RHB - PENCEN

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* Location: Whole Malaysia  
* Location: Whole Malaysia  
* Interest Rate:5.00%
* Interest Rate:5.00%
-
* Payout : Loan Amount Less RM80 - Less Insurance
+
* Payout: Loan Amount - RM80 - Takaful (refer calculation below)
-
* Tenure:
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* Tenure: 3 to 10 years
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**Max- 15 years or Age 70 years (which ever comes first)
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* Max Age at end of tenure: 70 years old
-
**Min- 3 yrs
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* Max Age to apply: 66 years 9 months
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+
-
* Age: Max Age to apply: 66 years 9 months
+
* Financing Amount: RM5,000 to RM100,000
* Financing Amount: RM5,000 to RM100,000
* Pension Amount: RM750.00 and above
* Pension Amount: RM750.00 and above
== Computation ==
== Computation ==
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* Gross Pension - Deduction (house-if any)
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=== Loan Amount Eligibility ===
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**Balance X 50%
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* Available Deduction = (Gross Pension - Deduction (House-if any)) x 50%
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**Month (ELIGIBILITY)
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* Example for customer with house deduction:
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*'''Example if cust got house deduction:'''
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** Eligible Deduction = RM1000.00 (Pension Amount) - RM300.00 (potongan rumah) x 50% = RM350.00
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    RM1000.00(Pension Amount) - RM300.00(potongan rumah)
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** Refer to repayment table (RM350.00) to get loan amount
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    =RM700.00
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* Example for customer without deduction:
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    RM700.00 X 50%
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** Eligible Deduction = RM1000.00 x 50% = RM500.00
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    =RM350.00 (Kelayakan)- Refer to repayment table to get loan.
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** Refer to [http://www.rhb.com.my/islamic_banking/financing/pdf/Repayment%20table.pdf repayment table] with RM500.00 to get loan amount
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*'''Example if cust no deduction:'''
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    RM1000.00 X 50%
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    =RM500.00 (Kelayakan)- Refer to repayment table to get loan.
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*'''Insurance Calculation'''
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=== Takaful Calculation ===
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*'''Example to calculate insurance amount:'''
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* Sample calculation, scenario:
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**Age     : 55 yrs
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** Applicant Age : 55 yrs
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**Tenure : 10 years
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** Tenure : 10 years
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**Loan   : RM10K
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** Loan : RM10,000.00
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****Factor (refer table) X Loan Amount ÷ 1000.00
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* Calculation:
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****91.61 X 10000.00 ÷ 1000.00'
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** Takaful = Factor ([http://www.rhb.com.my/islamic_banking/financing/pdf/Takaful_Rates.pdf refer table]) x Loan Amount ÷ 1000.00
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****Takaful = 916.10
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** Takaful = 62.23 x 10,000.00 ÷ 1,000.00 = 622.30
== Document Required ==
== Document Required ==
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* 2 Copies Card PENCEN
* 2 Copies Card PENCEN
* 1 Copy Spouse I/C (for male applicant only)
* 1 Copy Spouse I/C (for male applicant only)
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**Sijil Kematian
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** Sijil Kematian (jika pemohon duda)
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**Sijil Cerai
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** Sijil Cerai (jika pemohon sudah bercerai)
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* PENCEN Statement
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* PENCEN Statement from Bank & HQ(jika pemohon JPA boleh print statement di laman web ini ( jpapencen.gov.my )
* RHB Islamic Saving Account
* 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:
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* Letter of Offer - 3 sets
 +
* Other forms - 1 set

Latest revision as of 04:26, 16 December 2013

Contents

[hide]

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 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 (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.

Notes:

  • Letter of Offer - 3 sets
  • Other forms - 1 set
Retrieved from "http://mss.enrii.net/Internal/index.php/RHB_-_PENCEN"
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