Yayasan Ihsan Rakyat -YIR
From Internal
Contents |
Product Features
- Location: Whole Malaysia
- Tenure: 1 - 10 years
- Age: 20 years old and above
- For more details, pls click below:
- Criteria : Media:YIR-criteria-new1.pdf
Rate Segment
SEGMENT WL 5.99%
A-AG,PDRM,UPM & UITM ;for KEMAS (must be PERMANENT CONTRACT 2yrs Renew)
- Service Period :6 months and above
- Status : Permanent
- Tenure : 1 - 10 years
- Age : 20 to 58 years
- Age (PDRM) : 20 to 55 years
- Payout : 87.5%
- Adv Instalment: 1 Month
- Financing Amount WM: RM3,000 to RM250,000(West Malaysia)
- Financing Amount EM: RM2,500 to RM250,000 (East Malaysia)
- Salary : RM1,500 and above
- Ctos: below RM30K can submit.
SEGMENT U1 8.33%
A-AG,PDRM,UPM & UITM ;for KEMAS (must be PERMANENT CONTRACT 2yrs Renew)
- Service Period :6 months and above
- Status : Permanent
- Tenure : 1 - 10 years
- Age : 20 to 58 years
- Age (PDRM) : 20 to 55 years
- Payout : 78.5%
- Adv Instalment: 1 Month
- Financing Amount WM: RM3,000 to RM250,000(West Malaysia)
- Financing Amount EM: RM2,500 to RM250,000 (East Malaysia)
- Salary : RM1,500 and above
- Ctos: below RM30K can submit.
SEGMENT U2 9.99%
A-AG,PDRM,UPM & UITM ;for KEMAS (must be PERMANENT CONTRACT 2yrs Renew)
- Service Period :6 months and above
- Status : Permanent
- Tenure : 1 - 10 years
- Age : 20 to 58 years
- Age (PDRM) : 20 to 55 years
- Payout : 74.5%
- Adv Instalment: 1 Month
- Financing Amount WM: RM3,000 to RM150,000(West Malaysia)
- Financing Amount EM: RM2,500 to RM150,000 (East Malaysia)
- Salary : RM1,500 and above
- Ctos: below RM30K can submit.
SEGMENT U3 9.99%
A-AG,PDRM,UPM & UITM ;for KEMAS (must be PERMANENT CONTRACT 2yrs Renew)
- Service Period :6 months and above
- Status : Permanent
- Tenure : 1 - 10 years
- Age : 20 to 58 years
- Age (PDRM) : 20 to 55 years
- Payout : 69.5%
- Adv Instalment: 1 Month
- Financing Amount WM: RM3,000 to RM150,000(West Malaysia)
- Financing Amount EM: RM2,500 to RM150,000 (East Malaysia)
- Salary : RM1,500 and above
- Ctos: below RM30K can submit.
SEGMENT NC 7.77%
for majikan KEMAS only (must be PERMANENT CONTRACT 2yrs Renew)
- Service Period :6 months and above
- Status : Permanent
- Tenure : 1 - 7 years
- Age : 20 to 35 years
- Payout : 85.0%
- Adv Instalment: 1 Month
- Financing Amount WM: RM3,000 to RM20,000(West Malaysia)
- Financing Amount EM: RM2,500 to RM20,000 (East Malaysia)
- Salary : RM1,500 and above
- Ctos: below RM30K can submit.
Document List
- YIR SOFT COPY FORMS:
- Media:yir-New-forms.pdf-NEW VERSION MAY 2023
- Media:yir-froms.pdf -OLD VERSION
Certified True Copy Required:
- Identification Card
- Police or Army Identification Card
- Recent 3 Months Payslips
- Certified True Copy Not Required
- Recent Bank Statement (Salary Account / Account To Receive Financing)
- Salary Deduction Authorisation Letter YIR10-i / BPA 1/79 Form
- Employment Verification Letter
- Option Letter (If applicable)
- Transfer Letter (If applicable)
- Settlement Statement (If applicable)
- Borang T228 with cop ori employer (2pcs) for KERAJAAN NEGERI SARAWAK payslip
- CONTOH ISI BORANG YIR
- please click : File:Contoh-YIR.pdf
Accepted and Rejected List
Media:TM-and-NonTM-listing.zip -list lama
Calculation Sheet & Repayment Table
Special Note
- It has come to RCE's attention, complaint from customers regarding their signature is being forged! This is a REMINDER! if there is still a customer whose complaint ,RCE will IMMEDIATE TERMINATED the MO'S and LEGAL ACTION will be taken against the agent involved.
- We are pleased to inform you that the new guideline for customer submitting additional applications has been revised as follows with immediate effect:
EXISTING -Customers may only submit their next application once the first collection from BPA has been received by RCE. NEW -Customers may submit their next application once the deduction has been reflected in AG's or BPA's system.
- With effect from 02.11.2015, please be informed that filling of all the particulars in the YIR & YYP application forms, PEN BASAH (Black ink ) is to be used. Please use 0.7 or 1.0 size of pen.
- Example: Media:YIR.pdf
- Jika mahu buat 2nd loan, pastikan potongan 1ST loan sudah ada dalam payslip.
- Gaji Bersih :RM900.00
- Opsyen Bersara untuk POLIS :55 tahun sahaja walaupun majikan beri 60 tahun
- Opsyen Bersara untuk AG :58 tahun sahaja walaupun majikan beri 60 tahun
- Amount exceeding RM100K, will be considered on a case-to-case basis (up to RM150K).
OLD SEGMENT PACKAGE
SEGMENT WA 5.99%
A-AG, PDRM, UPM & UITM
- Service Period :6 months and above
- Status : Permanent
- Tenure : 1 - 10 years
- Age : 20 to 58 years
- Age (PDRM) : 20 to 55 years
- Payout : 89%
- Adv Instalment: 1 Month
- Financing Amount WM: RM3,000 to RM150,000(West Malaysia)
- Financing Amount EM: RM2,500 to RM150,000 (East Malaysia)
- Salary : RM1,500 and above
- Ctos: below RM30K can submit.
SEGMENT OV HALO 6.50% -INVALID
A-AG, PDRM, UPM & UITM
- Service Period :6 months and above
- Status : Permanent
- Tenure : 1 - 10 years
- Age : 20 to 58 years
- Age (PDRM) : 20 to 55 years
- Payout : 90%
- Adv Instalment: 1 Month
- Financing Amount WM: RM3,000 to RM150,000(West Malaysia)
- Financing Amount EM: RM2,500 to RM150,000 (East Malaysia)
- Salary : RM1,500 and above
- Ctos: below RM30K can submit.
SEGMENT I1 6.99% -INVALID
A-AG, PDRM, UPM & UITM
- Service Period :6 months and above
- Status : Permanent
- Tenure : 1 - 10 years
- Age : 20 to 58 years
- Age (PDRM) : 20 to 55 years
- Payout : 85%
- Adv Instalment: 1 Month
- Financing Amount WM: RM3,000 to RM150,000(West Malaysia)
- Financing Amount EM: RM2,500 to RM150,000 (East Malaysia)
- Salary : RM1,500 and above
- Ctos: below RM30K can submit.
SEGMENT I7 7.99% -INVALID
A-AG, PDRM, UPM & UITM
- Service Period :6 months and above
- Status : Permanent
- Tenure : 1 - 10 years
- Age : 20 to 58 years
- Age (PDRM) : 20 to 55 years
- Payout : 80%
- Adv Instalment: 1 Month
- Financing Amount WM: RM3,000 to RM150,000(West Malaysia)
- Financing Amount EM: RM2,500 to RM150,000 (East Malaysia)
- Salary : RM1,500 and above
- Ctos: below RM30K can submit.
SEGMENT I8 8.99%
A-AG, PDRM, UPM & UITM
- Service Period :6 months and above
- Status : Permanent
- Tenure : 1 - 10 years
- Age : 20 to 58 years
- Age (PDRM) : 20 to 55 years
- Payout : 79%
- Adv Instalment: 1 Month
- Financing Amount WM: RM3,000 to RM150,000(West Malaysia)
- Financing Amount EM: RM2,500 to RM150,000 (East Malaysia)
- Salary : RM1,500 and above
- Ctos: below RM30K can submit.
SEGMENT I3 9.99%
A-AG, PDRM, UPM & UITM
- Service Period :6 months and above
- Status : Permanent
- Tenure : 1 - 10 years
- Age : 20 to 58 years
- Age (PDRM) : 20 to 55 years
- Payout : 78%
- Adv Instalment: 1 Month
- Financing Amount WM: RM3,000 to RM150,000(West Malaysia)
- Financing Amount EM: RM2,500 to RM150,000 (East Malaysia)
- Salary : RM1,500 and above
- Ctos: below RM30K can submit.
SEGMENT I4 9.99%
A-AG, PDRM, UPM & UITM
- Service Period :6 months and above
- Status : Permanent
- Tenure : 1 - 10 years
- Age : 20 to 58 years
- Age (PDRM) : 20 to 55 years
- Payout : 75%
- Adv Instalment: 1 Month
- Financing Amount WM: RM3,000 to RM150,000(West Malaysia)
- Financing Amount EM: RM2,500 to RM150,000 (East Malaysia)
- Salary : RM1,500 and above
- Ctos: below RM30K can submit.
SEGMENT GU PRESS 7.99%
A-AG, PDRM, UPM & UITM
- Service Period :6 months and above
- Status : Permanent
- Tenure : 1 - 10 years
- Age : 20 to 58 years
- Age (PDRM) : 20 to 55 years
- Payout : 81%
- Adv Instalment: 3 Months
- Financing Amount WM: RM3,000 to RM150,000(West Malaysia)
- Financing Amount EM: RM2,500 to RM150,000 (East Malaysia)
- Salary : RM1,500 and above
- Ctos: below RM30K can submit.
SEGMENT GV PRESS 8.99%
A-AG, PDRM, UPM & UITM
- Service Period :6 months and above
- Status : Permanent
- Tenure : 1 - 10 years
- Age : 20 to 58 years
- Age (PDRM) : 20 to 55 years
- Payout : 80%
- Adv Instalment: 3 Months
- Financing Amount WM: RM3,000 to RM150,000(West Malaysia)
- Financing Amount EM: RM2,500 to RM150,000 (East Malaysia)
- Salary : RM1,500 and above
- Ctos: below RM30K can submit.
SEGMENT GW PRESS 9.99%
A-AG, PDRM, UPM & UITM
- Service Period :6 months and above
- Status : Permanent
- Tenure : 1 - 10 years
- Age : 20 to 58 years
- Age (PDRM) : 20 to 55 years
- Payout : 75%
- Adv Instalment: 3 Months
- Financing Amount WM: RM3,000 to RM100,000(West Malaysia)
- Financing Amount EM: RM2,500 to RM100,000 (East Malaysia)
- Salary : RM1,500 and above
- Ctos: below RM30K can submit.
