Coshare (KFH)

From Internal

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

Product Features

• Location: Whole Malaysia
• Interest Rate: 4.99%
• Payout: 100%
• Tenure: Min 2 years - Max 20 years
• Employment Status :
  • 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
• TAT: 2 - 3 weeks
• Salary: RM1,000 and above only
• Age: 19 years and above
• Expired Facility: 58 years old
• Eligible Criteria: Refer to our system(under Report > Department Report) for more details.
• Yuran: Waived
• Blacklist: RM30,000 and below(More than RM30,000 can settle if entitle) - To provide CTOS settlement statement
• 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

Elaun - Elaun

• Elaun Wilayah
  • Penduduk Sabah & Sarawak yang bekerja di sabah & sarawak- boleh diambil kira
  • Penduduk Sabah & Sarawak yang bekerja di Semenanjung - case by case, confirmation majikan
  • Penduduk Semenanjung yang bekerja di Sabah & Sarawak dan Semenanjung - tidak diambil kira
• Elaun Khas BI
  • Case by case, Confirmation majikan
• Elaun Hidup Susah
  • Tidak Diambil Kira

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%