Coshare (KFH)
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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 |
- | + | ||
- | + | ||
- | + | ||
- | + | ||
- | + | ||
* 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 | ||
- | |||
* Yuran: Waived | * Yuran: Waived | ||
- | * Blacklist: | + | * Blacklist: RM25,000 and below (Above RM25,000 - REJECT) |
* CCRIS: Waived | * CCRIS: Waived | ||
Revision as of 07:25, 1 February 2012
Contents |
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
- 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 Penduduk Semenanjung 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%