RCE - Yayasan

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* Location: Whole Malaysia (Sabah & Sarawak - Commission less 1%)
* Location: Whole Malaysia (Sabah & Sarawak - Commission less 1%)
* Interest Rate:
* Interest Rate:
-
** Permanent & Work > 3 years: 4.99%
+
** Permanent-Work > 3 years & salary above RM3800.00 : 4.99%
-
** Permanent & Work < 3 years: 5.99%
+
** Permanent-Work < 3 years & salary below than RM3800.00 : 5.99%
** Contract & Work > 1 year: 7.88% (Kontrak Bersambung)
** Contract & Work > 1 year: 7.88% (Kontrak Bersambung)
* Payout:
* Payout:
Line 30: Line 30:
# BPA
# BPA
# Surat Pengesahan Majikan
# Surat Pengesahan Majikan
 +
== Payslip Expiry Date ==
== Payslip Expiry Date ==
Line 36: Line 37:
== Allowances ==
== Allowances ==
=== Accepted List ===
=== 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 ===
=== Rejected List ===
 +
* Elaun Lebih Masa (OT)
 +
* Imbuhan Tahunan (Bonus)
 +
* Tunggakan (Arrears)
 +
* Elaun Pemangku
 +
* Elaun Tanggungan
 +
* Elaun Jahitan
 +
* Elaun Warden
 +
* gaji bersih bawal rm500 lepas ptg baru (project)
 +
* gaji bersih bawal rm900 (normal)
 +
(This list will be updated from time to time)
== Target Market ==
== Target Market ==
== Non Target Market ==
== Non Target Market ==
 +
* koley vokasional tanjung puteri johor (project case only)
 +
* kementerian pertahanan                (project case only)
 +
* hospital attendant
== Factor ==
== Factor ==
 +
{| class="wikitable" style="text-align:center"
 +
! YEARS !! MONTH !! FACTOR 5.99% !! FACTOR 4.99%
 +
|-
 +
! 1
 +
| 12 || 11.10 || 11.21
 +
|-
 +
! 2
 +
| 24 || 21.01 || 21.39
 +
|-
 +
! 3
 +
| 36 || 29.92 || 30.70
 +
|-
 +
! 4
 +
| 48 || 37.96 || 39.23
 +
|-
 +
! 5
 +
| 60 || 45.27 || 47.08
 +
|-
 +
! 6
 +
| 72 || 51.93 || 54.32
 +
|-
 +
! 7
 +
| 84 || 58.02 || 61.03
 +
|-
 +
! 8
 +
| 96 || 63.63 || 67.27
 +
|-
 +
! 9
 +
| 108 || 68.79 || 73.07
 +
|-
 +
! 10
 +
| 120 || 73.58 || 78.48
 +
|-
 +
! 11
 +
| 132 || 78.01 || 83.55
 +
|-
 +
! 12
 +
| 144 || 82.14 || 88.30
 +
|-
 +
! 13
 +
| 156 || 85.98 || 92.76
 +
|-
 +
! 14
 +
| 168 || 89.58 || 96.97
 +
|-
 +
! 15
 +
| 180 || 92.95 || 100.93
 +
|-
 +
! 16
 +
| 192 || 96.12 || 104.67
 +
|-
 +
! 17
 +
| 204 || 99.09 || 108.21
 +
|-
 +
! 18
 +
| 216 || 101.90 || 111.56
 +
|-
 +
! 19
 +
| 228 || 104.55 || 114.74
 +
|-
 +
! 20
 +
| 240 || 107.05 || 117.76
 +
|-
 +
! 21
 +
| 252 || 109.42 || 120.64
 +
|-
 +
! 22
 +
| 264 || 111.67 || 123.38
 +
|}
 +
 +
* Available Deduction = (Salary x 60%) - Deduction at Payslip + Redemption (settlement)
 +
* Loan Eligible = Available Deduction x Factor
 +
* In Hand (Permanent) = Loan Eligible x 92% - RM20
 +
* In Hand (Contract) = Loan Eligible x 87% - RM20
 +
 +
== Calculation Sheet & Repayment Table ==
 +
[[Media:RCE-CEF.xls]]
 +
 +
[[Media:RCE-RT.xls]]

Latest revision as of 07:26, 26 August 2015

Contents

Product Features

  • Location: Whole Malaysia (Sabah & Sarawak - Commission less 1%)
  • Interest Rate:
    • Permanent-Work > 3 years & salary above RM3800.00 : 4.99%
    • Permanent-Work < 3 years & salary below than RM3800.00 : 5.99%
    • Contract & Work > 1 year: 7.88% (Kontrak Bersambung)
  • Payout:
    • Permanent: 92% - RM20
    • Contract: 87% - RM20
  • Tenure: 1 to 22 years
  • Financing Amount: RM1,000 to RM250,000
  • Salary: RM800 and above
  • Yuran: RM20 per month
  • Age: 18 years old and above
  • Expired Facility: 60 years old
  • Blacklist (CTOS): RM25,000
  • Payslip Expiry Date: 30th of the month
  • Settlement Letter Expiry Date: At least 14 working days

Document List

  1. Senarai Semakan Bagi Permohonan
  2. Borang Permohonan Pembiayaan Tunai Syariah Page 1 - 2
  3. Borang YYP03
  4. Surat Waad untuk Pembeli
  5. Surat Perlantikan Wakil
  6. Surat Kebenaran Pembayaran
  7. Notis Serah Hak
  8. Akuan Berkanun
  9. Perjanjian Jualan Komoditi
  10. BPA
  11. Surat Pengesahan Majikan


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 Pemangku
  • Elaun Tanggungan
  • Elaun Jahitan
  • Elaun Warden
  • gaji bersih bawal rm500 lepas ptg baru (project)
  • gaji bersih bawal rm900 (normal)

(This list will be updated from time to time)

Target Market

Non Target Market

  • koley vokasional tanjung puteri johor (project case only)
  • kementerian pertahanan (project case only)
  • hospital attendant

Factor

YEARS MONTH FACTOR 5.99% FACTOR 4.99%
1 12 11.10 11.21
2 24 21.01 21.39
3 36 29.92 30.70
4 48 37.96 39.23
5 60 45.27 47.08
6 72 51.93 54.32
7 84 58.02 61.03
8 96 63.63 67.27
9 108 68.79 73.07
10 120 73.58 78.48
11 132 78.01 83.55
12 144 82.14 88.30
13 156 85.98 92.76
14 168 89.58 96.97
15 180 92.95 100.93
16 192 96.12 104.67
17 204 99.09 108.21
18 216 101.90 111.56
19 228 104.55 114.74
20 240 107.05 117.76
21 252 109.42 120.64
22 264 111.67 123.38
  • Available Deduction = (Salary x 60%) - Deduction at Payslip + Redemption (settlement)
  • Loan Eligible = Available Deduction x Factor
  • In Hand (Permanent) = Loan Eligible x 92% - RM20
  • In Hand (Contract) = Loan Eligible x 87% - RM20

Calculation Sheet & Repayment Table

Media:RCE-CEF.xls

Media:RCE-RT.xls

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