Coshare (KFH)
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== Expired Date Of Slip Gaji == | == Expired Date Of Slip Gaji == | ||
| - | == | + | == Allowances == |
| - | * | + | === Accepted List === |
| - | ** Penduduk Sabah & Sarawak yang bekerja di | + | * Elaun Wilayah, for: |
| - | ** Penduduk Sabah & Sarawak yang bekerja di Semenanjung - <B> case by case, confirmation | + | ** Penduduk Sabah & Sarawak yang bekerja di Sabah & Sarawak |
| - | ** Penduduk Semenanjung yang bekerja di Sabah & Sarawak | + | ** Penduduk Sabah & Sarawak yang bekerja di Semenanjung - <B>case-by-case basis, required employer confirmation</b> |
| - | * | + | * Elaun Khas BI - case-by-case basis, require employer confirmation |
| - | + | ||
| - | + | === Rejected List === | |
| - | + | * Elaun Wilayah for <b<Penduduk Semenanjung</b> yang bekerja di Sabah & Sarawak atau Semenanjung | |
| + | * Elaun Hidup Susah | ||
== Factor Coshare 4.99% - 100% == | == Factor Coshare 4.99% - 100% == | ||
Revision as of 05:06, 21 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
- Senarai Semakan Utama
- Borang CS/PGP-1 atau CS/PGP-2
- Permohonan Pembiayaan
- Borang Pemberitahuan Permohonan
- Borang Pemberitahuan Tawaran
- Surat Agensi
- Surat Makluman
- Borang Pengesahan Butiran Jawatan
- Arahan Penyelesaian Pembiayaan Sedia Ada
- Borang AkuJanji Penentuan Had Kelayakan Pembiayaan
- Borang Kebenaran Mengenakan Fi Perkhidmatan
- Slip gaji sebenar yang terkini(Original & Salinan) - 1+3 Copies
- Salinan Slip Gaji 2 bulan seterusnya
- Salinan Kad Pengenalan/Polis
- Salinan Surat Beranak(Untuk Polis Sahaja)
- Bil Utiliti Asal Terkini(Bil Elektrik/Air/Tel) - Not Compulsary
- Salinan Buku Bank
- Penyata Penyelesaian Pinjaman Institusi Kewangan Lain
- Borang Opsyen / Surat Lanjutan Perkhidmatan
Target Market
- All Ag & Polis
- State Ag(yang ada di MSS System > Department Report)
- Majlis(yang ada di MSS System > Department Report)
- Lain- lain (yang ada di MSS System > Department Report)
- Police - 50%(Untuk 60% perlu surat Kebenaran 60% dari majikan)
Expired Date Of Slip Gaji
Allowances
Accepted List
- Elaun Wilayah, for:
- Penduduk Sabah & Sarawak yang bekerja di Sabah & Sarawak
- Penduduk Sabah & Sarawak yang bekerja di Semenanjung - case-by-case basis, required employer confirmation
- Elaun Khas BI - case-by-case basis, require employer confirmation
Rejected List
- Elaun Wilayah for <b<Penduduk Semenanjung</b> yang bekerja di Sabah & Sarawak atau Semenanjung
- Elaun Hidup Susah
| 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%
