MUKADIMAH KATA
“ Kami faham anda semua memerlukan bantuan kewangan. Hakikat yang terpaksa di telan, proses pinjaman sekarang tidaklah semudah dulu. Pelbagai karenah biro dan koperasi nak kena hadap. Dah banyak jenis koperasi yang kami uruskan. Berdasarkan rekod kami, ada 2 jenis pembiayaan yang mempunyai APPROVAL RATE paling tinggi. Dan itu yang kami mahu share dan RECOMMEND anda semua. Kami tak mahu tabur janji manis pelbagai, cuma di sini, kami akan bantu uruskan urusan pinjaman anda mengikut kemampuan kami berasaskan saluran yang betul. Jika anda sudi, luangkan masa membaca maklumat di bawah ”
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RHB AWAM 3.75%
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------→ CIRI PINJAMAN
- Kadar keuntungan 3.75% - 3.85% tetap selama tempoh pembayaran
- Tempoh pembayaran sehingga 10 tahun atau 120 bulan
- Istimewa untuk kakitangan kerajaan
- Pinjaman sehingga RM150,000
- Pembayaran bersih adalah 97.0% daripada jumlah pinjaman
- Tidak perlu penjamin
- Gaji mesti RM1,000 dan keatas
-Berjawatan tetap
- Pembayaran balik melalui potongan Biro Angkasa. Guna kod potongan MBSB
- Tak ada caj yuran bulanan
- Tertakluk kepada terma dan syarat lain yang berkaitan
------→ DOKUMEN YANG DIPERLUKAN
- Salinan IC
- Salinan slip gaji 3 bulan terkini
- Surat Bersara 55/56/58/60
- Surat Pengesahan Jawatan
- Surat Pengesahan Majikan
- Jika overlap, mesti sertai Surat Redemption
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RHB PENCEN
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------→ CIRI PINJAMAN
- Interest Rate:5.00%
- Payout: Loan Amount - RM80 - Takaful (refer calculation below)
- Tenure: 3 to 15 years
- Max Age at end of tenure: 70 years old
- Max Age to apply: 66 years 9 months
- Financing Amount: RM5,000 to RM100,000
- Pension Amount: RM750.00 and above
- Available Deduction = (Gross Pension - Deduction (House-if any)) x 50%
- Example for customer with house deduction:
- Eligible Deduction = RM1000.00 (Pension Amount) - RM300.00 (potongan rumah) x 50% = RM350.00
- Refer to repayment table (RM350.00) to get loan amount
- Example for customer without deduction:
- Eligible Deduction = RM1000.00 x 50% = RM500.00
- Refer to Repayment table with RM500.00 to get loan amount
------→ DOKUMEN YANG DIPERLUKAN
- 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 from Bank & HQ(jika pemohon JPA boleh print statement di laman web ini ( jpapencen.gov.my )
- RHB Islamic Saving Account
- Balu (tidak perlu I/C Suami)
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KOPUTRI
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------→ CIRI PINJAMAN
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: RM1500 and above only
- Salary: RM2000 and above ( PAR and PEMANDU)
- Age: 19 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: RM1500 and above only
- Salary: RM2000 and above (PAR ans PEMANDU)
- 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)
------→ DOKUMEN YANG DIPERLUKAN
- 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
New guideline (with immediate effect) for koputri, application forms must attached:
1. Bank Rakyat acc book
2. Utility Bill (address must same with application form)
3. Every 3rd of the month latest payslip must be provided
4. For payslip which have no Angkasa deduction and under Kwsp must provide letter head 'Pengesahan Jawatan' Original
------→ TARGET MARKET
All Government employee
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
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EMAIL : [email protected]
CALL : 017-6262674 (Cik SARAH)
MAKLUMAT LANJUT, LAYARI:
WEBSITE KAMI SILA KLIK SINI
*** PENTING !!! KAMI TIDAK AKAN MELAYAN SEBARANG SMS (melainkan hal-hal urgent atau yang perlu sahaja. SMS mungkin akan mengambil sedikit masa untuk di balas). SEBARANG URUSAN/PERTANYAAN/BANTUAN/PERMOHONAN, SILA EMAIL ATAU CALL SAHAJA. NAMUN JIKA PANGGILAN ANDA TIDAK BERJAWAB, SILA SMS UNTUK RESPON KAMI DAN TINGGALKAN PESANAN ANDA.
*** PENTING !!! KAMI TIDAK MENERIMA SEBARANG KOMISEN ATAU UPFRONT DARI PIHAK PERSENDIRIAN.
*** PENTING !!! BOLEH BERURUSAN DI SELURUH MALAYSIA. KHIDMAT POS AKAN DIGUNAKAN.
SEKIAN, TERIMA KASIH ATAS SOKONGAN ANDA.
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