RCE - Yayasan
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* Location: Whole Malaysia (Sabah & Sarawak - Commission less 1%) | * Location: Whole Malaysia (Sabah & Sarawak - Commission less 1%) | ||
* Interest Rate: | * Interest Rate: | ||
| - | ** Permanent | + | ** Permanent-Work > 3 years & salary above RM3800.00 : 4.99% |
| - | ** Permanent | + | ** Permanent-Work < 3 years & salary below than RM3800.00 : 5.99% |
** Contract & Work > 1 year: 7.88% (Kontrak Bersambung) | ** Contract & Work > 1 year: 7.88% (Kontrak Bersambung) | ||
* Payout: | * Payout: | ||
| Line 30: | Line 30: | ||
# BPA | # BPA | ||
# Surat Pengesahan Majikan | # Surat Pengesahan Majikan | ||
| + | |||
== Payslip Expiry Date == | == Payslip Expiry Date == | ||
| Line 36: | Line 37: | ||
== Allowances == | == Allowances == | ||
=== Accepted List === | === 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 === | === Rejected List === | ||
| + | * Elaun Lebih Masa (OT) | ||
| + | * Imbuhan Tahunan (Bonus) | ||
| + | * Tunggakan (Arrears) | ||
| + | * Elaun Pemangku | ||
| + | * Elaun Tanggungan | ||
| + | * Elaun Jahitan | ||
| + | * Elaun Warden | ||
| + | * gaji bersih bawal rm500 lepas ptg baru (project) | ||
| + | * gaji bersih bawal rm900 (normal) | ||
| + | (This list will be updated from time to time) | ||
== Target Market == | == Target Market == | ||
== Non Target Market == | == Non Target Market == | ||
| + | * koley vokasional tanjung puteri johor (project case only) | ||
| + | * kementerian pertahanan (project case only) | ||
| + | * hospital attendant | ||
== Factor == | == Factor == | ||
| - | |||
{| class="wikitable" style="text-align:center" | {| class="wikitable" style="text-align:center" | ||
! YEARS !! MONTH !! FACTOR 5.99% !! FACTOR 4.99% | ! YEARS !! MONTH !! FACTOR 5.99% !! FACTOR 4.99% | ||
| Line 118: | Line 144: | ||
* In Hand (Permanent) = Loan Eligible x 92% - RM20 | * In Hand (Permanent) = Loan Eligible x 92% - RM20 | ||
* In Hand (Contract) = Loan Eligible x 87% - RM20 | * In Hand (Contract) = Loan Eligible x 87% - RM20 | ||
| + | |||
| + | == Calculation Sheet & Repayment Table == | ||
| + | [[Media:RCE-CEF.xls]] | ||
| + | |||
| + | [[Media:RCE-RT.xls]] | ||
Latest revision as of 07:26, 26 August 2015
Contents |
Product Features
- Location: Whole Malaysia (Sabah & Sarawak - Commission less 1%)
- Interest Rate:
- Permanent-Work > 3 years & salary above RM3800.00 : 4.99%
- Permanent-Work < 3 years & salary below than RM3800.00 : 5.99%
- Contract & Work > 1 year: 7.88% (Kontrak Bersambung)
- Payout:
- Permanent: 92% - RM20
- Contract: 87% - RM20
- Tenure: 1 to 22 years
- Financing Amount: RM1,000 to RM250,000
- Salary: RM800 and above
- Yuran: RM20 per month
- Age: 18 years old and above
- Expired Facility: 60 years old
- Blacklist (CTOS): RM25,000
- Payslip Expiry Date: 30th of the month
- Settlement Letter Expiry Date: At least 14 working days
Document List
- Senarai Semakan Bagi Permohonan
- Borang Permohonan Pembiayaan Tunai Syariah Page 1 - 2
- Borang YYP03
- Surat Waad untuk Pembeli
- Surat Perlantikan Wakil
- Surat Kebenaran Pembayaran
- Notis Serah Hak
- Akuan Berkanun
- Perjanjian Jualan Komoditi
- BPA
- Surat Pengesahan Majikan
Payslip Expiry Date
Payslip will expire every 30th of the subsequent month.
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 Pemangku
- Elaun Tanggungan
- Elaun Jahitan
- Elaun Warden
- gaji bersih bawal rm500 lepas ptg baru (project)
- gaji bersih bawal rm900 (normal)
(This list will be updated from time to time)
Target Market
Non Target Market
- koley vokasional tanjung puteri johor (project case only)
- kementerian pertahanan (project case only)
- hospital attendant
Factor
| YEARS | MONTH | FACTOR 5.99% | FACTOR 4.99% |
|---|---|---|---|
| 1 | 12 | 11.10 | 11.21 |
| 2 | 24 | 21.01 | 21.39 |
| 3 | 36 | 29.92 | 30.70 |
| 4 | 48 | 37.96 | 39.23 |
| 5 | 60 | 45.27 | 47.08 |
| 6 | 72 | 51.93 | 54.32 |
| 7 | 84 | 58.02 | 61.03 |
| 8 | 96 | 63.63 | 67.27 |
| 9 | 108 | 68.79 | 73.07 |
| 10 | 120 | 73.58 | 78.48 |
| 11 | 132 | 78.01 | 83.55 |
| 12 | 144 | 82.14 | 88.30 |
| 13 | 156 | 85.98 | 92.76 |
| 14 | 168 | 89.58 | 96.97 |
| 15 | 180 | 92.95 | 100.93 |
| 16 | 192 | 96.12 | 104.67 |
| 17 | 204 | 99.09 | 108.21 |
| 18 | 216 | 101.90 | 111.56 |
| 19 | 228 | 104.55 | 114.74 |
| 20 | 240 | 107.05 | 117.76 |
| 21 | 252 | 109.42 | 120.64 |
| 22 | 264 | 111.67 | 123.38 |
- Available Deduction = (Salary x 60%) - Deduction at Payslip + Redemption (settlement)
- Loan Eligible = Available Deduction x Factor
- In Hand (Permanent) = Loan Eligible x 92% - RM20
- In Hand (Contract) = Loan Eligible x 87% - RM20
