Internal - User contributions [en]

Yayasan Ihsan Perlis -YYP

2016-11-28T03:33:53Z

Admin: /* Calculation Sheet & Repayment Table */

== Product Features ==
* Location: Whole Malaysia
* Tenure: 10 years
* Age: 20 years old and above
* Fees :RM25.00
* For more details, pls click below:
**Criteria : [[Media:YYP-criteria-new.pdf]]

== Special Note ==
* '''With effect from 02.11.2015, please be informed that filling of all the particulars in the YIR & YYP application forms, PEN BASAH (Black ink ) is to be used. Please use 0.7 or 1.0 size of pen.'''
**Example: [[Media:YIR.pdf]]
* '''Gaji Bersih :RM900.00'''
* '''Opsyen Bersara untuk POLIS :56 tahun sahaja walaupun majikan beri 60 tahun'''
* '''Opsyen Bersara untuk AG :58 tahun sahaja walaupun majikan beri 60 tahun'''
* '''Sector A - AG /PDRM
* '''Sector B - State'''
* '''Sector c* - UKM/HUKM/PPUM and ALL Federal Universities'''
* '''Sector C - Institute/Suruhanjaya/GLC'''
* '''Sector D - Majlis/Lembaga/Yayasan/Perbadanan/State Universities'''
* '''Sector E - Pembantu Am Rendah, Pengawal, Pemandu, Operator, Attendant, Tukang Masak'''
* '''Amount exceeding RM100K, will be considered on a case-to-case basis (up to RM150K).

== Rate Segment ==
=== SEGMENT 8.99% :C6 ===
'''SECTOR A,B,C,C* & D'''
*A- AG/PDRM
*B- STATE
*C- INSTITUTE/ SURUHANJAYA/ GLC
*C*-UKM/HUKM/PPUM/FEDERAL UNIVERSITIES
*D-MAJLIS/LEMBAGA/YAYASAN/PERBADANAN/STATE UNIVERSITIES
(Pembantu Am Rendah, Pengawal, Pemandu, Operator, Attendant, Tukang Masak)
*Service Period : 1 Year and above
*Status : Permanent
*Tenure : 1-10 years
*Age : 20 to 58 years
*Age (PDRM) : 20 to 55 years
*Salary : RM1,5000 and above
*Payout : 81%
*Adv Instalment: 2 Month
*Financing Amount: RM3,000 to RM100,000(West Malaysia)
*Financing Amount: RM2,500 to RM50,000 (East Malaysia)
*Min Net Income: RM900.00 (WM) RM 700.00(EM)
*Ctos: below RM25K can submit.

=== SEGMENT 11.00% :C7 ===
'''SECTOR A,B,C,C* & D'''
*A- AG/PDRM
*B- STATE
*C- INSTITUTE/ SURUHANJAYA/ GLC
*C*-UKM/HUKM/PPUM/FEDERAL UNIVERSITIES
*D-MAJLIS/LEMBAGA/YAYASAN/PERBADANAN/STATE UNIVERSITIES
(Pembantu Am Rendah, Pengawal, Pemandu, Operator, Attendant, Tukang Masak)
*Service Period : 1 Year and above
*Status : Permanent
*Tenure : 1-10 years
*Age : 20 to 58 years
*Age (PDRM) : 20 to 55 years
*Salary : RM1,5000 and above
*Payout : 81%
*Adv Instalment: 2 Month
*Financing Amount: RM3,000 to RM100,000(West Malaysia)
*Financing Amount: RM2,500 to RM50,000 (East Malaysia)
*Min Net Income: RM900.00 (WM) RM 700.00(EM)
*Ctos: below RM25K can submit.

== Calculation Sheet & Repayment Table ==
[[Media:YIR-CEF-NEW1.zip]]

[[Media:YYP-YIR-CEF.zip]]

File:YYP-YIR-CEF.zip

2016-11-28T03:33:39Z

Admin:

Yayasan Ihsan Perlis -YYP

2016-11-28T03:33:20Z

Admin: /* Calculation Sheet & Repayment Table */

Coshare (MAB)

2014-09-26T06:19:38Z

Admin: /* Product Features */

== Product Features ==
* Location : Whole Malaysia (FOR ALL GOVERNMENT DEPT)
* Interest Rate: 6.50%
* Payout : package MABCS180% -1 months installment
* Payout : package MABCS270% -1 months installment
* Payout : package MABCS385% - LESS 10% CHARGE ADV ( MIN LOAN RM3K to RM19k) WITHOUT MONTHLY INCENTIVE
* payout : package MABCS490% - LESS 10% CHARGE ADV ( MIN LOAN RM20k) WITHOUT MONTHLY INCENTIVE
* Tenure : Min 10 years (tak boleh kurang daripada 10 tahun)
* Salary : RM1500 and above only
* Age : below 48 years
* Tat : 5 to 7 working days
* Fees : PACKAGE MABCS180%=RM30
* Fees : PACKAGE MABCS270%=RM30
* Fees : PACKAGE MABCS385%=RM10
* Fees : PACKAGE MABCS490%=RM20
* Note : Beside the normal commission, there will be a monthly incentive and will be awarded up to 5 years.
* For more details, pls click below:
** Criteria : [[Media:MABCOSHAREcriteria1.zip]]

== Document List ==
* Additional document, pls click below:
**Add Form1 : [[Media:MAB-ADDFORM1-N.zip]]
**Add Form2 : [[Media:MAB-ADDFORM2-N.zip]]
**Add Form3 : [[Media:MAB-ADDFORM3-N.zip]]
**Add Form4 : [[Media:MAB-ADDFORM4-N.pdf]]

== Accepted List ==
[[Media:TM-listing-StatutoryBodies.xls]]

[[Media:TM-listing-Group-A-B.pdf]]

== Calculation Sheet ==

* MABCS180%
** [[Media:Coshare-Mab-70N.xls]]

* MABCS270%
** [[Media:Coshare-Mab-80N.xls]]

* MABCS385%
** [[Media:Coshare-Mab-85.xls]]

* MABCS490%
** [[Media:Coshare-Mab-90.xls]]

Coshare (MAB)

2014-09-26T06:18:29Z

Admin: /* Calculation Sheet */

== Product Features ==
* Location : Whole Malaysia (FOR ALL GORVEMENT DEPT)
* Interest Rate: 6.50%
* Payout : package MABCS180% -1 months installment
* Payout : package MABCS270% -1 months installment
* Payout : package MABCS385% - LESS 10% CHARGE ADV ( MIN LOAN RM3K to RM19k) WITHOUT MONTHLY INCENTIVE
* payout : package MABCS490% - LESS 10% CHARGE ADV ( MIN LOAN RM20k) WITHOUT MONTHLY INCENTIVE
* Tenure : Min 10 years (tak boleh kurang daripada 10 tahun)
* Salary : RM1500 and above only
* Age : below 48 years
* Tat : 5 to 7 working days
* Fees : PACKAGE MABCS180%=RM30
* Fees : PACKAGE MABCS270%=RM30
* Fees : PACKAGE MABCS385%=RM10
* Fees : PACKAGE MABCS490%=RM20
* Note : Beside the normal commission, there will be a monthly incentive and will be awarded up to 5 years.
* For more details, pls click below:
** Criteria : [[Media:MABCOSHAREcriteria1.zip]]

== Document List ==
* Additional document, pls click below:
**Add Form1 : [[Media:MAB-ADDFORM1-N.zip]]
**Add Form2 : [[Media:MAB-ADDFORM2-N.zip]]
**Add Form3 : [[Media:MAB-ADDFORM3-N.zip]]
**Add Form4 : [[Media:MAB-ADDFORM4-N.pdf]]

== Accepted List ==
[[Media:TM-listing-StatutoryBodies.xls]]

[[Media:TM-listing-Group-A-B.pdf]]

== Calculation Sheet ==

* MABCS180%
** [[Media:Coshare-Mab-70N.xls]]

* MABCS270%
** [[Media:Coshare-Mab-80N.xls]]

* MABCS385%
** [[Media:Coshare-Mab-85.xls]]

* MABCS490%
** [[Media:Coshare-Mab-90.xls]]

Coshare (MAB)

2014-09-26T06:17:37Z

Admin: /* Calculation Sheet */

== Product Features ==
* Location : Whole Malaysia (FOR ALL GORVEMENT DEPT)
* Interest Rate: 6.50%
* Payout : package MABCS180% -1 months installment
* Payout : package MABCS270% -1 months installment
* Payout : package MABCS385% - LESS 10% CHARGE ADV ( MIN LOAN RM3K to RM19k) WITHOUT MONTHLY INCENTIVE
* payout : package MABCS490% - LESS 10% CHARGE ADV ( MIN LOAN RM20k) WITHOUT MONTHLY INCENTIVE
* Tenure : Min 10 years (tak boleh kurang daripada 10 tahun)
* Salary : RM1500 and above only
* Age : below 48 years
* Tat : 5 to 7 working days
* Fees : PACKAGE MABCS180%=RM30
* Fees : PACKAGE MABCS270%=RM30
* Fees : PACKAGE MABCS385%=RM10
* Fees : PACKAGE MABCS490%=RM20
* Note : Beside the normal commission, there will be a monthly incentive and will be awarded up to 5 years.
* For more details, pls click below:
** Criteria : [[Media:MABCOSHAREcriteria1.zip]]

== Document List ==
* Additional document, pls click below:
**Add Form1 : [[Media:MAB-ADDFORM1-N.zip]]
**Add Form2 : [[Media:MAB-ADDFORM2-N.zip]]
**Add Form3 : [[Media:MAB-ADDFORM3-N.zip]]
**Add Form4 : [[Media:MAB-ADDFORM4-N.pdf]]

== Accepted List ==
[[Media:TM-listing-StatutoryBodies.xls]]

[[Media:TM-listing-Group-A-B.pdf]]

== Calculation Sheet ==

* Pay Out 70%
** [[Media:Coshare-Mab-70N.xls]]

* Pay Out 80%
** [[Media:Coshare-Mab-80N.xls]]

* Pay Out 85%
** [[Media:Coshare-Mab-85.xls]]

* Pay Out 90%
** [[Media:Coshare-Mab-90.xls]]

Koputri

2013-11-22T10:04:41Z

Admin: /* SPEED 2 */

== Product Features PERMANENT==

=== SPEED (OLD) ===
* Location: Whole Malaysia
* Employment Status: 6 Months and Above.
* Interest Rate:
**Tenure 1 to 2 years: 4.99%
**Tenure 3 to 10 years: 5.99%
* Payout: 94.5% - 2 months installment - RM440.00
* Tenure: Min 1 year - Max 10 years
* Finance: Min RM2,000 to RM250,000
* Salary: RM600 and above only
* Age: 18 years and above
* Expired Facility: 58 years old(with opsyen letter)
* Yuran: RM30
* CTOS: RM30K and below
* TAT: 2 - 3 weeks
* Tenure: 20 years
* Koop Charges: RM440.00
* Important Notes:
** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD)

=== SPEED 1 ===
* Location: Whole Malaysia
* Employment Status: 6 Months and Above.
* Interest Rate: 5.50%
* Payout: 92.5% - 2 months installment - RM440.00
* Tenure: Min 1 year - Max 10 years
* Finance: Min RM2,000 to RM250,000
* Salary: RM600 and above only
* Age: 18 years and above
* Expired Facility: 58 years old(with opsyen letter)
* Yuran: RM30
* CTOS: RM30K and below
* Tenure: 10 years
* Koop Charges: RM440.00
* Important Notes:
** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD)

Download CEF: [[Media:Koputri-Speed-1-CEF.zip]]

=== SPEED 2 ===
* Location: Whole Malaysia
* Employment Status: 6 Months and Above.
* Interest Rate: 5.50%
* Payout: 82% - 2 months installment - RM440.00
* Tenure: Min 1 year - Max 10 years
* Finance: Min RM2,000 to RM250,000
* Salary: RM600 and above only
* Age: 18 years and above
* Expired Facility: 58 years old(with opsyen letter)
* Yuran: RM30
* CTOS: RM30K and below
* TAT: '''2 weeks'''
* Tenure: 10 years
* Koop Charges: RM440.00
* Important Notes:
** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD)

Download CEF: [[Media:Koputri-Speed-2-CEF.zip]]

== Product Features CONTRACT==
* With BPA Deduction
** Location : Whole Malaysia
** Employment Status: Customer need to work at least 6 months.
** Finance: Min RM2,000 to RM20,000
** Tenure: Min 1 year - Max 5 Years
** Interest Rate: Min Tenure 1 to 5 YRS: 6.99%
** Payout: 94.5% - RM440.00 - 2 months installment
** Expired Facility: 58 years old
** Salary: RM1,000 and above only
** Age: 18 years and above
** Yuran: RM30
** CTOS: Borrower: $30k and below, Guarantor: No Limit
** TAT: 2 - 3 Weeks
** Employment Status: Admin and above position only. (Work in Office)
** Important Notes:
*** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD).
*** COMPULSORY to provide (offer letter) or surat perlantikan.

* Without BPA Deduction
** Location: Whole Malaysia
** Employment Status: Customer needs to at leaast renew contract once.
** Finance: Min RM2,000 to RM20,000
** Tenure: Min 1 year - Max 5 Years
** Interest Rate: Min Tenure 1 to 5 years: 6.99%
** Payout: 94.5% - RM440.00 - 2 months installment
** Expired Facility: 58 years old
** Salary: RM1,000 and above only
** Age: 18 years and above
** Yuran: RM30
** CTOS: Borrower: RM30K and below, Guarantor: No Limit
** TAT: 2 - 3 Weeks
** Employment Status: Admin and above position only.(Work in Office)
** Important Notes:
*** Contract Staffs MUST provide letter from Employer to allow angkasa deduction.
*** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD).
*** COMPULSORY to provide (offer letter) or surat perlantikan.

== 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 ==
# Koputri Agreement (Page 1 - 14)
# BPA - 2 copies
# Photocopy of IC (disahkan majikan ori) - 3 copies
# Payslip original - 1 copy
# Payslip photocopy(disahkan majikan)(3 copies ori) for 3 months
# Pengesahan Jawatan (It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD))
# Bank Account copy
# Settlement statement (if any-exp must be more than 2 weeks)
# Opsyen Letter (if any-with cop ori majikan)
# DSR Form - [[Media:Borang-Dsr1.docx]]

== Target Market ==
* All Government employee
* Refer to MSSSB System > Department Report for more information

== GLC Target Market List ==
# Felda Holdings Berhad
# Malaysia Debt Ventures Berhad
# Mardec Berhad
# Padi Beras Nasional Berhad
# Pengurusan Danaharta Nasional Berhad
# Perbadanan Nasional Berhad
# Permodalan Nasional Berhad
# Petroliam Nasional Berhad (Petronas)
# UDA Holdings Berhad
# Malaysia Airport Holdings Berhad
# Khazanah Nasional Berhad
# National Aerospace & Defence Industries Berhad
# Mimos Berhad
# Sirim Berhad
# Felcra Berhad
# Institut Terjemahan Negara Malaysia Berhad
# Pengurusan Aset Air Berhad
# Percetakan Nasional Malaysia Berhad
# POS Malaysia Berhad
# Radio Televisyen Malaysia Berhad
# TELEKOM Malaysia Berhad
# Tenaga Nasional Berhad

== Factor Koputri 6.99% - 94.5% ==
{| class="wikitable" style="text-align:center"
! YEARS || MONTH || FACTOR
|-
! 1
| 12 || 11
|-
! 2
| 24 || 22
|-
! 3
| 36 || 30
|-
! 4
| 48 || 38
|-
! 5
| 60 || 46
|-
! 6
| 72 || 52
|-
! 7
| 84 || 59
|-
! 8
| 96 || 64
|-
! 9
| 108 || 69
|-
! 10
| 120 || 74
|-
! 11
| 132 || 79
|-
! 12
| 144 || 83
|-
! 13
| 156 || 87
|-
! 14
| 168 || 91
|-
! 15
| 180 || 94
|-
! 16
| 192 || 97
|-
! 17
| 204 || 100
|-
! 18
| 216 || 103
|-
! 19
| 228 || 106
|-
! 20
| 240 || 108
|}

* LOAN ELIGIBLE = Gross Salary x (60%/50%/40%) - all deduction - RM30 x factor
* IN HAND = LOAN ELIGIBLE x 94.5% - RM440 - 2 month installment

Koputri

2013-11-22T10:04:31Z

Admin: /* SPEED 1 */

== Product Features PERMANENT==

=== SPEED (OLD) ===
* Location: Whole Malaysia
* Employment Status: 6 Months and Above.
* Interest Rate:
**Tenure 1 to 2 years: 4.99%
**Tenure 3 to 10 years: 5.99%
* Payout: 94.5% - 2 months installment - RM440.00
* Tenure: Min 1 year - Max 10 years
* Finance: Min RM2,000 to RM250,000
* Salary: RM600 and above only
* Age: 18 years and above
* Expired Facility: 58 years old(with opsyen letter)
* Yuran: RM30
* CTOS: RM30K and below
* TAT: 2 - 3 weeks
* Tenure: 20 years
* Koop Charges: RM440.00
* Important Notes:
** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD)

=== SPEED 1 ===
* Location: Whole Malaysia
* Employment Status: 6 Months and Above.
* Interest Rate: 5.50%
* Payout: 92.5% - 2 months installment - RM440.00
* Tenure: Min 1 year - Max 10 years
* Finance: Min RM2,000 to RM250,000
* Salary: RM600 and above only
* Age: 18 years and above
* Expired Facility: 58 years old(with opsyen letter)
* Yuran: RM30
* CTOS: RM30K and below
* Tenure: 10 years
* Koop Charges: RM440.00
* Important Notes:
** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD)

Download CEF: [[Media:Koputri-Speed-1-CEF.zip]]

=== SPEED 2 ===
* Location: Whole Malaysia
* Employment Status: 6 Months and Above.
* Interest Rate: 5.50%
* Payout: 82% - 2 months installment - RM440.00
* Tenure: Min 1 year - Max 10 years
* Finance: Min RM2,000 to RM250,000
* Salary: RM600 and above only
* Age: 18 years and above
* Expired Facility: 58 years old(with opsyen letter)
* Yuran: RM30
* CTOS: RM30K and below
* TAT: '''2 weeks'''
* Tenure: 10 years
* Koop Charges: RM440.00
* Important Notes:
** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD)

CEF: [[Media:Koputri-Speed-2-CEF.zip]]

== Product Features CONTRACT==
* With BPA Deduction
** Location : Whole Malaysia
** Employment Status: Customer need to work at least 6 months.
** Finance: Min RM2,000 to RM20,000
** Tenure: Min 1 year - Max 5 Years
** Interest Rate: Min Tenure 1 to 5 YRS: 6.99%
** Payout: 94.5% - RM440.00 - 2 months installment
** Expired Facility: 58 years old
** Salary: RM1,000 and above only
** Age: 18 years and above
** Yuran: RM30
** CTOS: Borrower: $30k and below, Guarantor: No Limit
** TAT: 2 - 3 Weeks
** Employment Status: Admin and above position only. (Work in Office)
** Important Notes:
*** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD).
*** COMPULSORY to provide (offer letter) or surat perlantikan.

* Without BPA Deduction
** Location: Whole Malaysia
** Employment Status: Customer needs to at leaast renew contract once.
** Finance: Min RM2,000 to RM20,000
** Tenure: Min 1 year - Max 5 Years
** Interest Rate: Min Tenure 1 to 5 years: 6.99%
** Payout: 94.5% - RM440.00 - 2 months installment
** Expired Facility: 58 years old
** Salary: RM1,000 and above only
** Age: 18 years and above
** Yuran: RM30
** CTOS: Borrower: RM30K and below, Guarantor: No Limit
** TAT: 2 - 3 Weeks
** Employment Status: Admin and above position only.(Work in Office)
** Important Notes:
*** Contract Staffs MUST provide letter from Employer to allow angkasa deduction.
*** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD).
*** COMPULSORY to provide (offer letter) or surat perlantikan.

== 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 ==
# Koputri Agreement (Page 1 - 14)
# BPA - 2 copies
# Photocopy of IC (disahkan majikan ori) - 3 copies
# Payslip original - 1 copy
# Payslip photocopy(disahkan majikan)(3 copies ori) for 3 months
# Pengesahan Jawatan (It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD))
# Bank Account copy
# Settlement statement (if any-exp must be more than 2 weeks)
# Opsyen Letter (if any-with cop ori majikan)
# DSR Form - [[Media:Borang-Dsr1.docx]]

== Target Market ==
* All Government employee
* Refer to MSSSB System > Department Report for more information

== GLC Target Market List ==
# Felda Holdings Berhad
# Malaysia Debt Ventures Berhad
# Mardec Berhad
# Padi Beras Nasional Berhad
# Pengurusan Danaharta Nasional Berhad
# Perbadanan Nasional Berhad
# Permodalan Nasional Berhad
# Petroliam Nasional Berhad (Petronas)
# UDA Holdings Berhad
# Malaysia Airport Holdings Berhad
# Khazanah Nasional Berhad
# National Aerospace & Defence Industries Berhad
# Mimos Berhad
# Sirim Berhad
# Felcra Berhad
# Institut Terjemahan Negara Malaysia Berhad
# Pengurusan Aset Air Berhad
# Percetakan Nasional Malaysia Berhad
# POS Malaysia Berhad
# Radio Televisyen Malaysia Berhad
# TELEKOM Malaysia Berhad
# Tenaga Nasional Berhad

== Factor Koputri 6.99% - 94.5% ==
{| class="wikitable" style="text-align:center"
! YEARS || MONTH || FACTOR
|-
! 1
| 12 || 11
|-
! 2
| 24 || 22
|-
! 3
| 36 || 30
|-
! 4
| 48 || 38
|-
! 5
| 60 || 46
|-
! 6
| 72 || 52
|-
! 7
| 84 || 59
|-
! 8
| 96 || 64
|-
! 9
| 108 || 69
|-
! 10
| 120 || 74
|-
! 11
| 132 || 79
|-
! 12
| 144 || 83
|-
! 13
| 156 || 87
|-
! 14
| 168 || 91
|-
! 15
| 180 || 94
|-
! 16
| 192 || 97
|-
! 17
| 204 || 100
|-
! 18
| 216 || 103
|-
! 19
| 228 || 106
|-
! 20
| 240 || 108
|}

* LOAN ELIGIBLE = Gross Salary x (60%/50%/40%) - all deduction - RM30 x factor
* IN HAND = LOAN ELIGIBLE x 94.5% - RM440 - 2 month installment

Koputri

2013-11-22T10:04:02Z

Admin: /* SPEED 2 */

== Product Features PERMANENT==

=== SPEED (OLD) ===
* Location: Whole Malaysia
* Employment Status: 6 Months and Above.
* Interest Rate:
**Tenure 1 to 2 years: 4.99%
**Tenure 3 to 10 years: 5.99%
* Payout: 94.5% - 2 months installment - RM440.00
* Tenure: Min 1 year - Max 10 years
* Finance: Min RM2,000 to RM250,000
* Salary: RM600 and above only
* Age: 18 years and above
* Expired Facility: 58 years old(with opsyen letter)
* Yuran: RM30
* CTOS: RM30K and below
* TAT: 2 - 3 weeks
* Tenure: 20 years
* Koop Charges: RM440.00
* Important Notes:
** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD)

=== SPEED 1 ===
* Location: Whole Malaysia
* Employment Status: 6 Months and Above.
* Interest Rate: 5.50%
* Payout: 92.5% - 2 months installment - RM440.00
* Tenure: Min 1 year - Max 10 years
* Finance: Min RM2,000 to RM250,000
* Salary: RM600 and above only
* Age: 18 years and above
* Expired Facility: 58 years old(with opsyen letter)
* Yuran: RM30
* CTOS: RM30K and below
* Tenure: 10 years
* Koop Charges: RM440.00
* Important Notes:
** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD)

CEF: [[Media:Koputri-Speed-1-CEF.zip]]

=== SPEED 2 ===
* Location: Whole Malaysia
* Employment Status: 6 Months and Above.
* Interest Rate: 5.50%
* Payout: 82% - 2 months installment - RM440.00
* Tenure: Min 1 year - Max 10 years
* Finance: Min RM2,000 to RM250,000
* Salary: RM600 and above only
* Age: 18 years and above
* Expired Facility: 58 years old(with opsyen letter)
* Yuran: RM30
* CTOS: RM30K and below
* TAT: '''2 weeks'''
* Tenure: 10 years
* Koop Charges: RM440.00
* Important Notes:
** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD)

CEF: [[Media:Koputri-Speed-2-CEF.zip]]

== Product Features CONTRACT==
* With BPA Deduction
** Location : Whole Malaysia
** Employment Status: Customer need to work at least 6 months.
** Finance: Min RM2,000 to RM20,000
** Tenure: Min 1 year - Max 5 Years
** Interest Rate: Min Tenure 1 to 5 YRS: 6.99%
** Payout: 94.5% - RM440.00 - 2 months installment
** Expired Facility: 58 years old
** Salary: RM1,000 and above only
** Age: 18 years and above
** Yuran: RM30
** CTOS: Borrower: $30k and below, Guarantor: No Limit
** TAT: 2 - 3 Weeks
** Employment Status: Admin and above position only. (Work in Office)
** Important Notes:
*** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD).
*** COMPULSORY to provide (offer letter) or surat perlantikan.

* Without BPA Deduction
** Location: Whole Malaysia
** Employment Status: Customer needs to at leaast renew contract once.
** Finance: Min RM2,000 to RM20,000
** Tenure: Min 1 year - Max 5 Years
** Interest Rate: Min Tenure 1 to 5 years: 6.99%
** Payout: 94.5% - RM440.00 - 2 months installment
** Expired Facility: 58 years old
** Salary: RM1,000 and above only
** Age: 18 years and above
** Yuran: RM30
** CTOS: Borrower: RM30K and below, Guarantor: No Limit
** TAT: 2 - 3 Weeks
** Employment Status: Admin and above position only.(Work in Office)
** Important Notes:
*** Contract Staffs MUST provide letter from Employer to allow angkasa deduction.
*** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD).
*** COMPULSORY to provide (offer letter) or surat perlantikan.

== 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 ==
# Koputri Agreement (Page 1 - 14)
# BPA - 2 copies
# Photocopy of IC (disahkan majikan ori) - 3 copies
# Payslip original - 1 copy
# Payslip photocopy(disahkan majikan)(3 copies ori) for 3 months
# Pengesahan Jawatan (It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD))
# Bank Account copy
# Settlement statement (if any-exp must be more than 2 weeks)
# Opsyen Letter (if any-with cop ori majikan)
# DSR Form - [[Media:Borang-Dsr1.docx]]

== Target Market ==
* All Government employee
* Refer to MSSSB System > Department Report for more information

== GLC Target Market List ==
# Felda Holdings Berhad
# Malaysia Debt Ventures Berhad
# Mardec Berhad
# Padi Beras Nasional Berhad
# Pengurusan Danaharta Nasional Berhad
# Perbadanan Nasional Berhad
# Permodalan Nasional Berhad
# Petroliam Nasional Berhad (Petronas)
# UDA Holdings Berhad
# Malaysia Airport Holdings Berhad
# Khazanah Nasional Berhad
# National Aerospace & Defence Industries Berhad
# Mimos Berhad
# Sirim Berhad
# Felcra Berhad
# Institut Terjemahan Negara Malaysia Berhad
# Pengurusan Aset Air Berhad
# Percetakan Nasional Malaysia Berhad
# POS Malaysia Berhad
# Radio Televisyen Malaysia Berhad
# TELEKOM Malaysia Berhad
# Tenaga Nasional Berhad

== Factor Koputri 6.99% - 94.5% ==
{| class="wikitable" style="text-align:center"
! YEARS || MONTH || FACTOR
|-
! 1
| 12 || 11
|-
! 2
| 24 || 22
|-
! 3
| 36 || 30
|-
! 4
| 48 || 38
|-
! 5
| 60 || 46
|-
! 6
| 72 || 52
|-
! 7
| 84 || 59
|-
! 8
| 96 || 64
|-
! 9
| 108 || 69
|-
! 10
| 120 || 74
|-
! 11
| 132 || 79
|-
! 12
| 144 || 83
|-
! 13
| 156 || 87
|-
! 14
| 168 || 91
|-
! 15
| 180 || 94
|-
! 16
| 192 || 97
|-
! 17
| 204 || 100
|-
! 18
| 216 || 103
|-
! 19
| 228 || 106
|-
! 20
| 240 || 108
|}

* LOAN ELIGIBLE = Gross Salary x (60%/50%/40%) - all deduction - RM30 x factor
* IN HAND = LOAN ELIGIBLE x 94.5% - RM440 - 2 month installment

Koputri

2013-11-22T10:03:53Z

Admin: /* SPEED 1 */

== Product Features PERMANENT==

=== SPEED (OLD) ===
* Location: Whole Malaysia
* Employment Status: 6 Months and Above.
* Interest Rate:
**Tenure 1 to 2 years: 4.99%
**Tenure 3 to 10 years: 5.99%
* Payout: 94.5% - 2 months installment - RM440.00
* Tenure: Min 1 year - Max 10 years
* Finance: Min RM2,000 to RM250,000
* Salary: RM600 and above only
* Age: 18 years and above
* Expired Facility: 58 years old(with opsyen letter)
* Yuran: RM30
* CTOS: RM30K and below
* TAT: 2 - 3 weeks
* Tenure: 20 years
* Koop Charges: RM440.00
* Important Notes:
** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD)

=== SPEED 1 ===
* Location: Whole Malaysia
* Employment Status: 6 Months and Above.
* Interest Rate: 5.50%
* Payout: 92.5% - 2 months installment - RM440.00
* Tenure: Min 1 year - Max 10 years
* Finance: Min RM2,000 to RM250,000
* Salary: RM600 and above only
* Age: 18 years and above
* Expired Facility: 58 years old(with opsyen letter)
* Yuran: RM30
* CTOS: RM30K and below
* Tenure: 10 years
* Koop Charges: RM440.00
* Important Notes:
** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD)

CEF: [[Media:Koputri-Speed-1-CEF.zip]]

=== SPEED 2 ===
* Location: Whole Malaysia
* Employment Status: 6 Months and Above.
* Interest Rate: 5.50%
* Payout: 82% - 2 months installment - RM440.00
* Tenure: Min 1 year - Max 10 years
* Finance: Min RM2,000 to RM250,000
* Salary: RM600 and above only
* Age: 18 years and above
* Expired Facility: 58 years old(with opsyen letter)
* Yuran: RM30
* CTOS: RM30K and below
* TAT: '''2 weeks'''
* Tenure: 10 years
* Koop Charges: RM440.00
* Important Notes:
** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD)

== Product Features CONTRACT==
* With BPA Deduction
** Location : Whole Malaysia
** Employment Status: Customer need to work at least 6 months.
** Finance: Min RM2,000 to RM20,000
** Tenure: Min 1 year - Max 5 Years
** Interest Rate: Min Tenure 1 to 5 YRS: 6.99%
** Payout: 94.5% - RM440.00 - 2 months installment
** Expired Facility: 58 years old
** Salary: RM1,000 and above only
** Age: 18 years and above
** Yuran: RM30
** CTOS: Borrower: $30k and below, Guarantor: No Limit
** TAT: 2 - 3 Weeks
** Employment Status: Admin and above position only. (Work in Office)
** Important Notes:
*** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD).
*** COMPULSORY to provide (offer letter) or surat perlantikan.

* Without BPA Deduction
** Location: Whole Malaysia
** Employment Status: Customer needs to at leaast renew contract once.
** Finance: Min RM2,000 to RM20,000
** Tenure: Min 1 year - Max 5 Years
** Interest Rate: Min Tenure 1 to 5 years: 6.99%
** Payout: 94.5% - RM440.00 - 2 months installment
** Expired Facility: 58 years old
** Salary: RM1,000 and above only
** Age: 18 years and above
** Yuran: RM30
** CTOS: Borrower: RM30K and below, Guarantor: No Limit
** TAT: 2 - 3 Weeks
** Employment Status: Admin and above position only.(Work in Office)
** Important Notes:
*** Contract Staffs MUST provide letter from Employer to allow angkasa deduction.
*** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD).
*** COMPULSORY to provide (offer letter) or surat perlantikan.

== 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 ==
# Koputri Agreement (Page 1 - 14)
# BPA - 2 copies
# Photocopy of IC (disahkan majikan ori) - 3 copies
# Payslip original - 1 copy
# Payslip photocopy(disahkan majikan)(3 copies ori) for 3 months
# Pengesahan Jawatan (It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD))
# Bank Account copy
# Settlement statement (if any-exp must be more than 2 weeks)
# Opsyen Letter (if any-with cop ori majikan)
# DSR Form - [[Media:Borang-Dsr1.docx]]

== Target Market ==
* All Government employee
* Refer to MSSSB System > Department Report for more information

== GLC Target Market List ==
# Felda Holdings Berhad
# Malaysia Debt Ventures Berhad
# Mardec Berhad
# Padi Beras Nasional Berhad
# Pengurusan Danaharta Nasional Berhad
# Perbadanan Nasional Berhad
# Permodalan Nasional Berhad
# Petroliam Nasional Berhad (Petronas)
# UDA Holdings Berhad
# Malaysia Airport Holdings Berhad
# Khazanah Nasional Berhad
# National Aerospace & Defence Industries Berhad
# Mimos Berhad
# Sirim Berhad
# Felcra Berhad
# Institut Terjemahan Negara Malaysia Berhad
# Pengurusan Aset Air Berhad
# Percetakan Nasional Malaysia Berhad
# POS Malaysia Berhad
# Radio Televisyen Malaysia Berhad
# TELEKOM Malaysia Berhad
# Tenaga Nasional Berhad

== Factor Koputri 6.99% - 94.5% ==
{| class="wikitable" style="text-align:center"
! YEARS || MONTH || FACTOR
|-
! 1
| 12 || 11
|-
! 2
| 24 || 22
|-
! 3
| 36 || 30
|-
! 4
| 48 || 38
|-
! 5
| 60 || 46
|-
! 6
| 72 || 52
|-
! 7
| 84 || 59
|-
! 8
| 96 || 64
|-
! 9
| 108 || 69
|-
! 10
| 120 || 74
|-
! 11
| 132 || 79
|-
! 12
| 144 || 83
|-
! 13
| 156 || 87
|-
! 14
| 168 || 91
|-
! 15
| 180 || 94
|-
! 16
| 192 || 97
|-
! 17
| 204 || 100
|-
! 18
| 216 || 103
|-
! 19
| 228 || 106
|-
! 20
| 240 || 108
|}

* LOAN ELIGIBLE = Gross Salary x (60%/50%/40%) - all deduction - RM30 x factor
* IN HAND = LOAN ELIGIBLE x 94.5% - RM440 - 2 month installment

File:Koputri-Speed-2-CEF.zip

2013-11-22T10:02:59Z

Admin:

File:Koputri-Speed-1-CEF.zip

2013-11-22T10:02:31Z

Admin:

Koputri

2013-11-22T10:00:11Z

Admin: /* = SPEED 2 */

== Product Features PERMANENT==

=== SPEED (OLD) ===
* Location: Whole Malaysia
* Employment Status: 6 Months and Above.
* Interest Rate:
**Tenure 1 to 2 years: 4.99%
**Tenure 3 to 10 years: 5.99%
* Payout: 94.5% - 2 months installment - RM440.00
* Tenure: Min 1 year - Max 10 years
* Finance: Min RM2,000 to RM250,000
* Salary: RM600 and above only
* Age: 18 years and above
* Expired Facility: 58 years old(with opsyen letter)
* Yuran: RM30
* CTOS: RM30K and below
* TAT: 2 - 3 weeks
* Tenure: 20 years
* Koop Charges: RM440.00
* Important Notes:
** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD)

=== SPEED 1 ===
* Location: Whole Malaysia
* Employment Status: 6 Months and Above.
* Interest Rate: 5.50%
* Payout: 92.5% - 2 months installment - RM440.00
* Tenure: Min 1 year - Max 10 years
* Finance: Min RM2,000 to RM250,000
* Salary: RM600 and above only
* Age: 18 years and above
* Expired Facility: 58 years old(with opsyen letter)
* Yuran: RM30
* CTOS: RM30K and below
* Tenure: 10 years
* Koop Charges: RM440.00
* Important Notes:
** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD)

=== SPEED 2 ===
* Location: Whole Malaysia
* Employment Status: 6 Months and Above.
* Interest Rate: 5.50%
* Payout: 82% - 2 months installment - RM440.00
* Tenure: Min 1 year - Max 10 years
* Finance: Min RM2,000 to RM250,000
* Salary: RM600 and above only
* Age: 18 years and above
* Expired Facility: 58 years old(with opsyen letter)
* Yuran: RM30
* CTOS: RM30K and below
* TAT: '''2 weeks'''
* Tenure: 10 years
* Koop Charges: RM440.00
* Important Notes:
** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD)

== Product Features CONTRACT==
* With BPA Deduction
** Location : Whole Malaysia
** Employment Status: Customer need to work at least 6 months.
** Finance: Min RM2,000 to RM20,000
** Tenure: Min 1 year - Max 5 Years
** Interest Rate: Min Tenure 1 to 5 YRS: 6.99%
** Payout: 94.5% - RM440.00 - 2 months installment
** Expired Facility: 58 years old
** Salary: RM1,000 and above only
** Age: 18 years and above
** Yuran: RM30
** CTOS: Borrower: $30k and below, Guarantor: No Limit
** TAT: 2 - 3 Weeks
** Employment Status: Admin and above position only. (Work in Office)
** Important Notes:
*** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD).
*** COMPULSORY to provide (offer letter) or surat perlantikan.

* Without BPA Deduction
** Location: Whole Malaysia
** Employment Status: Customer needs to at leaast renew contract once.
** Finance: Min RM2,000 to RM20,000
** Tenure: Min 1 year - Max 5 Years
** Interest Rate: Min Tenure 1 to 5 years: 6.99%
** Payout: 94.5% - RM440.00 - 2 months installment
** Expired Facility: 58 years old
** Salary: RM1,000 and above only
** Age: 18 years and above
** Yuran: RM30
** CTOS: Borrower: RM30K and below, Guarantor: No Limit
** TAT: 2 - 3 Weeks
** Employment Status: Admin and above position only.(Work in Office)
** Important Notes:
*** Contract Staffs MUST provide letter from Employer to allow angkasa deduction.
*** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD).
*** COMPULSORY to provide (offer letter) or surat perlantikan.

== 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 ==
# Koputri Agreement (Page 1 - 14)
# BPA - 2 copies
# Photocopy of IC (disahkan majikan ori) - 3 copies
# Payslip original - 1 copy
# Payslip photocopy(disahkan majikan)(3 copies ori) for 3 months
# Pengesahan Jawatan (It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD))
# Bank Account copy
# Settlement statement (if any-exp must be more than 2 weeks)
# Opsyen Letter (if any-with cop ori majikan)
# DSR Form - [[Media:Borang-Dsr1.docx]]

== Target Market ==
* All Government employee
* Refer to MSSSB System > Department Report for more information

== GLC Target Market List ==
# Felda Holdings Berhad
# Malaysia Debt Ventures Berhad
# Mardec Berhad
# Padi Beras Nasional Berhad
# Pengurusan Danaharta Nasional Berhad
# Perbadanan Nasional Berhad
# Permodalan Nasional Berhad
# Petroliam Nasional Berhad (Petronas)
# UDA Holdings Berhad
# Malaysia Airport Holdings Berhad
# Khazanah Nasional Berhad
# National Aerospace & Defence Industries Berhad
# Mimos Berhad
# Sirim Berhad
# Felcra Berhad
# Institut Terjemahan Negara Malaysia Berhad
# Pengurusan Aset Air Berhad
# Percetakan Nasional Malaysia Berhad
# POS Malaysia Berhad
# Radio Televisyen Malaysia Berhad
# TELEKOM Malaysia Berhad
# Tenaga Nasional Berhad

== Factor Koputri 6.99% - 94.5% ==
{| class="wikitable" style="text-align:center"
! YEARS || MONTH || FACTOR
|-
! 1
| 12 || 11
|-
! 2
| 24 || 22
|-
! 3
| 36 || 30
|-
! 4
| 48 || 38
|-
! 5
| 60 || 46
|-
! 6
| 72 || 52
|-
! 7
| 84 || 59
|-
! 8
| 96 || 64
|-
! 9
| 108 || 69
|-
! 10
| 120 || 74
|-
! 11
| 132 || 79
|-
! 12
| 144 || 83
|-
! 13
| 156 || 87
|-
! 14
| 168 || 91
|-
! 15
| 180 || 94
|-
! 16
| 192 || 97
|-
! 17
| 204 || 100
|-
! 18
| 216 || 103
|-
! 19
| 228 || 106
|-
! 20
| 240 || 108
|}

* LOAN ELIGIBLE = Gross Salary x (60%/50%/40%) - all deduction - RM30 x factor
* IN HAND = LOAN ELIGIBLE x 94.5% - RM440 - 2 month installment

Koputri

2013-11-22T10:00:04Z

Admin: /* = SPEED 1 */

== Product Features PERMANENT==

=== SPEED (OLD) ===
* Location: Whole Malaysia
* Employment Status: 6 Months and Above.
* Interest Rate:
**Tenure 1 to 2 years: 4.99%
**Tenure 3 to 10 years: 5.99%
* Payout: 94.5% - 2 months installment - RM440.00
* Tenure: Min 1 year - Max 10 years
* Finance: Min RM2,000 to RM250,000
* Salary: RM600 and above only
* Age: 18 years and above
* Expired Facility: 58 years old(with opsyen letter)
* Yuran: RM30
* CTOS: RM30K and below
* TAT: 2 - 3 weeks
* Tenure: 20 years
* Koop Charges: RM440.00
* Important Notes:
** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD)

=== SPEED 1 ===
* Location: Whole Malaysia
* Employment Status: 6 Months and Above.
* Interest Rate: 5.50%
* Payout: 92.5% - 2 months installment - RM440.00
* Tenure: Min 1 year - Max 10 years
* Finance: Min RM2,000 to RM250,000
* Salary: RM600 and above only
* Age: 18 years and above
* Expired Facility: 58 years old(with opsyen letter)
* Yuran: RM30
* CTOS: RM30K and below
* Tenure: 10 years
* Koop Charges: RM440.00
* Important Notes:
** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD)

=== SPEED 2 ==
* Location: Whole Malaysia
* Employment Status: 6 Months and Above.
* Interest Rate: 5.50%
* Payout: 82% - 2 months installment - RM440.00
* Tenure: Min 1 year - Max 10 years
* Finance: Min RM2,000 to RM250,000
* Salary: RM600 and above only
* Age: 18 years and above
* Expired Facility: 58 years old(with opsyen letter)
* Yuran: RM30
* CTOS: RM30K and below
* TAT: '''2 weeks'''
* Tenure: 10 years
* Koop Charges: RM440.00
* Important Notes:
** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD)

== Product Features CONTRACT==
* With BPA Deduction
** Location : Whole Malaysia
** Employment Status: Customer need to work at least 6 months.
** Finance: Min RM2,000 to RM20,000
** Tenure: Min 1 year - Max 5 Years
** Interest Rate: Min Tenure 1 to 5 YRS: 6.99%
** Payout: 94.5% - RM440.00 - 2 months installment
** Expired Facility: 58 years old
** Salary: RM1,000 and above only
** Age: 18 years and above
** Yuran: RM30
** CTOS: Borrower: $30k and below, Guarantor: No Limit
** TAT: 2 - 3 Weeks
** Employment Status: Admin and above position only. (Work in Office)
** Important Notes:
*** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD).
*** COMPULSORY to provide (offer letter) or surat perlantikan.

* Without BPA Deduction
** Location: Whole Malaysia
** Employment Status: Customer needs to at leaast renew contract once.
** Finance: Min RM2,000 to RM20,000
** Tenure: Min 1 year - Max 5 Years
** Interest Rate: Min Tenure 1 to 5 years: 6.99%
** Payout: 94.5% - RM440.00 - 2 months installment
** Expired Facility: 58 years old
** Salary: RM1,000 and above only
** Age: 18 years and above
** Yuran: RM30
** CTOS: Borrower: RM30K and below, Guarantor: No Limit
** TAT: 2 - 3 Weeks
** Employment Status: Admin and above position only.(Work in Office)
** Important Notes:
*** Contract Staffs MUST provide letter from Employer to allow angkasa deduction.
*** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD).
*** COMPULSORY to provide (offer letter) or surat perlantikan.

== 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 ==
# Koputri Agreement (Page 1 - 14)
# BPA - 2 copies
# Photocopy of IC (disahkan majikan ori) - 3 copies
# Payslip original - 1 copy
# Payslip photocopy(disahkan majikan)(3 copies ori) for 3 months
# Pengesahan Jawatan (It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD))
# Bank Account copy
# Settlement statement (if any-exp must be more than 2 weeks)
# Opsyen Letter (if any-with cop ori majikan)
# DSR Form - [[Media:Borang-Dsr1.docx]]

== Target Market ==
* All Government employee
* Refer to MSSSB System > Department Report for more information

== GLC Target Market List ==
# Felda Holdings Berhad
# Malaysia Debt Ventures Berhad
# Mardec Berhad
# Padi Beras Nasional Berhad
# Pengurusan Danaharta Nasional Berhad
# Perbadanan Nasional Berhad
# Permodalan Nasional Berhad
# Petroliam Nasional Berhad (Petronas)
# UDA Holdings Berhad
# Malaysia Airport Holdings Berhad
# Khazanah Nasional Berhad
# National Aerospace & Defence Industries Berhad
# Mimos Berhad
# Sirim Berhad
# Felcra Berhad
# Institut Terjemahan Negara Malaysia Berhad
# Pengurusan Aset Air Berhad
# Percetakan Nasional Malaysia Berhad
# POS Malaysia Berhad
# Radio Televisyen Malaysia Berhad
# TELEKOM Malaysia Berhad
# Tenaga Nasional Berhad

== Factor Koputri 6.99% - 94.5% ==
{| class="wikitable" style="text-align:center"
! YEARS || MONTH || FACTOR
|-
! 1
| 12 || 11
|-
! 2
| 24 || 22
|-
! 3
| 36 || 30
|-
! 4
| 48 || 38
|-
! 5
| 60 || 46
|-
! 6
| 72 || 52
|-
! 7
| 84 || 59
|-
! 8
| 96 || 64
|-
! 9
| 108 || 69
|-
! 10
| 120 || 74
|-
! 11
| 132 || 79
|-
! 12
| 144 || 83
|-
! 13
| 156 || 87
|-
! 14
| 168 || 91
|-
! 15
| 180 || 94
|-
! 16
| 192 || 97
|-
! 17
| 204 || 100
|-
! 18
| 216 || 103
|-
! 19
| 228 || 106
|-
! 20
| 240 || 108
|}

* LOAN ELIGIBLE = Gross Salary x (60%/50%/40%) - all deduction - RM30 x factor
* IN HAND = LOAN ELIGIBLE x 94.5% - RM440 - 2 month installment

Koputri

2013-11-22T09:59:57Z

Admin: /* = SPEED (OLD) */

== Product Features PERMANENT==

=== SPEED (OLD) ===
* Location: Whole Malaysia
* Employment Status: 6 Months and Above.
* Interest Rate:
**Tenure 1 to 2 years: 4.99%
**Tenure 3 to 10 years: 5.99%
* Payout: 94.5% - 2 months installment - RM440.00
* Tenure: Min 1 year - Max 10 years
* Finance: Min RM2,000 to RM250,000
* Salary: RM600 and above only
* Age: 18 years and above
* Expired Facility: 58 years old(with opsyen letter)
* Yuran: RM30
* CTOS: RM30K and below
* TAT: 2 - 3 weeks
* Tenure: 20 years
* Koop Charges: RM440.00
* Important Notes:
** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD)

=== SPEED 1 ==
* Location: Whole Malaysia
* Employment Status: 6 Months and Above.
* Interest Rate: 5.50%
* Payout: 92.5% - 2 months installment - RM440.00
* Tenure: Min 1 year - Max 10 years
* Finance: Min RM2,000 to RM250,000
* Salary: RM600 and above only
* Age: 18 years and above
* Expired Facility: 58 years old(with opsyen letter)
* Yuran: RM30
* CTOS: RM30K and below
* Tenure: 10 years
* Koop Charges: RM440.00
* Important Notes:
** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD)

=== SPEED 2 ==
* Location: Whole Malaysia
* Employment Status: 6 Months and Above.
* Interest Rate: 5.50%
* Payout: 82% - 2 months installment - RM440.00
* Tenure: Min 1 year - Max 10 years
* Finance: Min RM2,000 to RM250,000
* Salary: RM600 and above only
* Age: 18 years and above
* Expired Facility: 58 years old(with opsyen letter)
* Yuran: RM30
* CTOS: RM30K and below
* TAT: '''2 weeks'''
* Tenure: 10 years
* Koop Charges: RM440.00
* Important Notes:
** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD)

== Product Features CONTRACT==
* With BPA Deduction
** Location : Whole Malaysia
** Employment Status: Customer need to work at least 6 months.
** Finance: Min RM2,000 to RM20,000
** Tenure: Min 1 year - Max 5 Years
** Interest Rate: Min Tenure 1 to 5 YRS: 6.99%
** Payout: 94.5% - RM440.00 - 2 months installment
** Expired Facility: 58 years old
** Salary: RM1,000 and above only
** Age: 18 years and above
** Yuran: RM30
** CTOS: Borrower: $30k and below, Guarantor: No Limit
** TAT: 2 - 3 Weeks
** Employment Status: Admin and above position only. (Work in Office)
** Important Notes:
*** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD).
*** COMPULSORY to provide (offer letter) or surat perlantikan.

* Without BPA Deduction
** Location: Whole Malaysia
** Employment Status: Customer needs to at leaast renew contract once.
** Finance: Min RM2,000 to RM20,000
** Tenure: Min 1 year - Max 5 Years
** Interest Rate: Min Tenure 1 to 5 years: 6.99%
** Payout: 94.5% - RM440.00 - 2 months installment
** Expired Facility: 58 years old
** Salary: RM1,000 and above only
** Age: 18 years and above
** Yuran: RM30
** CTOS: Borrower: RM30K and below, Guarantor: No Limit
** TAT: 2 - 3 Weeks
** Employment Status: Admin and above position only.(Work in Office)
** Important Notes:
*** Contract Staffs MUST provide letter from Employer to allow angkasa deduction.
*** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD).
*** COMPULSORY to provide (offer letter) or surat perlantikan.

== 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 ==
# Koputri Agreement (Page 1 - 14)
# BPA - 2 copies
# Photocopy of IC (disahkan majikan ori) - 3 copies
# Payslip original - 1 copy
# Payslip photocopy(disahkan majikan)(3 copies ori) for 3 months
# Pengesahan Jawatan (It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD))
# Bank Account copy
# Settlement statement (if any-exp must be more than 2 weeks)
# Opsyen Letter (if any-with cop ori majikan)
# DSR Form - [[Media:Borang-Dsr1.docx]]

== Target Market ==
* All Government employee
* Refer to MSSSB System > Department Report for more information

== GLC Target Market List ==
# Felda Holdings Berhad
# Malaysia Debt Ventures Berhad
# Mardec Berhad
# Padi Beras Nasional Berhad
# Pengurusan Danaharta Nasional Berhad
# Perbadanan Nasional Berhad
# Permodalan Nasional Berhad
# Petroliam Nasional Berhad (Petronas)
# UDA Holdings Berhad
# Malaysia Airport Holdings Berhad
# Khazanah Nasional Berhad
# National Aerospace & Defence Industries Berhad
# Mimos Berhad
# Sirim Berhad
# Felcra Berhad
# Institut Terjemahan Negara Malaysia Berhad
# Pengurusan Aset Air Berhad
# Percetakan Nasional Malaysia Berhad
# POS Malaysia Berhad
# Radio Televisyen Malaysia Berhad
# TELEKOM Malaysia Berhad
# Tenaga Nasional Berhad

== Factor Koputri 6.99% - 94.5% ==
{| class="wikitable" style="text-align:center"
! YEARS || MONTH || FACTOR
|-
! 1
| 12 || 11
|-
! 2
| 24 || 22
|-
! 3
| 36 || 30
|-
! 4
| 48 || 38
|-
! 5
| 60 || 46
|-
! 6
| 72 || 52
|-
! 7
| 84 || 59
|-
! 8
| 96 || 64
|-
! 9
| 108 || 69
|-
! 10
| 120 || 74
|-
! 11
| 132 || 79
|-
! 12
| 144 || 83
|-
! 13
| 156 || 87
|-
! 14
| 168 || 91
|-
! 15
| 180 || 94
|-
! 16
| 192 || 97
|-
! 17
| 204 || 100
|-
! 18
| 216 || 103
|-
! 19
| 228 || 106
|-
! 20
| 240 || 108
|}

* LOAN ELIGIBLE = Gross Salary x (60%/50%/40%) - all deduction - RM30 x factor
* IN HAND = LOAN ELIGIBLE x 94.5% - RM440 - 2 month installment

Koputri

2013-11-22T09:59:41Z

Admin: /* Product Features PERMANENT */

== Product Features PERMANENT==

=== SPEED (OLD) ==
* Location: Whole Malaysia
* Employment Status: 6 Months and Above.
* Interest Rate:
**Tenure 1 to 2 years: 4.99%
**Tenure 3 to 10 years: 5.99%
* Payout: 94.5% - 2 months installment - RM440.00
* Tenure: Min 1 year - Max 10 years
* Finance: Min RM2,000 to RM250,000
* Salary: RM600 and above only
* Age: 18 years and above
* Expired Facility: 58 years old(with opsyen letter)
* Yuran: RM30
* CTOS: RM30K and below
* TAT: 2 - 3 weeks
* Tenure: 20 years
* Koop Charges: RM440.00
* Important Notes:
** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD)

=== SPEED 1 ==
* Location: Whole Malaysia
* Employment Status: 6 Months and Above.
* Interest Rate: 5.50%
* Payout: 92.5% - 2 months installment - RM440.00
* Tenure: Min 1 year - Max 10 years
* Finance: Min RM2,000 to RM250,000
* Salary: RM600 and above only
* Age: 18 years and above
* Expired Facility: 58 years old(with opsyen letter)
* Yuran: RM30
* CTOS: RM30K and below
* Tenure: 10 years
* Koop Charges: RM440.00
* Important Notes:
** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD)

=== SPEED 2 ==
* Location: Whole Malaysia
* Employment Status: 6 Months and Above.
* Interest Rate: 5.50%
* Payout: 82% - 2 months installment - RM440.00
* Tenure: Min 1 year - Max 10 years
* Finance: Min RM2,000 to RM250,000
* Salary: RM600 and above only
* Age: 18 years and above
* Expired Facility: 58 years old(with opsyen letter)
* Yuran: RM30
* CTOS: RM30K and below
* TAT: '''2 weeks'''
* Tenure: 10 years
* Koop Charges: RM440.00
* Important Notes:
** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD)

== Product Features CONTRACT==
* With BPA Deduction
** Location : Whole Malaysia
** Employment Status: Customer need to work at least 6 months.
** Finance: Min RM2,000 to RM20,000
** Tenure: Min 1 year - Max 5 Years
** Interest Rate: Min Tenure 1 to 5 YRS: 6.99%
** Payout: 94.5% - RM440.00 - 2 months installment
** Expired Facility: 58 years old
** Salary: RM1,000 and above only
** Age: 18 years and above
** Yuran: RM30
** CTOS: Borrower: $30k and below, Guarantor: No Limit
** TAT: 2 - 3 Weeks
** Employment Status: Admin and above position only. (Work in Office)
** Important Notes:
*** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD).
*** COMPULSORY to provide (offer letter) or surat perlantikan.

* Without BPA Deduction
** Location: Whole Malaysia
** Employment Status: Customer needs to at leaast renew contract once.
** Finance: Min RM2,000 to RM20,000
** Tenure: Min 1 year - Max 5 Years
** Interest Rate: Min Tenure 1 to 5 years: 6.99%
** Payout: 94.5% - RM440.00 - 2 months installment
** Expired Facility: 58 years old
** Salary: RM1,000 and above only
** Age: 18 years and above
** Yuran: RM30
** CTOS: Borrower: RM30K and below, Guarantor: No Limit
** TAT: 2 - 3 Weeks
** Employment Status: Admin and above position only.(Work in Office)
** Important Notes:
*** Contract Staffs MUST provide letter from Employer to allow angkasa deduction.
*** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD).
*** COMPULSORY to provide (offer letter) or surat perlantikan.

== 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 ==
# Koputri Agreement (Page 1 - 14)
# BPA - 2 copies
# Photocopy of IC (disahkan majikan ori) - 3 copies
# Payslip original - 1 copy
# Payslip photocopy(disahkan majikan)(3 copies ori) for 3 months
# Pengesahan Jawatan (It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD))
# Bank Account copy
# Settlement statement (if any-exp must be more than 2 weeks)
# Opsyen Letter (if any-with cop ori majikan)
# DSR Form - [[Media:Borang-Dsr1.docx]]

== Target Market ==
* All Government employee
* Refer to MSSSB System > Department Report for more information

== GLC Target Market List ==
# Felda Holdings Berhad
# Malaysia Debt Ventures Berhad
# Mardec Berhad
# Padi Beras Nasional Berhad
# Pengurusan Danaharta Nasional Berhad
# Perbadanan Nasional Berhad
# Permodalan Nasional Berhad
# Petroliam Nasional Berhad (Petronas)
# UDA Holdings Berhad
# Malaysia Airport Holdings Berhad
# Khazanah Nasional Berhad
# National Aerospace & Defence Industries Berhad
# Mimos Berhad
# Sirim Berhad
# Felcra Berhad
# Institut Terjemahan Negara Malaysia Berhad
# Pengurusan Aset Air Berhad
# Percetakan Nasional Malaysia Berhad
# POS Malaysia Berhad
# Radio Televisyen Malaysia Berhad
# TELEKOM Malaysia Berhad
# Tenaga Nasional Berhad

== Factor Koputri 6.99% - 94.5% ==
{| class="wikitable" style="text-align:center"
! YEARS || MONTH || FACTOR
|-
! 1
| 12 || 11
|-
! 2
| 24 || 22
|-
! 3
| 36 || 30
|-
! 4
| 48 || 38
|-
! 5
| 60 || 46
|-
! 6
| 72 || 52
|-
! 7
| 84 || 59
|-
! 8
| 96 || 64
|-
! 9
| 108 || 69
|-
! 10
| 120 || 74
|-
! 11
| 132 || 79
|-
! 12
| 144 || 83
|-
! 13
| 156 || 87
|-
! 14
| 168 || 91
|-
! 15
| 180 || 94
|-
! 16
| 192 || 97
|-
! 17
| 204 || 100
|-
! 18
| 216 || 103
|-
! 19
| 228 || 106
|-
! 20
| 240 || 108
|}

* LOAN ELIGIBLE = Gross Salary x (60%/50%/40%) - all deduction - RM30 x factor
* IN HAND = LOAN ELIGIBLE x 94.5% - RM440 - 2 month installment

Main Page

2013-04-04T09:16:01Z

Admin:

Management Support System Sdn. Bhd. Processing Reference

[[General Guidelines]]

== List of Active Packages ==

* [[MBSB - Exec-i]] - [[MBSB Form Filling Guide]] - [[Media:MbsbBancaSample.zip]]
* [[MBSB - Vaganza]]
* [[MBSB - Max-i]]
* [[MBSB - New Year 2013]]
* [[RHB - PENCEN]] - [[RHB Pencen Form and Filling Guide for Army]] - [[RHB Pencen Form and Filling Guide for JPA]]
* [[Coshare (KFH)]] - [[Coshare (KFH) Form Filling Guide]]
* [[Kowamas - Bank Rakyat]] - [[Kowamas Bank Rakyat Form Filling Guide]]
* [[Kowamas - Maybank]]
* [[Kobeta - Bank Rakyat]] - [[Kobeta Bank Rakyat Form Filling Guide]]
* [[Al Rajhi - Mass Market]] - [[Arb Mass Market Form Filling Guide]]
* [[Petronesa - KFH]] - [[Petronesa KFH Form Filling Guide]]
* [[Koputri]] - [[Koputri Form Filling Guide]]
* [[Ikhtiar - KFH]] - [[Ikhtiar KFH Form Filling Guide]]
* [[Ukhwah - MBB]] - [[Ukhwah Form Filling Guide]]
* [[RCE - Yayasan]] - [[RCE Yayasan Form Filling Guide]]
* [[RHB - Goverment]] - [[RHB Government Form Filling Guide]]

== Inactive Packages ==

* [[MBSB - Perwira-i]] - Temporarily Inactive
* [[Kobeta - Al Rajhi]] - Temporarily Inactive
* [[Kospek - EON]] - Temporarily Inactive
* [[Kospek - Al Rajhi]] - Temporarily Inactive
* [[Ubahsuai]] - Temporarily Inactive
* [[Perdanajaya - Bank Rakyat]]
* [[Petronesa - HDM Capital]] - [[Petronesa HDM Form Filling Guide]]
* [[MBSB - Waslah]]
* [[MBSB - XChange-i]]
* [[MBSB - NJOI RAYA-Temporary Package]]

Main Page

2013-04-04T09:14:52Z

Admin:

Management Support System Sdn. Bhd. Processing Reference

[[General Guidelines]]

== List of Active Packages ==

* [[MBSB - Exec-i]] - [[MBSB Form Filling Guide]] - [[Media:MbsbBancaSample.zip]]
* [[MBSB - Vaganza]]
* [[MBSB - XChange-i]]
* [[MBSB - NJOI RAYA-Temporary Package]]
* [[MBSB - Max-i]]
* [[MBSB - New Year 2013]]
* [[RHB - PENCEN]] - [[RHB Pencen Form and Filling Guide for Army]] - [[RHB Pencen Form and Filling Guide for JPA]]
* [[Coshare (KFH)]] - [[Coshare (KFH) Form Filling Guide]]
* [[Kowamas - Bank Rakyat]] - [[Kowamas Bank Rakyat Form Filling Guide]]
* [[Kowamas - Maybank]]
* [[Kobeta - Bank Rakyat]] - [[Kobeta Bank Rakyat Form Filling Guide]]
* [[Al Rajhi - Mass Market]] - [[Arb Mass Market Form Filling Guide]]
* [[Petronesa - KFH]] - [[Petronesa KFH Form Filling Guide]]
* [[Koputri]] - [[Koputri Form Filling Guide]]
* [[Ikhtiar - KFH]] - [[Ikhtiar KFH Form Filling Guide]]
* [[Ukhwah - MBB]] - [[Ukhwah Form Filling Guide]]
* [[RCE - Yayasan]] - [[RCE Yayasan Form Filling Guide]]
* [[RHB - Goverment]] - [[RHB Government Form Filling Guide]]

== Inactive Packages ==

* [[MBSB - Perwira-i]] - Temporarily Inactive
* [[Kobeta - Al Rajhi]] - Temporarily Inactive
* [[Kospek - EON]] - Temporarily Inactive
* [[Kospek - Al Rajhi]] - Temporarily Inactive
* [[Ubahsuai]] - Temporarily Inactive
* [[Perdanajaya - Bank Rakyat]]
* [[Petronesa - HDM Capital]] - [[Petronesa HDM Form Filling Guide]]
* [[MBSB - Waslah]]

Main Page

2013-04-04T09:14:18Z

Admin:

Management Support System Sdn. Bhd. Processing Reference

[[General Guidelines]]

== List of Active Packages ==

* [[MBSB - Waslah]] - [[MBSB Form Filling Guide]] - [[Media:MbsbBancaSample.zip]]
* [[MBSB - Exec-i]]
* [[MBSB - Vaganza]]
* [[MBSB - XChange-i]]
* [[MBSB - NJOI RAYA-Temporary Package]]
* [[MBSB - Max-i]]
* [[MBSB - New Year 2013]]
* [[RHB - PENCEN]] - [[RHB Pencen Form and Filling Guide for Army]] - [[RHB Pencen Form and Filling Guide for JPA]]
* [[Coshare (KFH)]] - [[Coshare (KFH) Form Filling Guide]]
* [[Kowamas - Bank Rakyat]] - [[Kowamas Bank Rakyat Form Filling Guide]]
* [[Kowamas - Maybank]]
* [[Kobeta - Bank Rakyat]] - [[Kobeta Bank Rakyat Form Filling Guide]]
* [[Al Rajhi - Mass Market]] - [[Arb Mass Market Form Filling Guide]]
* [[Petronesa - KFH]] - [[Petronesa KFH Form Filling Guide]]
* [[Koputri]] - [[Koputri Form Filling Guide]]
* [[Ikhtiar - KFH]] - [[Ikhtiar KFH Form Filling Guide]]
* [[Ukhwah - MBB]] - [[Ukhwah Form Filling Guide]]
* [[RCE - Yayasan]] - [[RCE Yayasan Form Filling Guide]]
* [[RHB - Goverment]] - [[RHB Government Form Filling Guide]]

== Inactive Packages ==

* [[MBSB - Perwira-i]] - Temporarily Inactive
* [[Kobeta - Al Rajhi]] - Temporarily Inactive
* [[Kospek - EON]] - Temporarily Inactive
* [[Kospek - Al Rajhi]] - Temporarily Inactive
* [[Ubahsuai]] - Temporarily Inactive
* [[Perdanajaya - Bank Rakyat]]
* [[Petronesa - HDM Capital]] - [[Petronesa HDM Form Filling Guide]]

File:MBSB-Bureau-MAX-I-2-without-Banca.xls

2013-01-17T10:25:20Z

Admin:

File:MBSB-Bureau-MAX-I-2-Banca.xls

2013-01-17T10:24:57Z

Admin:

MBSB - Max-i

2013-01-17T10:24:07Z

Admin: /* Calculation Sheet & Repayment Table */

== Product Features ==
* Area Covered: East Malaysia and West Malaysia
* Interest Rate:
** With Banca Takaful: 4.99%- minimum deduction for BANCA TAKAFUL is RM650(13 months) - to be renew every year by customer
** Without Banca Takaful: 5.20%
* Payout: '''100%'''
* Tenure: Min 5 years - Max 20 years
* Finance: Min RM3,000 to '''RM250,000'''
''**Note: Maximum financing amount for Non-Biro is up to RM200,000''
* Salary: RM700 and above only
* Age: 19 years and above
* Expired Facility: 60 years old(opsyen letter)
* Tat: 7 working days(for application above RM200,000 will take additional week)
* Yuran: Waived
* CTOS: RM20,000 and below (Please provide settlement statement if customer wishes to settle)

== Package Validity ==
*1/1/2012 to 31/12/2012

== Internal Overlap ==

* Customer are allowed to do fresh loan & overlap Mbsb account
* If customer has existing account with MBSB, they may apply for this package as a second account. However,customer are not eligible to apply if customer has an existing WASLAH account.

== Payslip expiry date ==
Payslip will expire every 20th of the subsequent month, example:
* February payslip will expire on the 20th April
* March payslip will expire on the 20th May

== 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 Memangku
* Elaun Tanggungan
* Elaun Jahitan
* Elaun Warden
(This list will be updated from time to time)

== Document List ==
'''**Please note that from 1st January 2012, MBSB will only accept new forms.Please get new copies of the applications from our office.Thank You.'''
# MBSB Agreement
# BPA - 1 copy
# Photocopy of IC(disahkan majikan) - 2 copies
# Payslip original - 1 copy
# Payslip photocopy(disahkan majikan)(3 copies) for 3 months
# Pengesahan Jawatan
# Bank Account copy(disahkan majikan)
# Borang Amanahraya
# Borang Wasiat(Please provide photocopy of Kad Wasiat if customer inform he/she already has an account with amanahraya)
# Borang Temanku
# Settlement statement
# Opsyen Letter
# Lampiran Tambahan (Addadem)

== Target Market ==
* Same target market as WASLAH

== Non Target Market ==
* Pos Malaysia
* Perbadanan Labuan

== Calculation Sheet & Repayment Table ==

=== Old CEF ===
[[Media:MBSBMax-I-CEF4.99%.xls]]

[[Media:MBSBMax-I-CEF5.20%.xls]]

[[Media:MBSBMax-I-RT4.99.xls]]

[[Media:MBSBMax-I-RT5.20.xls]]

=== Updated on 2013-01-14 ===
[[Media:MBSB-AG-MAX-I-2-Banca.xls]]

[[Media:MBSB-AG-MAX-I-2-without-Banca.xls]]

=== Updated on 2013-01-17 ===

Note: Calculator for Bureau/Biro and AG are the same.

[[Media:MBSB-Bureau-MAX-I-2-Banca.xls]]

[[Media:MBSB-Bureau-MAX-I-2-without-Banca.xls]]

File:MBSB-AG-NewYear2013-without-Banca.xls

2013-01-14T09:41:01Z

Admin:

File:MBSB-AG-NewYear2013-Banca.xls

2013-01-14T09:40:44Z

Admin:

MBSB - New Year 2013

2013-01-14T09:40:29Z

Admin: Created page with "== Calculation Sheet & Repayment Table == === Updated on 2013-01-14 === Media:MBSB-AG-NewYear2013-Banca.xls Media:MBSB-AG-NewYear2013-without-Banca.xls"

== Calculation Sheet & Repayment Table ==

=== Updated on 2013-01-14 ===
[[Media:MBSB-AG-NewYear2013-Banca.xls]]

[[Media:MBSB-AG-NewYear2013-without-Banca.xls]]

Main Page

2013-01-14T09:39:25Z

Admin: /* List of Active Packages */

Management Support System Sdn. Bhd. Processing Reference

[[General Guidelines]]

== List of Active Packages ==

* [[MBSB - Waslah]] - [[MBSB Form Filling Guide]] - [[Media:MbsbBancaSample.zip]]
* [[MBSB - Exec-i]]
* [[MBSB - Vaganza]]
* [[MBSB - XChange-i]]
* [[MBSB - NJOI RAYA-Temporary Package]]
* [[MBSB - Max-i]]
* [[MBSB - New Year 2013]]
* [[RHB - PENCEN]] - [[RHB Pencen Form and Filling Guide for Army]] - [[RHB Pencen Form and Filling Guide for JPA]]
* [[Coshare (KFH)]] - [[Coshare (KFH) Form Filling Guide]]
* [[Perdanajaya - Bank Rakyat]]
* [[Kowamas - Bank Rakyat]] - [[Kowamas Bank Rakyat Form Filling Guide]]
* [[Kowamas - Maybank]]
* [[Kobeta - Bank Rakyat]] - [[Kobeta Bank Rakyat Form Filling Guide]]
* [[Al Rajhi - Mass Market]] - [[Arb Mass Market Form Filling Guide]]
* [[Petronesa - HDM Capital]] - [[Petronesa HDM Form Filling Guide]]
* [[Petronesa - KFH]] - [[Petronesa KFH Form Filling Guide]]
* [[Koputri]] - [[Koputri Form Filling Guide]]
* [[Ikhtiar - KFH]] - [[Ikhtiar KFH Form Filling Guide]]
* [[Ukhwah - MBB]] - [[Ukhwah Form Filling Guide]]
* [[RCE - Yayasan]] - [[RCE Yayasan Form Filling Guide]]

== Inactive Packages ==

* [[MBSB - Perwira-i]] - Temporarily Inactive
* [[Kobeta - Al Rajhi]] - Temporarily Inactive
* [[Kospek - EON]] - Temporarily Inactive
* [[Kospek - Al Rajhi]] - Temporarily Inactive
* [[Ubahsuai]] - Temporarily Inactive

File:MBSB-AG-MAX-I-2-without-Banca.xls

2013-01-14T09:38:54Z

Admin:

File:MBSB-AG-MAX-I-2-Banca.xls

2013-01-14T09:38:33Z

Admin:

MBSB - Max-i

2013-01-14T09:34:43Z

Admin: /* Calculation Sheet & Repayment Table */

Al Rajhi - Mass Market

2013-01-04T07:37:45Z

Admin: /* Employment Status F - CCSP-SD (Joint Value) */

== Pre Sales Checking ==
* To assist in speeding up the process, just email us at alrajhi@msssb.com for PRE SALES CHECKING.
Attached together the following documents:
** Customer's I/C (front & back)
** Pay Slip (latest
** Application Form

*We will inform you within 3 working days on the eligibility. Once you have obtained the approval, you have to submit the complete full set of documents to us to process for submission (we will let you know when u must submit the full documents to us).

== Target Market ==
* Applicants without potongan biro are allowed to apply under this package.
* Self-employed / Own business
* Direct Sales
* Commission Earners
* Insurance Agents

== Al Rajhi Approved Employer ==

=== AEL (Approved Employment Listing) ===
* Needs only 1 month payslip
* Payslip condition must be carbonite / logo(payslip photocopy)
* Bank statement(must have pengesahan from bank officer)
* Payslip without logo - perlu disahkan oleh HR(copy perlu ada 1)nama pic 2)Jawatan 3)nama company/alamat)

=== EEL (E Employment Listing)===
* Do not need to have pengesahan jawatan.
* Foreigner can apply - gaji must be RM15k and above.

===Sdn Bhd Company===
* Needs 3 month payslip
* Needs 3 months bank statement (to show salary)
* Certain company must have verification letter (with letter head) addressed to Al Rajhi Bank

== Employment Status A - Generic (Employee) ==
* Normal Rate: 7.99%
* High Income Rate: 6.50% (Income more than RM10,000)
* Financing Amount: RM2,000 - RM150,000 (Max)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-5 years
* Age:
** Min: 21 years old based on year of Birth
** Max: 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

* '''DOCUMENTATION''':
*# Latest 3 month payslip - must be endorsed by company
*# 2 copies of NRIC (both side) - must be endorsed by company
*# Utility Bill (If the current address doesn't tally with the address in the NRIC) - must be endorsed by company
*# Reference letter from HR (if applicable)
*# Bank statement showing latest 3 months income credited into bank account (must be endorsed by bank's officer including the bank's name and bank's official stamped.)
*# Supporting Document (if applicable):
*## Rental Proceeds (Property):
*### Stamped tenancy agreement valid for at least 6 months.
*### Latest personal bank statements showing latest 3 consecutive
*'''IMPORTANT''': Endorsement by company must be done by HR/Finance/Admin/Branch/Dept/Div head with company's stamp with address, name, signature and designation

== Employment Status B - Generic (Self Employed) ==
* Rate: 7.99%
* Financing Amount: RM2,000 - RM100,000 (Max)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-5 years
* Age:
** Min: 21 years old based on year of birth
** Max: 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# 2 copies of NRIC (both side)
# Business registration
# 6 months business bank statement (must endorse by bank's officer including the bank's name and bank's official stamped.)
# Form B (Personal Income Tax Declaration)
# Receipt of Tax Payment as proof
# Utility Bill (if the current address doesn't tally with the address in the NRIC)
# Supporting Document (if applicable):
#* Rental Proceeds (Property):
#** Stamped tenancy agreement valid for at least 6 months.
#** Latest personal bank statements showing latest 3 consecutive

== Employment Status C - Generic (PF-FI) ==
* Rate: 6.99%
* Profit Return: 3.00% (Indicative)
* Financing Amount: RM5,000 - RM150,000 (Max)
* Financing Limit: Up to Max MOF 95%
* Financing Tenure: 1-7 years
* Security: Fixed investment (FI) / Current Account & Saving Account - CASA (Deposit)
* Age:
** Min: 21 years old based on Year of Birth
** Max: 65 years old (based on year of birth;age at the end of financing should not more than 60 years old) (PF secured FI<65 years old)
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Processing Fee: NIL
** Stamp Duty on:
**# Master Commodity Sale Agreement - Ad Valorem (0.5% of the total financing amount)
**# Letter of Offer - RM 10.00
**# Letter of Set Off - RM 20.00
**# Memorandum of Deposit - RM 30.00
**# Power of Attorney - RM 30.00
**# Folio (6 pages X RM2.00) - RM 12.00
**# Court Registration - RM 10.00
**# Attestation - RM 20.00
**# Revocation of PA - RM 36.00
** Actual cost incurred (payable to commodity supplier):
**# BURSA Transaction Fee
**# Transfer of Ownership Fee (for Steamcoal)
** Optional
**# Takaful (depends on the amount financing, tenure and age)
**# Standard Will Writing -RM 350.00
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia Citizens / PR Holders

* '''DOCUMENTATION''':
*# 2 copies of NRIC (both side)

== Employment Status D - Generic (Target Segment) ==
* Rate:
** 2-5 years (7.25%)
** 6-7 years up to (11.99%)
* Financing Amount: RM2,000 - RM150,000(MAX)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-7 years
* Age:
** Min 21 years old based on year of birth
** Max 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
*# Latest 1 month payslip - must be endorsed by company
*# 1 copies of NRIC (both side) - must be endorsed by company
*# Utility Bill (if the current address doesn't tally with the address in the NRIC) - must be endorsed by company
*# Reference letter from HR (if applicable)
*# Bank statement showing latest 3 months income credited into bank account (must be endorsed by bank's officer including the bank's name and bank's official stamped.)
*# Supporting Document (if applicable):
*## Rental Proceeds (Property):
*### Stamped tenancy agreement valid for at least 6 months.
*### Latest personal bank statements showing latest 3 consecutive
* '''IMPORTANT''': Endorsement by company must be done by HR/Finance/Admin/Branch/Dept/Div Head with company's stamp with address, name signature and designation

== Employment Status E - Generic (Balance Transfer) ==
* Rate: 7.25%
* High Income Rate: 6.50% (income more than RM10,000)
* Financing Amount: RM2,000 - RM150,000 (Max)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-5 years
* Age:
** Min: 21 years old based on year of birth
** Max: 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

* '''DOCUMENTATION''':
*# Latest Credit Card Statement - must be endorsed by company
*# 2 copies of NRIC (both side) - must be endorsed by company
*# Utility Bill (if the current address doesn't tally with the address in the NRIC) - must be endorsed by company
*# Bank statement showing latest 3 months income credited into bank account (must endorse by bank's officer including the bank's name and bank's official stamped.)
*# Supporting Document (if applicable):
*## Rental Proceeds (Property):
*### Stamped tenancy agreement valid for at least 6 months.
*### Latest personal bank statements showing latest 3 consecutive
* '''IMPORTANT''': Endorsement by company must be done by HR/Finance/Admin/Branch/Dept/Div Head with company's stamp with address,name,signature and designation

== Employment Status F - CCSP-SD (Joint Value) ==
* Rate:
** 2-3 years: 3.50%
** 4-5 years: 4.75%
** 6-10 years: 5.50%
** 11-15 years: 5.75%
* Financing Amount: RM2,000 - RM150,000 (Max)
* Financing Limit: 26 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-15 years
* Age:
** Min: 21 years old based on year of birth
** Max: 55 years old or up to retirement age
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Direct salary deduction from company's HR
* Nationality: Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
*# Application Form - Employee to complete application form & submit to ARBM Sales Representatives
*# 2 copies of NRIC - (both side) with original sighted by ABRM representative
*# Salary Slip - most recent salary slip duly endorsed by Company's Human Resources (HR)
*# Employment Confirmation - Confirmation from HR on employee's salary & employment status via HR confirmation letter
*# Letter of Authorization - Authorization from Employee to ARBM & Company's HR to allow Employer to deduct Employee's monthly salary for installment payment
*# Additional Documents:
*#* Irrevocable instructions
*#* Letter of Acknowledgement & consent
*#* Staff Confirmation

Al Rajhi - Mass Market

2013-01-04T07:37:26Z

Admin: /* Employment Status F - CCSP-SD (Joint Value) */

== Pre Sales Checking ==
* To assist in speeding up the process, just email us at alrajhi@msssb.com for PRE SALES CHECKING.
Attached together the following documents:
** Customer's I/C (front & back)
** Pay Slip (latest
** Application Form

*We will inform you within 3 working days on the eligibility. Once you have obtained the approval, you have to submit the complete full set of documents to us to process for submission (we will let you know when u must submit the full documents to us).

== Target Market ==
* Applicants without potongan biro are allowed to apply under this package.
* Self-employed / Own business
* Direct Sales
* Commission Earners
* Insurance Agents

== Al Rajhi Approved Employer ==

=== AEL (Approved Employment Listing) ===
* Needs only 1 month payslip
* Payslip condition must be carbonite / logo(payslip photocopy)
* Bank statement(must have pengesahan from bank officer)
* Payslip without logo - perlu disahkan oleh HR(copy perlu ada 1)nama pic 2)Jawatan 3)nama company/alamat)

=== EEL (E Employment Listing)===
* Do not need to have pengesahan jawatan.
* Foreigner can apply - gaji must be RM15k and above.

===Sdn Bhd Company===
* Needs 3 month payslip
* Needs 3 months bank statement (to show salary)
* Certain company must have verification letter (with letter head) addressed to Al Rajhi Bank

== Employment Status A - Generic (Employee) ==
* Normal Rate: 7.99%
* High Income Rate: 6.50% (Income more than RM10,000)
* Financing Amount: RM2,000 - RM150,000 (Max)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-5 years
* Age:
** Min: 21 years old based on year of Birth
** Max: 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

* '''DOCUMENTATION''':
*# Latest 3 month payslip - must be endorsed by company
*# 2 copies of NRIC (both side) - must be endorsed by company
*# Utility Bill (If the current address doesn't tally with the address in the NRIC) - must be endorsed by company
*# Reference letter from HR (if applicable)
*# Bank statement showing latest 3 months income credited into bank account (must be endorsed by bank's officer including the bank's name and bank's official stamped.)
*# Supporting Document (if applicable):
*## Rental Proceeds (Property):
*### Stamped tenancy agreement valid for at least 6 months.
*### Latest personal bank statements showing latest 3 consecutive
*'''IMPORTANT''': Endorsement by company must be done by HR/Finance/Admin/Branch/Dept/Div head with company's stamp with address, name, signature and designation

== Employment Status B - Generic (Self Employed) ==
* Rate: 7.99%
* Financing Amount: RM2,000 - RM100,000 (Max)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-5 years
* Age:
** Min: 21 years old based on year of birth
** Max: 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# 2 copies of NRIC (both side)
# Business registration
# 6 months business bank statement (must endorse by bank's officer including the bank's name and bank's official stamped.)
# Form B (Personal Income Tax Declaration)
# Receipt of Tax Payment as proof
# Utility Bill (if the current address doesn't tally with the address in the NRIC)
# Supporting Document (if applicable):
#* Rental Proceeds (Property):
#** Stamped tenancy agreement valid for at least 6 months.
#** Latest personal bank statements showing latest 3 consecutive

== Employment Status C - Generic (PF-FI) ==
* Rate: 6.99%
* Profit Return: 3.00% (Indicative)
* Financing Amount: RM5,000 - RM150,000 (Max)
* Financing Limit: Up to Max MOF 95%
* Financing Tenure: 1-7 years
* Security: Fixed investment (FI) / Current Account & Saving Account - CASA (Deposit)
* Age:
** Min: 21 years old based on Year of Birth
** Max: 65 years old (based on year of birth;age at the end of financing should not more than 60 years old) (PF secured FI<65 years old)
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Processing Fee: NIL
** Stamp Duty on:
**# Master Commodity Sale Agreement - Ad Valorem (0.5% of the total financing amount)
**# Letter of Offer - RM 10.00
**# Letter of Set Off - RM 20.00
**# Memorandum of Deposit - RM 30.00
**# Power of Attorney - RM 30.00
**# Folio (6 pages X RM2.00) - RM 12.00
**# Court Registration - RM 10.00
**# Attestation - RM 20.00
**# Revocation of PA - RM 36.00
** Actual cost incurred (payable to commodity supplier):
**# BURSA Transaction Fee
**# Transfer of Ownership Fee (for Steamcoal)
** Optional
**# Takaful (depends on the amount financing, tenure and age)
**# Standard Will Writing -RM 350.00
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia Citizens / PR Holders

* '''DOCUMENTATION''':
*# 2 copies of NRIC (both side)

== Employment Status D - Generic (Target Segment) ==
* Rate:
** 2-5 years (7.25%)
** 6-7 years up to (11.99%)
* Financing Amount: RM2,000 - RM150,000(MAX)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-7 years
* Age:
** Min 21 years old based on year of birth
** Max 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
*# Latest 1 month payslip - must be endorsed by company
*# 1 copies of NRIC (both side) - must be endorsed by company
*# Utility Bill (if the current address doesn't tally with the address in the NRIC) - must be endorsed by company
*# Reference letter from HR (if applicable)
*# Bank statement showing latest 3 months income credited into bank account (must be endorsed by bank's officer including the bank's name and bank's official stamped.)
*# Supporting Document (if applicable):
*## Rental Proceeds (Property):
*### Stamped tenancy agreement valid for at least 6 months.
*### Latest personal bank statements showing latest 3 consecutive
* '''IMPORTANT''': Endorsement by company must be done by HR/Finance/Admin/Branch/Dept/Div Head with company's stamp with address, name signature and designation

== Employment Status E - Generic (Balance Transfer) ==
* Rate: 7.25%
* High Income Rate: 6.50% (income more than RM10,000)
* Financing Amount: RM2,000 - RM150,000 (Max)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-5 years
* Age:
** Min: 21 years old based on year of birth
** Max: 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

* '''DOCUMENTATION''':
*# Latest Credit Card Statement - must be endorsed by company
*# 2 copies of NRIC (both side) - must be endorsed by company
*# Utility Bill (if the current address doesn't tally with the address in the NRIC) - must be endorsed by company
*# Bank statement showing latest 3 months income credited into bank account (must endorse by bank's officer including the bank's name and bank's official stamped.)
*# Supporting Document (if applicable):
*## Rental Proceeds (Property):
*### Stamped tenancy agreement valid for at least 6 months.
*### Latest personal bank statements showing latest 3 consecutive
* '''IMPORTANT''': Endorsement by company must be done by HR/Finance/Admin/Branch/Dept/Div Head with company's stamp with address,name,signature and designation

== Employment Status F - CCSP-SD (Joint Value) ==
* Rate :
** 2-3 years: 3.50%
** 4-5 years: 4.75%
** 6-10 years: 5.50%
** 11-15 years: 5.75%
* Financing Amount: RM2,000 - RM150,000 (Max)
* Financing Limit: 26 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-15 years
* Age:
** Min: 21 years old based on year of birth
** Max: 55 years old or up to retirement age
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Direct salary deduction from company's HR
* Nationality: Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
*# Application Form - Employee to complete application form & submit to ARBM Sales Representatives
*# 2 copies of NRIC - (both side) with original sighted by ABRM representative
*# Salary Slip - most recent salary slip duly endorsed by Company's Human Resources (HR)
*# Employment Confirmation - Confirmation from HR on employee's salary & employment status via HR confirmation letter
*# Letter of Authorization - Authorization from Employee to ARBM & Company's HR to allow Employer to deduct Employee's monthly salary for installment payment
*# Additional Documents:
*#* Irrevocable instructions
*#* Letter of Acknowledgement & consent
*#* Staff Confirmation

File:Rhb-pension-scheme-jpa.zip

2012-10-19T09:59:04Z

Admin: uploaded a new version of "File:Rhb-pension-scheme-jpa.zip"

Ukhwah - MBB

2012-07-26T07:35:16Z

Admin: /* Calculation Sheet */

== UKHWAH PROMOTION RATE ==
* Period:16-07-2012 to 15-10-2012
* Payout:91.5% - RM490
* Interest Rate:
# 2 to 3 years - 4.35%
# 4 to 10 years - 4.65%
# 11 to 15 years - 4.99%
# 16 to 20 years - 5.45%

== Product Features ==
* Location:Whole Malaysia
* Interest Rate:5.59%
* Payout: 91.5% - RM490
* Tenure:Min 2 year - Max 20 years
* Finance:Min RM1,000 to RM200,000
* Salary:RM700 and above only
* Age:19 - 57 years
* Tat:2 weeks
* Yuran:RM30
* CTOS: Ctos above RM30K, will lead the profit rate to become 6.99%
* Special Requirement:

== Payslip expiry date ==
Payslip will expire every 10th. Example:

* February payslip will expire on the 10th April.
* March payslip will expire on the 10th May

== Document List ==
UKHWAH FORMS:
*Borang Senarai Semak-PAGE 1 OF 15
*Borang Senarai Semak-PAGE 2 OF 15
*Borang Permohonan Menjadi Anggota Koperasi-PAGE 3 OF 15
*Borang Permohonan Pembiayaan Peribadi UKHWAH-i-PAGE 4&5 OF 15
*Borang Pengesahan Jawatan-PAGE 6 OF 15
*Borang Surat Tawaran Pembiayaan Peribadi-PAGE 7,8,9&10 OF 15 (2 sets)
*Borang Perjanjian Pembelian Aset-PAGE 11 OF 15
*Borang Perjanjian Penjualan Aset-PAGE 12 OF 15
*Borang Notice / Consent By The Member -PAGE 13 OF 15
*Borang Kebenaran Potongan-PAGE 14 OF 15
*Borang Perlantikan Wakil
*Borang BPA (2 pcs)
Others:
* 1 original latest Salary Slip.
>3 copies of Salary Slip of the past 3 months [original certified by the employer].
*3 copies of NRIC [original certified by the employer].
*Respective head of division/department’s confirmation and verification letter on employment status
*A copy of bank passbook or statement [preferably Maybank].
*Certified Settlement Statement [required for overlapping].
*Copy of Retirement Option Letter, if applicant choose to retire at the age of 56/58 [original Certified by Employer].
*Copy of Employment Offer Letter in case of service less than 1 year [original Certified by Employer].

== Allowances ==
=== Accepted List ===
* To be inform later
=== Rejected List ===
* To be inform later

== Target Market ==
*AGENSI ANTI DADAH KEBANGSAAN
*AGENSI NUKLEAR MALAYSIA
*AKEDEMI SENI BUDAYA & WARISAN KEBANGSAAN
*ARKIB NEGARA MALAYSIA
*BADAN PENCEGAH RASUAH
*BALAI SENI LUKIS NEGARA
*BIRO PENGADUAN AWAM
*BROOKE DOCKYARD & ENGINEERING WORKS CORPORATION SARAWAK – 50% Maximum Deduction
*DEWAN BAHASA & PUSTAKA [DBP]
*DEWAN BANDARAYA KUALA LUMPUR [DBKL]
*FEDERAL AGRICULTURE AND MARKETING AUTHORITY [FAMA]
*GIATMARA
*HOSPITAL AWAM
*INSTITUT PENYELIDIKAN HIDRAULIK KEBANGSAAN MALAYSIA
*INSTITUT JANTUNG NEGARA [IJN] – 50% Maximum Deduction.
*INSTITUT KEMAHIRAN MARA [IKM]
*ISTANA BUDAYA KUALA LUMPUR
*JABATAN AKAUNTAN NEGARA
*JABATAN AKAUNTAN NEGERI
*JABATAN ALAM SEKITAR
*JABATAN AUDIT NEGARA
*JABATAN BEKALAN AIR NEGERI PAHANG
*JABATAN BOMBA DAN PENYELAMAT
*JABATAN BURUH
*JABATAN HAL EHWAL ORANG ASLI
*JABATAN IMIGRESEN NEGARA
*JABATAN KASTAM DIRAJA MALAYSIA
*JABATAN PARIT DAN GALIAN
*JABATAN PEGUAM NEGARA
*JABATAN PENDAFTARAN NEGARA
*JABATAN PENGAIRAN DAN SALIRAN NEGERI
*JABATAN PENGANGKUTAN JALAN
*JABATAN PENILAIAN DAN PERKHIDMATAN NEGERI
*JABATAN PENJARA
*JABATAN PENYIARAN MALAYSIA
*JABATAN PERANCANGAN BANDAR DAN DESA
*JABATAN PERANGKAAN NEGARA
*JABATAN PERDANA MENTERI
*JABATAN PERHUTANAN
*JABATAN PERHUTANAN NEGERI
*JABATAN PERIKANAN
*JABATAN PERIKANAN NEGERI
*JABATAN PERKHIDMATAN AWAM
*JABATAN PERKHIDMATAN HAIWAN & VETERINAR
*JABATAN PERKHIDMATAN KAJI CUACA
*JABATAN PERTANIAN
*JABATAN PERTANIAN NEGERI
*JABATAN TENAGA RAKYAT
*JABATAN UKUR DAN PEMETAAN
*KEMENTERIAN BELIA DAN SUKAN
*KEMENTERIAN HAL EHWAL DALAM NEGERI
*KEMENTERIAN KERJA RAYA
*KEMENTERIAN KESELAMATAN DALAM NEGERI
*KEMENTERIAN KESIHATAN
*KEMENTERIAN KEWANGAN
*KEMENTERIAN LUAR NEGERI
*KEMENTERIAN PELAJARAN
*KEMENTERIAN PENERANGAN
*KEMENTERIAN PENGAJIAN TINGGI
*KEMENTERIAN PENGANGKUTAN
*KEMENTERIAN PERDAGANGAN ANTARABANGSA DAN INDUSTRI
*KEMENTERIAN PERDAGANGAN DALAM NEGERI DAN EHWAL PENGGUNA
*KEMENTERIAN PERTANIAN DAN ASAS TANI
*KEMENTERIAN PERUMAHAN DAN KERAJAAN TEMPATAN
*KEMENTERIAN PERUSAHAAN PERLADANGAN DAN KOMODITI
*KEMENTERIAN SUMBER ASLI DAN ALAM SEKITAR
*KEMENTERIAN SUMBER MANUSIA
*KEMENTERIAN TENAGA AIR DAN KOMUNIKASI
*KEMENTERIAN WILAYAH PERSEKUTUAN
*KLINIK KLINIK AWAM
*KOLEJ KEMAHIRAN TINGGI MARA
*KRAFTANGAN MALAYSIA
*KUMPULAN WANG PERSARAAN
*KUMPULAN WANG SIMPANAN PEKERJA
*LANGKAWI DEVELOPMENT AUTHORITY [LADA]
*LEMBAGA AKREDITASI NEGARA [LAN] – 50% Maximum Deduction.
*LEMBAGA GETAH MALAYSIA
*LEMBAGA HASIL DALAM NEGERI
*LEMBAGA INDUSTRI PERKAYUAN MALAYSIA
*LEMBAGA KEMAJUAN IKAN MALAYSIA [LKIM]
*LEMBAGA KEMAJUAN PERTANIAN KEMUBU
*LEMBAGA LEBUHRAYA MALAYSIA
*LEMBAGA MINYAK SAWIT MALAYSIA [MPOB] – 50% Maximum Deduction
*LEMBAGA PEMASARAN LADA
*LEMBAGA PEMBANGUNAN INDUSTRI PEMBINAAN MALAYSIA [CIDB]
*LEMBAGA PERTUBUHAN LADANG
*LEMBAGA PERTUBUHAN PELADANG
*LEMBAGA PROMOSI KESIHATAN MALAYSIA
*LEMBAGA TABUNG HAJI
*LEMBAGA URUSAN TABUNG HAJI – 50% Maximum Deduction.
*MAHKAMAH SYARIAH WILAYAH PERSEKUTUAN KUALA LUMPUR
*MAJLIS AGAMA ISLAM NEGERI
*MAJLIS AMANAH RAKYAT
*MAJLIS PEPERIKSAAN MALAYSIA
*MAJLIS TINDAKAN EKONOMI NEGARA [MTEN]
*MAKTAB KERJASAMA MALAYSIA
*MAKTAB RENDAH SAINS MARA
*MALAYSIA AIRPORT HOLDING BERHAD [MAHB] – 50% Maximum Deduction.
*MALAYSIA INSTITUTE OF ROAD SAFETY RESEARCH [MIROS]
*MAMPU
*MARDI
*NATIONAL INSTITUTE OF SAFETY & HEALTH [NIOSH]
*PEJABAT HAL EHWAL ANAK NEGERI SABAH
*PEJABAT SETIAUSAHA KERAJAAN NEGERI(SUK)
*PEJABAT TANAH DAN DAERAH NEGERI
*PENANG PORT – 50% Maximum Deduction
*PENGURUSAN ASET AIR BERHAD – 50% Maximum Deduction
*PERBADANAN ADAT MELAYU & WARISAN SELANGOR
*PERBADANAN TABUNG PENDIDIKAN TINGGI NEGARA [PTPTN]
*PERBADANAN TAMAN NEGARA JOHOR
*PERKESO
*POLIS DIRAJA MALAYSIA [PDRM] – 60% Maximum Deduction except for Kuala Lumpur & Selangor [50%]
*PUSAT BELIA ANTARABANGSA KUALA LUMPUR
*PUSAT DARAH NEGARA
*PUSAT PENGURUSAN AIR KELANTAN – 40% Maximum Deduction
*SABAH TOURISM BOARD
*SEKOLAH BANTUAN PENUH KERAJAAN
*SIRIM BERHAD – 50% Maximum Deduction.
*SME CORP MALAYSIA
*SURUHANJAYA KOMUNIKASI DAN MULTIMEDIA
*SURUHANJAYA PERKHIDMATAN AWAM
*SURUHANJAYA SYARIKAT MALAYSIA
*SYARIKAT BEKALAN AIR JOHOR – 40% Maximum Deduction.
*SYARIKAT BEKALAN AIR NEGERI SEMBILAN – 40% Maximum Deduction.
*SYARIKAT BEKALAN AIR SELANGOR [SYABAS] – 40% Maximum Deduction.
*SYARIKAT PERUMAHAN NEGARA BERHAD – 50% Maximum Deduction
*TELEKOM MALAYSIA [TM] – 50% Maximum Deduction.
*TOURISM MALAYSIA
*UNIT PENYELARAS PELAKSANAAN [ICU]
*UNIVERSITI ISLAM ANTARABANGSA MALAYSIA [UIAM]
*UNIVERSITI KEBANGSAAN MALAYSIA [UKM]
*UNIVERSITI MALAYA [UM]
*UNIVERSITI MALAYSIA SABAH
*UNIVERSITI MALAYSIA SARAWAK
*UNIVERSITI MALAYSIA TERENGGANU
*UNIVERSITI PERTANIAN MALAYSIA [UPM]
*UNIVERSITI SAINS MALAYSIA [USM]
*UNIVERSITI TEKNOLOGI MALAYSIA [UTM]
*UNIVERSITI TEKNOLOGI MARA [UITM]
*UNIVERSITI TENAGA NASIONAL [UNITEN]
*UNIVERSITI UTARA MALAYSIA [UUM]
*YAYASAN DAKWAH ISLAMIAH MALAYSIA [YADIM]

== Non Target Market ==
* To be inform later

== Calculation Sheet ==
[[Media:UKHWAH-CEF.xls]]

Al Rajhi - Mass Market

2012-06-15T07:04:39Z

Admin: /* Employment Status C - Generic (PF-FI) */

== Product Criteria ==
* Interest Rate :

== Target Market ==
* Applicants without potongan biro are allowed to apply under this package.
* Self-employed / Own business
* Direct Sales
* Commission Earners
* Insurance Agents

== Al Rajhi Approved Employer ==

=== AEL (Approved Employment Listing) ===
* Needs only 1 month payslip
* Payslip condition must be carbonite / logo(payslip photocopy)
* Bank statement(must have pengesahan from bank officer)
* Payslip without logo - perlu disahkan oleh HR(copy perlu ada 1)nama pic 2)Jawatan 3)nama company/alamat)

=== EEL (E Employment Listing)===
* Do not need to have pengesahan jawatan.
* Foreigner can apply - gaji must be RM15k and above.

===Sdn Bhd Company===
* Needs 3 month payslip
* Needs 3 months bank statement (to show salary)
* Certain company must have verification letter (with letter head) addressed to Al Rajhi Bank

== Employment Status A - Generic (Employee) ==
* Normal Rate: 7.25%
* High Income Rate: 6.50% (Income more than RM10,000)
* Financing Amount: RM2,000 - RM150,000 (Max)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-5 years
* Age:
** Min: 21 years old based on year of Birth
** Max: 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

* '''DOCUMENTATION''':
*# Latest 3 month payslip - must be endorsed by company
*# 2 copies of NRIC (both side) - must be endorsed by company
*# Utility Bill (If the current address doesn't tally with the address in the NRIC) - must be endorsed by company
*# Reference letter from HR (if applicable)
*# Bank statement showing latest 3 months income credited into bank account (must be endorsed by bank's officer including the bank's name and bank's official stamped.)
*# Supporting Document (if applicable):
*## Rental Proceeds (Property):
*### Stamped tenancy agreement valid for at least 6 months.
*### Latest personal bank statements showing latest 3 consecutive
*'''IMPORTANT''': Endorsement by company must be done by HR/Finance/Admin/Branch/Dept/Div head with company's stamp with address, name, signature and designation

== Employment Status B - Generic (Self Employed) ==
* Rate: 7.25%
* Financing Amount: RM2,000 - RM100,000 (Max)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-5 years
* Age:
** Min: 21 years old based on year of birth
** Max: 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# 2 copies of NRIC (both side)
# Business registration
# 6 months business bank statement (must endorse by bank's officer including the bank's name and bank's official stamped.)
# Form B (Personal Income Tax Declaration)
# Receipt of Tax Payment as proof
# Utility Bill (if the current address doesn't tally with the address in the NRIC)
# Supporting Document (if applicable):
#* Rental Proceeds (Property):
#** Stamped tenancy agreement valid for at least 6 months.
#** Latest personal bank statements showing latest 3 consecutive

== Employment Status C - Generic (PF-FI) ==
* Rate: 6.99%
* Profit Return: 3.00% (Indicative)
* Financing Amount: RM5,000 - RM150,000 (Max)
* Financing Limit: Up to Max MOF 95%
* Financing Tenure: 1-7 years
* Security: Fixed investment (FI) / Current Account & Saving Account - CASA (Deposit)
* Age:
** Min: 21 years old based on Year of Birth
** Max: 65 years old (based on year of birth;age at the end of financing should not more than 60 years old) (PF secured FI<65 years old)
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Processing Fee: NIL
** Stamp Duty on:
**# Master Commodity Sale Agreement - Ad Valorem (0.5% of the total financing amount)
**# Letter of Offer - RM 10.00
**# Letter of Set Off - RM 20.00
**# Memorandum of Deposit - RM 30.00
**# Power of Attorney - RM 30.00
**# Folio (6 pages X RM2.00) - RM 12.00
**# Court Registration - RM 10.00
**# Attestation - RM 20.00
**# Revocation of PA - RM 36.00
** Actual cost incurred (payable to commodity supplier):
**# BURSA Transaction Fee
**# Transfer of Ownership Fee (for Steamcoal)
** Optional
**# Takaful (depends on the amount financing, tenure and age)
**# Standard Will Writing -RM 350.00
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia Citizens / PR Holders

* '''DOCUMENTATION''':
*# 2 copies of NRIC (both side)

== Employment Status D - Generic (Target Segment) ==
* Rate:
** 2-5 years (7.25%)
** 6-7 years up to (11.99%)
* Financing Amount: RM2,000 - RM150,000(MAX)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-7 years
* Age:
** Min 21 years old based on year of birth
** Max 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
*# Latest 1 month payslip - must be endorsed by company
*# 1 copies of NRIC (both side) - must be endorsed by company
*# Utility Bill (if the current address doesn't tally with the address in the NRIC) - must be endorsed by company
*# Reference letter from HR (if applicable)
*# Bank statement showing latest 3 months income credited into bank account (must be endorsed by bank's officer including the bank's name and bank's official stamped.)
*# Supporting Document (if applicable):
*## Rental Proceeds (Property):
*### Stamped tenancy agreement valid for at least 6 months.
*### Latest personal bank statements showing latest 3 consecutive
* '''IMPORTANT''': Endorsement by company must be done by HR/Finance/Admin/Branch/Dept/Div Head with company's stamp with address, name signature and designation

== Employment Status E - Generic (Balance Transfer) ==
* Rate: 7.25%
* High Income Rate: 6.50% (income more than RM10,000)
* Financing Amount: RM2,000 - RM150,000 (Max)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-5 years
* Age:
** Min: 21 years old based on year of birth
** Max: 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

* '''DOCUMENTATION''':
*# Latest Credit Card Statement - must be endorsed by company
*# 2 copies of NRIC (both side) - must be endorsed by company
*# Utility Bill (if the current address doesn't tally with the address in the NRIC) - must be endorsed by company
*# Bank statement showing latest 3 months income credited into bank account (must endorse by bank's officer including the bank's name and bank's official stamped.)
*# Supporting Document (if applicable):
*## Rental Proceeds (Property):
*### Stamped tenancy agreement valid for at least 6 months.
*### Latest personal bank statements showing latest 3 consecutive
* '''IMPORTANT''': Endorsement by company must be done by HR/Finance/Admin/Branch/Dept/Div Head with company's stamp with address,name,signature and designation

== Employment Status F - CCSP-SD (Joint Value) ==
* Rate :
** 2-3 years: 3.25%
** 4-5 years: 4.25%
** 6-10 years: 4.75%
** 11-15 years: 4.95%
* Financing Amount: RM2,000 - RM150,000 (Max)
* Financing Limit: 26 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-15 years
* Age:
** Min: 21 years old based on year of birth
** Max: 55 years old or up to retirement age
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Direct salary deduction from company's HR
* Nationality: Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
*# Application Form - Employee to complete application form & submit to ARBM Sales Representatives
*# 2 copies of NRIC - (both side) with original sighted by ABRM representative
*# Salary Slip - most recent salary slip duly endorsed by Company's Human Resources (HR)
*# Employment Confirmation - Confirmation from HR on employee's salary & employment status via HR confirmation letter
*# Letter of Authorization - Authorization from Employee to ARBM & Company's HR to allow Employer to deduct Employee's monthly salary for installment payment
*# Additional Documents:
*#* Irrevocable instructions
*#* Letter of Acknowledgement & consent
*#* Staff Confirmation

Al Rajhi - Mass Market

2012-06-15T07:04:00Z

Admin: /* Employment Status C - Generic (PF-FI) */

== Product Criteria ==
* Interest Rate :

== Target Market ==
* Applicants without potongan biro are allowed to apply under this package.
* Self-employed / Own business
* Direct Sales
* Commission Earners
* Insurance Agents

== Al Rajhi Approved Employer ==

=== AEL (Approved Employment Listing) ===
* Needs only 1 month payslip
* Payslip condition must be carbonite / logo(payslip photocopy)
* Bank statement(must have pengesahan from bank officer)
* Payslip without logo - perlu disahkan oleh HR(copy perlu ada 1)nama pic 2)Jawatan 3)nama company/alamat)

=== EEL (E Employment Listing)===
* Do not need to have pengesahan jawatan.
* Foreigner can apply - gaji must be RM15k and above.

===Sdn Bhd Company===
* Needs 3 month payslip
* Needs 3 months bank statement (to show salary)
* Certain company must have verification letter (with letter head) addressed to Al Rajhi Bank

== Employment Status A - Generic (Employee) ==
* Normal Rate: 7.25%
* High Income Rate: 6.50% (Income more than RM10,000)
* Financing Amount: RM2,000 - RM150,000 (Max)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-5 years
* Age:
** Min: 21 years old based on year of Birth
** Max: 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

* '''DOCUMENTATION''':
*# Latest 3 month payslip - must be endorsed by company
*# 2 copies of NRIC (both side) - must be endorsed by company
*# Utility Bill (If the current address doesn't tally with the address in the NRIC) - must be endorsed by company
*# Reference letter from HR (if applicable)
*# Bank statement showing latest 3 months income credited into bank account (must be endorsed by bank's officer including the bank's name and bank's official stamped.)
*# Supporting Document (if applicable):
*## Rental Proceeds (Property):
*### Stamped tenancy agreement valid for at least 6 months.
*### Latest personal bank statements showing latest 3 consecutive
*'''IMPORTANT''': Endorsement by company must be done by HR/Finance/Admin/Branch/Dept/Div head with company's stamp with address, name, signature and designation

== Employment Status B - Generic (Self Employed) ==
* Rate: 7.25%
* Financing Amount: RM2,000 - RM100,000 (Max)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-5 years
* Age:
** Min: 21 years old based on year of birth
** Max: 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# 2 copies of NRIC (both side)
# Business registration
# 6 months business bank statement (must endorse by bank's officer including the bank's name and bank's official stamped.)
# Form B (Personal Income Tax Declaration)
# Receipt of Tax Payment as proof
# Utility Bill (if the current address doesn't tally with the address in the NRIC)
# Supporting Document (if applicable):
#* Rental Proceeds (Property):
#** Stamped tenancy agreement valid for at least 6 months.
#** Latest personal bank statements showing latest 3 consecutive

== Employment Status C - Generic (PF-FI) ==
* Rate: 6.99%
* Profit Return: 3.00% (Indicative)
* Financing Amount: RM5,000 - RM150,000 (Max)
* Financing Limit: Up to Max MOF 95%
* Financing Tenure: 1-7 years
* Security: Fixed investment(FI) / CASA(Deposit)
* Age:
** Min: 21 years old based on Year of Birth
** Max: 65 years old (based on year of birth;age at the end of financing should not more than 60 years old) (PF secured FI<65 years old)
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Processing Fee: NIL
** Stamp Duty on:
**# Master Commodity Sale Agreement - Ad Valorem (0.5% of the total financing amount)
**# Letter of Offer - RM 10.00
**# Letter of Set Off - RM 20.00
**# Memorandum of Deposit - RM 30.00
**# Power of Attorney - RM 30.00
**# Folio (6 pages X RM2.00) - RM 12.00
**# Court Registration - RM 10.00
**# Attestation - RM 20.00
**# Revocation of PA - RM 36.00
** Actual cost incurred (payable to commodity supplier):
**# BURSA Transaction Fee
**# Transfer of Ownership Fee (for Steamcoal)
** Optional
**# Takaful (depends on the amount financing, tenure and age)
**# Standard Will Writing -RM 350.00
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia Citizens / PR Holders

* '''DOCUMENTATION''':
*# 2 copies of NRIC (both side)

== Employment Status D - Generic (Target Segment) ==
* Rate:
** 2-5 years (7.25%)
** 6-7 years up to (11.99%)
* Financing Amount: RM2,000 - RM150,000(MAX)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-7 years
* Age:
** Min 21 years old based on year of birth
** Max 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
*# Latest 1 month payslip - must be endorsed by company
*# 1 copies of NRIC (both side) - must be endorsed by company
*# Utility Bill (if the current address doesn't tally with the address in the NRIC) - must be endorsed by company
*# Reference letter from HR (if applicable)
*# Bank statement showing latest 3 months income credited into bank account (must be endorsed by bank's officer including the bank's name and bank's official stamped.)
*# Supporting Document (if applicable):
*## Rental Proceeds (Property):
*### Stamped tenancy agreement valid for at least 6 months.
*### Latest personal bank statements showing latest 3 consecutive
* '''IMPORTANT''': Endorsement by company must be done by HR/Finance/Admin/Branch/Dept/Div Head with company's stamp with address, name signature and designation

== Employment Status E - Generic (Balance Transfer) ==
* Rate: 7.25%
* High Income Rate: 6.50% (income more than RM10,000)
* Financing Amount: RM2,000 - RM150,000 (Max)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-5 years
* Age:
** Min: 21 years old based on year of birth
** Max: 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

* '''DOCUMENTATION''':
*# Latest Credit Card Statement - must be endorsed by company
*# 2 copies of NRIC (both side) - must be endorsed by company
*# Utility Bill (if the current address doesn't tally with the address in the NRIC) - must be endorsed by company
*# Bank statement showing latest 3 months income credited into bank account (must endorse by bank's officer including the bank's name and bank's official stamped.)
*# Supporting Document (if applicable):
*## Rental Proceeds (Property):
*### Stamped tenancy agreement valid for at least 6 months.
*### Latest personal bank statements showing latest 3 consecutive
* '''IMPORTANT''': Endorsement by company must be done by HR/Finance/Admin/Branch/Dept/Div Head with company's stamp with address,name,signature and designation

== Employment Status F - CCSP-SD (Joint Value) ==
* Rate :
** 2-3 years: 3.25%
** 4-5 years: 4.25%
** 6-10 years: 4.75%
** 11-15 years: 4.95%
* Financing Amount: RM2,000 - RM150,000 (Max)
* Financing Limit: 26 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-15 years
* Age:
** Min: 21 years old based on year of birth
** Max: 55 years old or up to retirement age
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Direct salary deduction from company's HR
* Nationality: Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
*# Application Form - Employee to complete application form & submit to ARBM Sales Representatives
*# 2 copies of NRIC - (both side) with original sighted by ABRM representative
*# Salary Slip - most recent salary slip duly endorsed by Company's Human Resources (HR)
*# Employment Confirmation - Confirmation from HR on employee's salary & employment status via HR confirmation letter
*# Letter of Authorization - Authorization from Employee to ARBM & Company's HR to allow Employer to deduct Employee's monthly salary for installment payment
*# Additional Documents:
*#* Irrevocable instructions
*#* Letter of Acknowledgement & consent
*#* Staff Confirmation

Al Rajhi - Mass Market

2012-06-15T07:03:12Z

Admin: /* Employment Status F - CCSP-SD (Joint Value) */

== Product Criteria ==
* Interest Rate :

== Target Market ==
* Applicants without potongan biro are allowed to apply under this package.
* Self-employed / Own business
* Direct Sales
* Commission Earners
* Insurance Agents

== Al Rajhi Approved Employer ==

=== AEL (Approved Employment Listing) ===
* Needs only 1 month payslip
* Payslip condition must be carbonite / logo(payslip photocopy)
* Bank statement(must have pengesahan from bank officer)
* Payslip without logo - perlu disahkan oleh HR(copy perlu ada 1)nama pic 2)Jawatan 3)nama company/alamat)

=== EEL (E Employment Listing)===
* Do not need to have pengesahan jawatan.
* Foreigner can apply - gaji must be RM15k and above.

===Sdn Bhd Company===
* Needs 3 month payslip
* Needs 3 months bank statement (to show salary)
* Certain company must have verification letter (with letter head) addressed to Al Rajhi Bank

== Employment Status A - Generic (Employee) ==
* Normal Rate: 7.25%
* High Income Rate: 6.50% (Income more than RM10,000)
* Financing Amount: RM2,000 - RM150,000 (Max)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-5 years
* Age:
** Min: 21 years old based on year of Birth
** Max: 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

* '''DOCUMENTATION''':
*# Latest 3 month payslip - must be endorsed by company
*# 2 copies of NRIC (both side) - must be endorsed by company
*# Utility Bill (If the current address doesn't tally with the address in the NRIC) - must be endorsed by company
*# Reference letter from HR (if applicable)
*# Bank statement showing latest 3 months income credited into bank account (must be endorsed by bank's officer including the bank's name and bank's official stamped.)
*# Supporting Document (if applicable):
*## Rental Proceeds (Property):
*### Stamped tenancy agreement valid for at least 6 months.
*### Latest personal bank statements showing latest 3 consecutive
*'''IMPORTANT''': Endorsement by company must be done by HR/Finance/Admin/Branch/Dept/Div head with company's stamp with address, name, signature and designation

== Employment Status B - Generic (Self Employed) ==
* Rate: 7.25%
* Financing Amount: RM2,000 - RM100,000 (Max)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-5 years
* Age:
** Min: 21 years old based on year of birth
** Max: 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# 2 copies of NRIC (both side)
# Business registration
# 6 months business bank statement (must endorse by bank's officer including the bank's name and bank's official stamped.)
# Form B (Personal Income Tax Declaration)
# Receipt of Tax Payment as proof
# Utility Bill (if the current address doesn't tally with the address in the NRIC)
# Supporting Document (if applicable):
#* Rental Proceeds (Property):
#** Stamped tenancy agreement valid for at least 6 months.
#** Latest personal bank statements showing latest 3 consecutive

== Employment Status C - Generic (PF-FI) ==
* Rate: 6.99%
* Profit Return: 3.00% (INDICATIVE)
* Financing Amount: RM5,000 - RM150,000(MAX)
* Financing Limit: Up to Max MOF 95%
* Financing Tenure: 1-7 years
* Security: Fixed investment(FI) / CASA(Deposit)
* Age:
** Min: 21 years old based on Year of Birth
** Max: 65 years old (based on year of birth;age at the end of financing should not more than 60 years old) (PF secured FI<65 years old)
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Processing Fee: NIL
** Stamp Duty on:
**# Master Commodity Sale Agreement - Ad Valorem (0.5% of the total financing amount)
**# Letter of Offer - RM 10.00
**# Letter of Set Off - RM 20.00
**# Memorandum of Deposit - RM 30.00
**# Power of Attorney - RM 30.00
**# Folio (6 pages X RM2.00) - RM 12.00
**# Court Registration - RM 10.00
**# Attestation - RM 20.00
**# Revocation of PA - RM 36.00
** Actual cost incurred (payable to commodity supplier):
**# BURSA Transaction Fee
**# Transfer of Ownership Fee (for Steamcoal)
** Optional
**# Takaful (depends on the amount financing, tenure and age)
**# Standard Will Writing -RM 350.00
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia Citizens / PR Holders

* '''DOCUMENTATION''':
*# 2 copies of NRIC (both side)

== Employment Status D - Generic (Target Segment) ==
* Rate:
** 2-5 years (7.25%)
** 6-7 years up to (11.99%)
* Financing Amount: RM2,000 - RM150,000(MAX)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-7 years
* Age:
** Min 21 years old based on year of birth
** Max 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
*# Latest 1 month payslip - must be endorsed by company
*# 1 copies of NRIC (both side) - must be endorsed by company
*# Utility Bill (if the current address doesn't tally with the address in the NRIC) - must be endorsed by company
*# Reference letter from HR (if applicable)
*# Bank statement showing latest 3 months income credited into bank account (must be endorsed by bank's officer including the bank's name and bank's official stamped.)
*# Supporting Document (if applicable):
*## Rental Proceeds (Property):
*### Stamped tenancy agreement valid for at least 6 months.
*### Latest personal bank statements showing latest 3 consecutive
* '''IMPORTANT''': Endorsement by company must be done by HR/Finance/Admin/Branch/Dept/Div Head with company's stamp with address, name signature and designation

== Employment Status E - Generic (Balance Transfer) ==
* Rate: 7.25%
* High Income Rate: 6.50% (income more than RM10,000)
* Financing Amount: RM2,000 - RM150,000 (Max)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-5 years
* Age:
** Min: 21 years old based on year of birth
** Max: 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

* '''DOCUMENTATION''':
*# Latest Credit Card Statement - must be endorsed by company
*# 2 copies of NRIC (both side) - must be endorsed by company
*# Utility Bill (if the current address doesn't tally with the address in the NRIC) - must be endorsed by company
*# Bank statement showing latest 3 months income credited into bank account (must endorse by bank's officer including the bank's name and bank's official stamped.)
*# Supporting Document (if applicable):
*## Rental Proceeds (Property):
*### Stamped tenancy agreement valid for at least 6 months.
*### Latest personal bank statements showing latest 3 consecutive
* '''IMPORTANT''': Endorsement by company must be done by HR/Finance/Admin/Branch/Dept/Div Head with company's stamp with address,name,signature and designation

== Employment Status F - CCSP-SD (Joint Value) ==
* Rate :
** 2-3 years: 3.25%
** 4-5 years: 4.25%
** 6-10 years: 4.75%
** 11-15 years: 4.95%
* Financing Amount: RM2,000 - RM150,000 (Max)
* Financing Limit: 26 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-15 years
* Age:
** Min: 21 years old based on year of birth
** Max: 55 years old or up to retirement age
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Direct salary deduction from company's HR
* Nationality: Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
*# Application Form - Employee to complete application form & submit to ARBM Sales Representatives
*# 2 copies of NRIC - (both side) with original sighted by ABRM representative
*# Salary Slip - most recent salary slip duly endorsed by Company's Human Resources (HR)
*# Employment Confirmation - Confirmation from HR on employee's salary & employment status via HR confirmation letter
*# Letter of Authorization - Authorization from Employee to ARBM & Company's HR to allow Employer to deduct Employee's monthly salary for installment payment
*# Additional Documents:
*#* Irrevocable instructions
*#* Letter of Acknowledgement & consent
*#* Staff Confirmation

Al Rajhi - Mass Market

2012-06-14T07:20:40Z

Admin: /* Employment Status F - CCSP-SD (Joint Value) */

== Product Criteria ==
* Interest Rate :

== Target Market ==
* Applicants without potongan biro are allowed to apply under this package.
* Self-employed / Own business
* Direct Sales
* Commission Earners
* Insurance Agents

== Al Rajhi Approved Employer ==

=== AEL (Approved Employment Listing) ===
* Needs only 1 month payslip
* Payslip condition must be carbonite / logo(payslip photocopy)
* Bank statement(must have pengesahan from bank officer)
* Payslip without logo - perlu disahkan oleh HR(copy perlu ada 1)nama pic 2)Jawatan 3)nama company/alamat)

=== EEL (E Employment Listing)===
* Do not need to have pengesahan jawatan.
* Foreigner can apply - gaji must be RM15k and above.

===Sdn Bhd Company===
* Needs 3 month payslip
* Needs 3 months bank statement (to show salary)
* Certain company must have verification letter (with letter head) addressed to Al Rajhi Bank

== Employment Status A - Generic (Employee) ==
* Normal Rate: 7.25%
* High Income Rate: 6.50% (Income more than RM10,000)
* Financing Amount: RM2,000 - RM15,000 (Max)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-5 years
* Age:
** Min: 21 years old based on year of Birth
** Max: 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

* '''DOCUMENTATION''':
*# Latest 3 month payslip - must be endorsed by company
*# 2 copies of NRIC (both side) - must be endorsed by company
*# Utility Bill (If the current address doesn't tally with the address in the NRIC) - must be endorsed by company
*# Reference letter from HR (if applicable)
*# Bank statement showing latest 3 months income credited into bank account (must be endorsed by bank's officer including the bank's name and bank's official stamped.)
*# Supporting Document (if applicable):
*## Rental Proceeds (Property):
*### Stamped tenancy agreement valid for at least 6 months.
*### Latest personal bank statements showing latest 3 consecutive
*'''IMPORTANT''': Endorsement by company must be done by HR/Finance/Admin/Branch/Dept/Div head with company's stamp with address, name, signature and designation

== Employment Status B - Generic (Self Employed) ==
* Rate: 7.25%
* Financing Amount: RM2,000 - RM10,000 (Max)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-5 years
* Age:
** Min: 21 years old based on year of birth
** Max: 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# 2 copies of NRIC (both side)
# Business registration
# 6 months business bank statement (must endorse by bank's officer including the bank's name and bank's official stamped.)
# Form B (Personal Income Tax Declaration)
# Receipt of Tax Payment as proof
# Utility Bill (if the current address doesn't tally with the address in the NRIC)
# Supporting Document (if applicable):
#* Rental Proceeds (Property):
#** Stamped tenancy agreement valid for at least 6 months.
#** Latest personal bank statements showing latest 3 consecutive

== Employment Status C - Generic (PF-FI) ==
* Rate: 6.99%
* Profit Return: 3.00% (INDICATIVE)
* Financing Amount: RM5,000 - RM15,000(MAX)
* Financing Limit: Up to Max MOF 95%
* Financing Tenure: 1-7 years
* Security: Fixed investment(FI) / CASA(Deposit)
* Age:
** Min: 21 years old based on Year of Birth
** Max: 65 years old (based on year of birth;age at the end of financing should not more than 60 years old) (PF secured FI<65 years old)
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Processing Fee: NIL
** Stamp Duty on:
**# Master Commodity Sale Agreement - Ad Valorem (0.5% of the total financing amount)
**# Letter of Offer - RM 10.00
**# Letter of Set Off - RM 20.00
**# Memorandum of Deposit - RM 30.00
**# Power of Attorney - RM 30.00
**# Folio (6 pages X RM2.00) - RM 12.00
**# Court Registration - RM 10.00
**# Attestation - RM 20.00
**# Revocation of PA - RM 36.00
** Actual cost incurred (payable to commodity supplier):
**# BURSA Transaction Fee
**# Transfer of Ownership Fee (for Steamcoal)
** Optional
**# Takaful (depends on the amount financing, tenure and age)
**# Standard Will Writing -RM 350.00
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia Citizens / PR Holders

* '''DOCUMENTATION''':
*# 2 copies of NRIC (both side)

== Employment Status D - Generic (Target Segment) ==
* Rate:
** 2-5 years (7.25%)
** 6-7 years up to (11.99%)
* Financing Amount: RM2,000 - RM15,000(MAX)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-7 years
* Age:
** Min 21 years old based on year of birth
** Max 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
*# Latest 1 month payslip - must be endorsed by company
*# 1 copies of NRIC (both side) - must be endorsed by company
*# Utility Bill (if the current address doesn't tally with the address in the NRIC) - must be endorsed by company
*# Reference letter from HR (if applicable)
*# Bank statement showing latest 3 months income credited into bank account (must be endorsed by bank's officer including the bank's name and bank's official stamped.)
*# Supporting Document (if applicable):
*## Rental Proceeds (Property):
*### Stamped tenancy agreement valid for at least 6 months.
*### Latest personal bank statements showing latest 3 consecutive
* '''IMPORTANT''': Endorsement by company must be done by HR/Finance/Admin/Branch/Dept/Div Head with company's stamp with address, name signature and designation

== Employment Status E - Generic (Balance Transfer) ==
* Rate: 7.25%
* High Income Rate: 6.50% (income more than RM10,000)
* Financing Amount: RM2,000 - RM15,000 (Max)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-5 years
* Age:
** Min: 21 years old based on year of birth
** Max: 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

* '''DOCUMENTATION''':
*# Latest Credit Card Statement - must be endorsed by company
*# 2 copies of NRIC (both side) - must be endorsed by company
*# Utility Bill (if the current address doesn't tally with the address in the NRIC) - must be endorsed by company
*# Bank statement showing latest 3 months income credited into bank account (must endorse by bank's officer including the bank's name and bank's official stamped.)
*# Supporting Document (if applicable):
*## Rental Proceeds (Property):
*### Stamped tenancy agreement valid for at least 6 months.
*### Latest personal bank statements showing latest 3 consecutive
* '''IMPORTANT''': Endorsement by company must be done by HR/Finance/Admin/Branch/Dept/Div Head with company's stamp with address,name,signature and designation

== Employment Status F - CCSP-SD (Joint Value) ==
* Rate :
** 2-3 years: 3.25%
** 4-5 years: 4.25%
** 6-10 years: 4.75%
** 11-15 years: 4.95%
* Financing Amount: RM2,000 - RM15,000(MAX)
* Financing Limit: 26 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-15 years
* Age:
** Min: 21 years old based on year of birth
** Max: 55 years old or up to retirement age
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Direct salary deduction from company's HR
* Nationality: Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
*# Application Form - Employee to complete application form & submit to ARBM Sales Representatives
*# 2 copies of NRIC - (both side) with original sighted by ABRM representative
*# Salary Slip - most recent salary slip duly endorsed by Company's Human Resources (HR)
*# Employment Confirmation - Confirmation from HR on employee's salary & employment status via HR confirmation letter
*# Letter of Authorization - Authorization from Employee to ARBM & Company's HR to allow Employer to deduct Employee's monthly salary for installment payment
*# Additional Documents:
*#* Irrevocable instructions
*#* Letter of Acknowledgement & consent
*#* Staff Confirmation

Al Rajhi - Mass Market

2012-06-14T07:17:41Z

Admin: /* Employment Status E - GENERIC (BALANCE TRANSFER) */

== Product Criteria ==
* Interest Rate :

== Target Market ==
* Applicants without potongan biro are allowed to apply under this package.
* Self-employed / Own business
* Direct Sales
* Commission Earners
* Insurance Agents

== Al Rajhi Approved Employer ==

=== AEL (Approved Employment Listing) ===
* Needs only 1 month payslip
* Payslip condition must be carbonite / logo(payslip photocopy)
* Bank statement(must have pengesahan from bank officer)
* Payslip without logo - perlu disahkan oleh HR(copy perlu ada 1)nama pic 2)Jawatan 3)nama company/alamat)

=== EEL (E Employment Listing)===
* Do not need to have pengesahan jawatan.
* Foreigner can apply - gaji must be RM15k and above.

===Sdn Bhd Company===
* Needs 3 month payslip
* Needs 3 months bank statement (to show salary)
* Certain company must have verification letter (with letter head) addressed to Al Rajhi Bank

== Employment Status A - Generic (Employee) ==
* Normal Rate: 7.25%
* High Income Rate: 6.50% (Income more than RM10,000)
* Financing Amount: RM2,000 - RM15,000 (Max)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-5 years
* Age:
** Min: 21 years old based on year of Birth
** Max: 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

* '''DOCUMENTATION''':
*# Latest 3 month payslip - must be endorsed by company
*# 2 copies of NRIC (both side) - must be endorsed by company
*# Utility Bill (If the current address doesn't tally with the address in the NRIC) - must be endorsed by company
*# Reference letter from HR (if applicable)
*# Bank statement showing latest 3 months income credited into bank account (must be endorsed by bank's officer including the bank's name and bank's official stamped.)
*# Supporting Document (if applicable):
*## Rental Proceeds (Property):
*### Stamped tenancy agreement valid for at least 6 months.
*### Latest personal bank statements showing latest 3 consecutive
*'''IMPORTANT''': Endorsement by company must be done by HR/Finance/Admin/Branch/Dept/Div head with company's stamp with address, name, signature and designation

== Employment Status B - Generic (Self Employed) ==
* Rate: 7.25%
* Financing Amount: RM2,000 - RM10,000 (Max)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-5 years
* Age:
** Min: 21 years old based on year of birth
** Max: 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# 2 copies of NRIC (both side)
# Business registration
# 6 months business bank statement (must endorse by bank's officer including the bank's name and bank's official stamped.)
# Form B (Personal Income Tax Declaration)
# Receipt of Tax Payment as proof
# Utility Bill (if the current address doesn't tally with the address in the NRIC)
# Supporting Document (if applicable):
#* Rental Proceeds (Property):
#** Stamped tenancy agreement valid for at least 6 months.
#** Latest personal bank statements showing latest 3 consecutive

== Employment Status C - Generic (PF-FI) ==
* Rate: 6.99%
* Profit Return: 3.00% (INDICATIVE)
* Financing Amount: RM5,000 - RM15,000(MAX)
* Financing Limit: Up to Max MOF 95%
* Financing Tenure: 1-7 years
* Security: Fixed investment(FI) / CASA(Deposit)
* Age:
** Min: 21 years old based on Year of Birth
** Max: 65 years old (based on year of birth;age at the end of financing should not more than 60 years old) (PF secured FI<65 years old)
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Processing Fee: NIL
** Stamp Duty on:
**# Master Commodity Sale Agreement - Ad Valorem (0.5% of the total financing amount)
**# Letter of Offer - RM 10.00
**# Letter of Set Off - RM 20.00
**# Memorandum of Deposit - RM 30.00
**# Power of Attorney - RM 30.00
**# Folio (6 pages X RM2.00) - RM 12.00
**# Court Registration - RM 10.00
**# Attestation - RM 20.00
**# Revocation of PA - RM 36.00
** Actual cost incurred (payable to commodity supplier):
**# BURSA Transaction Fee
**# Transfer of Ownership Fee (for Steamcoal)
** Optional
**# Takaful (depends on the amount financing, tenure and age)
**# Standard Will Writing -RM 350.00
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia Citizens / PR Holders

* '''DOCUMENTATION''':
*# 2 copies of NRIC (both side)

== Employment Status D - Generic (Target Segment) ==
* Rate:
** 2-5 years (7.25%)
** 6-7 years up to (11.99%)
* Financing Amount: RM2,000 - RM15,000(MAX)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-7 years
* Age:
** Min 21 years old based on year of birth
** Max 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
*# Latest 1 month payslip - must be endorsed by company
*# 1 copies of NRIC (both side) - must be endorsed by company
*# Utility Bill (if the current address doesn't tally with the address in the NRIC) - must be endorsed by company
*# Reference letter from HR (if applicable)
*# Bank statement showing latest 3 months income credited into bank account (must be endorsed by bank's officer including the bank's name and bank's official stamped.)
*# Supporting Document (if applicable):
*## Rental Proceeds (Property):
*### Stamped tenancy agreement valid for at least 6 months.
*### Latest personal bank statements showing latest 3 consecutive
* '''IMPORTANT''': Endorsement by company must be done by HR/Finance/Admin/Branch/Dept/Div Head with company's stamp with address, name signature and designation

== Employment Status E - Generic (Balance Transfer) ==
* Rate: 7.25%
* High Income Rate: 6.50% (income more than RM10,000)
* Financing Amount: RM2,000 - RM15,000 (Max)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-5 years
* Age:
** Min: 21 years old based on year of birth
** Max: 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

* '''DOCUMENTATION''':
*# Latest Credit Card Statement - must be endorsed by company
*# 2 copies of NRIC (both side) - must be endorsed by company
*# Utility Bill (if the current address doesn't tally with the address in the NRIC) - must be endorsed by company
*# Bank statement showing latest 3 months income credited into bank account (must endorse by bank's officer including the bank's name and bank's official stamped.)
*# Supporting Document (if applicable):
*## Rental Proceeds (Property):
*### Stamped tenancy agreement valid for at least 6 months.
*### Latest personal bank statements showing latest 3 consecutive
* '''IMPORTANT''': Endorsement by company must be done by HR/Finance/Admin/Branch/Dept/Div Head with company's stamp with address,name,signature and designation

== Employment Status F - CCSP-SD (Joint Value) ==
* Rate :
** 2-3 years -3.25%
** 4-5 years -4.25%
** 6-10 years -4.75%
** 11-15years -4.95%
* Financing Amount : RM2,000 - RM15,000(MAX)
* Financing Limit : 26 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-15 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old or up to retirement age
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Direct salary deduction from company's
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# Application Form - Employee to complete application form & submit to ARBM Sales Representatives
# 2 copies of NRIC -(both side) with original sighted by ABRM representative
# Salary Slip - most recent salary slip duly endorsed by Company's Human Resources(HR)
# Employment Confirmation - Confirmation from HR on employee's salary & employment status via HR confirmation letter
# Letter of Authorization - Authorization from Employee to ARBM & Company's HR to allow Employer to deduct Employee's monthly salary for installment payment
# Additional Documents -
** Irrevocable instructions
** Letter of Acknowledgement & consent
** Staff Confirmation

Al Rajhi - Mass Market

2012-06-14T07:12:07Z

Admin: /* Employment Status D - GENERIC (Target Segment) */

== Product Criteria ==
* Interest Rate :

== Target Market ==
* Applicants without potongan biro are allowed to apply under this package.
* Self-employed / Own business
* Direct Sales
* Commission Earners
* Insurance Agents

== Al Rajhi Approved Employer ==

=== AEL (Approved Employment Listing) ===
* Needs only 1 month payslip
* Payslip condition must be carbonite / logo(payslip photocopy)
* Bank statement(must have pengesahan from bank officer)
* Payslip without logo - perlu disahkan oleh HR(copy perlu ada 1)nama pic 2)Jawatan 3)nama company/alamat)

=== EEL (E Employment Listing)===
* Do not need to have pengesahan jawatan.
* Foreigner can apply - gaji must be RM15k and above.

===Sdn Bhd Company===
* Needs 3 month payslip
* Needs 3 months bank statement (to show salary)
* Certain company must have verification letter (with letter head) addressed to Al Rajhi Bank

== Employment Status A - Generic (Employee) ==
* Normal Rate: 7.25%
* High Income Rate: 6.50% (Income more than RM10,000)
* Financing Amount: RM2,000 - RM15,000 (Max)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-5 years
* Age:
** Min: 21 years old based on year of Birth
** Max: 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

* '''DOCUMENTATION''':
*# Latest 3 month payslip - must be endorsed by company
*# 2 copies of NRIC (both side) - must be endorsed by company
*# Utility Bill (If the current address doesn't tally with the address in the NRIC) - must be endorsed by company
*# Reference letter from HR (if applicable)
*# Bank statement showing latest 3 months income credited into bank account (must be endorsed by bank's officer including the bank's name and bank's official stamped.)
*# Supporting Document (if applicable):
*## Rental Proceeds (Property):
*### Stamped tenancy agreement valid for at least 6 months.
*### Latest personal bank statements showing latest 3 consecutive
*'''IMPORTANT''': Endorsement by company must be done by HR/Finance/Admin/Branch/Dept/Div head with company's stamp with address, name, signature and designation

== Employment Status B - Generic (Self Employed) ==
* Rate: 7.25%
* Financing Amount: RM2,000 - RM10,000 (Max)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-5 years
* Age:
** Min: 21 years old based on year of birth
** Max: 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# 2 copies of NRIC (both side)
# Business registration
# 6 months business bank statement (must endorse by bank's officer including the bank's name and bank's official stamped.)
# Form B (Personal Income Tax Declaration)
# Receipt of Tax Payment as proof
# Utility Bill (if the current address doesn't tally with the address in the NRIC)
# Supporting Document (if applicable):
#* Rental Proceeds (Property):
#** Stamped tenancy agreement valid for at least 6 months.
#** Latest personal bank statements showing latest 3 consecutive

== Employment Status C - Generic (PF-FI) ==
* Rate: 6.99%
* Profit Return: 3.00% (INDICATIVE)
* Financing Amount: RM5,000 - RM15,000(MAX)
* Financing Limit: Up to Max MOF 95%
* Financing Tenure: 1-7 years
* Security: Fixed investment(FI) / CASA(Deposit)
* Age:
** Min: 21 years old based on Year of Birth
** Max: 65 years old (based on year of birth;age at the end of financing should not more than 60 years old) (PF secured FI<65 years old)
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Processing Fee: NIL
** Stamp Duty on:
**# Master Commodity Sale Agreement - Ad Valorem (0.5% of the total financing amount)
**# Letter of Offer - RM 10.00
**# Letter of Set Off - RM 20.00
**# Memorandum of Deposit - RM 30.00
**# Power of Attorney - RM 30.00
**# Folio (6 pages X RM2.00) - RM 12.00
**# Court Registration - RM 10.00
**# Attestation - RM 20.00
**# Revocation of PA - RM 36.00
** Actual cost incurred (payable to commodity supplier):
**# BURSA Transaction Fee
**# Transfer of Ownership Fee (for Steamcoal)
** Optional
**# Takaful (depends on the amount financing, tenure and age)
**# Standard Will Writing -RM 350.00
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia Citizens / PR Holders

* '''DOCUMENTATION''':
*# 2 copies of NRIC (both side)

== Employment Status D - Generic (Target Segment) ==
* Rate:
** 2-5 years (7.25%)
** 6-7 years up to (11.99%)
* Financing Amount: RM2,000 - RM15,000(MAX)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-7 years
* Age:
** Min 21 years old based on year of birth
** Max 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
*# Latest 1 month payslip - must be endorsed by company
*# 1 copies of NRIC (both side) - must be endorsed by company
*# Utility Bill (if the current address doesn't tally with the address in the NRIC) - must be endorsed by company
*# Reference letter from HR (if applicable)
*# Bank statement showing latest 3 months income credited into bank account (must be endorsed by bank's officer including the bank's name and bank's official stamped.)
*# Supporting Document (if applicable):
*## Rental Proceeds (Property):
*### Stamped tenancy agreement valid for at least 6 months.
*### Latest personal bank statements showing latest 3 consecutive
* '''IMPORTANT''': Endorsement by company must be done by HR/Finance/Admin/Branch/Dept/Div Head with company's stamp with address, name signature and designation

== Employment Status E - GENERIC (BALANCE TRANSFER) ==
* Rate : 7.25% (Income more than 10K-rate:6.5%)
* Financing Amount : RM2,000 - RM15,000(MAX)
* Financing Limit : 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-5 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Auto Debit or pay over the counter
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# Latest Credit Card Statement
# 2 copies of NRIC (both side)
# Utility Bill -If the current address doesn't tally with the address in the NRIC-Items 1,2&3 (All documents must endorse by HR/Finance/Admin/Branch/Dept-Div Head and endorsement must have company's stamp with address,name,signature and designation)
# Bank statement showing latest 3 months income credited into bank account (must endorse by bank's officer including the bank's name and bank's official stamped.)
*'''Supporting Document''' (If necessary):
a) Rental Proceeds (Property):
**Stamped tenancy agreement valid for at least 6 months.
**Latest personal bank statements showing latest 3 consecutive

== Employment Status F - CCSP-SD (Joint Value) ==
* Rate :
** 2-3 years -3.25%
** 4-5 years -4.25%
** 6-10 years -4.75%
** 11-15years -4.95%
* Financing Amount : RM2,000 - RM15,000(MAX)
* Financing Limit : 26 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-15 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old or up to retirement age
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Direct salary deduction from company's
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# Application Form - Employee to complete application form & submit to ARBM Sales Representatives
# 2 copies of NRIC -(both side) with original sighted by ABRM representative
# Salary Slip - most recent salary slip duly endorsed by Company's Human Resources(HR)
# Employment Confirmation - Confirmation from HR on employee's salary & employment status via HR confirmation letter
# Letter of Authorization - Authorization from Employee to ARBM & Company's HR to allow Employer to deduct Employee's monthly salary for installment payment
# Additional Documents -
** Irrevocable instructions
** Letter of Acknowledgement & consent
** Staff Confirmation

Al Rajhi - Mass Market

2012-06-14T07:05:47Z

Admin: /* Employment Status C - Generic (PF-FI) */

== Product Criteria ==
* Interest Rate :

== Target Market ==
* Applicants without potongan biro are allowed to apply under this package.
* Self-employed / Own business
* Direct Sales
* Commission Earners
* Insurance Agents

== Al Rajhi Approved Employer ==

=== AEL (Approved Employment Listing) ===
* Needs only 1 month payslip
* Payslip condition must be carbonite / logo(payslip photocopy)
* Bank statement(must have pengesahan from bank officer)
* Payslip without logo - perlu disahkan oleh HR(copy perlu ada 1)nama pic 2)Jawatan 3)nama company/alamat)

=== EEL (E Employment Listing)===
* Do not need to have pengesahan jawatan.
* Foreigner can apply - gaji must be RM15k and above.

===Sdn Bhd Company===
* Needs 3 month payslip
* Needs 3 months bank statement (to show salary)
* Certain company must have verification letter (with letter head) addressed to Al Rajhi Bank

== Employment Status A - Generic (Employee) ==
* Normal Rate: 7.25%
* High Income Rate: 6.50% (Income more than RM10,000)
* Financing Amount: RM2,000 - RM15,000 (Max)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-5 years
* Age:
** Min: 21 years old based on year of Birth
** Max: 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

* '''DOCUMENTATION''':
*# Latest 3 month payslip - must be endorsed by company
*# 2 copies of NRIC (both side) - must be endorsed by company
*# Utility Bill (If the current address doesn't tally with the address in the NRIC) - must be endorsed by company
*# Reference letter from HR (if applicable)
*# Bank statement showing latest 3 months income credited into bank account (must be endorsed by bank's officer including the bank's name and bank's official stamped.)
*# Supporting Document (if applicable):
*## Rental Proceeds (Property):
*### Stamped tenancy agreement valid for at least 6 months.
*### Latest personal bank statements showing latest 3 consecutive
*'''IMPORTANT''': Endorsement by company must be done by HR/Finance/Admin/Branch/Dept/Div head with company's stamp with address, name, signature and designation

== Employment Status B - Generic (Self Employed) ==
* Rate: 7.25%
* Financing Amount: RM2,000 - RM10,000 (Max)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-5 years
* Age:
** Min: 21 years old based on year of birth
** Max: 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# 2 copies of NRIC (both side)
# Business registration
# 6 months business bank statement (must endorse by bank's officer including the bank's name and bank's official stamped.)
# Form B (Personal Income Tax Declaration)
# Receipt of Tax Payment as proof
# Utility Bill (if the current address doesn't tally with the address in the NRIC)
# Supporting Document (if applicable):
#* Rental Proceeds (Property):
#** Stamped tenancy agreement valid for at least 6 months.
#** Latest personal bank statements showing latest 3 consecutive

== Employment Status C - Generic (PF-FI) ==
* Rate: 6.99%
* Profit Return: 3.00% (INDICATIVE)
* Financing Amount: RM5,000 - RM15,000(MAX)
* Financing Limit: Up to Max MOF 95%
* Financing Tenure: 1-7 years
* Security: Fixed investment(FI) / CASA(Deposit)
* Age:
** Min: 21 years old based on Year of Birth
** Max: 65 years old (based on year of birth;age at the end of financing should not more than 60 years old) (PF secured FI<65 years old)
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Processing Fee: NIL
** Stamp Duty on:
**# Master Commodity Sale Agreement - Ad Valorem (0.5% of the total financing amount)
**# Letter of Offer - RM 10.00
**# Letter of Set Off - RM 20.00
**# Memorandum of Deposit - RM 30.00
**# Power of Attorney - RM 30.00
**# Folio (6 pages X RM2.00) - RM 12.00
**# Court Registration - RM 10.00
**# Attestation - RM 20.00
**# Revocation of PA - RM 36.00
** Actual cost incurred (payable to commodity supplier):
**# BURSA Transaction Fee
**# Transfer of Ownership Fee (for Steamcoal)
** Optional
**# Takaful (depends on the amount financing, tenure and age)
**# Standard Will Writing -RM 350.00
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia Citizens / PR Holders

* '''DOCUMENTATION''':
*# 2 copies of NRIC (both side)

== Employment Status D - GENERIC (Target Segment) ==
* Rate :
** 2-5 years (7.25%)
** 6-7 years up to (11.99%)
* Financing Amount : RM2,000 - RM15,000(MAX)
* Financing Limit : 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-7 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Auto Debit (IBG) or pay over the counter
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# Latest 1 month payslip
# 1 copies of NRIC (both side)
# Utility Bill -If the current address doesn't tally with the address in the NRIC-Items 1,2&3 (All documents must endorse by HR/Finance/Admin/Branch/Dept-Div Head and endorsement must have company's stamp with address,name,signature and designation)
# Reference letter from HR (if necessary)
# Bank statement showing latest 3 months income credited into bank account (must endorse by bank's officer including the bank's name and bank's official stamped.)
*'''Supporting Document''' (If necessary):
a) Rental Proceeds (Property):
**Stamped tenancy agreement valid for at least 6 months.
**Latest personal bank statements showing latest 3 consecutive

== Employment Status E - GENERIC (BALANCE TRANSFER) ==
* Rate : 7.25% (Income more than 10K-rate:6.5%)
* Financing Amount : RM2,000 - RM15,000(MAX)
* Financing Limit : 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-5 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Auto Debit or pay over the counter
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# Latest Credit Card Statement
# 2 copies of NRIC (both side)
# Utility Bill -If the current address doesn't tally with the address in the NRIC-Items 1,2&3 (All documents must endorse by HR/Finance/Admin/Branch/Dept-Div Head and endorsement must have company's stamp with address,name,signature and designation)
# Bank statement showing latest 3 months income credited into bank account (must endorse by bank's officer including the bank's name and bank's official stamped.)
*'''Supporting Document''' (If necessary):
a) Rental Proceeds (Property):
**Stamped tenancy agreement valid for at least 6 months.
**Latest personal bank statements showing latest 3 consecutive

== Employment Status F - CCSP-SD (Joint Value) ==
* Rate :
** 2-3 years -3.25%
** 4-5 years -4.25%
** 6-10 years -4.75%
** 11-15years -4.95%
* Financing Amount : RM2,000 - RM15,000(MAX)
* Financing Limit : 26 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-15 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old or up to retirement age
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Direct salary deduction from company's
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# Application Form - Employee to complete application form & submit to ARBM Sales Representatives
# 2 copies of NRIC -(both side) with original sighted by ABRM representative
# Salary Slip - most recent salary slip duly endorsed by Company's Human Resources(HR)
# Employment Confirmation - Confirmation from HR on employee's salary & employment status via HR confirmation letter
# Letter of Authorization - Authorization from Employee to ARBM & Company's HR to allow Employer to deduct Employee's monthly salary for installment payment
# Additional Documents -
** Irrevocable instructions
** Letter of Acknowledgement & consent
** Staff Confirmation

Al Rajhi - Mass Market

2012-06-14T07:05:31Z

Admin: /* Employment Status C - GENERIC (PF-FI) */

== Product Criteria ==
* Interest Rate :

== Target Market ==
* Applicants without potongan biro are allowed to apply under this package.
* Self-employed / Own business
* Direct Sales
* Commission Earners
* Insurance Agents

== Al Rajhi Approved Employer ==

=== AEL (Approved Employment Listing) ===
* Needs only 1 month payslip
* Payslip condition must be carbonite / logo(payslip photocopy)
* Bank statement(must have pengesahan from bank officer)
* Payslip without logo - perlu disahkan oleh HR(copy perlu ada 1)nama pic 2)Jawatan 3)nama company/alamat)

=== EEL (E Employment Listing)===
* Do not need to have pengesahan jawatan.
* Foreigner can apply - gaji must be RM15k and above.

===Sdn Bhd Company===
* Needs 3 month payslip
* Needs 3 months bank statement (to show salary)
* Certain company must have verification letter (with letter head) addressed to Al Rajhi Bank

== Employment Status A - Generic (Employee) ==
* Normal Rate: 7.25%
* High Income Rate: 6.50% (Income more than RM10,000)
* Financing Amount: RM2,000 - RM15,000 (Max)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-5 years
* Age:
** Min: 21 years old based on year of Birth
** Max: 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

* '''DOCUMENTATION''':
*# Latest 3 month payslip - must be endorsed by company
*# 2 copies of NRIC (both side) - must be endorsed by company
*# Utility Bill (If the current address doesn't tally with the address in the NRIC) - must be endorsed by company
*# Reference letter from HR (if applicable)
*# Bank statement showing latest 3 months income credited into bank account (must be endorsed by bank's officer including the bank's name and bank's official stamped.)
*# Supporting Document (if applicable):
*## Rental Proceeds (Property):
*### Stamped tenancy agreement valid for at least 6 months.
*### Latest personal bank statements showing latest 3 consecutive
*'''IMPORTANT''': Endorsement by company must be done by HR/Finance/Admin/Branch/Dept/Div head with company's stamp with address, name, signature and designation

== Employment Status B - Generic (Self Employed) ==
* Rate: 7.25%
* Financing Amount: RM2,000 - RM10,000 (Max)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-5 years
* Age:
** Min: 21 years old based on year of birth
** Max: 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# 2 copies of NRIC (both side)
# Business registration
# 6 months business bank statement (must endorse by bank's officer including the bank's name and bank's official stamped.)
# Form B (Personal Income Tax Declaration)
# Receipt of Tax Payment as proof
# Utility Bill (if the current address doesn't tally with the address in the NRIC)
# Supporting Document (if applicable):
#* Rental Proceeds (Property):
#** Stamped tenancy agreement valid for at least 6 months.
#** Latest personal bank statements showing latest 3 consecutive

== Employment Status C - Generic (PF-FI) ==
* Rate: 6.99%
* Profit Return: 3.00% (INDICATIVE)
* Financing Amount: RM5,000 - RM15,000(MAX)
* Financing Limit: Up to Max MOF 95%
* Financing Tenure: 1-7 years
* Security: Fixed investment(FI) / CASA(Deposit)
* Age:
** Min: 21 years old based on Year of Birth
** Max: 65 years old (based on year of birth;age at the end of financing should not more than 60 years old) (PF secured FI<65 years old)
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Processing Fee: NIL
** Stamp Duty on:
**# Master Commodity Sale Agreement - Ad Valorem (0.5% of the total financing amount)
**# Letter of Offer - RM 10.00
**# Letter of Set Off - RM 20.00
**# Memorandum of Deposit - RM 30.00
**# Power of Attorney - RM 30.00
**# Folio (6 pages X RM2.00) - RM 12.00
**# Court Registration - RM 10.00
**# Attestation - RM 20.00
**# Revocation of PA - RM 36.00
** Actual cost incurred (payable to commodity supplier):
**# BURSA Transaction Fee
**# Transfer of Ownership Fee (for Steamcoal)
** Optional
**# Takaful (depends on the amount financing, tenure and age)
**# Standard Will Writing -RM 350.00
* Installment Payment : Auto Debit (IBG) or pay over the counter
* Nationality : Malaysia Citizens / PR Holders

* '''DOCUMENTATION''':
*# 2 copies of NRIC (both side)

== Employment Status D - GENERIC (Target Segment) ==
* Rate :
** 2-5 years (7.25%)
** 6-7 years up to (11.99%)
* Financing Amount : RM2,000 - RM15,000(MAX)
* Financing Limit : 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-7 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Auto Debit (IBG) or pay over the counter
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# Latest 1 month payslip
# 1 copies of NRIC (both side)
# Utility Bill -If the current address doesn't tally with the address in the NRIC-Items 1,2&3 (All documents must endorse by HR/Finance/Admin/Branch/Dept-Div Head and endorsement must have company's stamp with address,name,signature and designation)
# Reference letter from HR (if necessary)
# Bank statement showing latest 3 months income credited into bank account (must endorse by bank's officer including the bank's name and bank's official stamped.)
*'''Supporting Document''' (If necessary):
a) Rental Proceeds (Property):
**Stamped tenancy agreement valid for at least 6 months.
**Latest personal bank statements showing latest 3 consecutive

== Employment Status E - GENERIC (BALANCE TRANSFER) ==
* Rate : 7.25% (Income more than 10K-rate:6.5%)
* Financing Amount : RM2,000 - RM15,000(MAX)
* Financing Limit : 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-5 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Auto Debit or pay over the counter
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# Latest Credit Card Statement
# 2 copies of NRIC (both side)
# Utility Bill -If the current address doesn't tally with the address in the NRIC-Items 1,2&3 (All documents must endorse by HR/Finance/Admin/Branch/Dept-Div Head and endorsement must have company's stamp with address,name,signature and designation)
# Bank statement showing latest 3 months income credited into bank account (must endorse by bank's officer including the bank's name and bank's official stamped.)
*'''Supporting Document''' (If necessary):
a) Rental Proceeds (Property):
**Stamped tenancy agreement valid for at least 6 months.
**Latest personal bank statements showing latest 3 consecutive

== Employment Status F - CCSP-SD (Joint Value) ==
* Rate :
** 2-3 years -3.25%
** 4-5 years -4.25%
** 6-10 years -4.75%
** 11-15years -4.95%
* Financing Amount : RM2,000 - RM15,000(MAX)
* Financing Limit : 26 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-15 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old or up to retirement age
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Direct salary deduction from company's
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# Application Form - Employee to complete application form & submit to ARBM Sales Representatives
# 2 copies of NRIC -(both side) with original sighted by ABRM representative
# Salary Slip - most recent salary slip duly endorsed by Company's Human Resources(HR)
# Employment Confirmation - Confirmation from HR on employee's salary & employment status via HR confirmation letter
# Letter of Authorization - Authorization from Employee to ARBM & Company's HR to allow Employer to deduct Employee's monthly salary for installment payment
# Additional Documents -
** Irrevocable instructions
** Letter of Acknowledgement & consent
** Staff Confirmation

Al Rajhi - Mass Market

2012-06-14T07:04:56Z

Admin: /* Employment Status C - GENERIC (PF-FI) */

== Product Criteria ==
* Interest Rate :

== Target Market ==
* Applicants without potongan biro are allowed to apply under this package.
* Self-employed / Own business
* Direct Sales
* Commission Earners
* Insurance Agents

== Al Rajhi Approved Employer ==

=== AEL (Approved Employment Listing) ===
* Needs only 1 month payslip
* Payslip condition must be carbonite / logo(payslip photocopy)
* Bank statement(must have pengesahan from bank officer)
* Payslip without logo - perlu disahkan oleh HR(copy perlu ada 1)nama pic 2)Jawatan 3)nama company/alamat)

=== EEL (E Employment Listing)===
* Do not need to have pengesahan jawatan.
* Foreigner can apply - gaji must be RM15k and above.

===Sdn Bhd Company===
* Needs 3 month payslip
* Needs 3 months bank statement (to show salary)
* Certain company must have verification letter (with letter head) addressed to Al Rajhi Bank

== Employment Status A - Generic (Employee) ==
* Normal Rate: 7.25%
* High Income Rate: 6.50% (Income more than RM10,000)
* Financing Amount: RM2,000 - RM15,000 (Max)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-5 years
* Age:
** Min: 21 years old based on year of Birth
** Max: 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

* '''DOCUMENTATION''':
*# Latest 3 month payslip - must be endorsed by company
*# 2 copies of NRIC (both side) - must be endorsed by company
*# Utility Bill (If the current address doesn't tally with the address in the NRIC) - must be endorsed by company
*# Reference letter from HR (if applicable)
*# Bank statement showing latest 3 months income credited into bank account (must be endorsed by bank's officer including the bank's name and bank's official stamped.)
*# Supporting Document (if applicable):
*## Rental Proceeds (Property):
*### Stamped tenancy agreement valid for at least 6 months.
*### Latest personal bank statements showing latest 3 consecutive
*'''IMPORTANT''': Endorsement by company must be done by HR/Finance/Admin/Branch/Dept/Div head with company's stamp with address, name, signature and designation

== Employment Status B - Generic (Self Employed) ==
* Rate: 7.25%
* Financing Amount: RM2,000 - RM10,000 (Max)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-5 years
* Age:
** Min: 21 years old based on year of birth
** Max: 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# 2 copies of NRIC (both side)
# Business registration
# 6 months business bank statement (must endorse by bank's officer including the bank's name and bank's official stamped.)
# Form B (Personal Income Tax Declaration)
# Receipt of Tax Payment as proof
# Utility Bill (if the current address doesn't tally with the address in the NRIC)
# Supporting Document (if applicable):
#* Rental Proceeds (Property):
#** Stamped tenancy agreement valid for at least 6 months.
#** Latest personal bank statements showing latest 3 consecutive

== Employment Status C - GENERIC (PF-FI) ==
* Rate: 6.99%
* Profit Return: 3.00% (INDICATIVE)
* Financing Amount: RM5,000 - RM15,000(MAX)
* Financing Limit: Up to Max MOF 95%
* Financing Tenure: 1-7 years
* Security: Fixed investment(FI) / CASA(Deposit)
* Age:
** Min: 21 years old based on Year of Birth
** Max: 65 years old (based on year of birth;age at the end of financing should not more than 60 years old) (PF secured FI<65 years old)
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Processing Fee: NIL
** Stamp Duty on:
**# Master Commodity Sale Agreement - Ad Valorem (0.5% of the total financing amount)
**# Letter of Offer - RM 10.00
**# Letter of Set Off -RM 20.00
**# Memorandum of Deposit -RM 30.00
**# Power of Attorney -RM 30.00
**# Folio (6 pages X RM2.00) -RM 12.00
**# Court Registration -RM 10.00
**# Attestation -RM 20.00
**# Revocation of PA -RM 36.00
** Actual cost incurred (payable to commodity supplier):
**# BURSA Transaction Fee
**# Transfer of Ownership Fee (for Steamcoal)
** Optional
**# Takaful (depends on the amount financing, tenure and age)
**# Standard Will Writing -RM 350.00
* Installment Payment : Auto Debit (IBG) or pay over the counter
* Nationality : Malaysia Citizens / PR Holders

* '''DOCUMENTATION''':
# 2 copies of NRIC (both side)

== Employment Status D - GENERIC (Target Segment) ==
* Rate :
** 2-5 years (7.25%)
** 6-7 years up to (11.99%)
* Financing Amount : RM2,000 - RM15,000(MAX)
* Financing Limit : 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-7 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Auto Debit (IBG) or pay over the counter
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# Latest 1 month payslip
# 1 copies of NRIC (both side)
# Utility Bill -If the current address doesn't tally with the address in the NRIC-Items 1,2&3 (All documents must endorse by HR/Finance/Admin/Branch/Dept-Div Head and endorsement must have company's stamp with address,name,signature and designation)
# Reference letter from HR (if necessary)
# Bank statement showing latest 3 months income credited into bank account (must endorse by bank's officer including the bank's name and bank's official stamped.)
*'''Supporting Document''' (If necessary):
a) Rental Proceeds (Property):
**Stamped tenancy agreement valid for at least 6 months.
**Latest personal bank statements showing latest 3 consecutive

== Employment Status E - GENERIC (BALANCE TRANSFER) ==
* Rate : 7.25% (Income more than 10K-rate:6.5%)
* Financing Amount : RM2,000 - RM15,000(MAX)
* Financing Limit : 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-5 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Auto Debit or pay over the counter
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# Latest Credit Card Statement
# 2 copies of NRIC (both side)
# Utility Bill -If the current address doesn't tally with the address in the NRIC-Items 1,2&3 (All documents must endorse by HR/Finance/Admin/Branch/Dept-Div Head and endorsement must have company's stamp with address,name,signature and designation)
# Bank statement showing latest 3 months income credited into bank account (must endorse by bank's officer including the bank's name and bank's official stamped.)
*'''Supporting Document''' (If necessary):
a) Rental Proceeds (Property):
**Stamped tenancy agreement valid for at least 6 months.
**Latest personal bank statements showing latest 3 consecutive

== Employment Status F - CCSP-SD (Joint Value) ==
* Rate :
** 2-3 years -3.25%
** 4-5 years -4.25%
** 6-10 years -4.75%
** 11-15years -4.95%
* Financing Amount : RM2,000 - RM15,000(MAX)
* Financing Limit : 26 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-15 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old or up to retirement age
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Direct salary deduction from company's
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# Application Form - Employee to complete application form & submit to ARBM Sales Representatives
# 2 copies of NRIC -(both side) with original sighted by ABRM representative
# Salary Slip - most recent salary slip duly endorsed by Company's Human Resources(HR)
# Employment Confirmation - Confirmation from HR on employee's salary & employment status via HR confirmation letter
# Letter of Authorization - Authorization from Employee to ARBM & Company's HR to allow Employer to deduct Employee's monthly salary for installment payment
# Additional Documents -
** Irrevocable instructions
** Letter of Acknowledgement & consent
** Staff Confirmation

Al Rajhi - Mass Market

2012-06-14T07:00:20Z

Admin: /* Employment Status B - GENERIC (Self Employed) */

== Product Criteria ==
* Interest Rate :

== Target Market ==
* Applicants without potongan biro are allowed to apply under this package.
* Self-employed / Own business
* Direct Sales
* Commission Earners
* Insurance Agents

== Al Rajhi Approved Employer ==

=== AEL (Approved Employment Listing) ===
* Needs only 1 month payslip
* Payslip condition must be carbonite / logo(payslip photocopy)
* Bank statement(must have pengesahan from bank officer)
* Payslip without logo - perlu disahkan oleh HR(copy perlu ada 1)nama pic 2)Jawatan 3)nama company/alamat)

=== EEL (E Employment Listing)===
* Do not need to have pengesahan jawatan.
* Foreigner can apply - gaji must be RM15k and above.

===Sdn Bhd Company===
* Needs 3 month payslip
* Needs 3 months bank statement (to show salary)
* Certain company must have verification letter (with letter head) addressed to Al Rajhi Bank

== Employment Status A - Generic (Employee) ==
* Normal Rate: 7.25%
* High Income Rate: 6.50% (Income more than RM10,000)
* Financing Amount: RM2,000 - RM15,000 (Max)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-5 years
* Age:
** Min: 21 years old based on year of Birth
** Max: 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

* '''DOCUMENTATION''':
*# Latest 3 month payslip - must be endorsed by company
*# 2 copies of NRIC (both side) - must be endorsed by company
*# Utility Bill (If the current address doesn't tally with the address in the NRIC) - must be endorsed by company
*# Reference letter from HR (if applicable)
*# Bank statement showing latest 3 months income credited into bank account (must be endorsed by bank's officer including the bank's name and bank's official stamped.)
*# Supporting Document (if applicable):
*## Rental Proceeds (Property):
*### Stamped tenancy agreement valid for at least 6 months.
*### Latest personal bank statements showing latest 3 consecutive
*'''IMPORTANT''': Endorsement by company must be done by HR/Finance/Admin/Branch/Dept/Div head with company's stamp with address, name, signature and designation

== Employment Status B - Generic (Self Employed) ==
* Rate: 7.25%
* Financing Amount: RM2,000 - RM10,000 (Max)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-5 years
* Age:
** Min: 21 years old based on year of birth
** Max: 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# 2 copies of NRIC (both side)
# Business registration
# 6 months business bank statement (must endorse by bank's officer including the bank's name and bank's official stamped.)
# Form B (Personal Income Tax Declaration)
# Receipt of Tax Payment as proof
# Utility Bill (if the current address doesn't tally with the address in the NRIC)
# Supporting Document (if applicable):
#* Rental Proceeds (Property):
#** Stamped tenancy agreement valid for at least 6 months.
#** Latest personal bank statements showing latest 3 consecutive

== Employment Status C - GENERIC (PF-FI) ==
* Rate : 6.99%
* Profit Return : 3.00% (INDICATIVE)
* Financing Amount : RM5,000 - RM15,000(MAX)
* Financing Limit : Up to Max mof 95%
* Financing Tenure : 1-7 years
* Security : Fixed investment(FI) / CASA(Deposit)
* Age :
** Min 21 years old based on Year of Birth
** Max 65 years old (based on year of birth;age at the end of financing should not more than 60 years old) (PF secured FI<65 years old)
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Processing Fee : NIL
** Stamp Duty on :
a) Master Commodity Sale Agreement - Ad velorem(currently is 0.5% of the total financing amount)
b) Letter of Offer -RM 10.00
c) Letter of Set Off -RM 20.00
d) Memorandum of Deposit -RM 30.00
e) Power of Attorney -RM 30.00
f) Folio (6 pages X RM2.00) -RM 12.00
g) Court Registration -RM 10.00
h) Attestation -RM 20.00
i) Revocation of PA -RM 36.00
** Actual cost incurred (payable to commodity supplier) :
a) BURSA Transaction Fee
b) Transfer of Ownership Fee (for Steamcoal)
** Optional
a) Takaful (depends on the amount financing, tenure and age)
b) Standard Will Writing -RM 350.00
* Installment Payment : Auto Debit (IBG) or pay over the counter
* Nationality : Malaysia Citizens / PR Holders

*'''DOCUMENTATION''':
# 2 copies of NRIC (both side)

== Employment Status D - GENERIC (Target Segment) ==
* Rate :
** 2-5 years (7.25%)
** 6-7 years up to (11.99%)
* Financing Amount : RM2,000 - RM15,000(MAX)
* Financing Limit : 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-7 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Auto Debit (IBG) or pay over the counter
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# Latest 1 month payslip
# 1 copies of NRIC (both side)
# Utility Bill -If the current address doesn't tally with the address in the NRIC-Items 1,2&3 (All documents must endorse by HR/Finance/Admin/Branch/Dept-Div Head and endorsement must have company's stamp with address,name,signature and designation)
# Reference letter from HR (if necessary)
# Bank statement showing latest 3 months income credited into bank account (must endorse by bank's officer including the bank's name and bank's official stamped.)
*'''Supporting Document''' (If necessary):
a) Rental Proceeds (Property):
**Stamped tenancy agreement valid for at least 6 months.
**Latest personal bank statements showing latest 3 consecutive

== Employment Status E - GENERIC (BALANCE TRANSFER) ==
* Rate : 7.25% (Income more than 10K-rate:6.5%)
* Financing Amount : RM2,000 - RM15,000(MAX)
* Financing Limit : 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-5 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Auto Debit or pay over the counter
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# Latest Credit Card Statement
# 2 copies of NRIC (both side)
# Utility Bill -If the current address doesn't tally with the address in the NRIC-Items 1,2&3 (All documents must endorse by HR/Finance/Admin/Branch/Dept-Div Head and endorsement must have company's stamp with address,name,signature and designation)
# Bank statement showing latest 3 months income credited into bank account (must endorse by bank's officer including the bank's name and bank's official stamped.)
*'''Supporting Document''' (If necessary):
a) Rental Proceeds (Property):
**Stamped tenancy agreement valid for at least 6 months.
**Latest personal bank statements showing latest 3 consecutive

== Employment Status F - CCSP-SD (Joint Value) ==
* Rate :
** 2-3 years -3.25%
** 4-5 years -4.25%
** 6-10 years -4.75%
** 11-15years -4.95%
* Financing Amount : RM2,000 - RM15,000(MAX)
* Financing Limit : 26 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-15 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old or up to retirement age
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Direct salary deduction from company's
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# Application Form - Employee to complete application form & submit to ARBM Sales Representatives
# 2 copies of NRIC -(both side) with original sighted by ABRM representative
# Salary Slip - most recent salary slip duly endorsed by Company's Human Resources(HR)
# Employment Confirmation - Confirmation from HR on employee's salary & employment status via HR confirmation letter
# Letter of Authorization - Authorization from Employee to ARBM & Company's HR to allow Employer to deduct Employee's monthly salary for installment payment
# Additional Documents -
** Irrevocable instructions
** Letter of Acknowledgement & consent
** Staff Confirmation

Al Rajhi - Mass Market

2012-06-14T06:56:13Z

Admin: /* Employment Status A - GENERIC (employee) */

== Product Criteria ==
* Interest Rate :

== Target Market ==
* Applicants without potongan biro are allowed to apply under this package.
* Self-employed / Own business
* Direct Sales
* Commission Earners
* Insurance Agents

== Al Rajhi Approved Employer ==

=== AEL (Approved Employment Listing) ===
* Needs only 1 month payslip
* Payslip condition must be carbonite / logo(payslip photocopy)
* Bank statement(must have pengesahan from bank officer)
* Payslip without logo - perlu disahkan oleh HR(copy perlu ada 1)nama pic 2)Jawatan 3)nama company/alamat)

=== EEL (E Employment Listing)===
* Do not need to have pengesahan jawatan.
* Foreigner can apply - gaji must be RM15k and above.

===Sdn Bhd Company===
* Needs 3 month payslip
* Needs 3 months bank statement (to show salary)
* Certain company must have verification letter (with letter head) addressed to Al Rajhi Bank

== Employment Status A - Generic (Employee) ==
* Normal Rate: 7.25%
* High Income Rate: 6.50% (Income more than RM10,000)
* Financing Amount: RM2,000 - RM15,000 (Max)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-5 years
* Age:
** Min: 21 years old based on year of Birth
** Max: 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

* '''DOCUMENTATION''':
*# Latest 3 month payslip - must be endorsed by company
*# 2 copies of NRIC (both side) - must be endorsed by company
*# Utility Bill (If the current address doesn't tally with the address in the NRIC) - must be endorsed by company
*# Reference letter from HR (if applicable)
*# Bank statement showing latest 3 months income credited into bank account (must be endorsed by bank's officer including the bank's name and bank's official stamped.)
*# Supporting Document (if applicable):
*## Rental Proceeds (Property):
*### Stamped tenancy agreement valid for at least 6 months.
*### Latest personal bank statements showing latest 3 consecutive
*'''IMPORTANT''': Endorsement by company must be done by HR/Finance/Admin/Branch/Dept/Div head with company's stamp with address, name, signature and designation

== Employment Status B - GENERIC (Self Employed) ==
* Rate : 7.25%
* Financing Amount : RM2,000 - RM10,000(MAX)
* Financing Limit : 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-5 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Auto Debit (IBG) or pay over the counter
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# 2 copies of NRIC (both side)
#** Business registration
** 6 months business bank statement (must endorse by bank's officer including the bank's name and bank's official stamped.)
** Form B (Personal Income Tax Declaration)
** Receipt of Tax Payment as proof
#Utility Bill - If the current address doesn't tally with the address in the NRIC.
*'''Supporting Document''' (If necessary):
a) Rental Proceeds (Property):
**Stamped tenancy agreement valid for at least 6 months.
**Latest personal bank statements showing latest 3 consecutive

== Employment Status C - GENERIC (PF-FI) ==
* Rate : 6.99%
* Profit Return : 3.00% (INDICATIVE)
* Financing Amount : RM5,000 - RM15,000(MAX)
* Financing Limit : Up to Max mof 95%
* Financing Tenure : 1-7 years
* Security : Fixed investment(FI) / CASA(Deposit)
* Age :
** Min 21 years old based on Year of Birth
** Max 65 years old (based on year of birth;age at the end of financing should not more than 60 years old) (PF secured FI<65 years old)
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Processing Fee : NIL
** Stamp Duty on :
a) Master Commodity Sale Agreement - Ad velorem(currently is 0.5% of the total financing amount)
b) Letter of Offer -RM 10.00
c) Letter of Set Off -RM 20.00
d) Memorandum of Deposit -RM 30.00
e) Power of Attorney -RM 30.00
f) Folio (6 pages X RM2.00) -RM 12.00
g) Court Registration -RM 10.00
h) Attestation -RM 20.00
i) Revocation of PA -RM 36.00
** Actual cost incurred (payable to commodity supplier) :
a) BURSA Transaction Fee
b) Transfer of Ownership Fee (for Steamcoal)
** Optional
a) Takaful (depends on the amount financing, tenure and age)
b) Standard Will Writing -RM 350.00
* Installment Payment : Auto Debit (IBG) or pay over the counter
* Nationality : Malaysia Citizens / PR Holders

*'''DOCUMENTATION''':
# 2 copies of NRIC (both side)

== Employment Status D - GENERIC (Target Segment) ==
* Rate :
** 2-5 years (7.25%)
** 6-7 years up to (11.99%)
* Financing Amount : RM2,000 - RM15,000(MAX)
* Financing Limit : 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-7 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Auto Debit (IBG) or pay over the counter
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# Latest 1 month payslip
# 1 copies of NRIC (both side)
# Utility Bill -If the current address doesn't tally with the address in the NRIC-Items 1,2&3 (All documents must endorse by HR/Finance/Admin/Branch/Dept-Div Head and endorsement must have company's stamp with address,name,signature and designation)
# Reference letter from HR (if necessary)
# Bank statement showing latest 3 months income credited into bank account (must endorse by bank's officer including the bank's name and bank's official stamped.)
*'''Supporting Document''' (If necessary):
a) Rental Proceeds (Property):
**Stamped tenancy agreement valid for at least 6 months.
**Latest personal bank statements showing latest 3 consecutive

== Employment Status E - GENERIC (BALANCE TRANSFER) ==
* Rate : 7.25% (Income more than 10K-rate:6.5%)
* Financing Amount : RM2,000 - RM15,000(MAX)
* Financing Limit : 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-5 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Auto Debit or pay over the counter
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# Latest Credit Card Statement
# 2 copies of NRIC (both side)
# Utility Bill -If the current address doesn't tally with the address in the NRIC-Items 1,2&3 (All documents must endorse by HR/Finance/Admin/Branch/Dept-Div Head and endorsement must have company's stamp with address,name,signature and designation)
# Bank statement showing latest 3 months income credited into bank account (must endorse by bank's officer including the bank's name and bank's official stamped.)
*'''Supporting Document''' (If necessary):
a) Rental Proceeds (Property):
**Stamped tenancy agreement valid for at least 6 months.
**Latest personal bank statements showing latest 3 consecutive

== Employment Status F - CCSP-SD (Joint Value) ==
* Rate :
** 2-3 years -3.25%
** 4-5 years -4.25%
** 6-10 years -4.75%
** 11-15years -4.95%
* Financing Amount : RM2,000 - RM15,000(MAX)
* Financing Limit : 26 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-15 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old or up to retirement age
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Direct salary deduction from company's
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# Application Form - Employee to complete application form & submit to ARBM Sales Representatives
# 2 copies of NRIC -(both side) with original sighted by ABRM representative
# Salary Slip - most recent salary slip duly endorsed by Company's Human Resources(HR)
# Employment Confirmation - Confirmation from HR on employee's salary & employment status via HR confirmation letter
# Letter of Authorization - Authorization from Employee to ARBM & Company's HR to allow Employer to deduct Employee's monthly salary for installment payment
# Additional Documents -
** Irrevocable instructions
** Letter of Acknowledgement & consent
** Staff Confirmation

Al Rajhi - Mass Market

2012-06-14T06:55:52Z

Admin: /* Sdn Bhd Company */

== Product Criteria ==
* Interest Rate :

== Target Market ==
* Applicants without potongan biro are allowed to apply under this package.
* Self-employed / Own business
* Direct Sales
* Commission Earners
* Insurance Agents

== Al Rajhi Approved Employer ==

=== AEL (Approved Employment Listing) ===
* Needs only 1 month payslip
* Payslip condition must be carbonite / logo(payslip photocopy)
* Bank statement(must have pengesahan from bank officer)
* Payslip without logo - perlu disahkan oleh HR(copy perlu ada 1)nama pic 2)Jawatan 3)nama company/alamat)

=== EEL (E Employment Listing)===
* Do not need to have pengesahan jawatan.
* Foreigner can apply - gaji must be RM15k and above.

===Sdn Bhd Company===
* Needs 3 month payslip
* Needs 3 months bank statement (to show salary)
* Certain company must have verification letter (with letter head) addressed to Al Rajhi Bank

== Employment Status A - GENERIC (employee) ==
* Normal Rate: 7.25%
* High Income Rate: 6.50% (Income more than RM10,000)
* Financing Amount: RM2,000 - RM15,000 (Max)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-5 years
* Age:
** Min: 21 years old based on year of Birth
** Max: 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

* '''DOCUMENTATION''':
*# Latest 3 month payslip - must be endorsed by company
*# 2 copies of NRIC (both side) - must be endorsed by company
*# Utility Bill (If the current address doesn't tally with the address in the NRIC) - must be endorsed by company
*# Reference letter from HR (if applicable)
*# Bank statement showing latest 3 months income credited into bank account (must be endorsed by bank's officer including the bank's name and bank's official stamped.)
*# Supporting Document (if applicable):
*## Rental Proceeds (Property):
*### Stamped tenancy agreement valid for at least 6 months.
*### Latest personal bank statements showing latest 3 consecutive
*'''IMPORTANT''': Endorsement by company must be done by HR/Finance/Admin/Branch/Dept/Div head with company's stamp with address, name, signature and designation

== Employment Status B - GENERIC (Self Employed) ==
* Rate : 7.25%
* Financing Amount : RM2,000 - RM10,000(MAX)
* Financing Limit : 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-5 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Auto Debit (IBG) or pay over the counter
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# 2 copies of NRIC (both side)
#** Business registration
** 6 months business bank statement (must endorse by bank's officer including the bank's name and bank's official stamped.)
** Form B (Personal Income Tax Declaration)
** Receipt of Tax Payment as proof
#Utility Bill - If the current address doesn't tally with the address in the NRIC.
*'''Supporting Document''' (If necessary):
a) Rental Proceeds (Property):
**Stamped tenancy agreement valid for at least 6 months.
**Latest personal bank statements showing latest 3 consecutive

== Employment Status C - GENERIC (PF-FI) ==
* Rate : 6.99%
* Profit Return : 3.00% (INDICATIVE)
* Financing Amount : RM5,000 - RM15,000(MAX)
* Financing Limit : Up to Max mof 95%
* Financing Tenure : 1-7 years
* Security : Fixed investment(FI) / CASA(Deposit)
* Age :
** Min 21 years old based on Year of Birth
** Max 65 years old (based on year of birth;age at the end of financing should not more than 60 years old) (PF secured FI<65 years old)
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Processing Fee : NIL
** Stamp Duty on :
a) Master Commodity Sale Agreement - Ad velorem(currently is 0.5% of the total financing amount)
b) Letter of Offer -RM 10.00
c) Letter of Set Off -RM 20.00
d) Memorandum of Deposit -RM 30.00
e) Power of Attorney -RM 30.00
f) Folio (6 pages X RM2.00) -RM 12.00
g) Court Registration -RM 10.00
h) Attestation -RM 20.00
i) Revocation of PA -RM 36.00
** Actual cost incurred (payable to commodity supplier) :
a) BURSA Transaction Fee
b) Transfer of Ownership Fee (for Steamcoal)
** Optional
a) Takaful (depends on the amount financing, tenure and age)
b) Standard Will Writing -RM 350.00
* Installment Payment : Auto Debit (IBG) or pay over the counter
* Nationality : Malaysia Citizens / PR Holders

*'''DOCUMENTATION''':
# 2 copies of NRIC (both side)

== Employment Status D - GENERIC (Target Segment) ==
* Rate :
** 2-5 years (7.25%)
** 6-7 years up to (11.99%)
* Financing Amount : RM2,000 - RM15,000(MAX)
* Financing Limit : 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-7 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Auto Debit (IBG) or pay over the counter
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# Latest 1 month payslip
# 1 copies of NRIC (both side)
# Utility Bill -If the current address doesn't tally with the address in the NRIC-Items 1,2&3 (All documents must endorse by HR/Finance/Admin/Branch/Dept-Div Head and endorsement must have company's stamp with address,name,signature and designation)
# Reference letter from HR (if necessary)
# Bank statement showing latest 3 months income credited into bank account (must endorse by bank's officer including the bank's name and bank's official stamped.)
*'''Supporting Document''' (If necessary):
a) Rental Proceeds (Property):
**Stamped tenancy agreement valid for at least 6 months.
**Latest personal bank statements showing latest 3 consecutive

== Employment Status E - GENERIC (BALANCE TRANSFER) ==
* Rate : 7.25% (Income more than 10K-rate:6.5%)
* Financing Amount : RM2,000 - RM15,000(MAX)
* Financing Limit : 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-5 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Auto Debit or pay over the counter
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# Latest Credit Card Statement
# 2 copies of NRIC (both side)
# Utility Bill -If the current address doesn't tally with the address in the NRIC-Items 1,2&3 (All documents must endorse by HR/Finance/Admin/Branch/Dept-Div Head and endorsement must have company's stamp with address,name,signature and designation)
# Bank statement showing latest 3 months income credited into bank account (must endorse by bank's officer including the bank's name and bank's official stamped.)
*'''Supporting Document''' (If necessary):
a) Rental Proceeds (Property):
**Stamped tenancy agreement valid for at least 6 months.
**Latest personal bank statements showing latest 3 consecutive

== Employment Status F - CCSP-SD (Joint Value) ==
* Rate :
** 2-3 years -3.25%
** 4-5 years -4.25%
** 6-10 years -4.75%
** 11-15years -4.95%
* Financing Amount : RM2,000 - RM15,000(MAX)
* Financing Limit : 26 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-15 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old or up to retirement age
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Direct salary deduction from company's
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# Application Form - Employee to complete application form & submit to ARBM Sales Representatives
# 2 copies of NRIC -(both side) with original sighted by ABRM representative
# Salary Slip - most recent salary slip duly endorsed by Company's Human Resources(HR)
# Employment Confirmation - Confirmation from HR on employee's salary & employment status via HR confirmation letter
# Letter of Authorization - Authorization from Employee to ARBM & Company's HR to allow Employer to deduct Employee's monthly salary for installment payment
# Additional Documents -
** Irrevocable instructions
** Letter of Acknowledgement & consent
** Staff Confirmation

Al Rajhi - Mass Market

2012-06-14T06:54:53Z

Admin: /* Employment Status A - GENERIC (employee) */

== Product Criteria ==
* Interest Rate :

== Target Market ==
* Applicants without potongan biro are allowed to apply under this package.
* Self-employed / Own business
* Direct Sales
* Commission Earners
* Insurance Agents

== Al Rajhi Approved Employer ==

=== AEL (Approved Employment Listing) ===
* Needs only 1 month payslip
* Payslip condition must be carbonite / logo(payslip photocopy)
* Bank statement(must have pengesahan from bank officer)
* Payslip without logo - perlu disahkan oleh HR(copy perlu ada 1)nama pic 2)Jawatan 3)nama company/alamat)

=== EEL (E Employment Listing)===
* Do not need to have pengesahan jawatan.
* Foreigner can apply - gaji must be RM15k and above.

===Sdn Bhd Company===
* Needs 3 month payslip
* Needs 3 months bank statement(to show gaji)
* Certain Company must have verification letter(with letter head) address under Alrajhi Bank

== Employment Status A - GENERIC (employee) ==
* Normal Rate: 7.25%
* High Income Rate: 6.50% (Income more than RM10,000)
* Financing Amount: RM2,000 - RM15,000 (Max)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-5 years
* Age:
** Min: 21 years old based on year of Birth
** Max: 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

* '''DOCUMENTATION''':
*# Latest 3 month payslip - must be endorsed by company
*# 2 copies of NRIC (both side) - must be endorsed by company
*# Utility Bill (If the current address doesn't tally with the address in the NRIC) - must be endorsed by company
*# Reference letter from HR (if applicable)
*# Bank statement showing latest 3 months income credited into bank account (must be endorsed by bank's officer including the bank's name and bank's official stamped.)
*# Supporting Document (if applicable):
*## Rental Proceeds (Property):
*### Stamped tenancy agreement valid for at least 6 months.
*### Latest personal bank statements showing latest 3 consecutive
*'''IMPORTANT''': Endorsement by company must be done by HR/Finance/Admin/Branch/Dept/Div head with company's stamp with address, name, signature and designation

== Employment Status B - GENERIC (Self Employed) ==
* Rate : 7.25%
* Financing Amount : RM2,000 - RM10,000(MAX)
* Financing Limit : 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-5 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Auto Debit (IBG) or pay over the counter
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# 2 copies of NRIC (both side)
#** Business registration
** 6 months business bank statement (must endorse by bank's officer including the bank's name and bank's official stamped.)
** Form B (Personal Income Tax Declaration)
** Receipt of Tax Payment as proof
#Utility Bill - If the current address doesn't tally with the address in the NRIC.
*'''Supporting Document''' (If necessary):
a) Rental Proceeds (Property):
**Stamped tenancy agreement valid for at least 6 months.
**Latest personal bank statements showing latest 3 consecutive

== Employment Status C - GENERIC (PF-FI) ==
* Rate : 6.99%
* Profit Return : 3.00% (INDICATIVE)
* Financing Amount : RM5,000 - RM15,000(MAX)
* Financing Limit : Up to Max mof 95%
* Financing Tenure : 1-7 years
* Security : Fixed investment(FI) / CASA(Deposit)
* Age :
** Min 21 years old based on Year of Birth
** Max 65 years old (based on year of birth;age at the end of financing should not more than 60 years old) (PF secured FI<65 years old)
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Processing Fee : NIL
** Stamp Duty on :
a) Master Commodity Sale Agreement - Ad velorem(currently is 0.5% of the total financing amount)
b) Letter of Offer -RM 10.00
c) Letter of Set Off -RM 20.00
d) Memorandum of Deposit -RM 30.00
e) Power of Attorney -RM 30.00
f) Folio (6 pages X RM2.00) -RM 12.00
g) Court Registration -RM 10.00
h) Attestation -RM 20.00
i) Revocation of PA -RM 36.00
** Actual cost incurred (payable to commodity supplier) :
a) BURSA Transaction Fee
b) Transfer of Ownership Fee (for Steamcoal)
** Optional
a) Takaful (depends on the amount financing, tenure and age)
b) Standard Will Writing -RM 350.00
* Installment Payment : Auto Debit (IBG) or pay over the counter
* Nationality : Malaysia Citizens / PR Holders

*'''DOCUMENTATION''':
# 2 copies of NRIC (both side)

== Employment Status D - GENERIC (Target Segment) ==
* Rate :
** 2-5 years (7.25%)
** 6-7 years up to (11.99%)
* Financing Amount : RM2,000 - RM15,000(MAX)
* Financing Limit : 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-7 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Auto Debit (IBG) or pay over the counter
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# Latest 1 month payslip
# 1 copies of NRIC (both side)
# Utility Bill -If the current address doesn't tally with the address in the NRIC-Items 1,2&3 (All documents must endorse by HR/Finance/Admin/Branch/Dept-Div Head and endorsement must have company's stamp with address,name,signature and designation)
# Reference letter from HR (if necessary)
# Bank statement showing latest 3 months income credited into bank account (must endorse by bank's officer including the bank's name and bank's official stamped.)
*'''Supporting Document''' (If necessary):
a) Rental Proceeds (Property):
**Stamped tenancy agreement valid for at least 6 months.
**Latest personal bank statements showing latest 3 consecutive

== Employment Status E - GENERIC (BALANCE TRANSFER) ==
* Rate : 7.25% (Income more than 10K-rate:6.5%)
* Financing Amount : RM2,000 - RM15,000(MAX)
* Financing Limit : 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-5 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Auto Debit or pay over the counter
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# Latest Credit Card Statement
# 2 copies of NRIC (both side)
# Utility Bill -If the current address doesn't tally with the address in the NRIC-Items 1,2&3 (All documents must endorse by HR/Finance/Admin/Branch/Dept-Div Head and endorsement must have company's stamp with address,name,signature and designation)
# Bank statement showing latest 3 months income credited into bank account (must endorse by bank's officer including the bank's name and bank's official stamped.)
*'''Supporting Document''' (If necessary):
a) Rental Proceeds (Property):
**Stamped tenancy agreement valid for at least 6 months.
**Latest personal bank statements showing latest 3 consecutive

== Employment Status F - CCSP-SD (Joint Value) ==
* Rate :
** 2-3 years -3.25%
** 4-5 years -4.25%
** 6-10 years -4.75%
** 11-15years -4.95%
* Financing Amount : RM2,000 - RM15,000(MAX)
* Financing Limit : 26 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-15 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old or up to retirement age
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Direct salary deduction from company's
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# Application Form - Employee to complete application form & submit to ARBM Sales Representatives
# 2 copies of NRIC -(both side) with original sighted by ABRM representative
# Salary Slip - most recent salary slip duly endorsed by Company's Human Resources(HR)
# Employment Confirmation - Confirmation from HR on employee's salary & employment status via HR confirmation letter
# Letter of Authorization - Authorization from Employee to ARBM & Company's HR to allow Employer to deduct Employee's monthly salary for installment payment
# Additional Documents -
** Irrevocable instructions
** Letter of Acknowledgement & consent
** Staff Confirmation

Al Rajhi - Mass Market

2012-06-14T06:42:52Z

Admin: /* Employment Status A - GENERIC (employee) */

== Product Criteria ==
* Interest Rate :

== Target Market ==
* Applicants without potongan biro are allowed to apply under this package.
* Self-employed / Own business
* Direct Sales
* Commission Earners
* Insurance Agents

== Al Rajhi Approved Employer ==

=== AEL (Approved Employment Listing) ===
* Needs only 1 month payslip
* Payslip condition must be carbonite / logo(payslip photocopy)
* Bank statement(must have pengesahan from bank officer)
* Payslip without logo - perlu disahkan oleh HR(copy perlu ada 1)nama pic 2)Jawatan 3)nama company/alamat)

=== EEL (E Employment Listing)===
* Do not need to have pengesahan jawatan.
* Foreigner can apply - gaji must be RM15k and above.

===Sdn Bhd Company===
* Needs 3 month payslip
* Needs 3 months bank statement(to show gaji)
* Certain Company must have verification letter(with letter head) address under Alrajhi Bank

== Employment Status A - GENERIC (employee) ==
* Normal Rate: 7.25%
* High Income Rate: 6.50% (Income more than RM10,000)
* Financing Amount: RM2,000 - RM15,000(MAX)
* Financing Limit: 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure: 2-5 years
* Age:
** Min 21 years old based on year of Birth
** Max 55 years old
* Employment Status: Permanent
* Employment Length: Minimum 1 year
* Processing Fee: Waived
* Deduction:
** Transfer Of Ownership: Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty: Min RM10 or 0.5% whichever is higher
** Takaful: Takaful Coverage
* Installment Payment: Auto Debit (IBG) or pay over the counter
* Nationality: Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# Latest 3 month payslip
# 2 copies of NRIC (both side)
# Utility Bill -If the current address doesn't tally with the address in the NRIC-Items 1,2&3 (All documents must endorse by HR/Finance/Admin/Branch/Dept-Div Head and endorsement must have company's stamp with address,name,signature and designation)
# Reference letter from HR (if necessary)
# Bank statement showing latest 3 months income credited into bank account (must endorse by bank's officer including the bank's name and bank's official stamped.)
*'''Supporting Document''' (If necessary):
a) Rental Proceeds (Property):
**Stamped tenancy agreement valid for at least 6 months.
**Latest personal bank statements showing latest 3 consecutive

== Employment Status B - GENERIC (Self Employed) ==
* Rate : 7.25%
* Financing Amount : RM2,000 - RM10,000(MAX)
* Financing Limit : 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-5 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Auto Debit (IBG) or pay over the counter
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# 2 copies of NRIC (both side)
#** Business registration
** 6 months business bank statement (must endorse by bank's officer including the bank's name and bank's official stamped.)
** Form B (Personal Income Tax Declaration)
** Receipt of Tax Payment as proof
#Utility Bill - If the current address doesn't tally with the address in the NRIC.
*'''Supporting Document''' (If necessary):
a) Rental Proceeds (Property):
**Stamped tenancy agreement valid for at least 6 months.
**Latest personal bank statements showing latest 3 consecutive

== Employment Status C - GENERIC (PF-FI) ==
* Rate : 6.99%
* Profit Return : 3.00% (INDICATIVE)
* Financing Amount : RM5,000 - RM15,000(MAX)
* Financing Limit : Up to Max mof 95%
* Financing Tenure : 1-7 years
* Security : Fixed investment(FI) / CASA(Deposit)
* Age :
** Min 21 years old based on Year of Birth
** Max 65 years old (based on year of birth;age at the end of financing should not more than 60 years old) (PF secured FI<65 years old)
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Processing Fee : NIL
** Stamp Duty on :
a) Master Commodity Sale Agreement - Ad velorem(currently is 0.5% of the total financing amount)
b) Letter of Offer -RM 10.00
c) Letter of Set Off -RM 20.00
d) Memorandum of Deposit -RM 30.00
e) Power of Attorney -RM 30.00
f) Folio (6 pages X RM2.00) -RM 12.00
g) Court Registration -RM 10.00
h) Attestation -RM 20.00
i) Revocation of PA -RM 36.00
** Actual cost incurred (payable to commodity supplier) :
a) BURSA Transaction Fee
b) Transfer of Ownership Fee (for Steamcoal)
** Optional
a) Takaful (depends on the amount financing, tenure and age)
b) Standard Will Writing -RM 350.00
* Installment Payment : Auto Debit (IBG) or pay over the counter
* Nationality : Malaysia Citizens / PR Holders

*'''DOCUMENTATION''':
# 2 copies of NRIC (both side)

== Employment Status D - GENERIC (Target Segment) ==
* Rate :
** 2-5 years (7.25%)
** 6-7 years up to (11.99%)
* Financing Amount : RM2,000 - RM15,000(MAX)
* Financing Limit : 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-7 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Auto Debit (IBG) or pay over the counter
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# Latest 1 month payslip
# 1 copies of NRIC (both side)
# Utility Bill -If the current address doesn't tally with the address in the NRIC-Items 1,2&3 (All documents must endorse by HR/Finance/Admin/Branch/Dept-Div Head and endorsement must have company's stamp with address,name,signature and designation)
# Reference letter from HR (if necessary)
# Bank statement showing latest 3 months income credited into bank account (must endorse by bank's officer including the bank's name and bank's official stamped.)
*'''Supporting Document''' (If necessary):
a) Rental Proceeds (Property):
**Stamped tenancy agreement valid for at least 6 months.
**Latest personal bank statements showing latest 3 consecutive

== Employment Status E - GENERIC (BALANCE TRANSFER) ==
* Rate : 7.25% (Income more than 10K-rate:6.5%)
* Financing Amount : RM2,000 - RM15,000(MAX)
* Financing Limit : 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-5 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Auto Debit or pay over the counter
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# Latest Credit Card Statement
# 2 copies of NRIC (both side)
# Utility Bill -If the current address doesn't tally with the address in the NRIC-Items 1,2&3 (All documents must endorse by HR/Finance/Admin/Branch/Dept-Div Head and endorsement must have company's stamp with address,name,signature and designation)
# Bank statement showing latest 3 months income credited into bank account (must endorse by bank's officer including the bank's name and bank's official stamped.)
*'''Supporting Document''' (If necessary):
a) Rental Proceeds (Property):
**Stamped tenancy agreement valid for at least 6 months.
**Latest personal bank statements showing latest 3 consecutive

== Employment Status F - CCSP-SD (Joint Value) ==
* Rate :
** 2-3 years -3.25%
** 4-5 years -4.25%
** 6-10 years -4.75%
** 11-15years -4.95%
* Financing Amount : RM2,000 - RM15,000(MAX)
* Financing Limit : 26 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-15 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old or up to retirement age
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Direct salary deduction from company's
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# Application Form - Employee to complete application form & submit to ARBM Sales Representatives
# 2 copies of NRIC -(both side) with original sighted by ABRM representative
# Salary Slip - most recent salary slip duly endorsed by Company's Human Resources(HR)
# Employment Confirmation - Confirmation from HR on employee's salary & employment status via HR confirmation letter
# Letter of Authorization - Authorization from Employee to ARBM & Company's HR to allow Employer to deduct Employee's monthly salary for installment payment
# Additional Documents -
** Irrevocable instructions
** Letter of Acknowledgement & consent
** Staff Confirmation

Al Rajhi - Mass Market

2012-06-14T06:40:34Z

Admin: /* Al Rajhi Approved Employer */

== Product Criteria ==
* Interest Rate :

== Target Market ==
* Applicants without potongan biro are allowed to apply under this package.
* Self-employed / Own business
* Direct Sales
* Commission Earners
* Insurance Agents

== Al Rajhi Approved Employer ==

=== AEL (Approved Employment Listing) ===
* Needs only 1 month payslip
* Payslip condition must be carbonite / logo(payslip photocopy)
* Bank statement(must have pengesahan from bank officer)
* Payslip without logo - perlu disahkan oleh HR(copy perlu ada 1)nama pic 2)Jawatan 3)nama company/alamat)

=== EEL (E Employment Listing)===
* Do not need to have pengesahan jawatan.
* Foreigner can apply - gaji must be RM15k and above.

===Sdn Bhd Company===
* Needs 3 month payslip
* Needs 3 months bank statement(to show gaji)
* Certain Company must have verification letter(with letter head) address under Alrajhi Bank

== Employment Status A - GENERIC (employee) ==
* Rate : 7.25% (Income more than 10K-rate:6.5%)
* Financing Amount : RM2,000 - RM15,000(MAX)
* Financing Limit : 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-5 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Auto Debit (IBG) or pay over the counter
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# Latest 3 month payslip
# 2 copies of NRIC (both side)
# Utility Bill -If the current address doesn't tally with the address in the NRIC-Items 1,2&3 (All documents must endorse by HR/Finance/Admin/Branch/Dept-Div Head and endorsement must have company's stamp with address,name,signature and designation)
# Reference letter from HR (if necessary)
# Bank statement showing latest 3 months income credited into bank account (must endorse by bank's officer including the bank's name and bank's official stamped.)
*'''Supporting Document''' (If necessary):
a) Rental Proceeds (Property):
**Stamped tenancy agreement valid for at least 6 months.
**Latest personal bank statements showing latest 3 consecutive

== Employment Status B - GENERIC (Self Employed) ==
* Rate : 7.25%
* Financing Amount : RM2,000 - RM10,000(MAX)
* Financing Limit : 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-5 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Auto Debit (IBG) or pay over the counter
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# 2 copies of NRIC (both side)
#** Business registration
** 6 months business bank statement (must endorse by bank's officer including the bank's name and bank's official stamped.)
** Form B (Personal Income Tax Declaration)
** Receipt of Tax Payment as proof
#Utility Bill - If the current address doesn't tally with the address in the NRIC.
*'''Supporting Document''' (If necessary):
a) Rental Proceeds (Property):
**Stamped tenancy agreement valid for at least 6 months.
**Latest personal bank statements showing latest 3 consecutive

== Employment Status C - GENERIC (PF-FI) ==
* Rate : 6.99%
* Profit Return : 3.00% (INDICATIVE)
* Financing Amount : RM5,000 - RM15,000(MAX)
* Financing Limit : Up to Max mof 95%
* Financing Tenure : 1-7 years
* Security : Fixed investment(FI) / CASA(Deposit)
* Age :
** Min 21 years old based on Year of Birth
** Max 65 years old (based on year of birth;age at the end of financing should not more than 60 years old) (PF secured FI<65 years old)
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Processing Fee : NIL
** Stamp Duty on :
a) Master Commodity Sale Agreement - Ad velorem(currently is 0.5% of the total financing amount)
b) Letter of Offer -RM 10.00
c) Letter of Set Off -RM 20.00
d) Memorandum of Deposit -RM 30.00
e) Power of Attorney -RM 30.00
f) Folio (6 pages X RM2.00) -RM 12.00
g) Court Registration -RM 10.00
h) Attestation -RM 20.00
i) Revocation of PA -RM 36.00
** Actual cost incurred (payable to commodity supplier) :
a) BURSA Transaction Fee
b) Transfer of Ownership Fee (for Steamcoal)
** Optional
a) Takaful (depends on the amount financing, tenure and age)
b) Standard Will Writing -RM 350.00
* Installment Payment : Auto Debit (IBG) or pay over the counter
* Nationality : Malaysia Citizens / PR Holders

*'''DOCUMENTATION''':
# 2 copies of NRIC (both side)

== Employment Status D - GENERIC (Target Segment) ==
* Rate :
** 2-5 years (7.25%)
** 6-7 years up to (11.99%)
* Financing Amount : RM2,000 - RM15,000(MAX)
* Financing Limit : 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-7 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Auto Debit (IBG) or pay over the counter
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# Latest 1 month payslip
# 1 copies of NRIC (both side)
# Utility Bill -If the current address doesn't tally with the address in the NRIC-Items 1,2&3 (All documents must endorse by HR/Finance/Admin/Branch/Dept-Div Head and endorsement must have company's stamp with address,name,signature and designation)
# Reference letter from HR (if necessary)
# Bank statement showing latest 3 months income credited into bank account (must endorse by bank's officer including the bank's name and bank's official stamped.)
*'''Supporting Document''' (If necessary):
a) Rental Proceeds (Property):
**Stamped tenancy agreement valid for at least 6 months.
**Latest personal bank statements showing latest 3 consecutive

== Employment Status E - GENERIC (BALANCE TRANSFER) ==
* Rate : 7.25% (Income more than 10K-rate:6.5%)
* Financing Amount : RM2,000 - RM15,000(MAX)
* Financing Limit : 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-5 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Auto Debit or pay over the counter
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# Latest Credit Card Statement
# 2 copies of NRIC (both side)
# Utility Bill -If the current address doesn't tally with the address in the NRIC-Items 1,2&3 (All documents must endorse by HR/Finance/Admin/Branch/Dept-Div Head and endorsement must have company's stamp with address,name,signature and designation)
# Bank statement showing latest 3 months income credited into bank account (must endorse by bank's officer including the bank's name and bank's official stamped.)
*'''Supporting Document''' (If necessary):
a) Rental Proceeds (Property):
**Stamped tenancy agreement valid for at least 6 months.
**Latest personal bank statements showing latest 3 consecutive

== Employment Status F - CCSP-SD (Joint Value) ==
* Rate :
** 2-3 years -3.25%
** 4-5 years -4.25%
** 6-10 years -4.75%
** 11-15years -4.95%
* Financing Amount : RM2,000 - RM15,000(MAX)
* Financing Limit : 26 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-15 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old or up to retirement age
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Direct salary deduction from company's
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# Application Form - Employee to complete application form & submit to ARBM Sales Representatives
# 2 copies of NRIC -(both side) with original sighted by ABRM representative
# Salary Slip - most recent salary slip duly endorsed by Company's Human Resources(HR)
# Employment Confirmation - Confirmation from HR on employee's salary & employment status via HR confirmation letter
# Letter of Authorization - Authorization from Employee to ARBM & Company's HR to allow Employer to deduct Employee's monthly salary for installment payment
# Additional Documents -
** Irrevocable instructions
** Letter of Acknowledgement & consent
** Staff Confirmation

Main Page

2012-06-14T06:39:47Z

Admin: /* List of Active Packages */

Management Support System Sdn. Bhd. Processing Reference

[[General Guidelines]]

== List of Active Packages ==

* [[MBSB - Waslah]] - [[MBSB Form Filling Guide]] - [[Media:MbsbBancaSample.zip]]
* [[MBSB - Exec-i]]
* [[MBSB - Vaganza]]
* [[MBSB - XChange-i]]
* [[MBSB - Max-i]]
* [[RHB - PENCEN]] - [[RHB Pencen Form Filling Guide for Army]] - [[RHB Pencen Form Filling Guide for JPA]]
* [[Coshare (KFH)]] - [[Coshare (KFH) Form Filling Guide]]
* [[Perdanajaya - Bank Rakyat]]
* [[Kowamas - Bank Rakyat]] - [[Kowamas Bank Rakyat Form Filling Guide]]
* [[Kowamas - Maybank]]
* [[Kobeta - Bank Rakyat]] - [[Kobeta Bank Rakyat Form Filling Guide]]
* [[Ubahsuai]]
* [[Al Rajhi - Mass Market]]
* [[Petronesa - HDM Capital]] - [[Petronesa HDM Form Filling Guide]]
* [[Petronesa - KFH]] - [[Petronesa KFH Form Filling Guide]]
* [[Koputri]] - [[Koputri Form Filling Guide]]
* [[Ikhtiar - KFH]] - [[Ikhtiar KFH Form Filling Guide]]
* [[Ukhwah - MBB]] - [[Ukhwah Form Filling Guide]]
* [[RCE - Yayasan]] - [[RCE Yayasan Form Filling Guide]]

== Inactive Packages ==

* [[MBSB - Perwira-i]] - Temporarily Inactive
* [[Kobeta - Al Rajhi]] - Temporarily Inactive
* [[Kospek - EON]] - Temporarily Inactive
* [[Kospek - Al Rajhi]] - Temporarily Inactive

Mass Market

2012-06-14T06:39:33Z

Admin: moved Mass Market to Al Rajhi - Mass Market

#REDIRECT [[Al Rajhi - Mass Market]]

Al Rajhi - Mass Market

2012-06-14T06:39:33Z

Admin: moved Mass Market to Al Rajhi - Mass Market

== Product Criteria ==
* Interest Rate :

== Target Market ==
* Applicants without potongan biro are allowed to apply under this package.
* Self-employed / Own business
* Direct Sales
* Commission Earners
* Insurance Agents

== Al Rajhi Approved Employer ==

AEL (Approved Employment Listing)
* Needs only 1 month payslip
* Payslip condition must be carbonite / logo(payslip photocopy)
* Bank statement(must have pengesahan from bank officer)
* Payslip without logo - perlu disahkan oleh HR(copy perlu ada 1)nama pic 2)Jawatan 3)nama company/alamat)

EEL (E Employment Listing)
* Do not need to have pengesahan jawatan.
* Foreigner can apply - gaji must be RM15k and above.

Sdn Bhd Company
* Needs 3 month payslip
* Needs 3 months bank statement(to show gaji)
* Certain Company must have verification letter(with letter head) address under Alrajhi Bank

== Employment Status A - GENERIC (employee) ==
* Rate : 7.25% (Income more than 10K-rate:6.5%)
* Financing Amount : RM2,000 - RM15,000(MAX)
* Financing Limit : 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-5 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Auto Debit (IBG) or pay over the counter
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# Latest 3 month payslip
# 2 copies of NRIC (both side)
# Utility Bill -If the current address doesn't tally with the address in the NRIC-Items 1,2&3 (All documents must endorse by HR/Finance/Admin/Branch/Dept-Div Head and endorsement must have company's stamp with address,name,signature and designation)
# Reference letter from HR (if necessary)
# Bank statement showing latest 3 months income credited into bank account (must endorse by bank's officer including the bank's name and bank's official stamped.)
*'''Supporting Document''' (If necessary):
a) Rental Proceeds (Property):
**Stamped tenancy agreement valid for at least 6 months.
**Latest personal bank statements showing latest 3 consecutive

== Employment Status B - GENERIC (Self Employed) ==
* Rate : 7.25%
* Financing Amount : RM2,000 - RM10,000(MAX)
* Financing Limit : 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-5 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Auto Debit (IBG) or pay over the counter
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# 2 copies of NRIC (both side)
#** Business registration
** 6 months business bank statement (must endorse by bank's officer including the bank's name and bank's official stamped.)
** Form B (Personal Income Tax Declaration)
** Receipt of Tax Payment as proof
#Utility Bill - If the current address doesn't tally with the address in the NRIC.
*'''Supporting Document''' (If necessary):
a) Rental Proceeds (Property):
**Stamped tenancy agreement valid for at least 6 months.
**Latest personal bank statements showing latest 3 consecutive

== Employment Status C - GENERIC (PF-FI) ==
* Rate : 6.99%
* Profit Return : 3.00% (INDICATIVE)
* Financing Amount : RM5,000 - RM15,000(MAX)
* Financing Limit : Up to Max mof 95%
* Financing Tenure : 1-7 years
* Security : Fixed investment(FI) / CASA(Deposit)
* Age :
** Min 21 years old based on Year of Birth
** Max 65 years old (based on year of birth;age at the end of financing should not more than 60 years old) (PF secured FI<65 years old)
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Processing Fee : NIL
** Stamp Duty on :
a) Master Commodity Sale Agreement - Ad velorem(currently is 0.5% of the total financing amount)
b) Letter of Offer -RM 10.00
c) Letter of Set Off -RM 20.00
d) Memorandum of Deposit -RM 30.00
e) Power of Attorney -RM 30.00
f) Folio (6 pages X RM2.00) -RM 12.00
g) Court Registration -RM 10.00
h) Attestation -RM 20.00
i) Revocation of PA -RM 36.00
** Actual cost incurred (payable to commodity supplier) :
a) BURSA Transaction Fee
b) Transfer of Ownership Fee (for Steamcoal)
** Optional
a) Takaful (depends on the amount financing, tenure and age)
b) Standard Will Writing -RM 350.00
* Installment Payment : Auto Debit (IBG) or pay over the counter
* Nationality : Malaysia Citizens / PR Holders

*'''DOCUMENTATION''':
# 2 copies of NRIC (both side)

== Employment Status D - GENERIC (Target Segment) ==
* Rate :
** 2-5 years (7.25%)
** 6-7 years up to (11.99%)
* Financing Amount : RM2,000 - RM15,000(MAX)
* Financing Limit : 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-7 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Auto Debit (IBG) or pay over the counter
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# Latest 1 month payslip
# 1 copies of NRIC (both side)
# Utility Bill -If the current address doesn't tally with the address in the NRIC-Items 1,2&3 (All documents must endorse by HR/Finance/Admin/Branch/Dept-Div Head and endorsement must have company's stamp with address,name,signature and designation)
# Reference letter from HR (if necessary)
# Bank statement showing latest 3 months income credited into bank account (must endorse by bank's officer including the bank's name and bank's official stamped.)
*'''Supporting Document''' (If necessary):
a) Rental Proceeds (Property):
**Stamped tenancy agreement valid for at least 6 months.
**Latest personal bank statements showing latest 3 consecutive

== Employment Status E - GENERIC (BALANCE TRANSFER) ==
* Rate : 7.25% (Income more than 10K-rate:6.5%)
* Financing Amount : RM2,000 - RM15,000(MAX)
* Financing Limit : 5 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-5 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Auto Debit or pay over the counter
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# Latest Credit Card Statement
# 2 copies of NRIC (both side)
# Utility Bill -If the current address doesn't tally with the address in the NRIC-Items 1,2&3 (All documents must endorse by HR/Finance/Admin/Branch/Dept-Div Head and endorsement must have company's stamp with address,name,signature and designation)
# Bank statement showing latest 3 months income credited into bank account (must endorse by bank's officer including the bank's name and bank's official stamped.)
*'''Supporting Document''' (If necessary):
a) Rental Proceeds (Property):
**Stamped tenancy agreement valid for at least 6 months.
**Latest personal bank statements showing latest 3 consecutive

== Employment Status F - CCSP-SD (Joint Value) ==
* Rate :
** 2-3 years -3.25%
** 4-5 years -4.25%
** 6-10 years -4.75%
** 11-15years -4.95%
* Financing Amount : RM2,000 - RM15,000(MAX)
* Financing Limit : 26 times salary or customers eligibility & entitlement whichever is lower
* Financing Tenure : 2-15 years
* Age :
** Min 21 years old based on year of Birth
** Max 55 years old or up to retirement age
* Employment Status : Permanent
* Employment Length : Minimum 1 year
* Processing Fess : Waived
* Deduction:
** Transfer Of Ownership : Max RM15 or 0.015 cents PER RM1,000
** Stamp Duty : Min RM10 or 0.5% whichever is higher
** Takaful : Takaful Coverage
* Installment Payment : Direct salary deduction from company's
* Nationality : Malaysia residents with a local residential & local correspondence address

*'''DOCUMENTATION''':
# Application Form - Employee to complete application form & submit to ARBM Sales Representatives
# 2 copies of NRIC -(both side) with original sighted by ABRM representative
# Salary Slip - most recent salary slip duly endorsed by Company's Human Resources(HR)
# Employment Confirmation - Confirmation from HR on employee's salary & employment status via HR confirmation letter
# Letter of Authorization - Authorization from Employee to ARBM & Company's HR to allow Employer to deduct Employee's monthly salary for installment payment
# Additional Documents -
** Irrevocable instructions
** Letter of Acknowledgement & consent
** Staff Confirmation