MBSB - Exec-i

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== Product Features ==
== Product Features ==
 +
* Location: Whole Malaysia
* Interest Rate:
* Interest Rate:
** 2-3    years = 3.5%
** 2-3    years = 3.5%
-
** 4-10  years = 4.1%
+
** 4-10  years = 4.1%v
** 11-15  years = 5.2%
** 11-15  years = 5.2%
** 16-25  years = 5.5%
** 16-25  years = 5.5%
-
* Payout: 97% -(1 Month installment)-Stamp Duty(RM50) - Insurance
+
* Payout: 97% - 1 Month installment -Stamp Duty (RM50) - Insurance
* Tenure: Min 2 years - Max 25 years
* Tenure: Min 2 years - Max 25 years
-
* Finance: Min RM3,000 to RM300,000(RM200,000 and above MUST sign TAKAFUL HEALTH DECLARATION FORM)
+
* Finance: Min RM3,000 to RM300,000 (RM200,000 and above MUST sign TAKAFUL HEALTH DECLARATION FORM)
* Salary: RM3,500 and above only
* Salary: RM3,500 and above only
* Age: 19 years and above
* Age: 19 years and above
-
* Expired Facility: 58 years old
+
* Expired Facility: 60 years old
-
* Eligible Criteria:
+
-
** Ag Payslip
+
-
** Polis
+
-
** LHDN
+
-
** State AG
+
-
** Perkeso
+
-
** Non Ag(Case by case)
+
* 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)
-
== Eligibility ==
+
== Special Criteria ==  
-
Guru sandaran terlatih atau guru sandaran tidak terlatih - Reject
+
* Customer may option to increase his/her tenure up to 25 years
 +
* Max loan application is RM300,000
 +
 
 +
== 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
 +
 
 +
== 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
Line 37: Line 44:
# Settlement statement
# Settlement statement
# Opsyen Letter
# Opsyen Letter
 +
# Lampiran Tambahan (Addadem)
-
== Koperasi to request new settlement statement ==
+
== Expiry of Settlement Statement ==
-
# Kowaja - Kop Wawasan Pekerja - Pekerja Berhad
+
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
Line 57: Line 66:
# 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 ==
 +
# AG Payslip
 +
# PDRM
 +
# LHDN
 +
# State AG
 +
# Perkeso
 +
# Non AG(Case by case)
 +
 +
== Non Target Market ==
 +
# Mostly all submission from majlis.
 +
# Kontrak
 +
# DBKL
 +
# Guru sandaran terlatih atau guru sandaran tidak terlatih - Reject
 +
# Pos Malaysia
 +
# Perbadanan Labuan
 +
 +
== Calculation Sheet & Repayment Table ==
 +
[[Media:MBSBExecI-CEF.xls]]
 +
 +
[[Media:MBSBExecI-RT5.50.xls]]

Latest revision as of 02:59, 11 August 2012

Contents

Product Features

  • Location: Whole Malaysia
  • Interest Rate:
    • 2-3 years = 3.5%
    • 4-10 years = 4.1%v
    • 11-15 years = 5.2%
    • 16-25 years = 5.5%
  • Payout: 97% - 1 Month installment -Stamp Duty (RM50) - Insurance
  • Tenure: Min 2 years - Max 25 years
  • Finance: Min RM3,000 to RM300,000 (RM200,000 and above MUST sign TAKAFUL HEALTH DECLARATION FORM)
  • Salary: RM3,500 and above only
  • Age: 19 years and above
  • Expired Facility: 60 years old
  • Yuran: Waived
  • CTOS: RM20,000 and below (Please provide settlement statement if customer wishes to settle)

Special Criteria

  • Customer may option to increase his/her tenure up to 25 years
  • Max loan application is RM300,000

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

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)

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. AG Payslip
  2. PDRM
  3. LHDN
  4. State AG
  5. Perkeso
  6. Non AG(Case by case)

Non Target Market

  1. Mostly all submission from majlis.
  2. Kontrak
  3. DBKL
  4. Guru sandaran terlatih atau guru sandaran tidak terlatih - Reject
  5. Pos Malaysia
  6. Perbadanan Labuan

Calculation Sheet & Repayment Table

Media:MBSBExecI-CEF.xls

Media:MBSBExecI-RT5.50.xls

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