Coshare (KFH)

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Revision as of 08:33, 4 January 2012 (view source) 192.168.1.17 (Talk) (→Product Features) ← Older edit		Revision as of 07:25, 1 February 2012 (view source) Admin (Talk | contribs) (→Product Features) Newer edit →
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	== Product Features ==		== Product Features ==
	* Location: Whole Malaysia		* Location: Whole Malaysia
-	* Interest Rate: 4.99%	+	* Interest Rate:
		+	** 1 to 5 years: 5.99%
		+	** 6 to 20 years: 4.99%
	* Payout: 100%		* Payout: 100%
	* Tenure: Min 2 years - Max 15 years		* Tenure: Min 2 years - Max 15 years
-	* Employment Status :	+	* Employment Status: Work for at least 1 year
-	** 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		* Finance: Min RM5,000 to RM200,000
	* TAT: 2 - 3 weeks		* TAT: 2 - 3 weeks
Line 15:		Line 12:
	* Age: 19 years and above		* Age: 19 years and above
	* Expired Facility: 58 years old		* Expired Facility: 58 years old
-	* Eligible Criteria: Refer to our system(under Report > Department Report) for more details.
	* Yuran: Waived		* Yuran: Waived
-	* Blacklist: RM30,000 and below(More than RM30,000 can settle if entitle) - To provide CTOS settlement statement	+	* Blacklist: RM25,000 and below (Above RM25,000 - REJECT)
	* CCRIS: Waived		* CCRIS: Waived

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Revision as of 07:25, 1 February 2012

Contents 1 Product Features 2 Special Remarks 3 Opsyen Calculation 4 Document List 5 Target Market 6 Expired Date Of Slip Gaji 7 Allowances 7.1 Accepted List 7.2 Rejected List 8 Factor Coshare 4.99% - 100%

Product Features

• Location: Whole Malaysia
• Interest Rate:
  • 1 to 5 years: 5.99%
  • 6 to 20 years: 4.99%
• Payout: 100%
• Tenure: Min 2 years - Max 15 years
• Employment Status: Work for at least 1 year
• 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
• Yuran: Waived
• Blacklist: RM25,000 and below (Above RM25,000 - REJECT)
• 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

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 Penduduk Semenanjung yang bekerja di Sabah & Sarawak atau Semenanjung
• Elaun Hidup Susah

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%