MBSB - XChange-i

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'''== Early Bird Promotion !!! =='''
 
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* Interest Rate : '''3.99%'''
 
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* Package Validity : 1st January 2012 - 31st March 2012; or
 
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* upon achieving RM1.0 Billion in disbursement amount
 
-
 
== Product Features ==
== Product Features ==
-
* Location: Whole Malaysia
+
* 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>
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** With Banca Takaful : <b>4.30%</b> - minimum deduction for BANCA TAKAFUL is RM650(13 months) - to be renew every year by customer
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** Without Banca Takaful : <b>4.50%</b>
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** Without Banca Takaful : <b>4.50%</b>  
-
* Payout: 97% - 1 month installment -Stamp Duty (0.5%) - Processing Fee(2.0%)
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* 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
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* Finance: Min RM50,000 to RM200,000
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* Financing Amount: '''RM50,000 to RM200,000'''
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* Salary: RM700(inclusive of fixed allowance) and above only
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* Salary: RM700 and above only
* Age: 19 years and above
* Age: 19 years and above
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* Expired Facility: 60 years old
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* 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)
-
* Important: Customer must overlap at least 1 settlement(not from MBSB). Customer are allowed to have 2 account deduction from MBSB for this package.
+
 
 +
== 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)
+
* 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''
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* 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
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# Photocopy of IC(disahkan majikan) - 2 copies
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# 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
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# 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
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== Target Market ==
== Target Market ==
-
# All Ag Payslip
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* Same target market as Vaganza
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# Polis
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-
# LHDN
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# State AG
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# Perkeso
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== Non Target Market ==
== Non Target Market ==
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# Mostly all submission from majlis.
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* Pos Malaysia
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# Kontrak
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* Perbadanan Labuan
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# DBKL
+
 
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# Guru sandaran terlatih atau guru sandaran tidak terlatih - Reject
+
== 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.

  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

Target Market

  • Same target market as Vaganza

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

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