RHB - PENCEN

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== Product Features == * Location: Whole Malaysia * Interest Rate:5.00% * Payout: Loan Amount - RM80 - Takaful (refer calculation below) * Tenure: 3 to 10 years * Max Age at end of tenure: 70 years old * Max Age to apply: 66 years 9 months * Financing Amount: RM5,000 to RM100,000 * Pension Amount: RM750.00 and above == Computation == === Loan Amount Eligibility === * Available Deduction = (Gross Pension - Deduction (House-if any)) x 50% * Example for customer with house deduction: ** Eligible Deduction = RM1000.00 (Pension Amount) - RM300.00 (potongan rumah) x 50% = RM350.00 ** Refer to repayment table (RM350.00) to get loan amount * Example for customer without deduction: ** Eligible Deduction = RM1000.00 x 50% = RM500.00 ** Refer to [http://www.rhb.com.my/islamic_banking/financing/pdf/Repayment%20table.pdf repayment table] with RM500.00 to get loan amount === Takaful Calculation === * Sample calculation, scenario: ** Applicant Age : 55 yrs ** Tenure : 10 years ** Loan : RM10,000.00 * Calculation: ** Takaful = Factor ([http://www.rhb.com.my/islamic_banking/financing/pdf/Takaful_Rates.pdf refer table]) x Loan Amount ÷ 1000.00 ** Takaful = 62.23 x 10,000.00 ÷ 1,000.00 = 622.30 == Document Required == * 2 Copies I/C * 2 Copies Card PENCEN * 1 Copy Spouse I/C (for male applicant only) ** Sijil Kematian (jika pemohon duda) ** Sijil Cerai (jika pemohon sudah bercerai) * PENCEN Statement from Bank & HQ(jika pemohon JPA boleh print statement di laman web ini ( jpapencen.gov.my ) * RHB Islamic Saving Account * Balu (tidak perlu I/C Suami) 2013-11-12: RHB ( PENCEN ) - Commission Payment Please be informed, commission payment for the above package will only be done after receiving the Final Disbursement Report from RHB between 10th-15th of every month. However, MSS will only received Disbursement Report ONE MONTH later. Example : For October month's Final Disbursement Report, MSS will only received the report between 10th-15th of November. == Application Form Downloads == You can download and print application form on your own. * Application form for Army - [[Media:Rhb1-pension-scheme-army.zip]] * Application form for JPA - [[Media:Rhb2-pension-scheme-jpa.zip]] Notes: * Letter of Offer - 3 sets * Other forms - 1 set

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