RHB - PENCEN
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=== Takaful Calculation === | === Takaful Calculation === | ||
- | * | + | * Sample calculation, scenario: |
** Age : 55 yrs(Pemohon) | ** Age : 55 yrs(Pemohon) | ||
** Tenure : 10 years | ** Tenure : 10 years | ||
** Loan : RM10,000.00 | ** Loan : RM10,000.00 | ||
+ | * Calculation: | ||
** Takaful = Factor (refer table) x Loan Amount ÷ 1000.00 | ** Takaful = Factor (refer table) x Loan Amount ÷ 1000.00 | ||
** Insurance = 62.23 x 10,000.00 ÷ 1,000.00 = 622.30 | ** Insurance = 62.23 x 10,000.00 ÷ 1,000.00 = 622.30 |
Revision as of 04:00, 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
- Sample calculation, scenario:
- Age : 55 yrs(Pemohon)
- Tenure : 10 years
- Loan : RM10,000.00
- Calculation:
- 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.
- Application form for Army - Media:Rhb-pension-scheme-army.zip
- Application form for JPA - Media:Rhb-pension-scheme-jpa.zip
Notes:
- Letter of Offer - 3 sets
- Other forms - 1 set