Coshare (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:cosharesample1.jpg]]
 +
[[File:cosharesample2.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: Whole Malaysia
* Location: Whole Malaysia
-
* Interest Rate: 4.99%
+
* Interest Rate:
-
* Payout: 100%
+
** 2 to 5 years: 5.99%
 +
** 6 to 20 years: 3.99%
 +
* Payout: 97% - 1 month installment
* Tenure: Min 2 years - Max 20 years
* Tenure: Min 2 years - Max 20 years
-
* Employment Status :  
+
* Employment Status: Work for at least 1 year
-
** Kerani Keatas - 2 years
+
* Finance: Min RM5,000 to RM200,000
-
** Pekerja Am Rendah(PAR) - 3 years
+
-
** Pegawai Keselamatan - 3 years
+
-
** Tukang Masak - 3 years
+
-
** Driver - 3 years
+
-
* Finance: Min RM2,000 to RM200,000
+
* TAT: 2 - 3 weeks
* TAT: 2 - 3 weeks
* Salary: RM1,000 and above only
* Salary: RM1,000 and above only
-
* Working Experience: 1 Year and above only.
 
* Age: 19 years and above
* Age: 19 years and above
-
* Expired Facility: 58 years old
+
* Expired Facility: 60 years old
-
* Eligible Criteria: Refer to our system(under Report > Department Report) for more details.
+
* Yuran: Waived
* Yuran: Waived
-
* Blacklist: RM30,000 and below(More than RM30,000 can settle if entitle) - To provide CTOS settlement statement
+
* Blacklist: RM25,000 and below (Above RM25,000 - REJECT)
* CCRIS: Waived
* CCRIS: Waived
== Special Remarks ==
== Special Remarks ==
-
* Deduction 75%(ada pinjaman perumahan di payslip)- Mesti attach surat dari bahagian majikan-Ag customers tak layak
+
* Deduction 75%(ada pinjaman perumahan di payslip)- Mesti attach surat dari bahagian gaji-AG customers dan polis tak layak
 +
 
 +
* For 2nd account (2nd financing application without overlapping with the current KFH financing) is already approved.Kfh customers are no longer need to overlap with current KFH account before applying with new one.Customers now able to apply for 2nd account with conditions:
 +
** Deduction for the first account is already appearing in customers payslip.
 +
** Please indicate "2nd Account" at Borang Semakan Utama upon submission to us.
 +
** Still eligible for applying new financing.
== Opsyen Calculation ==
== Opsyen Calculation ==
-
* Expired Facility in opsyen 58 years old.
+
* Expired Facility in opsyen 60 years old.
** Example : 2011 - 1965 = 46
** Example : 2011 - 1965 = 46
-
** Take 58 - 1 year - 46 = 11 years.
+
** Take 60 - 1 year - 46 = 13 years.
-
** This customer is eligible for 11 years only.
+
** This customer is eligible for 13 years only.
== Document List ==
== Document List ==
Line 50: Line 61:
# Penyata Penyelesaian Pinjaman Institusi Kewangan Lain
# Penyata Penyelesaian Pinjaman Institusi Kewangan Lain
# Borang Opsyen / Surat Lanjutan Perkhidmatan
# Borang Opsyen / Surat Lanjutan Perkhidmatan
 +
# Borang GDBR
 +
# Borang KYC (Know Your Customer)
== Target Market ==  
== Target Market ==  
-
# All Ag & Polis
+
# All AG
-
# State Ag(yang ada di MSS System > Department Report)
+
# PDRM
-
# Majlis(yang ada di MSS System > Department Report)
+
# State AG (yang ada di MSS System > Department Report)
-
# Lain- lain (yang ada di MSS System > Department Report)
+
# Majlis (yang ada di MSS System > Department Report)
 +
# Lain-lain (yang ada di MSS System > Department Report)
 +
# Polis - 50% (Untuk 60% perlu surat Kebenaran 60% dari unit gaji)
 +
 
 +
== Payslip Expiry Date ==
 +
Payslip will expire every 30th of the subsequent month.
 +
 
 +
== 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 Coshare 4.99% / 5.99% - 100% ==
-
== Expired Date Of Slip Gaji ==
+
2012-12-21: The following table no longer applicable, we will update soon.
-
== Elaun - Elaun ==
+
{| class="wikitable" style="text-align:center"
-
* <u>Elaun Wilayah</u>
+
! YEARS !! MONTH !! RATE !! FACTOR
-
** Penduduk Sabah & Sarawak yang bekerja di sabah & sarawak- <B>boleh diambil kira</B>
+
|-
-
** Penduduk Sabah & Sarawak yang bekerja di Semenanjung - <B> case by case, confirmation majikan</b>
+
! 2
-
** Penduduk Semenanjung yang bekerja di Sabah & Sarawak dan Semenanjung - <b> tidak diambil kira</b>
+
| 24 || 5.99% || 19.26
-
* <u>Elaun Khas BI</u>
+
|-
-
** Case by case, Confirmation majikan
+
! 3
-
* <u>Elaun Hidup Susah</u>
+
| 36 || 5.99% || 28.25
-
** Tidak Diambil Kira
+
|-
 +
! 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
 +
|}
-
== Factor Coshare 4.99% - 100% ==
+
* Available Deduction = (Salary x 60%) - Deduction at Payslip + Redemption (settlement)
-
YEARS ..MONTH.. FACTOR
+
* Loan Eligible = Available Deduction x Factor
-
*2...........24.........19.61
+
* In Hand = Loan Eligible x 100%
-
*3...........36.........28.99
+
-
*4...........48.........37.60
+
-
*5...........60.........45.51
+
-
*6...........72.........52.81
+
-
*7...........84.........59.58
+
-
*8...........96.........65.86
+
-
*9...........108........71.71
+
-
*10..........120........77.18
+
-
*11..........132........82.28
+
-
*12..........144........87.08
+
-
*13..........156........91.58
+
-
*14..........168........95.81
+
-
*15..........180........99.81
+
-
*16..........192........103.58
+
-
*17..........204........107.15
+
-
*18..........216........110.53
+
-
*19..........228........113.74
+
-
*20..........240........116.78
+
-
* LOAN ELIGIBLE = DEDUCTION X FACTOR
+
== Calculation Sheet & Repayment Table ==
-
* IN HAND = LOAN ELIGIBLE X 100%
+
[[Media:COSHAREKFH-.xls]]

Latest revision as of 07:49, 21 December 2012

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- Cosharesample1.jpg

Cosharesample2.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: Whole Malaysia
  • Interest Rate:
    • 2 to 5 years: 5.99%
    • 6 to 20 years: 3.99%
  • Payout: 97% - 1 month installment
  • Tenure: Min 2 years - Max 20 years
  • Employment Status: Work for at least 1 year
  • Finance: Min RM5,000 to RM200,000
  • TAT: 2 - 3 weeks
  • Salary: RM1,000 and above only
  • Age: 19 years and above
  • Expired Facility: 60 years old
  • Yuran: Waived
  • Blacklist: RM25,000 and below (Above RM25,000 - REJECT)
  • CCRIS: Waived

Special Remarks

  • Deduction 75%(ada pinjaman perumahan di payslip)- Mesti attach surat dari bahagian gaji-AG customers dan polis tak layak
  • For 2nd account (2nd financing application without overlapping with the current KFH financing) is already approved.Kfh customers are no longer need to overlap with current KFH account before applying with new one.Customers now able to apply for 2nd account with conditions:
    • Deduction for the first account is already appearing in customers payslip.
    • Please indicate "2nd Account" at Borang Semakan Utama upon submission to us.
    • Still eligible for applying new financing.

Opsyen Calculation

  • Expired Facility in opsyen 60 years old.
    • Example : 2011 - 1965 = 46
    • Take 60 - 1 year - 46 = 13 years.
    • This customer is eligible for 13 years only.

Document List

  1. Senarai Semakan Utama
  2. Borang CS/PGP-1 atau CS/PGP-2
  3. Permohonan Pembiayaan
  4. Borang Pemberitahuan Permohonan
  5. Borang Pemberitahuan Tawaran
  6. Surat Agensi
  7. Surat Makluman
  8. Borang Pengesahan Butiran Jawatan
  9. Arahan Penyelesaian Pembiayaan Sedia Ada
  10. Borang AkuJanji Penentuan Had Kelayakan Pembiayaan
  11. Borang Kebenaran Mengenakan Fi Perkhidmatan
  12. Slip gaji sebenar yang terkini(Original & Salinan) - 1+3 Copies
  13. Salinan Slip Gaji 2 bulan seterusnya
  14. Salinan Kad Pengenalan/Polis
  15. Salinan Surat Beranak(Untuk Polis Sahaja)
  16. Bil Utiliti Asal Terkini(Bil Elektrik/Air/Tel) - Not Compulsary
  17. Salinan Buku Bank
  18. Penyata Penyelesaian Pinjaman Institusi Kewangan Lain
  19. Borang Opsyen / Surat Lanjutan Perkhidmatan
  20. Borang GDBR
  21. Borang KYC (Know Your Customer)

Target Market

  1. All AG
  2. PDRM
  3. State AG (yang ada di MSS System > Department Report)
  4. Majlis (yang ada di MSS System > Department Report)
  5. Lain-lain (yang ada di MSS System > Department Report)
  6. Polis - 50% (Untuk 60% perlu surat Kebenaran 60% dari unit gaji)

Payslip Expiry Date

Payslip will expire every 30th of the subsequent month.

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 Coshare 4.99% / 5.99% - 100%

2012-12-21: The following table no longer applicable, we will update soon.

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%

Calculation Sheet & Repayment Table

Media:COSHAREKFH-.xls

Retrieved from "http://mss.enrii.net/Internal/index.php/Coshare_(KFH)"
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