RHB - PENCEN

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== Computation ==
== Computation ==
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* Gross Pension - Deduction (House-if any)
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=== Loan Amount Eligibility ===
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** Balance x 50%
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* Available Deduction = (Gross Pension - Deduction (House-if any)) x 50%
** Month (ELIGIBILITY)
** Month (ELIGIBILITY)
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*'''Example for customer with house deduction:'''
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* Example for customer with house deduction:
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    RM1000.00(Pension Amount) - RM300.00 (potongan rumah)
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** Available Deduction = RM1000.00 (Pension Amount) - RM300.00 (potongan rumah) x 50% = RM350.00 (Kelayakan)
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    = RM700.00
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** Refer to repayment table (RM350.00) to get loan amount
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    RM700.00 X 50%
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* Example for customer without deduction:
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    = RM350.00 (Kelayakan)- Refer to repayment table to get loan.
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** Available Deduction = RM1000.00 x 50% = RM500.00 (Kelayakan)
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*'''Example for customer without deduction:'''
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** Refer to repayment table (RM500.00) to get loan amount
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    RM1000.00 x 50%
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-
    = RM500.00 (Kelayakan)- Refer to repayment table to get loan.
+
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* '''Insurance Calculation'''
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=== Takaful Calculation ===
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* '''Example to calculate insurance amount:'''
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* Example to calculate insurance amount:
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** Age     : 55 yrs(Pemohon)
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** Age : 55 yrs(Pemohon)
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** Tenure : 10 years
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** Tenure : 10 years
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** Loan   : RM10K
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** Loan : RM10,000.00
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*** Factor (refer table) x Loan Amount ÷ 1000.00
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** Takaful = Factor (refer table) x Loan Amount ÷ 1000.00
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*** 62.23 x 10000.00 ÷ 1000.00'
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** Insurance = 62.23 x 10,000.00 ÷ 1,000.00 = 622.30
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*** Takaful = 622.30
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== Document Required ==
== Document Required ==

Revision as of 03:59, 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
  • Max Age to apply: 66 years 9 months
  • Financing Amount: RM5,000 to RM100,000
  • Pension Amount: RM750.00 and above

Computation

Loan Amount Eligibility

  • Available Deduction = (Gross Pension - Deduction (House-if any)) x 50%
    • Month (ELIGIBILITY)
  • Example for customer with house deduction:
    • Available Deduction = RM1000.00 (Pension Amount) - RM300.00 (potongan rumah) x 50% = RM350.00 (Kelayakan)
    • Refer to repayment table (RM350.00) to get loan amount
  • Example for customer without deduction:
    • Available Deduction = RM1000.00 x 50% = RM500.00 (Kelayakan)
    • Refer to repayment table (RM500.00) to get loan amount

Takaful Calculation

  • Example to calculate insurance amount:
    • Age : 55 yrs(Pemohon)
    • Tenure : 10 years
    • Loan : RM10,000.00
    • Takaful = Factor (refer table) x Loan Amount ÷ 1000.00
    • Insurance = 62.23 x 10,000.00 ÷ 1,000.00 = 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
Retrieved from "http://mss.enrii.net/Internal/index.php/RHB_-_PENCEN"
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