Ikhtiar - KFH

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== Pre Sales checking ==
 +
# To assist in speeding up the process, just email us at coshare@msssb.com for Pre Sales Checking. Attached together the following documents:
 +
** Customer's I/C (front & back)
 +
** Pay Slip (latest)
 +
** Agreement Form - Page 1 & 2- [[File:ikhtiarsample1.jpg]]
 +
[[File:ikhtiarsample2.jpg]]
 +
** Option Letter for customer over 55 years. (if necessary)
 +
** Redemption Settlement (RS) for Overlap Case (if necessary)
 +
# We will inform you within 4-5 working days on the eligibility.Once you have obtained the approval,
 +
you have to submit the complete full set of documents to us to process for submission.
 +
== Product Features ==
== Product Features ==
-
* Location : WEST MALAYSIA ONLY
+
* Location: WEST MALAYSIA ONLY                      
-
* Employment Status: 1 Year and Above.(Tetap Only)                         
+
* Interest Rate
-
* Interest Rate: 4.99%
+
** 2 to 5 years: 5.99%
-
* Payout: 100% (tiada potongan)
+
** 6 to 10 years: 3.99%
-
* Tenure: Min 2 year - Max 20 years
+
* Payout: 97%- 1 month installment
-
* Finance: Min RM5,000 to RM200,000
+
* Employment Status:
-
* Salary: RM500 and above only
+
**Work for at least 1 year
 +
* Tenure: 2 to 20 years
 +
* Finance: Min RM2,000 to RM150000
 +
* Salary: RM2000 and above only
* Age: 18 years and above
* Age: 18 years and above
-
* Expired Facility: 58 years old
+
* Expired Facility: 60 years old (with Option letter)
-
* Yuran: RM30
+
* Yuran: Waived
-
* CTOS: below RM30,000.
+
* Blacklist: RM25,000 and below (More than RM25,000 - REJECT)
 +
* CCRIS: MIA not more then 2 months
 +
* TAT: 2 - 3 weeks
-
== Types Of Employer ==
+
== Special Requirement==
-
# Ag Federal
+
# For customers who make a second loan, it is compulsory to overlap the first loan and must attach a new BPA and confirmation letter.
 +
 
 +
== Target Market ==
 +
# AG Federal
# State Government
# State Government
-
# All Majlis(Majlis Kerajaan Negeri)
+
# All Majlis (Majlis Kerajaan Negeri)
# Yayasan
# Yayasan
-
#Lembaga
+
# Lembaga
-
#Government Universities
+
# Government Universities
-
# Police - 50%(Untuk 60% perlu surat Kebenaran 60% dari majikan)
+
# PDRM - 50% (Untuk 60% perlu surat kebenaran 60% dari majikan)
 +
# JAWATAN PERGAWAL KESELAMATAN- REJECT
 +
# JAWATAN TUKANG- CASE BY CASE
 +
# JAWATAN PRA ( ACCEPT KERJA 3 TAHUN KEATAS)
 +
# JAWATAN POSMAN -REJECT
== Nama Agensi Dibenarkan  ==
== Nama Agensi Dibenarkan  ==
-
#Pejabat Tanah Kota Setar
+
# Pejabat Tanah Kota Setar
-
#DBKL
+
# DBKL
-
#NIOSH
+
# NIOSH
-
#Jabatan Hal Ehwal Agama Islam Kedah
+
# Jabatan Hal Ehwal Agama Islam Kedah
-
#Kumpulan Wang Persaraan
+
# Kumpulan Wang Persaraan
-
#Perbadanan Perpustakaan Negeri Kedah Dan Terengganu
+
# Perbadanan Perpustakaan Negeri Kedah Dan Terengganu
-
#Dewan Bahasa & Pustaka
+
# Dewan Bahasa & Pustaka
-
#Perpustakaan Negara
+
# Perpustakaan Negara
-
#Fama
+
# Fama
-
#Perbadanan Putrajaya
+
# Perbadanan Putrajaya
-
#Tourism Malaysia(TDC)
+
# Tourism Malaysia (TDC)
-
#Kementerian Kebudayaan Kerajaan Negeri/ Istana Budaya
+
# Kementerian Kebudayaan Kerajaan Negeri/ Istana Budaya
-
#Perbadanan Bioteknologi Malaysia, Melaka
+
# Perbadanan Bioteknologi Malaysia, Melaka
-
#MARA(kecuali staff kenderaan bas MARA)
+
# MARA (kecuali staff kenderaan bas MARA)
-
#Universiti Kebangsaan Malaysia(Pengesahan oleh Unit:Pn Jamilah/En Nizam)
+
# Universiti Kebangsaan Malaysia (Pengesahan oleh Unit: Pn Jamilah/En Nizam)
-
#Unimap
+
# Unimap
-
#Universiti Pertahanan Nasional
+
# Universiti Pertahanan Nasional
-
#Unisel -Universiti Industri Selangor
+
# Unisel - Universiti Industri Selangor
-
#Majlis Daerah Pendang(Kelayakan 50%)
+
# Majlis Daerah Pendang (Kelayakan 50%)
== Organisasi Tidak Dibenarkan  ==
== Organisasi Tidak Dibenarkan  ==
-
#Majlis Sukan Negara
+
# Majlis Sukan Negara
-
#Majlis Perbandaran Manjung
+
# Majlis Perbandaran Manjung
-
#Majlis Bandaraya Melaka Bersejarah
+
# Majlis Bandaraya Melaka Bersejarah
-
#Semua Kakitangan 'IMG' DBKL, Majlis Daerah dan Tempatan.
+
# Semua Kakitangan 'IMG' DBKL, Majlis Daerah dan Tempatan.
-
#Semua Jabatan GLC Contoh:-Telekom, TNB dan POS.
+
# Semua Jabatan GLC (Contoh:Telekom, TNB dan POS)
-
#Semua Kakitangan Majlis Yg berjawatan Pekerja Awam/ Pekerja Rendah Awam Diswastakan(Majlis Negeri Utara M'sia)
+
-
#Semua Kakitangan dari kategori jawatan - Pekerja Rendah Awam, Pekerja Am Rendah, Pembantu Pejabat, Despatch, Pembantu Am Pejabat, Pengawal Keselamatan Dan Pemandu.(untuk bekerja kurang daripada 3 tahun) untuk kakitangan yang bekerja lebih  daripada 3 tahun layak memohon.
+
== Document List ==
== Document List ==
-
# Ikhtiar Agreement(Page 1 - 5)
+
# Ikhtiar Agreement (Page 1 - 5)
# Surat Pengesahan Cop Jari + Alamat
# Surat Pengesahan Cop Jari + Alamat
# BPA - 2 copies
# BPA - 2 copies
-
# Photocopy of IC(disahkan majikan) - 2 copies
+
# Photocopy of IC (disahkan majikan) - 2 copies
-
# Payslip original - 1 copy  
+
# Payslip original - 1 copy (if available)
-
# Payslip photocopy(disahkan majikan)(3 copies) for 3 months
+
# Payslip photocopy (disahkan majikan)(3 copies) for 3 months
# Pengesahan Jawatan
# Pengesahan Jawatan
# Bank Account copy
# Bank Account copy
-
# Settlement statement(if any)
+
# Settlement statement (if any)
-
# Opsyen Letter(if any)
+
# Opsyen Letter (if any)
# Utility Bil
# Utility Bil
-
== Target Market ==  
+
== Allowances ==
-
* All Government servant
+
=== Accepted List ===
 +
'''Fixed Allowance'''
 +
* Imbuhan Tetap Perkhidmatan Awam
 +
* Imbuhan Perumahan
 +
* Bantuan Sara Hidup
 +
* Elaun Keraian
 +
 
 +
'''Case by Case Basis'''
 +
* Elaun BI Wilayah
 +
* Elaun Motosikal
 +
* Elaun Menyelam
 +
* Elaun Post Basik
 +
* Elaun Penguat Kuasa
 +
 
 +
=== Rejected List ===
 +
* Elaun Lebih Masa (OT)
 +
* Imbuhan Tahunan (Bonus)
 +
* Tunggakan (Arrears)
 +
* Elaun Memangku
 +
* Elaun Tanggungan
 +
* Elaun Jahitan
 +
* Elaun Warden
 +
(This list will be updated from time to time)
 +
 
 +
== Factor Ikhtiar - KFH 4.99% / 5.99% - 100% ==
 +
{| class="wikitable" style="text-align:center"
 +
! YEARS !! MONTH !! RATE !! FACTOR
 +
|-
 +
! 2
 +
| 24 || 5.99% || 19.26
 +
|-
 +
! 3
 +
| 36 || 5.99% || 28.25
 +
|-
 +
! 4
 +
| 48 || 5.99% || 36.38
 +
|-
 +
! 5
 +
| 60 || 5.99% || 43.75
 +
|-
 +
! 6
 +
| 72 || 4.99% || 52.81
 +
|-
 +
! 7
 +
| 84 || 4.99% || 59.58
 +
|-
 +
! 8
 +
| 96 || 4.99% || 65.86
 +
|-
 +
! 9
 +
| 108 || 4.99% || 71.71
 +
|-
 +
! 10
 +
| 120 || 4.99% || 77.18
 +
|-
 +
! 11
 +
| 132 || 4.99% || 82.28
 +
|-
 +
! 12
 +
| 144 || 4.99% || 87.08
 +
|-
 +
! 13
 +
| 156 || 4.99% || 91.58
 +
|-
 +
! 14
 +
| 168 || 4.99% || 95.81
 +
|-
 +
! 15
 +
| 180 || 4.99% || 99.81
 +
|-
 +
! 16
 +
| 192 || 4.99% || 103.58
 +
|-
 +
! 17
 +
| 204 || 4.99% || 107.15
 +
|-
 +
! 18
 +
| 216 || 4.99% || 110.53
 +
|-
 +
! 19
 +
| 228 || 4.99% || 113.74
 +
|-
 +
! 20
 +
| 240 || 4.99% || 116.78
 +
|}
 +
 
 +
* Available Deduction = (Salary x 60%) - Deduction at Payslip + Redemption (settlement)
 +
* Loan Eligible = Available Deduction x Factor
 +
* In Hand = Loan Eligible x 100%

Latest revision as of 07:43, 25 December 2013

Contents

Pre Sales checking

  1. To assist in speeding up the process, just email us at coshare@msssb.com for Pre Sales Checking. Attached together the following documents:
    • Customer's I/C (front & back)
    • Pay Slip (latest)
    • Agreement Form - Page 1 & 2- Ikhtiarsample1.jpg

Ikhtiarsample2.jpg

    • Option Letter for customer over 55 years. (if necessary)
    • Redemption Settlement (RS) for Overlap Case (if necessary)
  1. We will inform you within 4-5 working days on the eligibility.Once you have obtained the approval,

you have to submit the complete full set of documents to us to process for submission.

Product Features

  • Location: WEST MALAYSIA ONLY
  • Interest Rate
    • 2 to 5 years: 5.99%
    • 6 to 10 years: 3.99%
  • Payout: 97%- 1 month installment
  • Employment Status:
    • Work for at least 1 year
  • Tenure: 2 to 20 years
  • Finance: Min RM2,000 to RM150000
  • Salary: RM2000 and above only
  • Age: 18 years and above
  • Expired Facility: 60 years old (with Option letter)
  • Yuran: Waived
  • Blacklist: RM25,000 and below (More than RM25,000 - REJECT)
  • CCRIS: MIA not more then 2 months
  • TAT: 2 - 3 weeks

Special Requirement

  1. For customers who make a second loan, it is compulsory to overlap the first loan and must attach a new BPA and confirmation letter.

Target Market

  1. AG Federal
  2. State Government
  3. All Majlis (Majlis Kerajaan Negeri)
  4. Yayasan
  5. Lembaga
  6. Government Universities
  7. PDRM - 50% (Untuk 60% perlu surat kebenaran 60% dari majikan)
  8. JAWATAN PERGAWAL KESELAMATAN- REJECT
  9. JAWATAN TUKANG- CASE BY CASE
  10. JAWATAN PRA ( ACCEPT KERJA 3 TAHUN KEATAS)
  11. JAWATAN POSMAN -REJECT

Nama Agensi Dibenarkan

  1. Pejabat Tanah Kota Setar
  2. DBKL
  3. NIOSH
  4. Jabatan Hal Ehwal Agama Islam Kedah
  5. Kumpulan Wang Persaraan
  6. Perbadanan Perpustakaan Negeri Kedah Dan Terengganu
  7. Dewan Bahasa & Pustaka
  8. Perpustakaan Negara
  9. Fama
  10. Perbadanan Putrajaya
  11. Tourism Malaysia (TDC)
  12. Kementerian Kebudayaan Kerajaan Negeri/ Istana Budaya
  13. Perbadanan Bioteknologi Malaysia, Melaka
  14. MARA (kecuali staff kenderaan bas MARA)
  15. Universiti Kebangsaan Malaysia (Pengesahan oleh Unit: Pn Jamilah/En Nizam)
  16. Unimap
  17. Universiti Pertahanan Nasional
  18. Unisel - Universiti Industri Selangor
  19. Majlis Daerah Pendang (Kelayakan 50%)

Organisasi Tidak Dibenarkan

  1. Majlis Sukan Negara
  2. Majlis Perbandaran Manjung
  3. Majlis Bandaraya Melaka Bersejarah
  4. Semua Kakitangan 'IMG' DBKL, Majlis Daerah dan Tempatan.
  5. Semua Jabatan GLC (Contoh:Telekom, TNB dan POS)

Document List

  1. Ikhtiar Agreement (Page 1 - 5)
  2. Surat Pengesahan Cop Jari + Alamat
  3. BPA - 2 copies
  4. Photocopy of IC (disahkan majikan) - 2 copies
  5. Payslip original - 1 copy (if available)
  6. Payslip photocopy (disahkan majikan)(3 copies) for 3 months
  7. Pengesahan Jawatan
  8. Bank Account copy
  9. Settlement statement (if any)
  10. Opsyen Letter (if any)
  11. Utility Bil

Allowances

Accepted List

Fixed Allowance

  • Imbuhan Tetap Perkhidmatan Awam
  • Imbuhan Perumahan
  • Bantuan Sara Hidup
  • Elaun Keraian

Case by Case Basis

  • Elaun BI Wilayah
  • Elaun Motosikal
  • Elaun Menyelam
  • Elaun Post Basik
  • Elaun Penguat Kuasa

Rejected List

  • Elaun Lebih Masa (OT)
  • Imbuhan Tahunan (Bonus)
  • Tunggakan (Arrears)
  • Elaun Memangku
  • Elaun Tanggungan
  • Elaun Jahitan
  • Elaun Warden

(This list will be updated from time to time)

Factor Ikhtiar - KFH 4.99% / 5.99% - 100%

YEARS MONTH RATE FACTOR
2 24 5.99% 19.26
3 36 5.99% 28.25
4 48 5.99% 36.38
5 60 5.99% 43.75
6 72 4.99% 52.81
7 84 4.99% 59.58
8 96 4.99% 65.86
9 108 4.99% 71.71
10 120 4.99% 77.18
11 132 4.99% 82.28
12 144 4.99% 87.08
13 156 4.99% 91.58
14 168 4.99% 95.81
15 180 4.99% 99.81
16 192 4.99% 103.58
17 204 4.99% 107.15
18 216 4.99% 110.53
19 228 4.99% 113.74
20 240 4.99% 116.78
  • Available Deduction = (Salary x 60%) - Deduction at Payslip + Redemption (settlement)
  • Loan Eligible = Available Deduction x Factor
  • In Hand = Loan Eligible x 100%
Retrieved from "http://mss.enrii.net/Internal/index.php/Ikhtiar_-_KFH"
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