Ikhtiar - KFH

From Internal

Revision as of 12:27, 1 August 2011 (view source) 192.168.1.10 (Talk) (→Factor Ikhtiar - KFH 4.99% - 100%) ← Older edit		Revision as of 12:28, 1 August 2011 (view source) 192.168.1.10 (Talk) (→Factor Ikhtiar - KFH 4.99% - 100%) Newer edit →
Line 78:		Line 78:
	*7...........84.........59.58		*7...........84.........59.58
	*8...........96.........65.86		*8...........96.........65.86
-	*9...........108.........71.71	+	*9...........108........71.71
-	*10...........120.........77.18	+	*10..........120........77.18
-	*11...........132.........82.28	+	*11..........132........82.28
-	*12...........144.........87.08	+	*12..........144........87.08
-	*13...........156.........91.58	+	*13..........156........91.58
-	*14...........168.........95.81	+	*14..........168........95.81
-	*15...........180.........99.81	+	*15..........180........99.81
-	*16...........192.........103.58	+	*16..........192........103.58
-	*17...........204.........107.15	+	*17..........204........107.15
-	*18...........216.........110.53	+	*18..........216........110.53
-	*19...........228.........113.74	+	*19..........228........113.74
-	*20...........240.........116.78	+	*20..........240........116.78
	* LOAN ELIGIBLE = DEDUCTION X FACTOR		* LOAN ELIGIBLE = DEDUCTION X FACTOR
	* IN HAND = LOAN ELIGIBLE X 100%		* IN HAND = LOAN ELIGIBLE X 100%

---

Revision as of 12:28, 1 August 2011

Contents 1 Product Features 2 Types Of Employer 3 Nama Agensi Dibenarkan 4 Organisasi Tidak Dibenarkan 5 Target Market 6 Document List 7 Factor Ikhtiar - KFH 4.99% - 100%

Product Features

• Location : WEST MALAYSIA ONLY
• Employment Status: 1 Year and Above.(Tetap Only)
• Interest Rate: 4.99%
• Payout: 100% (tiada potongan)
• Tenure: Min 2 year - Max 20 years
• Finance: Min RM5,000 to RM200,000
• Salary: RM500 and above only
• Age: 18 years and above
• Expired Facility: 58 years old
• Yuran: RM30
• Blacklist: RM30,000 and below(More than RM30,000 can settle if entitle) - To provide CTOS settlement statement
• CCRIS: Waived

Types Of Employer

1. Ag Federal
2. State Government
3. All Majlis(Majlis Kerajaan Negeri)
4. Yayasan
5. Lembaga
6. Government Universities
7. Police - 50%(Untuk 60% perlu surat Kebenaran 60% dari majikan)

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.
6. Semua Kakitangan Majlis Yg berjawatan Pekerja Awam/ Pekerja Rendah Awam Diswastakan(Majlis Negeri Utara M'sia)
7. Semua Kakitangan dari kategori jawatan - Pekerja Rendah Awam, Pekerja Am Rendah, Pembantu Pejabat, Despatch, Pembantu Am Pejabat, Pengawal Keselamatan Dan Pemandu.(untuk bekerja kurang daripada 3 tahun) untuk kakitangan yang bekerja lebih daripada 3 tahun layak memohon.

Target Market

• All Government servant

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
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

Factor Ikhtiar - KFH 4.99% - 100%

YEARS ..MONTH.. FACTOR

• 2...........24.........19.61
• 3...........36.........28.99
• 4...........48.........37.60
• 5...........60.........45.51
• 6...........72.........52.81
• 7...........84.........59.58
• 8...........96.........65.86
• 9...........108........71.71
• 10..........120........77.18
• 11..........132........82.28
• 12..........144........87.08
• 13..........156........91.58
• 14..........168........95.81
• 15..........180........99.81
• 16..........192........103.58
• 17..........204........107.15
• 18..........216........110.53
• 19..........228........113.74
• 20..........240........116.78

• LOAN ELIGIBLE = DEDUCTION X FACTOR
• IN HAND = LOAN ELIGIBLE X 100%