Perdanajaya - Bank Rakyat

From Internal

Revision as of 11:53, 13 September 2011

Product Features

• Location : Whole Malaysia
• Employment Status : 6 months and above
• Interest Rate: 5.55%
• Payout: 94% - RM400
• Finance: Min RM2,000 to RM200,000
• Salary : No minimum amount
• Age : 18 years and above
• Expired Facility : 58 years old(with opsyen letter)
• Tenure: 20 Years
• Koop Charges: RM400
• TAT: 1 month
• Yuran: RM30
• Settlement: Valid before 2 weeks
• Ctos:
  • Blacklist up to RM30,000 are accepted.
  • Blacklist above RM30,000 can be considered on case by case basis.

Target Market

• All government employee
• Some Jabatan/GLC/Bhd/Sdn Bhd employee(Please refer to mss system > Department Report.

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.

Factor Perdanajaya 5.55% - 94%

YEARS..........MONTH............FACTOR

• 2....................24....................21.17
• 3....................36....................30.24
• 4....................48....................38.48
• 5....................60....................46.02
• 6....................72....................52.92
• 7....................84....................59.26
• 8....................96....................65.13
• 9....................108...................70.55
• 10..................120....................75.59
• 11..................132....................80.29
• 12..................144....................84.67
• 13..................156....................88.77
• 14..................168....................92.59
• 15..................180....................96.20
• 16..................192....................99.60
• 17..................204....................102.83
• 18..................216....................105.82
• 19..................228....................108.70
• 20..................240....................111.42

• LOAN ELIGIBLE = DEDUCTION – RM30 X FACTOR
• IN HAND = LOAN ELIGIBLE X 94% - RM400