Coshare (KFH)
From Internal
(Difference between revisions)
(→Product Features) |
(→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 !! RATE !! FACTOR |
|- | |- | ||
! 2 | ! 2 | ||
- | | 24 || 19. | + | | 24 || 5.99% || 19.26 |
|- | |- | ||
! 3 | ! 3 | ||
- | | 36 || | + | | 36 || 5.99% || 28.25 |
|- | |- | ||
! 4 | ! 4 | ||
- | | 48 || | + | | 48 || 5.99% || 36.38 |
|- | |- | ||
! 5 | ! 5 | ||
- | | 60 || | + | | 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 |
|} | |} | ||
- | * | + | * Available Deduction = (Salary x 60%) - Deduction at Payslip + Redemption (settlement) |
- | * | + | * 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
- 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 | 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%