MBSB - XChange-i

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== Product Features == * Area Covered: East Malaysia and West Malaysia * Package Validity : 6th January 2012 - 31st December 2012 * Interest Rate: ** With Banca Takaful : <b>4.30%</b> - minimum deduction for BANCA TAKAFUL is RM650(13 months) - to be renew every year by customer ** Without Banca Takaful : <b>4.50%</b> * 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 == Calculation Sheet & Repayment Table == [[Media:MBSBWASLAH-CEF4.30.xls]] [[Media:MBSBWASLAH-CEF4.50.xls]] [[Media:MBSBWASLAH-RT4.30.xls]] [[Media:MBSBWASLAH-RT4.50.xls]]

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