Perdanajaya - Bank Rakyat
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* Salary : No minimum amount | * Salary : No minimum amount | ||
* Age : 18 years and above | * Age : 18 years and above | ||
| - | * Expired Facility : 58 years old(with opsyen letter) | + | * Expired Facility : 58 years old (with opsyen letter) |
* Tenure: 20 Years | * Tenure: 20 Years | ||
* Koop Charges: RM400 | * Koop Charges: RM400 | ||
| Line 13: | Line 13: | ||
* Yuran: RM30 | * Yuran: RM30 | ||
* Settlement: Valid before 2 weeks | * Settlement: Valid before 2 weeks | ||
| - | * | + | * CTOS: |
**Blacklist up to RM30,000 are accepted. | **Blacklist up to RM30,000 are accepted. | ||
**Blacklist above RM30,000 can be considered on case by case basis. | **Blacklist above RM30,000 can be considered on case by case basis. | ||
| Line 32: | Line 32: | ||
# Perdanajaya Agreement (Page1-22) | # Perdanajaya Agreement (Page1-22) | ||
# BPA - 1 copy | # BPA - 1 copy | ||
| - | # Photocopy | + | # Photocopy of IC (front and back copy in 1 page) - 3 copies |
| - | # Birth Certificate(for police) - 1 copy | + | # Birth Certificate (for police) - 1 copy |
| - | # Payslip original(latest) - 1 copy | + | # Payslip original (latest) - 1 copy |
| - | # Payslip photocopy(disahkan majikan)(3 months) - 3 copies | + | # Payslip photocopy (disahkan majikan)(3 months) - 3 copies |
# Pengesahan Majikan | # Pengesahan Majikan | ||
# Bank Account copy - 1 copy | # Bank Account copy - 1 copy | ||
| - | # Settlement statement(if any) | + | # Settlement statement (if any) |
| - | # Opsyen Letter(if any) | + | # Opsyen Letter (if any) |
== Factor Perdanajaya 5.55% - 94% == | == Factor Perdanajaya 5.55% - 94% == | ||
Latest revision as of 08:10, 19 October 2011
Contents |
Product Features
- Location : Whole Malaysia
- Employment Status : 6 months and above
- Interest Rate: 5.55%
- Payout: 94% - RM400
- Finance: Min RM2,000 to RM200,000
- Salary : No minimum amount
- Age : 18 years and above
- Expired Facility : 58 years old (with opsyen letter)
- Tenure: 20 Years
- Koop Charges: RM400
- TAT: 1 month
- Yuran: RM30
- Settlement: Valid before 2 weeks
- CTOS:
- Blacklist up to RM30,000 are accepted.
- Blacklist above RM30,000 can be considered on case by case basis.
Target Market
- All government employee
- Some Jabatan/GLC/Bhd/Sdn Bhd employee(Please refer to mss system > Department Report.
Opsyen Calculation
- Expired Facility in opsyen 58 years old.
- Example : 2011 - 1965 = 46
- Take 58 - 1 year - 46 = 11 years.
- This customer is eligible for 11 years only.
Expiry Date of Payslip
Document Listing
- Perdanajaya Agreement (Page1-22)
- BPA - 1 copy
- Photocopy of IC (front and back copy in 1 page) - 3 copies
- Birth Certificate (for police) - 1 copy
- Payslip original (latest) - 1 copy
- Payslip photocopy (disahkan majikan)(3 months) - 3 copies
- Pengesahan Majikan
- Bank Account copy - 1 copy
- Settlement statement (if any)
- Opsyen Letter (if any)
Factor Perdanajaya 5.55% - 94%
| Years | Month | Factor |
|---|---|---|
| 2 | 24 | 21.17 |
| 3 | 36 | 30.24 |
| 4 | 48 | 38.48 |
| 5 | 60 | 46.02 |
| 6 | 72 | 52.92 |
| 7 | 84 | 59.26 |
| 8 | 96 | 65.13 |
| 9 | 108 | 70.55 |
| 10 | 120 | 75.59 |
| 11 | 132 | 80.29 |
| 12 | 144 | 84.67 |
| 13 | 156 | 88.77 |
| 14 | 168 | 92.59 |
| 15 | 180 | 96.20 |
| 16 | 192 | 99.60 |
| 17 | 204 | 102.83 |
| 18 | 216 | 105.82 |
| 19 | 228 | 108.70 |
| 20 | 240 | 111.42 |
- LOAN ELIGIBLE = DEDUCTION – RM30 x FACTOR
- IN HAND = LOAN ELIGIBLE x 94% - RM400
