RHB - PENCEN
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* Payout : Loan Amount Less RM80 - Less Insurance | * Payout : Loan Amount Less RM80 - Less Insurance | ||
* Tenure: | * Tenure: | ||
- | **Min- 3 yrs | + | **Min - 3 yrs |
- | **Max- 15 years or Age 70 years (which ever comes first) | + | **Max - 15 years or Age 70 years (which ever comes first) |
* Age: Max Age to apply: 66 years 9 months | * Age: Max Age to apply: 66 years 9 months |
Revision as of 01:22, 1 June 2012
Product Features
- Location: Whole Malaysia
- Interest Rate:5.00%
- Payout : Loan Amount Less RM80 - Less Insurance
- Tenure:
- Min - 3 yrs
- Max - 15 years or Age 70 years (which ever comes first)
- Age: Max Age to apply: 66 years 9 months
- Financing Amount: RM5,000 to RM100,000
- Pension Amount: RM750.00 and above
Computation
- Gross Pension - Deduction (House-if any)
- Balance x 50%
- Month (ELIGIBILITY)
- Example for customer with house deduction:
RM1000.00(Pension Amount) - RM300.00 (potongan rumah) = RM700.00 RM700.00 X 50% = RM350.00 (Kelayakan)- Refer to repayment table to get loan.
- Example for customer without deduction:
RM1000.00 x 50% = RM500.00 (Kelayakan)- Refer to repayment table to get loan.
- Insurance Calculation
- Example to calculate insurance amount:
- Age : 55 yrs(Pemohon)
- Tenure : 10 years
- Loan : RM10K
- Factor (refer table) x Loan Amount ÷ 1000.00
- 62.23 x 10000.00 ÷ 1000.00'
- Takaful = 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
- RHB Islamic Saving Account
- Balu (Tidak perlu I/C Suami)