MBSB - XChange-i
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== Product Features == | == Product Features == | ||
| - | * | + | * Area Covered: East Malaysia and West Malaysia |
* Package Validity : 6th January 2012 - 31st December 2012 | * Package Validity : 6th January 2012 - 31st December 2012 | ||
* Interest Rate: | * Interest Rate: | ||
| - | ** With Banca Takaful : <b>4.30%</b> | + | ** 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> | + | ** Without Banca Takaful : <b>4.50%</b> |
| - | * Payout: 97% - 1 month installment - | + | * Payout: 97.5% - 1 month installment - RM650(with BANCA TAKAFUL)- RM434(Incidental charges include ARB RM350) |
* Tenure: Min 5 years - Max 20 years | * Tenure: Min 5 years - Max 20 years | ||
| - | * | + | * Financing Amount: '''RM50,000 to RM200,000''' |
| - | * Salary: RM700 | + | * Salary: RM700 and above only |
* Age: 19 years and above | * Age: 19 years and above | ||
| - | * Expired Facility: 60 years old | + | * Expired Facility: 60 years old(opsyen letter) |
| + | * Tat: 7 working days | ||
* 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 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 == | == 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'' | ''***Important : Redemption Statement must reflect a rebate amount from existing financier'' | ||
| Line 30: | Line 29: | ||
* 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 | ||
| + | |||
| + | == 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 == | == 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.''' | + | '''**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 | # Settlement statement | ||
| Line 47: | Line 72: | ||
== Target Market == | == Target Market == | ||
| - | + | * Same target market as Vaganza | |
| - | + | ||
| - | + | ||
| - | + | ||
| - | + | ||
== Non Target Market == | == 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]] | ||
Latest revision as of 04:54, 8 September 2012
Contents |
Product Features
- Area Covered: East Malaysia and West Malaysia
- Package Validity : 6th January 2012 - 31st December 2012
- Interest Rate:
- With Banca Takaful : 4.30% - minimum deduction for BANCA TAKAFUL is RM650(13 months) - to be renew every year by customer
- Without Banca Takaful : 4.50%
- 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
