Perdanajaya - Bank Rakyat

From Internal

Contents 1 Product Features 2 Target Market 3 Opsyen Calculation 4 Expiry Date of Payslip 5 Document Listing 6 Factor Perdanajaya 5.55% - 94%

Product Features

• Location : Whole Malaysia
• Employment Status : 6 months and above
• Interest Rate: 5.55%
• Payout: 94% - RM400
• Finance: Min RM2,000 to RM200,000
• Salary : No minimum amount
• Age : 18 years and above
• Expired Facility : 58 years old (with opsyen letter)
• Tenure: 20 Years
• Koop Charges: RM400
• TAT: 1 month
• Yuran: RM30
• Settlement: Valid before 2 weeks
• CTOS:
  • Blacklist up to RM30,000 are accepted.
  • Blacklist above RM30,000 can be considered on case by case basis.

Target Market

• All government employee
• Some Jabatan/GLC/Bhd/Sdn Bhd employee(Please refer to mss system > Department Report.

Opsyen Calculation

• Expired Facility in opsyen 58 years old.
  • Example : 2011 - 1965 = 46
  • Take 58 - 1 year - 46 = 11 years.
  • This customer is eligible for 11 years only.

Expiry Date of Payslip

Document Listing

1. Perdanajaya Agreement (Page1-22)
2. BPA - 1 copy
3. Photocopy of IC (front and back copy in 1 page) - 3 copies
4. Birth Certificate (for police) - 1 copy
5. Payslip original (latest) - 1 copy
6. Payslip photocopy (disahkan majikan)(3 months) - 3 copies
7. Pengesahan Majikan
8. Bank Account copy - 1 copy
9. Settlement statement (if any)
10. Opsyen Letter (if any)

Factor Perdanajaya 5.55% - 94%

Years	Month	Factor
2	24	21.17
3	36	30.24
4	48	38.48
5	60	46.02
6	72	52.92
7	84	59.26
8	96	65.13
9	108	70.55
10	120	75.59
11	132	80.29
12	144	84.67
13	156	88.77
14	168	92.59
15	180	96.20
16	192	99.60
17	204	102.83
18	216	105.82
19	228	108.70
20	240	111.42

• LOAN ELIGIBLE = DEDUCTION – RM30 x FACTOR
• IN HAND = LOAN ELIGIBLE x 94% - RM400