Kowamas - Bank Rakyat

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		+	== Product Features ==
		+	* Interest Rate:
		+	* Payout:
		+	* Tenure: Min 6 years - Max 20 years
		+	* Finance: Min RM3,000 to RM200,000
		+	* Salary: RM700 and above only
		+	* Age: 19 years and above
		+	* Expired Facility: 58 years old
		+	* Eligible Criteria:
		+	a)Ag Payslip
		+	b)Polis
		+	c)LHDN
		+	d)State AG
		+	e)Perkeso
		+	* Yuran: Waived
		+	* CTOS: RM20,000 and below.(Please provide settlement statement if customer wishes to settle)
		+	*Special Remarks: COMPULSARY TO OVERLAP 1 SETTLEMENT FOR EVERY CASE.
		+
	== Elaun Yang Layak ==		== Elaun Yang Layak ==
	* Imbuhan Tetap Perumahan(ITP)		* Imbuhan Tetap Perumahan(ITP)

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Revision as of 09:30, 21 April 2011

Contents 1 Product Features 2 Elaun Yang Layak 3 Elaun Yang Tidak Layak 4 Important Notes 5 Document List 6 Koperasi to request new settlement statement

Product Features

• Interest Rate:
• Payout:
• Tenure: Min 6 years - Max 20 years
• Finance: Min RM3,000 to RM200,000
• Salary: RM700 and above only
• Age: 19 years and above
• Expired Facility: 58 years old
• Eligible Criteria:

 a)Ag Payslip
 b)Polis
 c)LHDN
 d)State AG
 e)Perkeso

• Yuran: Waived
• CTOS: RM20,000 and below.(Please provide settlement statement if customer wishes to settle)
• Special Remarks: COMPULSARY TO OVERLAP 1 SETTLEMENT FOR EVERY CASE.

Elaun Yang Layak

• Imbuhan Tetap Perumahan(ITP)
• Imbuhan Tetap Khidmat Awam(ITKA)
• Elaun Kos Sara Hidup(COLA)
• Elaun Kritikal
• Elaun B.Inggeris(Bayaran Imbuhan Subjek Penting-BISP)
• Elaun Pelbagai(mesti sertakan Surat Pengesahan)
• Elaun Khas(semak dgn majikan)
• Elaun Udara(Bomba)
• Elaun Tetap(Bomba)
• Elaun Motosikal
• Elaun Trafik(Polis)
• Elaun PGA-Pasukan Gerakan AM(Polis)
• Elaun Khas PDRM(Polis)
• Elaun Dobi(TNB, Syabas, MAB)
• Elaun Elektrik(TNB)
• Elaun Operasi(Posmen)
• Elaun Rumah(Posmen)
• Elaun Serahan(Posmen)
• Elaun Tetap Khas Pengangkutan(TNB)
• Elaun Tanggungjawab Per Pendidikan(Guru Berjawatan)
• Elaun Keraian
• Elaun Shif(Pengawal Keselamatan)
• Elaun Teller(Pos Malaysia Sahaja)
• Elaun Basikal(Pekerja Rendah Awam)
• Elaun Pengiring(Polis Pengiring)
• Elaun Tetap Berpencen(JMF-Askar Johor)
• Elaun Ketukangan Wireless
• Elaun Penyiasat
• Elaun Menyelam(Bomba)
• Elaun Trafik Kawalan Udara
• Bayaran Insentif Pedalaman(BIP)
• Bayaran Insentif Penguatkuasa
• Bayaran Insentif Tugas Kewangan(BITK)
• Bantuan Sara Hidup
• Bantuan Sewa Rumah

Elaun Yang Tidak Layak

• Elaun Pembaca Meter(untu Syarikat Bekalan Air)
• Elaun Prestasi
• Elaun Saraan Perkeso
• Elaun Memandu Sampingan(TNB)
• Elaun Memangku/ Elaun Memangku Tetap
• Elaun Lebih Masa(Overtime)
• Elaun Terbang(TUDM)
• Elaun Tanggung Kerja
• Elaun Shif(TNB)
• Elaun Juruwang(TNB)
• Elaun Sukar
• Elaun Tanggungan
• Elaun Telefon
• Tunggakan Gaji
• Bonus
• Potongan Cukai Berjadual(PCB) adalah mengikut slip gaji terkini.

Important Notes

• Maximum eligible can go up to 75% ONLY

Document List

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

Koperasi to request new settlement statement

1. Kowaja
2. Koop Aid
3. K. Punb
4. Ukhwah
5. Koop pusamaju
6. Kobeta
7. KoIman
8. Kopesadik / Komaju
9. Kowamas
10. Kosetia
11. Koputri
12. Kuasa
13. Sejati
14. Koop Gemilang
15. CTOS : (Bank Rakyat)
16. CTOS : MBF(Cards)
17. Koop Giat Maju
18. Koperkasa