RCE - Yayasan

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== Factor ==
== Factor ==
 +
 +
{| class="wikitable" style="text-align:center"
 +
! 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

Revision as of 08:01, 1 February 2012

Contents

[hide]

Product Features

  • Location: Whole Malaysia (Sabah & Sarawak - Commission less 1%)
  • Interest Rate:
    • Permanent & Work > 3 years: 4.99%
    • Permanent & Work < 3 years: 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

  1. Senarai Semakan Bagi Permohonan
  2. Borang Permohonan Pembiayaan Tunai Syariah Page 1 - 2
  3. Borang YYP03
  4. Surat Waad untuk Pembeli
  5. Surat Perlantikan Wakil
  6. Surat Kebenaran Pembayaran
  7. Notis Serah Hak
  8. Akuan Berkanun
  9. Perjanjian Jualan Komoditi
  10. BPA
  11. Surat Pengesahan Majikan

Payslip Expiry Date

Payslip will expire every 30th of the subsequent month.

Allowances

Accepted List

Rejected List

Target Market

Non Target Market

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
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