PAKEJ XCHANGE-i
- Pinjaman MBSB Pakej Baru 2012
- WAJIB OVERLAP pinjaman lama
- Pinjaman minimum RM50,000. Maksima RM200,000.
- Tempoh pembayaran balik dari 2 tahun - 20 tahun
- WAJIB OVERLAP salah satu Bank/Koperasi SELAIN MBSB
- Jika ada MBSB akan jadi akaun KEDUA
- Kadar keuntungan serendah 4.3% (kadar tetap) untuk 20 tahun DENGAN banccassurance
- Kadar keuntungan serendah 4.5% (kadar tetap) untuk 20 tahun TANPA banccassurance
- Payout 95%
- Potongan BIRO ANGKASA tidak melebihi 60%
- Tidak ada yuran keahlian (Anda tidak perlu menjadi ahli)
- Blacklist, CTOS, CCRIS layak
- Overlap dibenarkan
- Financing Amount Min Rm50k Up To Rm200k
- Tenure Min 5 Years Max 20 Years
- Profit Rate :
- Bundling With Banca Takaful - 4.30% Flat Rate
- Without Banca Takaful - 4.50% Flat Rate
- Minimum Salary Rm700 Including Fixed Allowance
- 19 Years Old And Not Exceeding 60 Years Upon Expiry Of Facility Or Opted Retirement Age Whichever Comes First
- Malaysian Citizen; Permanent And Confirmed Employee
- Total Deduction Inclusive Of Mbsb’s Installment Not To Exceed 60% From Gross Salary ; And
- Open To Government (Ag-Green Pay Slip And Non-Ag) And Non-Government Employees.
3.99%* From 1/1/2012 Until 31/3/2012 Or Upon Achieving Rm1.0 Billion In Disbursement Amount
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Deduction From Payout
- Security Deposit = 1 Month Instalment
- Processing Fee 2% From Financing Amount
- Rm50 X 13 Months (Rm650) For Banca Takaful (If Any)
- Temanku (Tk Card) Rm70 & Amanah Raya Rm350 (If Any)
Zero Entry Cost
The Followings Will Be ABSORBED By Mbsb:-
- Stamp Duty ; And
- Takaful Contribution-Gctt; And
- Charges On Redemption Statement (Rs) Imposed By Other Banks-Rm50.00 Per Rs; Up To 5 Rs Per Application (Reimbursement Basis)
- Lock In Period : 5 Years ; And
- Early Settlement Fee : 5.0% From Outstanding Balance; And
- To Claw Back All Cost Incurred Under Zero Entry Cost (Zec).
Takaful Coverage (Gctt)
Compulsory With Details Of Coverage Based On The Followings :
- Full Financing Amount; And
- Full Tenure Coverage If Financing Is Less Than 10 Years; Or
- Maximum 10 Years Coverage If Financing Is 10 Years And Above
