

Get to know exactly how the bank assesses you on on your loan ability behind-the-scenes, including important formulas like Debt Service Ratio and others.

How much loan can you get? (Fixed income earners)

Learn the step-by-step formula to find out how much loan you can get, and then exactly what property value you can buy based on your loan.

Loan Secrets Part 2


What's in store in this section? Find out from Dr. Ivan what challenges do variable income earners face and how to overcome them in loan applications.

How much loan can you get (Variable income earners)

Don't play the guessing game. Here's how you can calculate the amount of loan you can get from the bank if you're a variable income earner.

How to increase your loan ability (Variable income earners)

Learn practical tips on how you can increase the amount of loan you are eligible for, even if you're a self-employed or business owner.

Loan Application

What banks look at before they approve your loan

Did you know banks print out and evaluate your financial report card before they decide to approve your loan? Here's what they look at.

Where to get your CCRIS

Now that you know what a CCRIS is, here is a step-by-step run through of where and how you can get a copy of it.

Documents for loan application

Preparation is key! Here are the list of documents you'll need for your loan application for employees, self-employed and companies.

Debt Restructuring


What is rich debt vs poor debt? And find out why the way you manage your debt determines whether you grow wealthy or continue to struggle financially.

Rich debt vs Poor debt

Is there such a thing as good debt? What is the cheapest loan available in the market? Discover the different types of debt and how they affect your overall wealth.

Reducing balance vs flat rate loans

Understand the two categories of debt, and what interest rates you are paying for each debt. You'll never be fooled by the bank again.

Unlocking cash out from your property loan

Learn the strategy of how investors unlock cash from their property loans, and why this is what makes property investment so attractive.

Debt restructuring strategies 1

Learn practical debt restructuring strategies you can take action on immediately to improve your financial standing.

Zero downpayment and cash out strategy

Learn the secret strategy that smart investors use to purchase properties with no downpayment paid, and even get cash out from.

Debt restructuring strategies 2

A continuation of Part 1, Dr. Ivan continues on his list of debt restructuring strategies you can take action on straightaway.

BONUS: 21 Trade Secrets


Dr. Ivan shares on what you can expect from his 21 trade secrets, and how knowing these can turn around your current property loan situation.

Property loan trade secrets 1 – 11

Discover the first 11 trade secrets related to your income, savings and EPF that you won't find on google or anywhere else. 

Property loan trade secrets 12 – 16

Learn about the next four crucial trade secrets which involve your CCRIS, variable income and DSR that you should pay attention to.

Property loan trade secrets 17 – 21

Learn more practical trade secrets on how you can improve your loan ability and loan approval success rate that most people are unaware of.

Questions for the trainer

How to ask the trainer a question

Still have questions on how to go about your property loan? Send them via a message to your trainer and he'll get back to you on it.