Perdanajaya - Bank Rakyat

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Contents

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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.

Expiry Date of Payslip

Document Listing

  1. Perdanajaya Agreement (Page1-22)
  2. BPA - 1 copy
  3. Photocopy of IC (front and back copy in 1 page) - 3 copies
  4. Birth Certificate (for police) - 1 copy
  5. Payslip original (latest) - 1 copy
  6. Payslip photocopy (disahkan majikan)(3 months) - 3 copies
  7. Pengesahan Majikan
  8. Bank Account copy - 1 copy
  9. Settlement statement (if any)
  10. Opsyen Letter (if any)

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 ELIGIBLE x 94% - RM400
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