MBSB - XChange-i
From Internal
Contents |
Product Features
- Area Covered: East Malaysia and West Malaysia
- Package Validity : 6th January 2012 - 31st December 2012
- Interest Rate:
- With Banca Takaful : 4.30% - minimum deduction for BANCA TAKAFUL is RM650(13 months) - to be renew every year by customer
- Without Banca Takaful : 4.50%
- Payout: 97.5% - 1 month installment - RM650(with BANCA TAKAFUL)- RM434(Incidental charges include ARB RM350)
- 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
- Customer must overlap at least 1 settlement, but not from MBSB. The settlement amount must be at least RM30,000. If customer has more than 1 account, the total accumulated amount must be more than RM30,000. Minimum loan amount must be RM100,000, any amount less than that can be considered on a case-to-case basis (require MBSB special approval)
- 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.
- MBSB Agreement
- BPA - 1 copy
- Photocopy of IC (disahkan majikan) - 2 copies
- Payslip original - 1 copy
- Payslip photocopy (disahkan majikan)(3 copies) for 3 months
- Pengesahan Jawatan
- Bank Account copy (disahkan majikan)
- Borang Amanahraya
- Borang Wasiat (Please provide photocopy of Kad Wasiat if customer inform he/she already has an account with amanahraya)
- Borang Temanku
- Settlement statement
- Opsyen Letter
Target Market
- Same target market as Vaganza
Non Target Market
- Pos Malaysia
- Perbadanan Labuan
