RCE - Yayasan

== Product Features ==
* Location: Whole Malaysia (Sabah & Sarawak - Commission less 1%)
* Interest Rate:
** Permanent-Work > 3 years & salary above RM3800.00 : 4.99%
** Permanent-Work < 3 years & salary below than RM3800.00 : 5.99%
** Contract & Work > 1 year: 7.88% (Kontrak Bersambung)
* Payout:
** Permanent: 92% - RM20
** Contract: 87% - RM20
* Tenure: 1 to 22 years
* Financing Amount: RM1,000 to RM250,000
* Salary: RM800 and above
* Yuran: RM20 per month
* Age: 18 years old and above
* Expired Facility: 60 years old
* Blacklist (CTOS): RM25,000
* Payslip Expiry Date: 30th of the month
* Settlement Letter Expiry Date: At least 14 working days

== Document List ==
# Senarai Semakan Bagi Permohonan
# Borang Permohonan Pembiayaan Tunai Syariah Page 1 - 2
# Borang YYP03
# Surat Waad untuk Pembeli
# Surat Perlantikan Wakil
# Surat Kebenaran Pembayaran
# Notis Serah Hak
# Akuan Berkanun
# Perjanjian Jualan Komoditi
# BPA
# Surat Pengesahan Majikan


== Payslip Expiry Date ==
Payslip will expire every 30th of the subsequent month.

== 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 Pemangku
* Elaun Tanggungan
* Elaun Jahitan
* Elaun Warden
* gaji bersih bawal rm500 lepas ptg baru (project)
* gaji bersih bawal rm900 (normal)
(This list will be updated from time to time)

== Target Market ==

== Non Target Market ==
* koley vokasional tanjung puteri johor (project case only)
* kementerian pertahanan                (project case only)
* hospital attendant

== Factor ==
{| class="wikitable" style="text-align:center"
! YEARS !! MONTH !! FACTOR 5.99% !! FACTOR 4.99%
|-
! 1
| 12 || 11.10 || 11.21
|-
! 2
| 24 || 21.01 || 21.39
|-
! 3
| 36 || 29.92 || 30.70
|-
! 4
| 48 || 37.96 || 39.23
|-
! 5
| 60 || 45.27 || 47.08
|-
! 6
| 72 || 51.93 || 54.32
|-
! 7
| 84 || 58.02 || 61.03
|-
! 8
| 96 || 63.63 || 67.27
|-
! 9
| 108 || 68.79 || 73.07
|-
! 10
| 120 || 73.58 || 78.48
|-
! 11
| 132 || 78.01 || 83.55
|-
! 12
| 144 || 82.14 || 88.30
|-
! 13
| 156 || 85.98 || 92.76
|-
! 14
| 168 || 89.58 || 96.97
|-
! 15
| 180 || 92.95 || 100.93
|-
! 16
| 192 || 96.12 || 104.67
|-
! 17
| 204 || 99.09 || 108.21
|-
! 18
| 216 || 101.90 || 111.56
|-
! 19
| 228 || 104.55 || 114.74
|-
! 20
| 240 || 107.05 || 117.76
|-
! 21
| 252 || 109.42 || 120.64
|-
! 22
| 264 || 111.67 || 123.38
|}

* Available Deduction = (Salary x 60%) - Deduction at Payslip + Redemption (settlement)
* Loan Eligible = Available Deduction x Factor
* In Hand (Permanent) = Loan Eligible x 92% - RM20
* In Hand (Contract) = Loan Eligible x 87% - RM20

== Calculation Sheet & Repayment Table ==
[[Media:RCE-CEF.xls]]

[[Media:RCE-RT.xls]]