MBSB - Waslah

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* Location: Whole Malaysia
* Location: Whole Malaysia
* Interest Rate: 5.55%
* Interest Rate: 5.55%
-
* Payout: 97% -(1 Month installment)-Stamp Duty(RM50) - Insurance
+
* Payout: 97% - 1 month installment - Stamp Duty (RM50) - Insurance
* Tenure: Min 6 years - Max 20 years
* Tenure: Min 6 years - Max 20 years
* Finance: Min RM3,000 to RM200,000
* Finance: Min RM3,000 to RM200,000
* Salary: RM700 and above only
* Salary: RM700 and above only
* Age: 19 years and above
* Age: 19 years and above
-
* Expired Facility: 58 years old
+
* Expired Facility: 60 years old
* Tat: 2 - 3 Weeks
* Tat: 2 - 3 Weeks
-
 
* Yuran: Waived
* Yuran: Waived
-
* CTOS: RM20,000 and below.(Please provide settlement statement if customer wishes to settle)
+
* CTOS: RM20,000 and below (Please provide settlement statement if customer wishes to settle)
-
*Special Remarks: COMPULSARY TO OVERLAP 1 SETTLEMENT FOR EVERY CASE.
+
* Special Requirement: COMPULSARY TO OVERLAP 1 SETTLEMENT FOR EVERY CASE
== Special Criteria ==
== Special Criteria ==
* Maximum eligible can go up to 75% ONLY
* Maximum eligible can go up to 75% ONLY
 +
* For teachers who do not take in Allowance for BI Khas (Maths & Science), maximum eligibility can go up to 78%
-
== Payslip expiry date ==
+
== Payslip Expiry Date ==
-
Payslip will expire every 20th.
+
Payslip will expire every 20th of the subsequent month, example:
-
Example:
+
* February payslip will expire on the 20th April
-
* February payslip will expire on the 20th April.
+
* March payslip will expire on the 20th May
* March payslip will expire on the 20th May
 +
 +
== Early Settlement ==
 +
* Lock in period : Early Settlement
 +
* Early settlement Fee : 5.0% from Outstanding balance; and
 +
* To claw back all cost incurred under Zero Entry Cost(ZEC)
== Document List ==
== 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
# MBSB Agreement
# BPA - 1 copy
# BPA - 1 copy
-
# Photocopy of IC(disahkan majikan) - 2 copies
+
# Photocopy of IC (disahkan majikan) - 2 copies
-
# Payslip original - 1 copy  
+
# Payslip original - 1 copy
-
# Payslip photocopy(disahkan majikan)(3 copies) for 3 months
+
# Payslip photocopy (disahkan majikan)(3 copies) for 3 months
# Pengesahan Jawatan
# Pengesahan Jawatan
-
# Bank Account copy(disahkan majikan)
+
# Bank Account copy (disahkan majikan)
# Borang Amanahraya
# Borang Amanahraya
-
# Borang Wasiat(Please provide photocopy of Kad Wasiat if customer inform he/she already has an account with amanahraya)
+
# Borang Wasiat (Please provide photocopy of Kad Wasiat if customer inform he/she already has an account with amanahraya)
# Borang Temanku
# Borang Temanku
-
# Settlement statement(if any)
+
# Settlement statement
-
# Opsyen Letter(if any)
+
# Opsyen Letter
 +
# Lampiran Tambahan (Addadem)
 +
== Allowances ==
 +
=== Accepted List ===
 +
'''Fixed Allowance'''
 +
* Imbuhan Tetap Perkhidmatan Awam
 +
* Imbuhan Perumahan
 +
* Bantuan Sara Hidup
 +
* Elaun Keraian
-
== Koperasi to request new settlement statement if settlement statement expired ==
+
'''Case by Case Basis'''
-
# Kowaja - Kop Wawasan Pekerja - Pekerja Berhad
+
* 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)
 +
 
 +
== Expiry of Settlement Statement ==
 +
MO must request new settlement statement from the below listed Coops if the statement is expired:
 +
# Kowaja - Kop Wawasan Pekerja-pekerja Berhad
# Koop Aid - Kop Serbaguna Pertanian Perusahaan Kemajuan Berhad
# Koop Aid - Kop Serbaguna Pertanian Perusahaan Kemajuan Berhad
# K. Punb - Kop Pembangunan Usahawan Nasional Berhad
# K. Punb - Kop Pembangunan Usahawan Nasional Berhad
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# Koop Giat Maju - Kop Giat Maju Berhad
# Koop Giat Maju - Kop Giat Maju Berhad
# Koperkasa - Koperasi Koperkasa Berhad
# Koperkasa - Koperasi Koperkasa Berhad
 +
'''Important''': For all MBSB packages, submission with overlapping with MBSB settlement (in house) have to obtain '''latest statement balance'''. ONLY the customer is personally allowed to request the latest balance from MBSB, no representative is allowed.
== Target Market ==
== Target Market ==
-
# All Ag Payslip
+
# All AG Payslip
-
# Polis
+
# PDRM
# LHDN
# LHDN
# State AG
# State AG
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== Non Target Market ==
== Non Target Market ==
-
# Mostly all submission from majlis.
+
# Mostly all submission from majlis
# Kontrak
# Kontrak
# DBKL
# DBKL
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# Berhad
# Berhad
# Sdn Bhd
# Sdn Bhd
 +
# Pos Malaysia
 +
# Perbadanan Labuan
 +
 +
== Calculation Sheet & Repayment Table ==
 +
[[Media:MBSBWASLAH-CEF.xls]]
 +
 +
[[Media:MBSBWASLAH-RT5.50.xls]]

Latest revision as of 02:48, 11 August 2012

Contents

[hide]

Product Features

  • Location: Whole Malaysia
  • Interest Rate: 5.55%
  • Payout: 97% - 1 month installment - Stamp Duty (RM50) - Insurance
  • Tenure: Min 6 years - Max 20 years
  • Finance: Min RM3,000 to RM200,000
  • Salary: RM700 and above only
  • Age: 19 years and above
  • Expired Facility: 60 years old
  • Tat: 2 - 3 Weeks
  • Yuran: Waived
  • CTOS: RM20,000 and below (Please provide settlement statement if customer wishes to settle)
  • Special Requirement: COMPULSARY TO OVERLAP 1 SETTLEMENT FOR EVERY CASE

Special Criteria

  • Maximum eligible can go up to 75% ONLY
  • For teachers who do not take in Allowance for BI Khas (Maths & Science), maximum eligibility can go up to 78%

Payslip Expiry Date

Payslip will expire every 20th of the subsequent month, example:

  • February payslip will expire on the 20th April
  • March payslip will expire on the 20th May

Early Settlement

  • Lock in period : Early Settlement
  • Early settlement Fee : 5.0% from Outstanding balance; and
  • To claw back all cost incurred under Zero Entry Cost(ZEC)

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.

  1. MBSB Agreement
  2. BPA - 1 copy
  3. Photocopy of IC (disahkan majikan) - 2 copies
  4. Payslip original - 1 copy
  5. Payslip photocopy (disahkan majikan)(3 copies) for 3 months
  6. Pengesahan Jawatan
  7. Bank Account copy (disahkan majikan)
  8. Borang Amanahraya
  9. Borang Wasiat (Please provide photocopy of Kad Wasiat if customer inform he/she already has an account with amanahraya)
  10. Borang Temanku
  11. Settlement statement
  12. Opsyen Letter
  13. Lampiran Tambahan (Addadem)

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)

Expiry of Settlement Statement

MO must request new settlement statement from the below listed Coops if the statement is expired:

  1. Kowaja - Kop Wawasan Pekerja-pekerja Berhad
  2. Koop Aid - Kop Serbaguna Pertanian Perusahaan Kemajuan Berhad
  3. K. Punb - Kop Pembangunan Usahawan Nasional Berhad
  4. Ukhwah - Kop Pendidikan Islam Malaysia Berhad
  5. Koop Pusamaju - Kop Pembangunan usahasama Masyarakat Maju Bhd
  6. Kobeta - Kop Bersatu Tenaga Malaysia Berhad
  7. KoIman - Kop Serbaguna Iman Malaysia Berhad
  8. Kopesadik / Komaju - Kop Maju Ekonomi Pekerja Berhad
  9. Kowamas - Kop Wawasan Malaysia Berhad
  10. Kosetia - Kop Perkhidmatan Setia Berhad
  11. Koputri - Kop Putri Terbilang Malaysia Berhad
  12. Kuasa - Kop Usahawan Muda Malaysia Berhad
  13. Sejati - Kop Sejati Berhad (Ambank / Direct)
  14. Koop Gemilang - Kop Gemilang Siswazah Malaysia Berhad
  15. CTOS : (Bank Rakyat) (Personal Loan)
  16. CTOS : MBF(Cards)
  17. Koop Giat Maju - Kop Giat Maju Berhad
  18. Koperkasa - Koperasi Koperkasa Berhad

Important: For all MBSB packages, submission with overlapping with MBSB settlement (in house) have to obtain latest statement balance. ONLY the customer is personally allowed to request the latest balance from MBSB, no representative is allowed.

Target Market

  1. All AG Payslip
  2. PDRM
  3. LHDN
  4. State AG
  5. Perkeso

Non Target Market

  1. Mostly all submission from majlis
  2. Kontrak
  3. DBKL
  4. Guru sandaran terlatih atau guru sandaran tidak terlatih - Reject
  5. GLC Company
  6. Berhad
  7. Sdn Bhd
  8. Pos Malaysia
  9. Perbadanan Labuan

Calculation Sheet & Repayment Table

Media:MBSBWASLAH-CEF.xls

Media:MBSBWASLAH-RT5.50.xls

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