From Internal
Product Features
- Location: Whole Malaysia (Sabah & Sarawak - Commission less 1%)
- Interest Rate:
- Permanent & Work > 3 years: 4.99%
- Permanent & Work < 3 years: 5.99%
- Contract & Work > 1 year: 7.88% (Kontrak Bersambung)
- Payout:
- Permanent: 92% - RM20
- Contract: 87% - RM20
- Tenure: 1 to 22 years
- Financing Amount: RM1,000 to RM250,000
- Salary: RM800 and above
- Yuran: RM20 per month
- Age: 18 years old and above
- Expired Facility: 60 years old
- Blacklist (CTOS): RM25,000
- Payslip Expiry Date: 30th of the month
- Settlement Letter Expiry Date: At least 14 working days
Document List
- Senarai Semakan Bagi Permohonan
- Borang Permohonan Pembiayaan Tunai Syariah Page 1 - 2
- Borang YYP03
- Surat Waad untuk Pembeli
- Surat Perlantikan Wakil
- Surat Kebenaran Pembayaran
- Notis Serah Hak
- Akuan Berkanun
- Perjanjian Jualan Komoditi
- BPA
- Surat Pengesahan Majikan
Payslip Expiry Date
Payslip will expire every 30th of the subsequent month.
Allowances
Accepted List
Rejected List
Target Market
Non Target Market
Factor
| YEARS | MONTH | FACTOR 5.99% | FACTOR 4.99%
|
| 1
| 12 | 11.10 | 11.21
|
| 2
| 24 | 21.01 | 21.39
|
| 3
| 36 | 29.92 | 30.70
|
| 4
| 48 | 37.96 | 39.23
|
| 5
| 60 | 45.27 | 47.08
|
| 6
| 72 | 51.93 | 54.32
|
| 7
| 84 | 58.02 | 61.03
|
| 8
| 96 | 63.63 | 67.27
|
| 9
| 108 | 68.79 | 73.07
|
| 10
| 120 | 73.58 | 78.48
|
| 11
| 132 | 78.01 | 83.55
|
| 12
| 144 | 82.14 | 88.30
|
| 13
| 156 | 85.98 | 92.76
|
| 14
| 168 | 89.58 | 96.97
|
| 15
| 180 | 92.95 | 100.93
|
| 16
| 192 | 96.12 | 104.67
|
| 17
| 204 | 99.09 | 108.21
|
| 18
| 216 | 101.90 | 111.56
|
| 19
| 228 | 104.55 | 114.74
|
| 20
| 240 | 107.05 | 117.76
|
| 21
| 252 | 109.42 | 120.64
|
| 22
| 264 | 111.67 | 123.38
|
- Available Deduction = (Salary x 60%) - Deduction at Payslip + Redemption (settlement)
- Loan Eligible = Available Deduction x Factor
- In Hand (Permanent) = Loan Eligible x 92% - RM20
- In Hand (Contract) = Loan Eligible x 87% - RM20
