Coshare (KFH)

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(→Factor Coshare 4.99% - 100%)
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== Factor Coshare 4.99% - 100% ==
== 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
+
{| class="wikitable" style="text-align:center"
-
* IN HAND = LOAN ELIGIBLE X 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%

Revision as of 07:53, 19 October 2011

Contents

Product Features

  • Location: Whole Malaysia
  • Interest Rate: 4.99%
  • Payout: 100%
  • Tenure: Min 2 years - Max 20 years
  • Employment Status :
    • Kerani Keatas - 2 years
    • Pekerja Am Rendah(PAR) - 3 years
    • Pegawai Keselamatan - 3 years
    • Tukang Masak - 3 years
    • Driver - 3 years
  • 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
  • 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 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

  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

Target Market

  1. All Ag & Polis
  2. State Ag(yang ada di MSS System > Department Report)
  3. Majlis(yang ada di MSS System > Department Report)
  4. Lain- lain (yang ada di MSS System > Department Report)
  5. Police - 50%(Untuk 60% perlu surat Kebenaran 60% dari majikan)

Expired Date Of Slip Gaji

Elaun - Elaun

  • Elaun Wilayah
    • Penduduk Sabah & Sarawak yang bekerja di sabah & sarawak- boleh diambil kira
    • Penduduk Sabah & Sarawak yang bekerja di Semenanjung - case by case, confirmation majikan
    • Penduduk Semenanjung yang bekerja di Sabah & Sarawak dan Semenanjung - tidak diambil kira
  • Elaun Khas BI
    • Case by case, Confirmation majikan
  • Elaun Hidup Susah
    • Tidak Diambil Kira

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%
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