Coshare (KFH)

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Revision as of 10:42, 13 July 2011 (view source) 192.168.1.11 (Talk) (→Product Features) ← Older edit		Revision as of 12:28, 1 August 2011 (view source) 192.168.1.10 (Talk) (→Factor Coshare 4.99% - 100%) Newer edit →
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	== Factor Coshare 4.99% - 100% ==		== Factor Coshare 4.99% - 100% ==
-	YEARS MONTH FACTOR	+	YEARS ..MONTH.. FACTOR
-	*2 24 19.61	+	*2...........24.........19.61
-	*3 36 28.99	+	*3...........36.........28.99
-	*4 48 37.60	+	*4...........48.........37.60
-	*5 60 45.51	+	*5...........60.........45.51
-	*6 72 52.81	+	*6...........72.........52.81
-	*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%

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Revision as of 12:28, 1 August 2011

Contents 1 Product Features 2 Special Remarks 3 Opsyen Calculation 4 Document List 5 Factor Coshare 4.99% - 100%

Product Features

• Interest Rate: 4.99%
• Payout: 100%
• Tenure: Min 2 years - Max 20 years
• Finance: Min RM2,000 to RM200,000
• Salary: RM1,000 and above only
• Working Experience: 1 Year and above only.
• Age: 19 years and above
• Expired Facility: 58 years old
• Eligible Criteria: Refer to our system(under Report > Department Report) for more details.
• Yuran: Waived
• Blacklist: RM30,000 and below(More than RM30,000 can settle if entitle) - To provide CTOS settlement statement
• CCRIS: Waived

Special Remarks

• Deduction 75%(ada pinjaman perumahan di payslip)- Mesti attach surat dari bahagian majikan-Ag customers tak layak

Opsyen Calculation

• Expired Facility in opsyen 58 years old.
  • Example : 2011 - 1965 = 46
  • Take 57 - 46 = 11 years.
  • This customer is eligible for 46 years only.

Document List

1. Senarai Semakan Utama
2. Borang CS/PGP-1 atau CS/PGP-2
3. Permohonan Pembiayaan
4. Borang Pemberitahuan Permohonan
5. Borang Pemberitahuan Tawaran
6. Surat Agensi
7. Surat Makluman
8. Borang Pengesahan Butiran Jawatan
9. Arahan Penyelesaian Pembiayaan Sedia Ada
10. Borang AkuJanji Penentuan Had Kelayakan Pembiayaan
11. Borang Kebenaran Mengenakan Fi Perkhidmatan
12. Slip gaji sebenar yang terkini(Original & Salinan) - 1+3 Copies
13. Salinan Slip Gaji 2 bulan seterusnya
14. Salinan Kad Pengenalan/Polis
15. Salinan Surat Beranak(Untuk Polis Sahaja)
16. Bil Utiliti Asal Terkini(Bil Elektrik/Air/Tel) - Not Compulsary
17. Salinan Buku Bank
18. Penyata Penyelesaian Pinjaman Institusi Kewangan Lain
19. Borang Opsyen / Surat Lanjutan Perkhidmatan

Factor Coshare 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%