RHB - PENCEN
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* Location: Whole Malaysia | * Location: Whole Malaysia | ||
* Interest Rate:5.00% | * Interest Rate:5.00% | ||
| - | * Payout: Loan Amount - RM80 - | + | * Payout: Loan Amount - RM80 - Takaful (refer calculation below) |
| - | * Tenure: 3 to | + | * Tenure: 3 to 10 years |
* Max Age at end of tenure: 70 years old | * Max Age at end of tenure: 70 years old | ||
* Max Age to apply: 66 years 9 months | * Max Age to apply: 66 years 9 months | ||
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=== Loan Amount Eligibility === | === Loan Amount Eligibility === | ||
* Available Deduction = (Gross Pension - Deduction (House-if any)) x 50% | * Available Deduction = (Gross Pension - Deduction (House-if any)) x 50% | ||
| - | |||
* Example for customer with house deduction: | * 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 | ** Refer to repayment table (RM350.00) to get loan amount | ||
* Example for customer without deduction: | * Example for customer without deduction: | ||
| - | ** | + | ** Eligible Deduction = RM1000.00 x 50% = RM500.00 |
| - | ** Refer to repayment table | + | ** Refer to [http://www.rhb.com.my/islamic_banking/financing/pdf/Repayment%20table.pdf repayment table] with RM500.00 to get loan amount |
=== Takaful Calculation === | === Takaful Calculation === | ||
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** Loan : RM10,000.00 | ** Loan : RM10,000.00 | ||
* Calculation: | * Calculation: | ||
| - | ** Takaful = Factor (refer table) x Loan Amount ÷ 1000.00 | + | ** Takaful = Factor ([http://www.rhb.com.my/islamic_banking/financing/pdf/Takaful_Rates.pdf refer table]) x Loan Amount ÷ 1000.00 |
| - | ** | + | ** 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) | ||
| - | **Sijil Kematian( | + | ** Sijil Kematian (jika pemohon duda) |
| - | **Sijil Cerai( | + | ** Sijil Cerai (jika pemohon sudah bercerai) |
| - | * PENCEN Statement | + | * 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 ( | + | * 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 == | == Application Form Downloads == | ||
You can download and print application form on your own. | You can download and print application form on your own. | ||
| - | * Application form for Army - [[Media: | + | * Application form for Army - [[Media:Rhb1-pension-scheme-army.zip]] |
| - | * Application form for JPA - [[Media: | + | * Application form for JPA - [[Media:Rhb2-pension-scheme-jpa.zip]] |
Notes: | Notes: | ||
* Letter of Offer - 3 sets | * Letter of Offer - 3 sets | ||
* Other forms - 1 set | * 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.
- Application form for Army - Media:Rhb1-pension-scheme-army.zip
- Application form for JPA - Media:Rhb2-pension-scheme-jpa.zip
Notes:
- Letter of Offer - 3 sets
- Other forms - 1 set
