Ikhtiar - KFH
From Internal
Contents |
Pre Sales checking
- To assist in speeding up the process, just email us at coshare@msssb.com for Pre Sales Checking. Attached together the following documents:
- Customer's I/C (front & back)
- Pay Slip (latest)
- Agreement Form - Page 1 & 2-
- Option Letter for customer over 55 years. (if necessary)
- Redemption Settlement (RS) for Overlap Case (if necessary)
- We will inform you within 4-5 working days on the eligibility.Once you have obtained the approval,
you have to submit the complete full set of documents to us to process for submission.
Product Features
- Location: WEST MALAYSIA ONLY
- Interest Rate
- 2 to 5 years: 5.99%
- 6 to 10 years: 3.99%
- Payout: 97%- 1 month installment
- Employment Status:
- Work for at least 1 year
- Tenure: 2 to 20 years
- Finance: Min RM2,000 to RM150000
- Salary: RM2000 and above only
- Age: 18 years and above
- Expired Facility: 60 years old (with Option letter)
- Yuran: Waived
- Blacklist: RM25,000 and below (More than RM25,000 - REJECT)
- CCRIS: MIA not more then 2 months
- TAT: 2 - 3 weeks
Special Requirement
- For customers who make a second loan, it is compulsory to overlap the first loan and must attach a new BPA and confirmation letter.
Target Market
- AG Federal
- State Government
- All Majlis (Majlis Kerajaan Negeri)
- Yayasan
- Lembaga
- Government Universities
- PDRM - 50% (Untuk 60% perlu surat kebenaran 60% dari majikan)
- JAWATAN PERGAWAL KESELAMATAN- REJECT
- JAWATAN TUKANG- CASE BY CASE
- JAWATAN PRA ( ACCEPT KERJA 3 TAHUN KEATAS)
- JAWATAN POSMAN -REJECT
Nama Agensi Dibenarkan
- Pejabat Tanah Kota Setar
- DBKL
- NIOSH
- Jabatan Hal Ehwal Agama Islam Kedah
- Kumpulan Wang Persaraan
- Perbadanan Perpustakaan Negeri Kedah Dan Terengganu
- Dewan Bahasa & Pustaka
- Perpustakaan Negara
- Fama
- Perbadanan Putrajaya
- Tourism Malaysia (TDC)
- Kementerian Kebudayaan Kerajaan Negeri/ Istana Budaya
- Perbadanan Bioteknologi Malaysia, Melaka
- MARA (kecuali staff kenderaan bas MARA)
- Universiti Kebangsaan Malaysia (Pengesahan oleh Unit: Pn Jamilah/En Nizam)
- Unimap
- Universiti Pertahanan Nasional
- Unisel - Universiti Industri Selangor
- Majlis Daerah Pendang (Kelayakan 50%)
Organisasi Tidak Dibenarkan
- Majlis Sukan Negara
- Majlis Perbandaran Manjung
- Majlis Bandaraya Melaka Bersejarah
- Semua Kakitangan 'IMG' DBKL, Majlis Daerah dan Tempatan.
- Semua Jabatan GLC (Contoh:Telekom, TNB dan POS)
Document List
- Ikhtiar Agreement (Page 1 - 5)
- Surat Pengesahan Cop Jari + Alamat
- BPA - 2 copies
- Photocopy of IC (disahkan majikan) - 2 copies
- Payslip original - 1 copy (if available)
- Payslip photocopy (disahkan majikan)(3 copies) for 3 months
- Pengesahan Jawatan
- Bank Account copy
- Settlement statement (if any)
- Opsyen Letter (if any)
- Utility Bil
Allowances
Accepted List
Fixed Allowance
- Imbuhan Tetap Perkhidmatan Awam
- Imbuhan Perumahan
- Bantuan Sara Hidup
- Elaun Keraian
Case by Case Basis
- Elaun BI Wilayah
- Elaun Motosikal
- Elaun Menyelam
- Elaun Post Basik
- Elaun Penguat Kuasa
Rejected List
- Elaun Lebih Masa (OT)
- Imbuhan Tahunan (Bonus)
- Tunggakan (Arrears)
- Elaun Memangku
- Elaun Tanggungan
- Elaun Jahitan
- Elaun Warden
(This list will be updated from time to time)
Factor Ikhtiar - KFH 4.99% / 5.99% - 100%
| YEARS | MONTH | RATE | FACTOR |
|---|---|---|---|
| 2 | 24 | 5.99% | 19.26 |
| 3 | 36 | 5.99% | 28.25 |
| 4 | 48 | 5.99% | 36.38 |
| 5 | 60 | 5.99% | 43.75 |
| 6 | 72 | 4.99% | 52.81 |
| 7 | 84 | 4.99% | 59.58 |
| 8 | 96 | 4.99% | 65.86 |
| 9 | 108 | 4.99% | 71.71 |
| 10 | 120 | 4.99% | 77.18 |
| 11 | 132 | 4.99% | 82.28 |
| 12 | 144 | 4.99% | 87.08 |
| 13 | 156 | 4.99% | 91.58 |
| 14 | 168 | 4.99% | 95.81 |
| 15 | 180 | 4.99% | 99.81 |
| 16 | 192 | 4.99% | 103.58 |
| 17 | 204 | 4.99% | 107.15 |
| 18 | 216 | 4.99% | 110.53 |
| 19 | 228 | 4.99% | 113.74 |
| 20 | 240 | 4.99% | 116.78 |
- Available Deduction = (Salary x 60%) - Deduction at Payslip + Redemption (settlement)
- Loan Eligible = Available Deduction x Factor
- In Hand = Loan Eligible x 100%
