RHB - PENCEN

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(Product Features)
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* Location: Whole Malaysia  
* Location: Whole Malaysia  
* Interest Rate:5.00%
* Interest Rate:5.00%
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* Payout : Loan Amount Less RM80 - Less Insurance
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* Payout: Loan Amount - RM80 - Less Insurance
-
* Tenure:
+
* Tenure: 3 to 15 years
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**Min - 3 yrs
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* Max age at end of tenure: 70 years old
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**Max - 15 years or Age 70 years (which ever comes first)
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* Age: Max Age to apply: 66 years 9 months
* Age: Max Age to apply: 66 years 9 months

Revision as of 03:52, 4 June 2012

Contents

Product Features

  • Location: Whole Malaysia
  • Interest Rate:5.00%
  • Payout: Loan Amount - RM80 - Less Insurance
  • Tenure: 3 to 15 years
  • Max age at end of tenure: 70 years old
  • 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)

Application Form Downloads

You can download and print application form on your own.

Notes:

  • Letter of Offer - 3 sets
  • Other forms - 1 set
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