Coshare (KFH)

From Internal

(Difference between revisions)
Jump to: navigation, search
(Target Market)
(Expired Date Of Slip Gaji)
Line 53: Line 53:
# Police - 50% (Untuk 60% perlu surat Kebenaran 60% dari unit gaji)
# Police - 50% (Untuk 60% perlu surat Kebenaran 60% dari unit gaji)
-
== Expired Date Of Slip Gaji ==
+
== Payslip Expiry Date ==
 +
Payslip will expire every 30th of the subsequent month.
== Allowances ==
== Allowances ==

Revision as of 08:18, 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 unit gaji)

Payslip Expiry Date

Payslip will expire every 30th of the subsequent month.

Allowances

Accepted List

Fixed Allowance

  • Imbuhan Tetap Perkhidmatan Awam
  • Imbuhan Perumahan
  • Bantuan Sara Hidup
  • Elaun Keraian

Case by Case Basis

  • Elaun BI Wilayah
  • Elaun Motosikal
  • Elaun Menyelam
  • Elaun Post Basik
  • Elaun Penguat Kuasa

Rejected List

  • Elaun Lebih Masa (OT)
  • Imbuhan Tahunan (Bonus)
  • Tunggakan (Arrears)
  • Elaun Pemangku
  • Elaun Tanggungan
  • Elaun Jahitan
  • Elaun Warden

(This list will be updated from time to time)

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%
Personal tools