Ikhtiar - KFH
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== Document List == | == Document List == | ||
| - | # Ikhtiar Agreement(Page 1 - 5) | + | # Ikhtiar Agreement (Page 1 - 5) |
# Surat Pengesahan Cop Jari + Alamat | # Surat Pengesahan Cop Jari + Alamat | ||
# BPA - 2 copies | # BPA - 2 copies | ||
| - | # Photocopy of IC(disahkan majikan) - 2 copies | + | # Photocopy of IC (disahkan majikan) - 2 copies |
| - | # Payslip original - 1 copy | + | # Payslip original - 1 copy (if available) |
| - | # Payslip photocopy(disahkan majikan)(3 copies) for 3 months | + | # Payslip photocopy (disahkan majikan)(3 copies) for 3 months |
# Pengesahan Jawatan | # Pengesahan Jawatan | ||
# Bank Account copy | # Bank Account copy | ||
| - | # Settlement statement(if any) | + | # Settlement statement (if any) |
| - | # Opsyen Letter(if any) | + | # Opsyen Letter (if any) |
# Utility Bil | # Utility Bil | ||
Revision as of 07:15, 1 February 2012
Contents |
Product Features
- Location: WEST MALAYSIA ONLY
- Interest Rate
- 2 to 5 years: 5.99%
- 6 to 16 years: 4.99%
- Payout: 100% (tiada potongan)
- Employment Status:
- Kerani Keatas - 2 years
- Pekerja Am Rendah(PAR) - 3 years
- Pegawai Keselamatan - 3 years
- Tukang Masak - 3 years
- Driver - 3 years
- Tenure: 2 to 15 years
- Finance: Min RM5,000 to RM200,000
- Salary: RM900 and above only
- Age: 18 years and above
- Expired Facility: 58 years old (with Option letter)
- Yuran: Waived
- Blacklist: RM25,000 and below (More than RM25,000 - REJECT)
- CCRIS: Waived
- TAT: 2 - 3 weeks
Target Market
- AG Federal
- State Government
- All Majlis (Majlis Kerajaan Negeri)
- Yayasan
- Lembaga
- Government Universities
- Police - 50% (Untuk 60% perlu surat kebenaran 60% dari majikan)
Nama Agensi Dibenarkan
- Pejabat Tanah Kota Setar
- DBKL
- NIOSH
- Jabatan Hal Ehwal Agama Islam Kedah
- Kumpulan Wang Persaraan
- Perbadanan Perpustakaan Negeri Kedah Dan Terengganu
- Dewan Bahasa & Pustaka
- Perpustakaan Negara
- Fama
- Perbadanan Putrajaya
- Tourism Malaysia (TDC)
- Kementerian Kebudayaan Kerajaan Negeri/ Istana Budaya
- Perbadanan Bioteknologi Malaysia, Melaka
- MARA (kecuali staff kenderaan bas MARA)
- Universiti Kebangsaan Malaysia (Pengesahan oleh Unit: Pn Jamilah/En Nizam)
- Unimap
- Universiti Pertahanan Nasional
- Unisel - Universiti Industri Selangor
- Majlis Daerah Pendang (Kelayakan 50%)
Organisasi Tidak Dibenarkan
- Majlis Sukan Negara
- Majlis Perbandaran Manjung
- Majlis Bandaraya Melaka Bersejarah
- Semua Kakitangan 'IMG' DBKL, Majlis Daerah dan Tempatan.
- Semua Jabatan GLC (Contoh:Telekom, TNB dan POS)
Document List
- Ikhtiar Agreement (Page 1 - 5)
- Surat Pengesahan Cop Jari + Alamat
- BPA - 2 copies
- Photocopy of IC (disahkan majikan) - 2 copies
- Payslip original - 1 copy (if available)
- Payslip photocopy (disahkan majikan)(3 copies) for 3 months
- Pengesahan Jawatan
- Bank Account copy
- Settlement statement (if any)
- Opsyen Letter (if any)
- 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%
