Coshare (KFH)
From Internal
(Difference between revisions)
(→Expired Date Of Slip Gaji) |
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* Location: Whole Malaysia | * Location: Whole Malaysia | ||
* Interest Rate: | * Interest Rate: | ||
| - | ** | + | ** 2 to 5 years: 5.99% |
** 6 to 20 years: 4.99% | ** 6 to 20 years: 4.99% | ||
* Payout: 100% | * Payout: 100% | ||
| - | * Tenure: Min 2 years - Max | + | * Tenure: Min 2 years - Max 20 years |
* Employment Status: Work for at least 1 year | * Employment Status: Work for at least 1 year | ||
* Finance: Min RM5,000 to RM200,000 | * Finance: Min RM5,000 to RM200,000 | ||
Revision as of 03:36, 6 February 2012
Contents |
Product Features
- Location: Whole Malaysia
- Interest Rate:
- 2 to 5 years: 5.99%
- 6 to 20 years: 4.99%
- Payout: 100%
- 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: 58 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 majikan-Ag customers dan polis tak layak
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.
Document List
- Senarai Semakan Utama
- Borang CS/PGP-1 atau CS/PGP-2
- Permohonan Pembiayaan
- Borang Pemberitahuan Permohonan
- Borang Pemberitahuan Tawaran
- Surat Agensi
- Surat Makluman
- Borang Pengesahan Butiran Jawatan
- Arahan Penyelesaian Pembiayaan Sedia Ada
- Borang AkuJanji Penentuan Had Kelayakan Pembiayaan
- Borang Kebenaran Mengenakan Fi Perkhidmatan
- Slip gaji sebenar yang terkini(Original & Salinan) - 1+3 Copies
- Salinan Slip Gaji 2 bulan seterusnya
- Salinan Kad Pengenalan/Polis
- Salinan Surat Beranak(Untuk Polis Sahaja)
- Bil Utiliti Asal Terkini(Bil Elektrik/Air/Tel) - Not Compulsary
- Salinan Buku Bank
- Penyata Penyelesaian Pinjaman Institusi Kewangan Lain
- Borang Opsyen / Surat Lanjutan Perkhidmatan
Target Market
- All AG & Polis
- State AG (yang ada di MSS System > Department Report)
- Majlis (yang ada di MSS System > Department Report)
- Lain-lain (yang ada di MSS System > Department Report)
- Police - 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 Pemangku
- Elaun Tanggungan
- Elaun Jahitan
- Elaun Warden
(This list will be updated from time to time)
| 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%
