Yayasan Ihsan Rakyat -YIR

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== Rate Segment ==
== Rate Segment ==
 +
=== SEGMENT WL 5.99% ===
 +
'''A-AG,PDRM,UPM & UITM ;for KEMAS (must be PERMANENT CONTRACT 2yrs Renew)'''
 +
*Service Period :6 months and above
 +
*Status : Permanent
 +
*Tenure : 1 - 10 years
 +
*Age    : 20 to 58 years
 +
*Age (PDRM) : 20 to 55 years
 +
*Payout : 87.5%
 +
*Adv Instalment: 1 Month
 +
*Financing Amount WM: RM3,000 to RM250,000(West Malaysia)
 +
*Financing Amount EM: RM2,500 to RM250,000 (East Malaysia)
 +
*Salary : RM1,500 and above
 +
*Ctos: below RM30K can submit.
 +
 +
 +
=== SEGMENT U1 8.33% ===
 +
'''A-AG,PDRM,UPM & UITM ;for KEMAS (must be PERMANENT CONTRACT 2yrs Renew)'''
 +
*Service Period :6 months and above
 +
*Status : Permanent
 +
*Tenure : 1 - 10 years
 +
*Age    : 20 to 58 years
 +
*Age (PDRM) : 20 to 55 years
 +
*Payout : 78.5%
 +
*Adv Instalment: 1 Month
 +
*Financing Amount WM: RM3,000 to RM250,000(West Malaysia)
 +
*Financing Amount EM: RM2,500 to RM250,000 (East Malaysia)
 +
*Salary : RM1,500 and above
 +
*Ctos: below RM30K can submit.
 +
 +
 +
=== SEGMENT U2 9.99% ===
 +
'''A-AG,PDRM,UPM & UITM ;for KEMAS (must be PERMANENT CONTRACT 2yrs Renew)'''
 +
*Service Period :6 months and above
 +
*Status : Permanent
 +
*Tenure : 1 - 10 years
 +
*Age    : 20 to 58 years
 +
*Age (PDRM) : 20 to 55 years
 +
*Payout : 74.5%
 +
*Adv Instalment: 1 Month
 +
*Financing Amount WM: RM3,000 to RM150,000(West Malaysia)
 +
*Financing Amount EM: RM2,500 to RM150,000 (East Malaysia)
 +
*Salary : RM1,500 and above
 +
*Ctos: below RM30K can submit.
 +
 +
 +
=== SEGMENT U3 9.99% ===
 +
'''A-AG,PDRM,UPM & UITM ;for KEMAS (must be PERMANENT CONTRACT 2yrs Renew)'''
 +
*Service Period :6 months and above
 +
*Status : Permanent
 +
*Tenure : 1 - 10 years
 +
*Age    : 20 to 58 years
 +
*Age (PDRM) : 20 to 55 years
 +
*Payout : 69.5%
 +
*Adv Instalment: 1 Month
 +
*Financing Amount WM: RM3,000 to RM150,000(West Malaysia)
 +
*Financing Amount EM: RM2,500 to RM150,000 (East Malaysia)
 +
*Salary : RM1,500 and above
 +
*Ctos: below RM30K can submit.
 +
 +
 +
 +
=== SEGMENT NC 7.77% ===
 +
'''for majikan KEMAS only (must be PERMANENT CONTRACT 2yrs Renew)'''
 +
*Service Period :6 months and above
 +
*Status : Permanent
 +
*Tenure : 1 - 7 years
 +
*Age    : 20 to 35 years
 +
*Payout : 85.0%
 +
*Adv Instalment: 1 Month
 +
*Financing Amount WM: RM3,000 to RM20,000(West Malaysia)
 +
*Financing Amount EM: RM2,500 to RM20,000 (East Malaysia)
 +
*Salary : RM1,500 and above
 +
*Ctos: below RM30K can submit.
 +
 +
 +
== Document List ==
 +
 +
#YIR SOFT COPY FORMS:
 +
*[[Media:yir-New-forms.pdf]]-'''NEW VERSION MAY 2023'''
 +
 +
 +
*[[Media:yir-froms.pdf]] -'''OLD VERSION'''
 +
 +
 +
Certified True Copy Required:
 +
*Identification Card
 +
*Police or Army Identification Card
 +
*Recent 3 Months Payslips
 +
*Certified True Copy Not Required
 +
*Recent Bank Statement (Salary Account / Account To Receive Financing)
 +
*Salary Deduction Authorisation Letter YIR10-i / BPA 1/79 Form
 +
*Employment Verification Letter
 +
*Option Letter (If applicable)
 +
*Transfer Letter (If applicable)
 +
*Settlement Statement (If applicable)
 +
*Borang T228 with cop ori employer (2pcs) for KERAJAAN NEGERI SARAWAK payslip
 +
 +
 +
*'''CONTOH ISI BORANG YIR'''
 +
**please click : [[File:Contoh-YIR.pdf]]
 +
 +
== Accepted and Rejected List ==
 +
 +
[[Media:Rce-WM-TmList1.pdf]]
 +
 +
[[Media:Rce-WM-NTmList1.pdf]]
 +
 +
[[Media:Rce-SBH-TmList1.pdf]]
 +
 +
[[Media:Rce-SBH-NTmList1.pdf]]
 +
 +
[[Media:Rce-SWK-TmList1.pdf]]
 +
 +
[[Media:Rce-SWK-NTmList1.pdf]]
 +
 +
 +
 +
[[Media:TM-and-NonTM-listing.zip]] -list lama
 +
 +
== Calculation Sheet & Repayment Table ==
 +
[[Media:YIR-CEF-NEW4.zip]]
 +
 +
 +
== Special Note ==
 +
*It has come to RCE's attention, complaint from customers regarding their signature is being forged! This is a REMINDER! if there is    still a customer whose complaint ,RCE will IMMEDIATE TERMINATED the MO'S and LEGAL ACTION  will be taken against the agent involved.
 +
*We are pleased to inform you that the new guideline for customer submitting additional applications has been revised as follows with immediate effect:
 +
'''EXISTING''' -Customers may only submit their next application once the first collection from BPA has been received by RCE.
 +
'''NEW''' -Customers may submit their next application once the deduction has been reflected in AG's or BPA's system.
 +
*'''With effect from 02.11.2015, please be informed that filling of all the particulars in the YIR & YYP application forms, PEN BASAH (Black ink ) is to be used. Please use 0.7 or 1.0 size of pen.'''
 +
**Example: [[Media:YIR.pdf]]
 +
* '''Jika mahu buat 2nd loan, pastikan potongan 1ST loan sudah ada dalam payslip.'''
 +
* '''Gaji Bersih :RM900.00'''
 +
* '''Opsyen Bersara untuk POLIS :55 tahun sahaja walaupun majikan beri 60 tahun'''
 +
* '''Opsyen Bersara untuk AG    :58 tahun sahaja walaupun majikan beri 60 tahun'''
 +
* '''Amount exceeding RM100K, will be considered on a case-to-case basis (up to RM150K).
 +
 +
 +
== OLD SEGMENT PACKAGE ==
=== SEGMENT WA 5.99% ===
=== SEGMENT WA 5.99% ===
Line 24: Line 162:
-
=== SEGMENT OV HALO 6.50% ===
+
=== SEGMENT OV HALO 6.50% -INVALID ===
'''A-AG, PDRM, UPM & UITM'''
'''A-AG, PDRM, UPM & UITM'''
*Service Period :6 months and above
*Service Period :6 months and above
Line 39: Line 177:
-
=== SEGMENT I1 6.99% ===
+
=== SEGMENT I1 6.99% -INVALID  ===
'''A-AG, PDRM, UPM & UITM'''
'''A-AG, PDRM, UPM & UITM'''
*Service Period :6 months and above
*Service Period :6 months and above
Line 54: Line 192:
-
=== SEGMENT I7 7.99% ===
+
=== SEGMENT I7 7.99% -INVALID ===
'''A-AG, PDRM, UPM & UITM'''
'''A-AG, PDRM, UPM & UITM'''
*Service Period :6 months and above
*Service Period :6 months and above
Line 157: Line 295:
*Salary : RM1,500 and above
*Salary : RM1,500 and above
*Ctos: below RM30K can submit.
*Ctos: below RM30K can submit.
-
 
-
 
-
== Document List ==
 
-
 
-
#YIR SOFT COPY FORMS:
 
-
* [[Media:yir-froms.pdf]]
 
-
 
-
Certified True Copy Required:
 
-
*Identification Card
 
-
*Police or Army Identification Card
 
-
*Recent 3 Months Payslips
 
-
*Certified True Copy Not Required
 
-
*Recent Bank Statement (Salary Account / Account To Receive Financing)
 
-
*Salary Deduction Authorisation Letter YIR10-i / BPA 1/79 Form
 
-
*Employment Verification Letter
 
-
*Option Letter (If applicable)
 
-
*Transfer Letter (If applicable)
 
-
*Settlement Statement (If applicable)
 
-
*Borang T228 with cop ori emloyer (2pcs) for KERAJAAN NEGERI SARAWAK payslip
 
-
 
-
 
-
*'''CONTOH ISI BORANG YIR'''
 
-
**please click : [[File:Contoh-YIR.pdf]]
 
-
 
-
== Accepted and Rejected List ==
 
-
 
-
[[Media:Rce-WM-TmList1.pdf]]
 
-
 
-
[[Media:Rce-WM-NTmList1.pdf]]
 
-
 
-
[[Media:Rce-SBH-TmList1.pdf]]
 
-
 
-
[[Media:Rce-SBH-NTmList1.pdf]]
 
-
 
-
[[Media:Rce-SWK-TmList1.pdf]]
 
-
 
-
[[Media:Rce-SWK-NTmList1.pdf]]
 
-
 
-
 
-
 
-
 
-
 
-
 
-
 
-
[[Media:TM-and-NonTM-listing.zip]] -list lama
 
-
 
-
== Calculation Sheet & Repayment Table ==
 
-
[[Media:YIR-CEF-NEW4.zip]]
 
-
 
-
 
-
== Special Note ==
 
-
*It has come to RCE's attention, complaint from customers regarding their signature is being forged! This is a REMINDER! if there is    still a customer whose complaint ,RCE will IMMEDIATE TERMINATED the MO'S and LEGAL ACTION  will be taken against the agent involved.
 
-
*We are pleased to inform you that the new guideline for customer submitting additional applications has been revised as follows with immediate effect:
 
-
'''EXISTING''' -Customers may only submit their next application once the first collection from BPA has been received by RCE.
 
-
'''NEW''' -Customers may submit their next application once the deduction has been reflected in AG's or BPA's system.
 
-
*'''With effect from 02.11.2015, please be informed that filling of all the particulars in the YIR & YYP application forms, PEN BASAH (Black ink ) is to be used. Please use 0.7 or 1.0 size of pen.'''
 
-
**Example: [[Media:YIR.pdf]]
 
-
* '''Jika mahu buat 2nd loan, pastikan potongan 1ST loan sudah ada dalam payslip.'''
 
-
* '''Gaji Bersih :RM900.00'''
 
-
* '''Opsyen Bersara untuk POLIS :55 tahun sahaja walaupun majikan beri 60 tahun'''
 
-
* '''Opsyen Bersara untuk AG    :58 tahun sahaja walaupun majikan beri 60 tahun'''
 
-
* '''Amount exceeding RM100K, will be considered on a case-to-case basis (up to RM150K).
 

Latest revision as of 09:19, 15 May 2023

Contents

Product Features

  • Location: Whole Malaysia
  • Tenure: 1 - 10 years
  • Age: 20 years old and above
  • For more details, pls click below:


Rate Segment

SEGMENT WL 5.99%

A-AG,PDRM,UPM & UITM ;for KEMAS (must be PERMANENT CONTRACT 2yrs Renew)

  • Service Period :6 months and above
  • Status : Permanent
  • Tenure : 1 - 10 years
  • Age  : 20 to 58 years
  • Age (PDRM) : 20 to 55 years
  • Payout : 87.5%
  • Adv Instalment: 1 Month
  • Financing Amount WM: RM3,000 to RM250,000(West Malaysia)
  • Financing Amount EM: RM2,500 to RM250,000 (East Malaysia)
  • Salary : RM1,500 and above
  • Ctos: below RM30K can submit.


SEGMENT U1 8.33%

A-AG,PDRM,UPM & UITM ;for KEMAS (must be PERMANENT CONTRACT 2yrs Renew)

  • Service Period :6 months and above
  • Status : Permanent
  • Tenure : 1 - 10 years
  • Age  : 20 to 58 years
  • Age (PDRM) : 20 to 55 years
  • Payout : 78.5%
  • Adv Instalment: 1 Month
  • Financing Amount WM: RM3,000 to RM250,000(West Malaysia)
  • Financing Amount EM: RM2,500 to RM250,000 (East Malaysia)
  • Salary : RM1,500 and above
  • Ctos: below RM30K can submit.


SEGMENT U2 9.99%

A-AG,PDRM,UPM & UITM ;for KEMAS (must be PERMANENT CONTRACT 2yrs Renew)

  • Service Period :6 months and above
  • Status : Permanent
  • Tenure : 1 - 10 years
  • Age  : 20 to 58 years
  • Age (PDRM) : 20 to 55 years
  • Payout : 74.5%
  • Adv Instalment: 1 Month
  • Financing Amount WM: RM3,000 to RM150,000(West Malaysia)
  • Financing Amount EM: RM2,500 to RM150,000 (East Malaysia)
  • Salary : RM1,500 and above
  • Ctos: below RM30K can submit.


SEGMENT U3 9.99%

A-AG,PDRM,UPM & UITM ;for KEMAS (must be PERMANENT CONTRACT 2yrs Renew)

  • Service Period :6 months and above
  • Status : Permanent
  • Tenure : 1 - 10 years
  • Age  : 20 to 58 years
  • Age (PDRM) : 20 to 55 years
  • Payout : 69.5%
  • Adv Instalment: 1 Month
  • Financing Amount WM: RM3,000 to RM150,000(West Malaysia)
  • Financing Amount EM: RM2,500 to RM150,000 (East Malaysia)
  • Salary : RM1,500 and above
  • Ctos: below RM30K can submit.


SEGMENT NC 7.77%

for majikan KEMAS only (must be PERMANENT CONTRACT 2yrs Renew)

  • Service Period :6 months and above
  • Status : Permanent
  • Tenure : 1 - 7 years
  • Age  : 20 to 35 years
  • Payout : 85.0%
  • Adv Instalment: 1 Month
  • Financing Amount WM: RM3,000 to RM20,000(West Malaysia)
  • Financing Amount EM: RM2,500 to RM20,000 (East Malaysia)
  • Salary : RM1,500 and above
  • Ctos: below RM30K can submit.


Document List

  1. YIR SOFT COPY FORMS:



Certified True Copy Required:

  • Identification Card
  • Police or Army Identification Card
  • Recent 3 Months Payslips
  • Certified True Copy Not Required
  • Recent Bank Statement (Salary Account / Account To Receive Financing)
  • Salary Deduction Authorisation Letter YIR10-i / BPA 1/79 Form
  • Employment Verification Letter
  • Option Letter (If applicable)
  • Transfer Letter (If applicable)
  • Settlement Statement (If applicable)
  • Borang T228 with cop ori employer (2pcs) for KERAJAAN NEGERI SARAWAK payslip


Accepted and Rejected List

Media:Rce-WM-TmList1.pdf

Media:Rce-WM-NTmList1.pdf

Media:Rce-SBH-TmList1.pdf

Media:Rce-SBH-NTmList1.pdf

Media:Rce-SWK-TmList1.pdf

Media:Rce-SWK-NTmList1.pdf


Media:TM-and-NonTM-listing.zip -list lama

Calculation Sheet & Repayment Table

Media:YIR-CEF-NEW4.zip


Special Note

  • It has come to RCE's attention, complaint from customers regarding their signature is being forged! This is a REMINDER! if there is still a customer whose complaint ,RCE will IMMEDIATE TERMINATED the MO'S and LEGAL ACTION will be taken against the agent involved.
  • We are pleased to inform you that the new guideline for customer submitting additional applications has been revised as follows with immediate effect:

EXISTING -Customers may only submit their next application once the first collection from BPA has been received by RCE. NEW -Customers may submit their next application once the deduction has been reflected in AG's or BPA's system.

  • With effect from 02.11.2015, please be informed that filling of all the particulars in the YIR & YYP application forms, PEN BASAH (Black ink ) is to be used. Please use 0.7 or 1.0 size of pen.
  • Jika mahu buat 2nd loan, pastikan potongan 1ST loan sudah ada dalam payslip.
  • Gaji Bersih :RM900.00
  • Opsyen Bersara untuk POLIS :55 tahun sahaja walaupun majikan beri 60 tahun
  • Opsyen Bersara untuk AG  :58 tahun sahaja walaupun majikan beri 60 tahun
  • Amount exceeding RM100K, will be considered on a case-to-case basis (up to RM150K).


OLD SEGMENT PACKAGE

SEGMENT WA 5.99%

A-AG, PDRM, UPM & UITM

  • Service Period :6 months and above
  • Status : Permanent
  • Tenure : 1 - 10 years
  • Age  : 20 to 58 years
  • Age (PDRM) : 20 to 55 years
  • Payout : 89%
  • Adv Instalment: 1 Month
  • Financing Amount WM: RM3,000 to RM150,000(West Malaysia)
  • Financing Amount EM: RM2,500 to RM150,000 (East Malaysia)
  • Salary : RM1,500 and above
  • Ctos: below RM30K can submit.


SEGMENT OV HALO 6.50% -INVALID

A-AG, PDRM, UPM & UITM

  • Service Period :6 months and above
  • Status : Permanent
  • Tenure : 1 - 10 years
  • Age  : 20 to 58 years
  • Age (PDRM) : 20 to 55 years
  • Payout : 90%
  • Adv Instalment: 1 Month
  • Financing Amount WM: RM3,000 to RM150,000(West Malaysia)
  • Financing Amount EM: RM2,500 to RM150,000 (East Malaysia)
  • Salary : RM1,500 and above
  • Ctos: below RM30K can submit.


SEGMENT I1 6.99% -INVALID

A-AG, PDRM, UPM & UITM

  • Service Period :6 months and above
  • Status : Permanent
  • Tenure : 1 - 10 years
  • Age  : 20 to 58 years
  • Age (PDRM) : 20 to 55 years
  • Payout : 85%
  • Adv Instalment: 1 Month
  • Financing Amount WM: RM3,000 to RM150,000(West Malaysia)
  • Financing Amount EM: RM2,500 to RM150,000 (East Malaysia)
  • Salary : RM1,500 and above
  • Ctos: below RM30K can submit.


SEGMENT I7 7.99% -INVALID

A-AG, PDRM, UPM & UITM

  • Service Period :6 months and above
  • Status : Permanent
  • Tenure : 1 - 10 years
  • Age  : 20 to 58 years
  • Age (PDRM) : 20 to 55 years
  • Payout : 80%
  • Adv Instalment: 1 Month
  • Financing Amount WM: RM3,000 to RM150,000(West Malaysia)
  • Financing Amount EM: RM2,500 to RM150,000 (East Malaysia)
  • Salary : RM1,500 and above
  • Ctos: below RM30K can submit.


SEGMENT I8 8.99%

A-AG, PDRM, UPM & UITM

  • Service Period :6 months and above
  • Status : Permanent
  • Tenure : 1 - 10 years
  • Age  : 20 to 58 years
  • Age (PDRM) : 20 to 55 years
  • Payout : 79%
  • Adv Instalment: 1 Month
  • Financing Amount WM: RM3,000 to RM150,000(West Malaysia)
  • Financing Amount EM: RM2,500 to RM150,000 (East Malaysia)
  • Salary : RM1,500 and above
  • Ctos: below RM30K can submit.


SEGMENT I3 9.99%

A-AG, PDRM, UPM & UITM

  • Service Period :6 months and above
  • Status : Permanent
  • Tenure : 1 - 10 years
  • Age  : 20 to 58 years
  • Age (PDRM) : 20 to 55 years
  • Payout : 78%
  • Adv Instalment: 1 Month
  • Financing Amount WM: RM3,000 to RM150,000(West Malaysia)
  • Financing Amount EM: RM2,500 to RM150,000 (East Malaysia)
  • Salary : RM1,500 and above
  • Ctos: below RM30K can submit.


SEGMENT I4 9.99%

A-AG, PDRM, UPM & UITM

  • Service Period :6 months and above
  • Status : Permanent
  • Tenure : 1 - 10 years
  • Age  : 20 to 58 years
  • Age (PDRM) : 20 to 55 years
  • Payout : 75%
  • Adv Instalment: 1 Month
  • Financing Amount WM: RM3,000 to RM150,000(West Malaysia)
  • Financing Amount EM: RM2,500 to RM150,000 (East Malaysia)
  • Salary : RM1,500 and above
  • Ctos: below RM30K can submit.


SEGMENT GU PRESS 7.99%

A-AG, PDRM, UPM & UITM

  • Service Period :6 months and above
  • Status : Permanent
  • Tenure : 1 - 10 years
  • Age  : 20 to 58 years
  • Age (PDRM) : 20 to 55 years
  • Payout : 81%
  • Adv Instalment: 3 Months
  • Financing Amount WM: RM3,000 to RM150,000(West Malaysia)
  • Financing Amount EM: RM2,500 to RM150,000 (East Malaysia)
  • Salary : RM1,500 and above
  • Ctos: below RM30K can submit.


SEGMENT GV PRESS 8.99%

A-AG, PDRM, UPM & UITM

  • Service Period :6 months and above
  • Status : Permanent
  • Tenure : 1 - 10 years
  • Age  : 20 to 58 years
  • Age (PDRM) : 20 to 55 years
  • Payout : 80%
  • Adv Instalment: 3 Months
  • Financing Amount WM: RM3,000 to RM150,000(West Malaysia)
  • Financing Amount EM: RM2,500 to RM150,000 (East Malaysia)
  • Salary : RM1,500 and above
  • Ctos: below RM30K can submit.


SEGMENT GW PRESS 9.99%

A-AG, PDRM, UPM & UITM

  • Service Period :6 months and above
  • Status : Permanent
  • Tenure : 1 - 10 years
  • Age  : 20 to 58 years
  • Age (PDRM) : 20 to 55 years
  • Payout : 75%
  • Adv Instalment: 3 Months
  • Financing Amount WM: RM3,000 to RM100,000(West Malaysia)
  • Financing Amount EM: RM2,500 to RM100,000 (East Malaysia)
  • Salary : RM1,500 and above
  • Ctos: below RM30K can submit.
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