Internal - User contributions [en]

RHB - PENCEN

2012-05-31T14:18:40Z

Effie: /* Document Required */

== Product Features ==
* Location: Whole Malaysia
* Interest Rate:5.00%
* Payout : Loan Amount Less RM80 - Less Insurance
* Tenure:
**Max- 15 years or Age 70 years (which ever comes first)
**Min- 3 yrs

* Age: Max Age to apply: 66 years 9 months
* Financing Amount: RM5,000 to RM100,000
* Pension Amount: RM750.00 and above

== Computation ==
* Gross Pension - Deduction (house-if any)
**Balance X 50%
**Month (ELIGIBILITY)
*'''Example if cust got house deduction:'''
RM1000.00(Pension Amount) - RM300.00(potongan rumah)
=RM700.00
RM700.00 X 50%
=RM350.00 (Kelayakan)- Refer to repayment table to get loan.
*'''Example if cust no deduction:'''
RM1000.00 X 50%
=RM500.00 (Kelayakan)- Refer to repayment table to get loan.

*'''Insurance Calculation'''
*'''Example to calculate insurance amount:'''
**Age : 55 yrs(Pemohon)
**Tenure : 10 years
**Loan : RM10K
***Factor (refer table) X Loan Amount ÷ 1000.00
***62.23 X 10000.00 ÷ 1000.00'
***Takaful = 622.30

== Document Required ==
* 2 Copies I/C
* 2 Copies Card PENCEN
* 1 Copy Spouse I/C (for male applicant only)
**Sijil Kematian(Jika pemohon duda)
**Sijil Cerai(Jika pemohon sudah bercerai)
* PENCEN Statement
* RHB Islamic Saving Account
* Balu (Tidak perlu I/C Suami)

RHB - PENCEN

2012-05-31T14:07:12Z

Effie: /* Document Required */

== Product Features ==
* Location: Whole Malaysia
* Interest Rate:5.00%
* Payout : Loan Amount Less RM80 - Less Insurance
* Tenure:
**Max- 15 years or Age 70 years (which ever comes first)
**Min- 3 yrs

* Age: Max Age to apply: 66 years 9 months
* Financing Amount: RM5,000 to RM100,000
* Pension Amount: RM750.00 and above

== Computation ==
* Gross Pension - Deduction (house-if any)
**Balance X 50%
**Month (ELIGIBILITY)
*'''Example if cust got house deduction:'''
RM1000.00(Pension Amount) - RM300.00(potongan rumah)
=RM700.00
RM700.00 X 50%
=RM350.00 (Kelayakan)- Refer to repayment table to get loan.
*'''Example if cust no deduction:'''
RM1000.00 X 50%
=RM500.00 (Kelayakan)- Refer to repayment table to get loan.

*'''Insurance Calculation'''
*'''Example to calculate insurance amount:'''
**Age : 55 yrs(Pemohon)
**Tenure : 10 years
**Loan : RM10K
***Factor (refer table) X Loan Amount ÷ 1000.00
***62.23 X 10000.00 ÷ 1000.00'
***Takaful = 622.30

== Document Required ==
* 2 Copies I/C
* 2 Copies Card PENCEN
* 1 Copy Spouse I/C (for male applicant only)
**Sijil Kematian(Jika pemohon duda / balu)
**Sijil Cerai(Jika pemohon sudah bercerai)
* PENCEN Statement
* RHB Islamic Saving Account
* Balu (Tidak perlu I/C Suami)

RHB - PENCEN

2012-05-31T14:07:04Z

Effie: /* Document Required */

== Product Features ==
* Location: Whole Malaysia
* Interest Rate:5.00%
* Payout : Loan Amount Less RM80 - Less Insurance
* Tenure:
**Max- 15 years or Age 70 years (which ever comes first)
**Min- 3 yrs

* Age: Max Age to apply: 66 years 9 months
* Financing Amount: RM5,000 to RM100,000
* Pension Amount: RM750.00 and above

== Computation ==
* Gross Pension - Deduction (house-if any)
**Balance X 50%
**Month (ELIGIBILITY)
*'''Example if cust got house deduction:'''
RM1000.00(Pension Amount) - RM300.00(potongan rumah)
=RM700.00
RM700.00 X 50%
=RM350.00 (Kelayakan)- Refer to repayment table to get loan.
*'''Example if cust no deduction:'''
RM1000.00 X 50%
=RM500.00 (Kelayakan)- Refer to repayment table to get loan.

*'''Insurance Calculation'''
*'''Example to calculate insurance amount:'''
**Age : 55 yrs(Pemohon)
**Tenure : 10 years
**Loan : RM10K
***Factor (refer table) X Loan Amount ÷ 1000.00
***62.23 X 10000.00 ÷ 1000.00'
***Takaful = 622.30

== Document Required ==
* 2 Copies I/C
* 2 Copies Card PENCEN
* 1 Copy Spouse I/C (for male applicant only)
**Sijil Kematian(Jika pemohon duda / balu)
**Sijil Cerai(Jika pemohon sudah bercerai)
* PENCEN Statement
* RHB Islamic Saving Account
* Balu ( tidak perlu I/C Suami)

RHB - PENCEN

2012-05-31T14:05:27Z

Effie: /* Computation */

== Product Features ==
* Location: Whole Malaysia
* Interest Rate:5.00%
* Payout : Loan Amount Less RM80 - Less Insurance
* Tenure:
**Max- 15 years or Age 70 years (which ever comes first)
**Min- 3 yrs

* Age: Max Age to apply: 66 years 9 months
* Financing Amount: RM5,000 to RM100,000
* Pension Amount: RM750.00 and above

== Computation ==
* Gross Pension - Deduction (house-if any)
**Balance X 50%
**Month (ELIGIBILITY)
*'''Example if cust got house deduction:'''
RM1000.00(Pension Amount) - RM300.00(potongan rumah)
=RM700.00
RM700.00 X 50%
=RM350.00 (Kelayakan)- Refer to repayment table to get loan.
*'''Example if cust no deduction:'''
RM1000.00 X 50%
=RM500.00 (Kelayakan)- Refer to repayment table to get loan.

*'''Insurance Calculation'''
*'''Example to calculate insurance amount:'''
**Age : 55 yrs(Pemohon)
**Tenure : 10 years
**Loan : RM10K
***Factor (refer table) X Loan Amount ÷ 1000.00
***62.23 X 10000.00 ÷ 1000.00'
***Takaful = 622.30

== Document Required ==
* 2 Copies I/C
* 2 Copies Card PENCEN
* 1 Copy Spouse I/C (for male applicant only)
**Sijil Kematian
**Sijil Cerai
* PENCEN Statement
* RHB Islamic Saving Account

RHB - PENCEN

2012-05-31T13:14:44Z

Effie: /* Computation */

== Product Features ==
* Location: Whole Malaysia
* Interest Rate:5.00%
* Payout : Loan Amount Less RM80 - Less Insurance
* Tenure:
**Max- 15 years or Age 70 years (which ever comes first)
**Min- 3 yrs

* Age: Max Age to apply: 66 years 9 months
* Financing Amount: RM5,000 to RM100,000
* Pension Amount: RM750.00 and above

== Computation ==
* Gross Pension - Deduction (house-if any)
**Balance X 50%
**Month (ELIGIBILITY)
*'''Example if cust got house deduction:'''
RM1000.00(Pension Amount) - RM300.00(potongan rumah)
=RM700.00
RM700.00 X 50%
=RM350.00 (Kelayakan)- Refer to repayment table to get loan.
*'''Example if cust no deduction:'''
RM1000.00 X 50%
=RM500.00 (Kelayakan)- Refer to repayment table to get loan.

*'''Insurance Calculation'''
*'''Example to calculate insurance amount:'''
**Age : 55 yrs
**Tenure : 10 years
**Loan : RM10K
***Factor (refer table) X Loan Amount ÷ 1000.00
***91.61 X 10000.00 ÷ 1000.00'
***Takaful = 916.10

== Document Required ==
* 2 Copies I/C
* 2 Copies Card PENCEN
* 1 Copy Spouse I/C (for male applicant only)
**Sijil Kematian
**Sijil Cerai
* PENCEN Statement
* RHB Islamic Saving Account

RHB - PENCEN

2012-05-31T13:14:29Z

Effie: /* Computation */

== Product Features ==
* Location: Whole Malaysia
* Interest Rate:5.00%
* Payout : Loan Amount Less RM80 - Less Insurance
* Tenure:
**Max- 15 years or Age 70 years (which ever comes first)
**Min- 3 yrs

* Age: Max Age to apply: 66 years 9 months
* Financing Amount: RM5,000 to RM100,000
* Pension Amount: RM750.00 and above

== Computation ==
* Gross Pension - Deduction (house-if any)
**Balance X 50%
**Month (ELIGIBILITY)
*'''Example if cust got house deduction:'''
RM1000.00(Pension Amount) - RM300.00(potongan rumah)
=RM700.00
RM700.00 X 50%
=RM350.00 (Kelayakan)- Refer to repayment table to get loan.
*'''Example if cust no deduction:'''
RM1000.00 X 50%
=RM500.00 (Kelayakan)- Refer to repayment table to get loan.

*'''Insurance Calculation'''
*'''Example to calculate insurance amount:'''
*Age : 55 yrs
*Tenure : 10 years
*Loan : RM10K
****Factor (refer table) X Loan Amount ÷ 1000.00
****91.61 X 10000.00 ÷ 1000.00'
****Takaful = 916.10

== Document Required ==
* 2 Copies I/C
* 2 Copies Card PENCEN
* 1 Copy Spouse I/C (for male applicant only)
**Sijil Kematian
**Sijil Cerai
* PENCEN Statement
* RHB Islamic Saving Account

RHB - PENCEN

2012-05-31T13:13:37Z

Effie: /* Computation */

== Product Features ==
* Location: Whole Malaysia
* Interest Rate:5.00%
* Payout : Loan Amount Less RM80 - Less Insurance
* Tenure:
**Max- 15 years or Age 70 years (which ever comes first)
**Min- 3 yrs

* Age: Max Age to apply: 66 years 9 months
* Financing Amount: RM5,000 to RM100,000
* Pension Amount: RM750.00 and above

== Computation ==
* Gross Pension - Deduction (house-if any)
**Balance X 50%
**Month (ELIGIBILITY)
*'''Example if cust got house deduction:'''
RM1000.00(Pension Amount) - RM300.00(potongan rumah)
=RM700.00
RM700.00 X 50%
=RM350.00 (Kelayakan)- Refer to repayment table to get loan.
*'''Example if cust no deduction:'''
RM1000.00 X 50%
=RM500.00 (Kelayakan)- Refer to repayment table to get loan.

*'''Insurance Calculation'''
*'''Example to calculate insurance amount:'''
**Age : 55 yrs
**Tenure : 10 years
**Loan : RM10K
****Factor (refer table) X Loan Amount ÷ 1000.00
****91.61 X 10000.00 ÷ 1000.00'
****Takaful = 916.10

== Document Required ==
* 2 Copies I/C
* 2 Copies Card PENCEN
* 1 Copy Spouse I/C (for male applicant only)
**Sijil Kematian
**Sijil Cerai
* PENCEN Statement
* RHB Islamic Saving Account

RHB - PENCEN

2012-05-31T13:13:22Z

Effie: /* Computation */

== Product Features ==
* Location: Whole Malaysia
* Interest Rate:5.00%
* Payout : Loan Amount Less RM80 - Less Insurance
* Tenure:
**Max- 15 years or Age 70 years (which ever comes first)
**Min- 3 yrs

* Age: Max Age to apply: 66 years 9 months
* Financing Amount: RM5,000 to RM100,000
* Pension Amount: RM750.00 and above

== Computation ==
* Gross Pension - Deduction (house-if any)
**Balance X 50%
**Month (ELIGIBILITY)
*'''Example if cust got house deduction:'''
RM1000.00(Pension Amount) - RM300.00(potongan rumah)
=RM700.00
RM700.00 X 50%
=RM350.00 (Kelayakan)- Refer to repayment table to get loan.
*'''Example if cust no deduction:'''
RM1000.00 X 50%
=RM500.00 (Kelayakan)- Refer to repayment table to get loan.

*'''Insurance Calculation'''
*'''Example to calculate insurance amount:'''
**Age : 55 yrs
**Tenure : 10 years
**Loan : RM10K
Factor (refer table) X Loan Amount ÷ 1000.00
91.61 X 10000.00 ÷ 1000.00'
Takaful = 916.10

== Document Required ==
* 2 Copies I/C
* 2 Copies Card PENCEN
* 1 Copy Spouse I/C (for male applicant only)
**Sijil Kematian
**Sijil Cerai
* PENCEN Statement
* RHB Islamic Saving Account

RHB - PENCEN

2012-05-31T13:13:02Z

Effie: /* Computation */

== Product Features ==
* Location: Whole Malaysia
* Interest Rate:5.00%
* Payout : Loan Amount Less RM80 - Less Insurance
* Tenure:
**Max- 15 years or Age 70 years (which ever comes first)
**Min- 3 yrs

* Age: Max Age to apply: 66 years 9 months
* Financing Amount: RM5,000 to RM100,000
* Pension Amount: RM750.00 and above

== Computation ==
* Gross Pension - Deduction (house-if any)
**Balance X 50%
**Month (ELIGIBILITY)
*'''Example if cust got house deduction:'''
RM1000.00(Pension Amount) - RM300.00(potongan rumah)
=RM700.00
RM700.00 X 50%
=RM350.00 (Kelayakan)- Refer to repayment table to get loan.
*'''Example if cust no deduction:'''
RM1000.00 X 50%
=RM500.00 (Kelayakan)- Refer to repayment table to get loan.

*'''Insurance Calculation'''
*'''Example to calculate insurance amount:'''
**Age : 55 yrs
**Tenure : 10 years
**Loan : RM10K

*'Factor (refer table) X Loan Amount ÷ 1000.00'
*'91.61 X 10000.00 ÷ 1000.00'
*'Takaful = 916.10'

== Document Required ==
* 2 Copies I/C
* 2 Copies Card PENCEN
* 1 Copy Spouse I/C (for male applicant only)
**Sijil Kematian
**Sijil Cerai
* PENCEN Statement
* RHB Islamic Saving Account

RHB - PENCEN

2012-05-31T13:12:47Z

Effie: /* Computation */

== Product Features ==
* Location: Whole Malaysia
* Interest Rate:5.00%
* Payout : Loan Amount Less RM80 - Less Insurance
* Tenure:
**Max- 15 years or Age 70 years (which ever comes first)
**Min- 3 yrs

* Age: Max Age to apply: 66 years 9 months
* Financing Amount: RM5,000 to RM100,000
* Pension Amount: RM750.00 and above

== Computation ==
* Gross Pension - Deduction (house-if any)
**Balance X 50%
**Month (ELIGIBILITY)
*'''Example if cust got house deduction:'''
RM1000.00(Pension Amount) - RM300.00(potongan rumah)
=RM700.00
RM700.00 X 50%
=RM350.00 (Kelayakan)- Refer to repayment table to get loan.
*'''Example if cust no deduction:'''
RM1000.00 X 50%
=RM500.00 (Kelayakan)- Refer to repayment table to get loan.

*'''Insurance Calculation'''
*'''Example to calculate insurance amount:'''
**Age : 55 yrs
**Tenure : 10 years
**Loan : RM10K

'Factor (refer table) X Loan Amount ÷ 1000.00'
'91.61 X 10000.00 ÷ 1000.00'
'Takaful = 916.10'

== Document Required ==
* 2 Copies I/C
* 2 Copies Card PENCEN
* 1 Copy Spouse I/C (for male applicant only)
**Sijil Kematian
**Sijil Cerai
* PENCEN Statement
* RHB Islamic Saving Account

RHB - PENCEN

2012-05-31T13:12:37Z

Effie: /* Computation */

== Product Features ==
* Location: Whole Malaysia
* Interest Rate:5.00%
* Payout : Loan Amount Less RM80 - Less Insurance
* Tenure:
**Max- 15 years or Age 70 years (which ever comes first)
**Min- 3 yrs

* Age: Max Age to apply: 66 years 9 months
* Financing Amount: RM5,000 to RM100,000
* Pension Amount: RM750.00 and above

== Computation ==
* Gross Pension - Deduction (house-if any)
**Balance X 50%
**Month (ELIGIBILITY)
*'''Example if cust got house deduction:'''
RM1000.00(Pension Amount) - RM300.00(potongan rumah)
=RM700.00
RM700.00 X 50%
=RM350.00 (Kelayakan)- Refer to repayment table to get loan.
*'''Example if cust no deduction:'''
RM1000.00 X 50%
=RM500.00 (Kelayakan)- Refer to repayment table to get loan.

*'''Insurance Calculation'''
*'''Example to calculate insurance amount:'''
**Age : 55 yrs
**Tenure : 10 years
**Loan : RM10K

'Factor (refer table) X Loan Amount ÷ 1000.00
'91.61 X 10000.00 ÷ 1000.00
'Takaful = 916.10

== Document Required ==
* 2 Copies I/C
* 2 Copies Card PENCEN
* 1 Copy Spouse I/C (for male applicant only)
**Sijil Kematian
**Sijil Cerai
* PENCEN Statement
* RHB Islamic Saving Account

RHB - PENCEN

2012-05-31T13:12:18Z

Effie: /* Computation */

== Product Features ==
* Location: Whole Malaysia
* Interest Rate:5.00%
* Payout : Loan Amount Less RM80 - Less Insurance
* Tenure:
**Max- 15 years or Age 70 years (which ever comes first)
**Min- 3 yrs

* Age: Max Age to apply: 66 years 9 months
* Financing Amount: RM5,000 to RM100,000
* Pension Amount: RM750.00 and above

== Computation ==
* Gross Pension - Deduction (house-if any)
**Balance X 50%
**Month (ELIGIBILITY)
*'''Example if cust got house deduction:'''
RM1000.00(Pension Amount) - RM300.00(potongan rumah)
=RM700.00
RM700.00 X 50%
=RM350.00 (Kelayakan)- Refer to repayment table to get loan.
*'''Example if cust no deduction:'''
RM1000.00 X 50%
=RM500.00 (Kelayakan)- Refer to repayment table to get loan.

*'''Insurance Calculation'''
*'''Example to calculate insurance amount:'''
**Age : 55 yrs
**Tenure : 10 years
**Loan : RM10K

Factor (refer table) X Loan Amount ÷ 1000.00
91.61 X 10000.00 ÷ 1000.00
Takaful = 916.10

== Document Required ==
* 2 Copies I/C
* 2 Copies Card PENCEN
* 1 Copy Spouse I/C (for male applicant only)
**Sijil Kematian
**Sijil Cerai
* PENCEN Statement
* RHB Islamic Saving Account

RHB - PENCEN

2012-05-31T13:11:49Z

Effie: /* Computation */

== Product Features ==
* Location: Whole Malaysia
* Interest Rate:5.00%
* Payout : Loan Amount Less RM80 - Less Insurance
* Tenure:
**Max- 15 years or Age 70 years (which ever comes first)
**Min- 3 yrs

* Age: Max Age to apply: 66 years 9 months
* Financing Amount: RM5,000 to RM100,000
* Pension Amount: RM750.00 and above

== Computation ==
* Gross Pension - Deduction (house-if any)
**Balance X 50%
**Month (ELIGIBILITY)
*'''Example if cust got house deduction:'''
RM1000.00(Pension Amount) - RM300.00(potongan rumah)
=RM700.00
RM700.00 X 50%
=RM350.00 (Kelayakan)- Refer to repayment table to get loan.
*'''Example if cust no deduction:'''
RM1000.00 X 50%
=RM500.00 (Kelayakan)- Refer to repayment table to get loan.

*'''Insurance Calculation'''
*'''Example to calculate insurance amount:'''
**Age : 55 yrs
**Tenure : 10 years
**Loan : RM10K

***Factor (refer table) X Loan Amount ÷ 1000.00
***91.61 X 10000.00 ÷ 1000.00
***Takaful = 916.10

== Document Required ==
* 2 Copies I/C
* 2 Copies Card PENCEN
* 1 Copy Spouse I/C (for male applicant only)
**Sijil Kematian
**Sijil Cerai
* PENCEN Statement
* RHB Islamic Saving Account

RHB - PENCEN

2012-05-31T13:10:14Z

Effie: /* Computation */

== Product Features ==
* Location: Whole Malaysia
* Interest Rate:5.00%
* Payout : Loan Amount Less RM80 - Less Insurance
* Tenure:
**Max- 15 years or Age 70 years (which ever comes first)
**Min- 3 yrs

* Age: Max Age to apply: 66 years 9 months
* Financing Amount: RM5,000 to RM100,000
* Pension Amount: RM750.00 and above

== Computation ==
* Gross Pension - Deduction (house-if any)
**Balance X 50%
**Month (ELIGIBILITY)
*'''Example if cust got house deduction:'''
RM1000.00(Pension Amount) - RM300.00(potongan rumah)
=RM700.00
RM700.00 X 50%
=RM350.00 (Kelayakan)- Refer to repayment table to get loan.
*'''Example if cust no deduction:'''
RM1000.00 X 50%
=RM500.00 (Kelayakan)- Refer to repayment table to get loan.

*'''Insurance Calculation'''
*'''Example to calculate insurance amount:'''
**Age : 55 yrs
**Tenure : 10 years
**Loan : RM10K

***Factor (refer table) X Loan Amount <math>divide</math> 1000.00
>>91.61 X 10000.00 divide 1000.00
>>Takaful = 916.10

== Document Required ==
* 2 Copies I/C
* 2 Copies Card PENCEN
* 1 Copy Spouse I/C (for male applicant only)
**Sijil Kematian
**Sijil Cerai
* PENCEN Statement
* RHB Islamic Saving Account

RHB - PENCEN

2012-05-31T13:09:20Z

Effie: /* Computation */

== Product Features ==
* Location: Whole Malaysia
* Interest Rate:5.00%
* Payout : Loan Amount Less RM80 - Less Insurance
* Tenure:
**Max- 15 years or Age 70 years (which ever comes first)
**Min- 3 yrs

* Age: Max Age to apply: 66 years 9 months
* Financing Amount: RM5,000 to RM100,000
* Pension Amount: RM750.00 and above

== Computation ==
* Gross Pension - Deduction (house-if any)
**Balance X 50%
**Month (ELIGIBILITY)
*'''Example if cust got house deduction:'''
RM1000.00(Pension Amount) - RM300.00(potongan rumah)
=RM700.00
RM700.00 X 50%
=RM350.00 (Kelayakan)- Refer to repayment table to get loan.
*'''Example if cust no deduction:'''
RM1000.00 X 50%
=RM500.00 (Kelayakan)- Refer to repayment table to get loan.

*'''Insurance Calculation'''
*'''Example to calculate insurance amount:'''
**Age : 55 yrs
**Tenure : 10 years
**Loan : RM10K

***Factor (refer table) X Loan Amount divide 1000.00
>>91.61 X 10000.00 divide 1000.00
>>Takaful = 916.10

== Document Required ==
* 2 Copies I/C
* 2 Copies Card PENCEN
* 1 Copy Spouse I/C (for male applicant only)
**Sijil Kematian
**Sijil Cerai
* PENCEN Statement
* RHB Islamic Saving Account

RHB - PENCEN

2012-05-31T13:08:54Z

Effie: /* Computation */

== Product Features ==
* Location: Whole Malaysia
* Interest Rate:5.00%
* Payout : Loan Amount Less RM80 - Less Insurance
* Tenure:
**Max- 15 years or Age 70 years (which ever comes first)
**Min- 3 yrs

* Age: Max Age to apply: 66 years 9 months
* Financing Amount: RM5,000 to RM100,000
* Pension Amount: RM750.00 and above

== Computation ==
* Gross Pension - Deduction (house-if any)
**Balance X 50%
**Month (ELIGIBILITY)
*'''Example if cust got house deduction:'''
RM1000.00(Pension Amount) - RM300.00(potongan rumah)
=RM700.00
RM700.00 X 50%
=RM350.00 (Kelayakan)- Refer to repayment table to get loan.
*'''Example if cust no deduction:'''
RM1000.00 X 50%
=RM500.00 (Kelayakan)- Refer to repayment table to get loan.

*'''Insurance Calculation'''
*''Example to calculate insurance amount:''
**Age : 55 yrs
**Tenure : 10 years
**Loan : RM10K

>>Factor (refer table) X Loan Amount divide 1000.00
>>91.61 X 10000.00 divide 1000.00
>>Takaful = 916.10

== Document Required ==
* 2 Copies I/C
* 2 Copies Card PENCEN
* 1 Copy Spouse I/C (for male applicant only)
**Sijil Kematian
**Sijil Cerai
* PENCEN Statement
* RHB Islamic Saving Account

RHB - PENCEN

2012-05-31T13:08:37Z

Effie:

== Product Features ==
* Location: Whole Malaysia
* Interest Rate:5.00%
* Payout : Loan Amount Less RM80 - Less Insurance
* Tenure:
**Max- 15 years or Age 70 years (which ever comes first)
**Min- 3 yrs

* Age: Max Age to apply: 66 years 9 months
* Financing Amount: RM5,000 to RM100,000
* Pension Amount: RM750.00 and above

== Computation ==
* Gross Pension - Deduction (house-if any)
**Balance X 50%
**Month (ELIGIBILITY)
*'''Example if cust got house deduction:'''
RM1000.00(Pension Amount) - RM300.00(potongan rumah)
=RM700.00
RM700.00 X 50%
=RM350.00 (Kelayakan)- Refer to repayment table to get loan.
*'''Example if cust no deduction:'''
RM1000.00 X 50%
=RM500.00 (Kelayakan)- Refer to repayment table to get loan.

*'''Insurance Calculation'''
*'''Example to calculate insurance amount:'''
**Age : 55 yrs
**Tenure : 10 years
**Loan : RM10K

>>Factor (refer table) X Loan Amount divide 1000.00
>>91.61 X 10000.00 divide 1000.00
>>Takaful = 916.10

== Document Required ==
* 2 Copies I/C
* 2 Copies Card PENCEN
* 1 Copy Spouse I/C (for male applicant only)
**Sijil Kematian
**Sijil Cerai
* PENCEN Statement
* RHB Islamic Saving Account

MBSB - XChange-i

2012-01-12T15:46:14Z

Effie: /* Special Requirement */

== EARLY BIRD PROMOTION !!! ==
* Interest Rate : '''3.99%'''
* Package Validity : 1st January 2012 - 31st March 2012; or
* upon achieving RM1.0 Billion in disbursement amount
* PLEASE NOTE THAT AFTER EITHER ONE OF THE ABOVE HAS OVERRIDE THE INTEREST RATE WILL GO TO 4.30% AND 4.5%

== Product Features ==
* Area Covered: East Malaysia and West Malaysia
* Package Validity : 6th January 2012 - 31st December 2012
* Interest Rate:
** With Banca Takaful : 4.30% - minimum deduction for BANCA TAKAFUL is RM650(13 months) - to be renew every year by customer
** Without Banca Takaful : 4.50%
* Payout: 98% - 1 month installment - RM650(with BANCA TAKAFUL)- RM434(Incidental charges include ARB RM350)
* Tenure: Min 5 years - Max 20 years
* Finance: '''Min RM50,000 to RM200,000'''
* Salary: RM700 and above only
* Age: 19 years and above
* Expired Facility: 60 years old(opsyen letter)
* Tat: 7 working days
* 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

== Special Requirement==
* Customer must overlap at least 1 settlement, but not from MBSB. The settlement amount must be at least RM50,000. If customer has more than 1 account, the total accumulated amount must be more than RM50,000.
* 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.

== Refund Of Redemption Statement Charges ==

* Charges on Redemption Statement(RS) Imposed by other banks - RM50.00 per RS; up to 5 RS per application(reimbursement basis)
''***Important : Redemption Statement must reflect a rebate amount from existing financier''

== Payslip Expiry Date ==
Payslip will expire every 20th.
Example:
* February payslip will expire on the 20th April.
* March payslip will expire on the 20th May

== 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

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

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

MBSB - XChange-i

2012-01-12T15:46:03Z

Effie: /* Special Requirement */

== EARLY BIRD PROMOTION !!! ==
* Interest Rate : '''3.99%'''
* Package Validity : 1st January 2012 - 31st March 2012; or
* upon achieving RM1.0 Billion in disbursement amount
* PLEASE NOTE THAT AFTER EITHER ONE OF THE ABOVE HAS OVERRIDE THE INTEREST RATE WILL GO TO 4.30% AND 4.5%

== Product Features ==
* Area Covered: East Malaysia and West Malaysia
* Package Validity : 6th January 2012 - 31st December 2012
* Interest Rate:
** With Banca Takaful : 4.30% - minimum deduction for BANCA TAKAFUL is RM650(13 months) - to be renew every year by customer
** Without Banca Takaful : 4.50%
* Payout: 98% - 1 month installment - RM650(with BANCA TAKAFUL)- RM434(Incidental charges include ARB RM350)
* Tenure: Min 5 years - Max 20 years
* Finance: '''Min RM50,000 to RM200,000'''
* Salary: RM700 and above only
* Age: 19 years and above
* Expired Facility: 60 years old(opsyen letter)
* Tat: 7 working days
* 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

== Special Requirement==
* Customer must overlap at least 1 settlement, but not from MBSB. The settlement amount must be at least RM50,000. IF customer has more than 1 account, the total accumulated amount must be more than RM50,000.
* 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.

== Refund Of Redemption Statement Charges ==

* Charges on Redemption Statement(RS) Imposed by other banks - RM50.00 per RS; up to 5 RS per application(reimbursement basis)
''***Important : Redemption Statement must reflect a rebate amount from existing financier''

== Payslip Expiry Date ==
Payslip will expire every 20th.
Example:
* February payslip will expire on the 20th April.
* March payslip will expire on the 20th May

== 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

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

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

MBSB - XChange-i

2012-01-12T15:17:37Z

Effie: /* Special Requirement */

== EARLY BIRD PROMOTION !!! ==
* Interest Rate : '''3.99%'''
* Package Validity : 1st January 2012 - 31st March 2012; or
* upon achieving RM1.0 Billion in disbursement amount
* PLEASE NOTE THAT AFTER EITHER ONE OF THE ABOVE HAS OVERRIDE THE INTEREST RATE WILL GO TO 4.30% AND 4.5%

== Product Features ==
* Area Covered: East Malaysia and West Malaysia
* Package Validity : 6th January 2012 - 31st December 2012
* Interest Rate:
** With Banca Takaful : 4.30% - minimum deduction for BANCA TAKAFUL is RM650(13 months) - to be renew every year by customer
** Without Banca Takaful : 4.50%
* Payout: 98% - 1 month installment - RM650(with BANCA TAKAFUL)- RM434(Incidental charges include ARB RM350)
* Tenure: Min 5 years - Max 20 years
* Finance: '''Min RM50,000 to RM200,000'''
* Salary: RM700 and above only
* Age: 19 years and above
* Expired Facility: 60 years old(opsyen letter)
* Tat: 7 working days
* 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

== Special Requirement==
* Customer must overlap at least 1 settlement, but not from MBSB. The settlement amount must be at least RM50,000
* 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.

== Refund Of Redemption Statement Charges ==

* Charges on Redemption Statement(RS) Imposed by other banks - RM50.00 per RS; up to 5 RS per application(reimbursement basis)
''***Important : Redemption Statement must reflect a rebate amount from existing financier''

== Payslip Expiry Date ==
Payslip will expire every 20th.
Example:
* February payslip will expire on the 20th April.
* March payslip will expire on the 20th May

== 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

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

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

Kowamas - Maybank

2012-01-11T15:13:09Z

Effie: /* Factor */

== Product Features ==
* Interest Rate & Payout:
{| class="wikitable" style="text-align:center"
! Years !! Rate !! Payout
|-
! 1 - 2
| 4.99% || 95% -SAHAM(RM200.00) - FEE(RM50) - DUTI SETEM(RM10) - PROSES(RM100.00) - YURAN 6 BULAN(RM180) - 1 MONTH INSTALLMENT
|-
! 3 - 10
| 5.20% || 95% -SAHAM(RM200.00) - FEE(RM50) - DUTI SETEM(RM10) - PROSES(RM100.00) - YURAN 6 BULAN(RM180) - 1 MONTH INSTALLMENT
|-
! 11 - 15
| 5.60% || 94% -SAHAM(RM200.00) - FEE(RM50) - DUTI SETEM(RM10) - PROSES(RM100.00) - YURAN 6 BULAN(RM180) - 1 MONTH INSTALLMENT
|-
! 16 - 20
| 5.60% || 93% -SAHAM(RM200.00) - FEE(RM50) - DUTI SETEM(RM10) - PROSES(RM100.00) - YURAN 6 BULAN(RM180) - 1 MONTH INSTALLMENT
|}

* Tenure: Min 1 years - Max 20 years
* Finance: Min RM3,000 to RM200,000
* Salary: RM1,000 and above only
# RM1,500(termasuk elaun tetap;untuk Kakitangan Pharmaniaga Logistics Berhad dan anak syarikatnya sahaja)
* Age: 19 years and above
* Expired Facility: 58 years old
* Eligible Criteria:
** Tetap
** Tetap dalam Percubaan (Kakitangan Kerajaan Sahaja)
** Jawatan Kontrak (REJECT)- Kecuali guru tabika (kemas) mesti bekerja 5 tahun ke atas dan had pinjaman 15 tahun sahaja
* Yuran: 30
* CTOS: Setiap satu akaun CTOS tidak melebihi RM25,000 dengan jumlah keseluruhan tidak melebihi RM50,000

== Factor ==

{| class="wikitable" style="text-align:center"
! Years !! Month !! Factor !! Rate
|-
! 1
| 12 || 106.50% || 4.99%
|-
! 2
| 24 || 113.00% || 4.99%
|-
! 3
| 36 || 119.50% || 5.20%
|-
! 4
| 48 || 126.00% || 5.20%
|-
! 5
| 60 || 132.50% || 5.20%
|-
! 6
| 72 || 139.00% || 5.20%
|-
! 7
| 84 || 145.50% || 5.20%
|-
! 8
| 96 || 152.00% || 5.20%
|-
! 9
| 108 || 158.50% || 5.20%
|-
! 10
| 120 || 165.00% || 5.20%
|-
! 11
| 132 || 171.50% || 5.40%
|-
! 12
| 144 || 178.00% || 5.40%
|-
! 13
| 156 || 184.50% || 5.40%
|-
! 14
| 168 || 191.00% || 5.40%
|-
! 15
| 180 || 197.50% || 5.40%
|-
! 16
| 192 || 204.00% || 5.60%
|-
! 17
| 204 || 210.50% || 5.60%
|-
! 18
| 216 || 217.00% || 5.60%
|-
! 19
| 228 || 223.50% || 5.60%
|-
! 20
| 240 || 230.00% || 5.60%
|}

* LOAN ELIGIBLE = DEDUCTION x MONTH / Factor

Kowamas - Maybank

2012-01-11T15:07:55Z

Effie: /* Factor */

== Product Features ==
* Interest Rate & Payout:
{| class="wikitable" style="text-align:center"
! Years !! Rate !! Payout
|-
! 1 - 2
| 4.99% || 95% -SAHAM(RM200.00) - FEE(RM50) - DUTI SETEM(RM10) - PROSES(RM100.00) - YURAN 6 BULAN(RM180) - 1 MONTH INSTALLMENT
|-
! 3 - 10
| 5.20% || 95% -SAHAM(RM200.00) - FEE(RM50) - DUTI SETEM(RM10) - PROSES(RM100.00) - YURAN 6 BULAN(RM180) - 1 MONTH INSTALLMENT
|-
! 11 - 15
| 5.60% || 94% -SAHAM(RM200.00) - FEE(RM50) - DUTI SETEM(RM10) - PROSES(RM100.00) - YURAN 6 BULAN(RM180) - 1 MONTH INSTALLMENT
|-
! 16 - 20
| 5.60% || 93% -SAHAM(RM200.00) - FEE(RM50) - DUTI SETEM(RM10) - PROSES(RM100.00) - YURAN 6 BULAN(RM180) - 1 MONTH INSTALLMENT
|}

* Tenure: Min 1 years - Max 20 years
* Finance: Min RM3,000 to RM200,000
* Salary: RM1,000 and above only
# RM1,500(termasuk elaun tetap;untuk Kakitangan Pharmaniaga Logistics Berhad dan anak syarikatnya sahaja)
* Age: 19 years and above
* Expired Facility: 58 years old
* Eligible Criteria:
** Tetap
** Tetap dalam Percubaan (Kakitangan Kerajaan Sahaja)
** Jawatan Kontrak (REJECT)- Kecuali guru tabika (kemas) mesti bekerja 5 tahun ke atas dan had pinjaman 15 tahun sahaja
* Yuran: 30
* CTOS: Setiap satu akaun CTOS tidak melebihi RM25,000 dengan jumlah keseluruhan tidak melebihi RM50,000

== Factor ==

{| class="wikitable" style="text-align:center"
! Years !! Month !! Factor !! Rate
|-
! 1
| 12 || 106.50% || 4.99%
|-
! 2
| 24 || 113.00% || 4.99%
|-
! 3
| 36 || 28.99
|-
! 4
| 48 || 37.60
|-
! 5
| 60 || 45.51
|-
! 6
| 72 || 52.81
|-
! 7
| 84 || 59.58
|-
! 8
| 96 || 65.86
|-
! 9
| 108 || 71.71
|-
! 10
| 120 || 77.18
|-
! 11
| 132 || 82.28
|-
! 12
| 144 || 87.08
|-
! 13
| 156 || 91.58
|-
! 14
| 168 || 95.81
|-
! 15
| 180 || 99.81
|-
! 16
| 192 || 103.58
|-
! 17
| 204 || 107.15
|-
! 18
| 216 || 110.53
|-
! 19
| 228 || 113.74
|-
! 20
| 240 || 116.78
|}

* LOAN ELIGIBLE = DEDUCTION x FACTOR
* IN HAND = LOAN ELIGIBLE x 100%

Kowamas - Maybank

2012-01-11T15:07:33Z

Effie: /* Factor */

== Product Features ==
* Interest Rate & Payout:
{| class="wikitable" style="text-align:center"
! Years !! Rate !! Payout
|-
! 1 - 2
| 4.99% || 95% -SAHAM(RM200.00) - FEE(RM50) - DUTI SETEM(RM10) - PROSES(RM100.00) - YURAN 6 BULAN(RM180) - 1 MONTH INSTALLMENT
|-
! 3 - 10
| 5.20% || 95% -SAHAM(RM200.00) - FEE(RM50) - DUTI SETEM(RM10) - PROSES(RM100.00) - YURAN 6 BULAN(RM180) - 1 MONTH INSTALLMENT
|-
! 11 - 15
| 5.60% || 94% -SAHAM(RM200.00) - FEE(RM50) - DUTI SETEM(RM10) - PROSES(RM100.00) - YURAN 6 BULAN(RM180) - 1 MONTH INSTALLMENT
|-
! 16 - 20
| 5.60% || 93% -SAHAM(RM200.00) - FEE(RM50) - DUTI SETEM(RM10) - PROSES(RM100.00) - YURAN 6 BULAN(RM180) - 1 MONTH INSTALLMENT
|}

* Tenure: Min 1 years - Max 20 years
* Finance: Min RM3,000 to RM200,000
* Salary: RM1,000 and above only
# RM1,500(termasuk elaun tetap;untuk Kakitangan Pharmaniaga Logistics Berhad dan anak syarikatnya sahaja)
* Age: 19 years and above
* Expired Facility: 58 years old
* Eligible Criteria:
** Tetap
** Tetap dalam Percubaan (Kakitangan Kerajaan Sahaja)
** Jawatan Kontrak (REJECT)- Kecuali guru tabika (kemas) mesti bekerja 5 tahun ke atas dan had pinjaman 15 tahun sahaja
* Yuran: 30
* CTOS: Setiap satu akaun CTOS tidak melebihi RM25,000 dengan jumlah keseluruhan tidak melebihi RM50,000

== Factor ==

{| class="wikitable" style="text-align:center"
! Years !! Month !! Factor !! Rate
|-
! 1
| 12 || 106.50% || 4.99%
|-
! 2
| 24 || 19.61
|-
! 3
| 36 || 28.99
|-
! 4
| 48 || 37.60
|-
! 5
| 60 || 45.51
|-
! 6
| 72 || 52.81
|-
! 7
| 84 || 59.58
|-
! 8
| 96 || 65.86
|-
! 9
| 108 || 71.71
|-
! 10
| 120 || 77.18
|-
! 11
| 132 || 82.28
|-
! 12
| 144 || 87.08
|-
! 13
| 156 || 91.58
|-
! 14
| 168 || 95.81
|-
! 15
| 180 || 99.81
|-
! 16
| 192 || 103.58
|-
! 17
| 204 || 107.15
|-
! 18
| 216 || 110.53
|-
! 19
| 228 || 113.74
|-
! 20
| 240 || 116.78
|}

* LOAN ELIGIBLE = DEDUCTION x FACTOR
* IN HAND = LOAN ELIGIBLE x 100%

Kowamas - Maybank

2012-01-11T15:06:36Z

Effie: /* Factor */

== Product Features ==
* Interest Rate & Payout:
{| class="wikitable" style="text-align:center"
! Years !! Rate !! Payout
|-
! 1 - 2
| 4.99% || 95% -SAHAM(RM200.00) - FEE(RM50) - DUTI SETEM(RM10) - PROSES(RM100.00) - YURAN 6 BULAN(RM180) - 1 MONTH INSTALLMENT
|-
! 3 - 10
| 5.20% || 95% -SAHAM(RM200.00) - FEE(RM50) - DUTI SETEM(RM10) - PROSES(RM100.00) - YURAN 6 BULAN(RM180) - 1 MONTH INSTALLMENT
|-
! 11 - 15
| 5.60% || 94% -SAHAM(RM200.00) - FEE(RM50) - DUTI SETEM(RM10) - PROSES(RM100.00) - YURAN 6 BULAN(RM180) - 1 MONTH INSTALLMENT
|-
! 16 - 20
| 5.60% || 93% -SAHAM(RM200.00) - FEE(RM50) - DUTI SETEM(RM10) - PROSES(RM100.00) - YURAN 6 BULAN(RM180) - 1 MONTH INSTALLMENT
|}

* Tenure: Min 1 years - Max 20 years
* Finance: Min RM3,000 to RM200,000
* Salary: RM1,000 and above only
# RM1,500(termasuk elaun tetap;untuk Kakitangan Pharmaniaga Logistics Berhad dan anak syarikatnya sahaja)
* Age: 19 years and above
* Expired Facility: 58 years old
* Eligible Criteria:
** Tetap
** Tetap dalam Percubaan (Kakitangan Kerajaan Sahaja)
** Jawatan Kontrak (REJECT)- Kecuali guru tabika (kemas) mesti bekerja 5 tahun ke atas dan had pinjaman 15 tahun sahaja
* Yuran: 30
* CTOS: Setiap satu akaun CTOS tidak melebihi RM25,000 dengan jumlah keseluruhan tidak melebihi RM50,000

== Factor ==

{| class="wikitable" style="text-align:center"
! Years !! Month !! Factor
|-
! 2
| 24 || 19.61
|-
! 2
| 24 || 19.61
|-
! 3
| 36 || 28.99
|-
! 4
| 48 || 37.60
|-
! 5
| 60 || 45.51
|-
! 6
| 72 || 52.81
|-
! 7
| 84 || 59.58
|-
! 8
| 96 || 65.86
|-
! 9
| 108 || 71.71
|-
! 10
| 120 || 77.18
|-
! 11
| 132 || 82.28
|-
! 12
| 144 || 87.08
|-
! 13
| 156 || 91.58
|-
! 14
| 168 || 95.81
|-
! 15
| 180 || 99.81
|-
! 16
| 192 || 103.58
|-
! 17
| 204 || 107.15
|-
! 18
| 216 || 110.53
|-
! 19
| 228 || 113.74
|-
! 20
| 240 || 116.78
|}

* LOAN ELIGIBLE = DEDUCTION x FACTOR
* IN HAND = LOAN ELIGIBLE x 100%

Kowamas - Maybank

2012-01-11T15:06:24Z

Effie:

== Product Features ==
* Interest Rate & Payout:
{| class="wikitable" style="text-align:center"
! Years !! Rate !! Payout
|-
! 1 - 2
| 4.99% || 95% -SAHAM(RM200.00) - FEE(RM50) - DUTI SETEM(RM10) - PROSES(RM100.00) - YURAN 6 BULAN(RM180) - 1 MONTH INSTALLMENT
|-
! 3 - 10
| 5.20% || 95% -SAHAM(RM200.00) - FEE(RM50) - DUTI SETEM(RM10) - PROSES(RM100.00) - YURAN 6 BULAN(RM180) - 1 MONTH INSTALLMENT
|-
! 11 - 15
| 5.60% || 94% -SAHAM(RM200.00) - FEE(RM50) - DUTI SETEM(RM10) - PROSES(RM100.00) - YURAN 6 BULAN(RM180) - 1 MONTH INSTALLMENT
|-
! 16 - 20
| 5.60% || 93% -SAHAM(RM200.00) - FEE(RM50) - DUTI SETEM(RM10) - PROSES(RM100.00) - YURAN 6 BULAN(RM180) - 1 MONTH INSTALLMENT
|}

* Tenure: Min 1 years - Max 20 years
* Finance: Min RM3,000 to RM200,000
* Salary: RM1,000 and above only
# RM1,500(termasuk elaun tetap;untuk Kakitangan Pharmaniaga Logistics Berhad dan anak syarikatnya sahaja)
* Age: 19 years and above
* Expired Facility: 58 years old
* Eligible Criteria:
** Tetap
** Tetap dalam Percubaan (Kakitangan Kerajaan Sahaja)
** Jawatan Kontrak (REJECT)- Kecuali guru tabika (kemas) mesti bekerja 5 tahun ke atas dan had pinjaman 15 tahun sahaja
* Yuran: 30
* CTOS: Setiap satu akaun CTOS tidak melebihi RM25,000 dengan jumlah keseluruhan tidak melebihi RM50,000

== Factor ==

{| class="wikitable" style="text-align:center"
! Years !! Month !! Factor
|-
! 2
| 24 || 19.61
! 2
| 24 || 19.61
|-
! 3
| 36 || 28.99
|-
! 4
| 48 || 37.60
|-
! 5
| 60 || 45.51
|-
! 6
| 72 || 52.81
|-
! 7
| 84 || 59.58
|-
! 8
| 96 || 65.86
|-
! 9
| 108 || 71.71
|-
! 10
| 120 || 77.18
|-
! 11
| 132 || 82.28
|-
! 12
| 144 || 87.08
|-
! 13
| 156 || 91.58
|-
! 14
| 168 || 95.81
|-
! 15
| 180 || 99.81
|-
! 16
| 192 || 103.58
|-
! 17
| 204 || 107.15
|-
! 18
| 216 || 110.53
|-
! 19
| 228 || 113.74
|-
! 20
| 240 || 116.78
|}

* LOAN ELIGIBLE = DEDUCTION x FACTOR
* IN HAND = LOAN ELIGIBLE x 100%

Kowamas - Maybank

2012-01-11T15:04:33Z

Effie: /* Jadual Pengiraan */

Kowamas - Maybank

2012-01-11T15:04:10Z

Effie:

Kowamas - Maybank

2012-01-11T14:57:09Z

Effie: Created page with "== Product Features == * Interest Rate & Payout: {| class="wikitable" style="text-align:center" ! Years !! Rate !! Payout |- ! 1 - 2 | 4.99% || 95% -SAHAM(RM200.00) - FEE(RM..."

Main Page

2012-01-11T14:55:29Z

Effie:

Management Support System Sdn. Bhd. Internal Processing Reference

[[General Guidelines]]

== List of Active Packages ==

* [[MBSB - Waslah]] - [[MBSB Form Filling Guide]]
* [[MBSB - Exec-i]]
* [[MBSB - Vaganza]]
* [[MBSB - XChange-i]]
* [[MBSB - Max-i]]
* [[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]]
* [[Mass Market]]
* [[Petronesa - HDM Capital]] - [[Petronesa HDM Form Filling Guide]]
* [[Koputri]] - [[Koputri Form Filling Guide]]
* [[Ikhtiar - KFH]] - [[Ikhtiar KFH Form Filling Guide]]
* [[Ukhwah - MBB]]

== Inactive Packages ==

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

MBSB - XChange-i

2012-01-11T14:44:49Z

Effie: /* Product Features */

== EARLY BIRD PROMOTION !!! ==
* Interest Rate : '''3.99%'''
* Package Validity : 1st January 2012 - 31st March 2012; or
* upon achieving RM1.0 Billion in disbursement amount
* PLEASE NOTE THAT AFTER EITHER ONE OF THE ABOVE HAS OVERRIDE THE INTEREST RATE WILL GO TO 4.30% AND 4.5%

== Product Features ==
* Area Covered: East Malaysia and West Malaysia
* Package Validity : 6th January 2012 - 31st December 2012
* Interest Rate:
** With Banca Takaful : 4.30% - minimum deduction for BANCA TAKAFUL is RM650(13 months) - to be renew every year by customer
** Without Banca Takaful : 4.50%
* Payout: 98% - 1 month installment - RM650(with BANCA TAKAFUL)- RM434(Incidental charges include ARB RM350)
* Tenure: Min 5 years - Max 20 years
* Finance: '''Min RM50,000 to RM200,000'''
* Salary: RM700 and above only
* Age: 19 years and above
* Expired Facility: 60 years old(opsyen letter)
* Tat: 7 working days
* 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

== Special Requirement==
* Customer must overlap at least 1 settlement, but not from MBSB.
* 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.

== Refund Of Redemption Statement Charges ==

* Charges on Redemption Statement(RS) Imposed by other banks - RM50.00 per RS; up to 5 RS per application(reimbursement basis)
''***Important : Redemption Statement must reflect a rebate amount from existing financier''

== Payslip Expiry Date ==
Payslip will expire every 20th.
Example:
* February payslip will expire on the 20th April.
* March payslip will expire on the 20th May

== 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

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

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

MBSB - Max-i

2012-01-11T14:43:14Z

Effie: /* Target Market */

== 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 ==
* Allowed

== 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

== 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

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

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