Coshare (KFH)

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(→Factor Coshare 4.99% - 100%)
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* Elaun Hidup Susah
* Elaun Hidup Susah
-
== Factor Coshare 4.99% - 100% ==
+
== Factor Coshare 4.99% / 5.99% - 100% ==
{| class="wikitable" style="text-align:center"
{| class="wikitable" style="text-align:center"
-
! Years !! Month !! Factor
+
! YEARS !! MONTH !! RATE !! FACTOR
|-
|-
! 2
! 2
-
| 24 || 19.61
+
| 24 || 5.99% || 19.26
|-
|-
! 3
! 3
-
| 36 || 28.99
+
| 36 || 5.99% || 28.25
|-
|-
! 4
! 4
-
| 48 || 37.60
+
| 48 || 5.99% || 36.38
|-
|-
! 5
! 5
-
| 60 || 45.51
+
| 60 || 5.99% || 43.75
|-
|-
! 6
! 6
-
| 72 || 52.81
+
| 72 || 4.99% || 52.81
|-
|-
! 7
! 7
-
| 84 || 59.58
+
| 84 || 4.99% || 59.58
|-
|-
! 8
! 8
-
| 96 || 65.86
+
| 96 || 4.99% || 65.86
|-
|-
! 9
! 9
-
| 108 || 71.71
+
| 108 || 4.99% || 71.71
|-
|-
! 10
! 10
-
| 120 || 77.18
+
| 120 || 4.99% || 77.18
|-
|-
! 11
! 11
-
| 132 || 82.28
+
| 132 || 4.99% || 82.28
|-
|-
! 12
! 12
-
| 144 || 87.08
+
| 144 || 4.99% || 87.08
|-
|-
! 13
! 13
-
| 156 || 91.58
+
| 156 || 4.99% || 91.58
|-
|-
! 14
! 14
-
| 168 || 95.81
+
| 168 || 4.99% || 95.81
|-
|-
! 15
! 15
-
| 180 || 99.81
+
| 180 || 4.99% || 99.81
|-
|-
! 16
! 16
-
| 192 || 103.58
+
| 192 || 4.99% || 103.58
|-
|-
! 17
! 17
-
| 204 || 107.15
+
| 204 || 4.99% || 107.15
|-
|-
! 18
! 18
-
| 216 || 110.53
+
| 216 || 4.99% || 110.53
|-
|-
! 19
! 19
-
| 228 || 113.74
+
| 228 || 4.99% || 113.74
|-
|-
! 20
! 20
-
| 240 || 116.78
+
| 240 || 4.99% || 116.78
|}
|}
-
* LOAN ELIGIBLE = DEDUCTION x FACTOR
+
* Available Deduction = (Salary x 60%) - Deduction at Payslip + Redemption (settlement)
-
* IN HAND = LOAN ELIGIBLE x 100%
+
* Loan Eligible = Available Deduction x Factor
 +
* In Hand = Loan Eligible x 100%

Revision as of 07:31, 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

  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% / 5.99% - 100%

YEARS MONTH RATE FACTOR
2 24 5.99% 19.26
3 36 5.99% 28.25
4 48 5.99% 36.38
5 60 5.99% 43.75
6 72 4.99% 52.81
7 84 4.99% 59.58
8 96 4.99% 65.86
9 108 4.99% 71.71
10 120 4.99% 77.18
11 132 4.99% 82.28
12 144 4.99% 87.08
13 156 4.99% 91.58
14 168 4.99% 95.81
15 180 4.99% 99.81
16 192 4.99% 103.58
17 204 4.99% 107.15
18 216 4.99% 110.53
19 228 4.99% 113.74
20 240 4.99% 116.78
  • Available Deduction = (Salary x 60%) - Deduction at Payslip + Redemption (settlement)
  • Loan Eligible = Available Deduction x Factor
  • In Hand = Loan Eligible x 100%
Retrieved from "http://mss.enrii.net/Internal/index.php/Coshare_(KFH)"
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