RHB - PENCEN

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(Loan Amount Eligibility)
(Document Required)
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* 2 Copies Card PENCEN
* 2 Copies Card PENCEN
* 1 Copy Spouse I/C (for male applicant only)
* 1 Copy Spouse I/C (for male applicant only)
-
**Sijil Kematian(Jika pemohon duda)
+
** Sijil Kematian (jika pemohon duda)
-
**Sijil Cerai(Jika pemohon sudah bercerai)
+
** Sijil Cerai (jika pemohon sudah bercerai)
* PENCEN Statement
* PENCEN Statement
* RHB Islamic Saving Account
* RHB Islamic Saving Account
-
* Balu (Tidak perlu I/C Suami)
+
* Balu (tidak perlu I/C Suami)
== Application Form Downloads ==
== Application Form Downloads ==

Revision as of 04:22, 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%
  • Example for customer with house deduction:
    • Eligible 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:
    • Eligible Deduction = RM1000.00 x 50% = RM500.00 (Kelayakan)
    • Refer to repayment table (RM500.00) to get loan amount

Takaful Calculation

  • Sample calculation, scenario:
    • Applicant Age : 55 yrs
    • 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.

Notes:

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