MBSB - NJOI RAYA-Temporary Package

From Internal

Contents 1 Product Features 2 Special Requirement 3 Refund Of Redemption Statement Charges 4 Payslip Expiry Date 5 Allowances 6 Document List 7 Target Market 8 Non Target Market

Product Features

• Area Covered: East Malaysia and West Malaysia
• Package Validity :Julai 2012 - to be advised
• Interest Rate:
  • With Banca Takaful : 4.30%
• Payout: 97.5% - 1 month installment - RM650(with BANCA TAKAFUL)- RM434(Incidental charges include ARB RM350)- RM250(Astro charge if take Astro- 1 time charges)
• Tenure: Min 5 years - Max 20 years
• Financing Amount: RM50,000 to RM200,000
• Salary: RM700 and above only
• Age: 19 years and above
• Expired Facility: 60 years old(opsyen letter)
• Tat: 7 working days
• Yuran: Waived
• CTOS: RM20,000 and below (Please provide settlement statement if customer wishes to settle)

Special Requirement

• If customer has existing account with MBSB, they may apply for this package as a second account. However,customer are not eligible to apply if customer has an existing WASLAH account.

Refund Of Redemption Statement Charges

• Charges on Redemption Statement(RS) Imposed by other banks - RM50.00 per RS; up to 5 RS per application(reimbursement basis)

***Important : Redemption Statement must reflect a rebate amount from existing financier

Payslip Expiry Date

Payslip will expire every 20th. Example:

• February payslip will expire on the 20th April.
• March payslip will expire on the 20th May

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)

Document List

**Please note that from 1st January 2012, MBSB will only accept new forms.Please get new copies of the applications from our office. Thank You.

1. MBSB Agreement
2. BPA - 1 copy
3. Photocopy of IC (disahkan majikan) - 2 copies
4. Payslip original - 1 copy
5. Payslip photocopy (disahkan majikan)(3 copies) for 3 months
6. Pengesahan Jawatan
7. Bank Account copy (disahkan majikan)
8. Borang Amanahraya
9. Borang Wasiat (Please provide photocopy of Kad Wasiat if customer inform he/she already has an account with amanahraya)
10. Borang Temanku
11. Settlement statement
12. Opsyen Letter
13. Astro Form

Target Market

• Same target market as Vaganza

Non Target Market

• Pos Malaysia
• Perbadanan Labuan