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                         
* Interest Rate
* Interest Rate
** 2 to 5 years: 5.99%
** 2 to 5 years: 5.99%
-
** 6 to 16 years: 4.99%
+
** 6 to 10 years: 3.99%
-
* Payout: 100% (tiada potongan)
+
* Payout: 97%- 1 month installment
* Employment Status:  
* Employment Status:  
-
** Kerani Keatas - 2 years
+
**Work for at least 1 year
-
** Pekerja Am Rendah(PAR) - 3 years
+
* Tenure: 2 to 20 years
-
** Pegawai Keselamatan - 3 years
+
* Finance: Min RM2,000 to RM150000
-
** Tukang Masak - 3 years
+
* Salary: RM2000 and above only
-
** Driver - 3 years
+
-
* Tenure: 2 to 15 years
+
-
* Finance: Min RM5,000 to RM200,000
+
-
* Salary: RM900 and above only
+
* Age: 18 years and above
* Age: 18 years and above
-
* Expired Facility: 58 years old (with Option letter)
+
* Expired Facility: 60 years old (with Option letter)
* Yuran: Waived
* Yuran: Waived
* Blacklist: RM25,000 and below (More than RM25,000 - REJECT)
* Blacklist: RM25,000 and below (More than RM25,000 - REJECT)
-
* CCRIS: Waived
+
* CCRIS: MIA not more then 2 months
* TAT: 2 - 3 weeks
* TAT: 2 - 3 weeks
 +
 +
== Special Requirement==
 +
# 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 ==
== Target Market ==
Line 28: Line 38:
# 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  ==
Line 71: Line 85:
# Utility Bil
# Utility Bil
-
== Factor Ikhtiar - KFH 4.99% - 100% ==
+
== 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% ==
{| class="wikitable" style="text-align:center"
{| class="wikitable" style="text-align:center"
! YEARS !! MONTH !! RATE !! FACTOR
! YEARS !! MONTH !! RATE !! FACTOR
|-
|-
! 2
! 2
-
| 24 || 5.99% || 19.61
+
| 24 || 5.99% || 19.26
|-
|-
! 3
! 3
-
| 36 || 5.99% || 28.99
+
| 36 || 5.99% || 28.25
|-
|-
! 4
! 4
-
| 48 || 5.99% || 37.60
+
| 48 || 5.99% || 36.38
|-
|-
! 5
! 5
-
| 60 || 5.99% || 45.51
+
| 60 || 5.99% || 43.75
|-
|-
! 6
! 6

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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