Perdanajaya - Bank Rakyat

From Internal

Product Features

• Location : Whole Malaysia
• Employment Status : 6 months and above
• Interest Rate: 5.55%
• Payout: 94% - RM400
• Finance: Min RM2,000 to RM200,000
• Salary : No minimum amount
• Age : 18 years and above
• Expired Facility : 58 years old(with opsyen letter)
• Tenure: 20 Years
• Koop Charges: RM400
• TAT: 1 month
• Yuran: RM30
• Settlement: Valid before 2 weeks
• Ctos:
  • Blacklist up to RM30,000 are accepted.
  • Blacklist above RM30,000 can be considered on case by case basis.

Target Market

• All government employee
• Some Jabatan/GLC/Bhd/Sdn Bhd employee(Please refer to mss system > Department Report.

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.

Factor Perdanajaya 5.55% - 94%

YEARS..........MONTH............FACTOR

• 2....................24....................21.17
• 3....................36 30.24
• 4....................48 38.48
• 5....................60 46.02
• 6....................72 52.92
• 7....................84 59.26
• 8....................96 65.13
• 9....................108 70.55
• 10...................120 75.59
• 11...................132 80.29
• 12...................144 84.67
• 13...................156 88.77
• 14...................168 92.59
• 15...................180 96.20
• 16...................192 99.60
• 17...................204 102.83
• 18...................216 105.82
• 19...................228 108.70
• 20...................240 111.42

• LOAN ELIGIBLE = DEDUCTION – RM30 X FACTOR
• IN HAND = LOAN ELIGIBL