Al Rajhi - Mass Market

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(→Employment Status A - GENERIC (employee))
(→Employment Status A - GENERIC (employee))
Line 31: Line 31:
* Financing Limit        : 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Limit        : 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure      : 2-5 years
* Financing Tenure      : 2-5 years
-
* Age                    : Min 21 years old based on year of Birth
+
* Age                    :  
 +
** Min 21 years old based on year of Birth
 +
** Max 55 years old
* Employment Status      : Permanent
* Employment Status      : Permanent
* Employment Length      : Minimum 1 year
* Employment Length      : Minimum 1 year
Line 38: Line 40:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty            : Min RM10 or 0.5% whichever is higher
** Stamp Duty            : Min RM10 or 0.5% whichever is higher
-
** Takaful              : Takaful Coverrage
+
** Takaful              : Takaful Coverage
* Installment Payment    : Auto Debit (IBG) or pay over the counter
* Installment Payment    : Auto Debit (IBG) or pay over the counter
* Nationality            : Malaysia residents with a local residential & local correspondence address
* Nationality            : Malaysia residents with a local residential & local correspondence address
Line 45: Line 47:
# Latest 3 month payslip
# Latest 3 month payslip
# 2 copies  of NRIC (both side)
# 2 copies  of NRIC (both side)
-
# Utility Bill -If the current address doesn't tally with the address in the NRIC-Items A,B&C (All documents must endorse by HR/Finance/Admin/Branch/Dept-Div Head and endorsement must have company's stamp with address,name,signature and designation)
+
# Utility Bill -If the current address doesn't tally with the address in the NRIC-Items 1,2&3 (All documents must endorse by HR/Finance/Admin/Branch/Dept-Div Head and endorsement must have company's stamp with address,name,signature and designation)
# Reference letter from HR (if necessary)
# Reference letter from HR (if necessary)
# Bank statement showing latest 3 months income credited into bank account (must endorse by bank's officer including the bank's name and bank's official stamped.)
# Bank statement showing latest 3 months income credited into bank account (must endorse by bank's officer including the bank's name and bank's official stamped.)
*'''Supporting Document''' (If necessary):
*'''Supporting Document''' (If necessary):
-
a) Rental Proceed (Property):
+
a) Rental Proceeds (Property):
 +
**Stamped tenancy agreement valid for at least 6 months.
 +
**Latest personal bank statements showing latest 3 consecutive
 +
== Employment Status B - GENERIC (Self Employed) ==
 +
* Rate                  : 7.25%
 +
* Financing Amount      : RM2,000 - RM10,000(MAX)
 +
* Financing Limit        : 5 times salary or customers eligibility & entitlement whichever is lower
 +
* Financing Tenure      : 2-5 years
 +
* Age                    :
 +
** Min 21 years old based on year of Birth
 +
** Max 55 years old
 +
* Employment Status      : Permanent
 +
* Employment Length      : Minimum 1 year
 +
* Processing Fess        : Waived
 +
* Deduction:
 +
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
 +
** Stamp Duty            : Min RM10 or 0.5% whichever is higher
 +
** Takaful              : Takaful Coverage
 +
* Installment Payment    : Auto Debit (IBG) or pay over the counter
 +
* Nationality            : Malaysia residents with a local residential & local correspondence address
 +
 +
*'''DOCUMENTATION''':
 +
# 2 copies  of NRIC (both side)
 +
#** Business registration
 +
** 6 months business bank statement (must endorse by Bank Officer)
 +
** Form B (Personal Income Tax Declaration)
 +
** Receipt of Tax Payment as proof
 +
#Utility Bill - If the current address doesn't tally with the address in the NRIC.
 +
*'''Supporting Document''' (If necessary):
 +
a) Rental Proceeds (Property):
**Stamped tenancy agreement valid for at least 6 months.
**Stamped tenancy agreement valid for at least 6 months.
**Latest personal bank statements showing latest 3 consecutive
**Latest personal bank statements showing latest 3 consecutive

Revision as of 09:53, 7 June 2012

Contents

Product Criteria

  • Interest Rate :

Target Market

  • Applicants without potongan biro are allowed to apply under this package.
  • Self-employed / Own business
  • Direct Sales
  • Commission Earners
  • Insurance Agents

Al Rajhi Approved Employer

AEL (Approved Employment Listing)

  • Needs only 1 month payslip
  • Payslip condition must be carbonite / logo(payslip photocopy)
  • Bank statement(must have pengesahan from bank officer)
  • Payslip without logo - perlu disahkan oleh HR(copy perlu ada 1)nama pic 2)Jawatan 3)nama company/alamat)

EEL (E Employment Listing)

  • Do not need to have pengesahan jawatan.
  • Foreigner can apply - gaji must be RM15k and above.

Sdn Bhd Company

  • Needs 3 month payslip
  • Needs 3 months bank statement(to show gaji)
  • Certain Company must have verification letter(with letter head) address under Alrajhi Bank

Employment Status A - GENERIC (employee)

  • Rate  : 7.25% (Income more than 10K-rate:6.5%)
  • Financing Amount  : RM2,000 - RM15,000(MAX)
  • Financing Limit  : 5 times salary or customers eligibility & entitlement whichever is lower
  • Financing Tenure  : 2-5 years
  • Age  :
    • Min 21 years old based on year of Birth
    • Max 55 years old
  • Employment Status  : Permanent
  • Employment Length  : Minimum 1 year
  • Processing Fess  : Waived
  • Deduction:
    • Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
    • Stamp Duty  : Min RM10 or 0.5% whichever is higher
    • Takaful  : Takaful Coverage
  • Installment Payment  : Auto Debit (IBG) or pay over the counter
  • Nationality  : Malaysia residents with a local residential & local correspondence address
  • DOCUMENTATION:
  1. Latest 3 month payslip
  2. 2 copies of NRIC (both side)
  3. Utility Bill -If the current address doesn't tally with the address in the NRIC-Items 1,2&3 (All documents must endorse by HR/Finance/Admin/Branch/Dept-Div Head and endorsement must have company's stamp with address,name,signature and designation)
  4. Reference letter from HR (if necessary)
  5. Bank statement showing latest 3 months income credited into bank account (must endorse by bank's officer including the bank's name and bank's official stamped.)
  • Supporting Document (If necessary):

a) Rental Proceeds (Property):

    • Stamped tenancy agreement valid for at least 6 months.
    • Latest personal bank statements showing latest 3 consecutive

Employment Status B - GENERIC (Self Employed)

  • Rate  : 7.25%
  • Financing Amount  : RM2,000 - RM10,000(MAX)
  • Financing Limit  : 5 times salary or customers eligibility & entitlement whichever is lower
  • Financing Tenure  : 2-5 years
  • Age  :
    • Min 21 years old based on year of Birth
    • Max 55 years old
  • Employment Status  : Permanent
  • Employment Length  : Minimum 1 year
  • Processing Fess  : Waived
  • Deduction:
    • Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
    • Stamp Duty  : Min RM10 or 0.5% whichever is higher
    • Takaful  : Takaful Coverage
  • Installment Payment  : Auto Debit (IBG) or pay over the counter
  • Nationality  : Malaysia residents with a local residential & local correspondence address
  • DOCUMENTATION:
  1. 2 copies of NRIC (both side)
      • Business registration
    • 6 months business bank statement (must endorse by Bank Officer)
    • Form B (Personal Income Tax Declaration)
    • Receipt of Tax Payment as proof
  1. Utility Bill - If the current address doesn't tally with the address in the NRIC.
  • Supporting Document (If necessary):

a) Rental Proceeds (Property):

    • Stamped tenancy agreement valid for at least 6 months.
    • Latest personal bank statements showing latest 3 consecutive
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