tag:blogger.com,1999:blog-89792604259565765462024-03-06T12:01:15.438-08:00Pinjaman Peribadi OnlineUnknownnoreply@blogger.comBlogger37125tag:blogger.com,1999:blog-8979260425956576546.post-3656598170252785492015-06-25T21:54:00.001-07:002015-06-25T21:54:17.326-07:00Bank Islam Pakej Pinjaman Terkini 2015<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEipD2mjM6qHmIPWfaH6v8lSf3H8FuIJMR_gnPVW7Qgbt8AkxK1nwiRJ1h4eDERmsrMOad1bZ3ZnpePqEmP0qHp82etsWJ-l6_R9tH74gQkieRaOAY-_EEBplFCuQzmZ9dETBd3f6ehtjgsQ/s1600/bank_islam_1311s_620_338_100.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="174" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEipD2mjM6qHmIPWfaH6v8lSf3H8FuIJMR_gnPVW7Qgbt8AkxK1nwiRJ1h4eDERmsrMOad1bZ3ZnpePqEmP0qHp82etsWJ-l6_R9tH74gQkieRaOAY-_EEBplFCuQzmZ9dETBd3f6ehtjgsQ/s320/bank_islam_1311s_620_338_100.JPG" width="320" /></a></div>
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<span style="color: blue; font-size: small;">Ciri-Ciri</span></div>
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<b>Amaun Pembiayaan</b></div>
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<span style="color: black;">Berdasarkan had kelayakan dan tertakluk pada amaun minimum sebanyak RM10,000 dan amaun maksimum sebanyak RM200,000<br /> </span></div>
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<b><span style="font-family: Arial;">Tempoh Pembayaran</span></b></div>
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<span style="font-family: Arial;">Maksimum 10 tahun (120 bulan) atau sehingga umur persaraan, yang mana lebih awal<br /> </span></div>
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<b><span style="font-family: Arial;">Tawaran Kadar Pembiayaan</span></b></div>
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<b><span style="font-family: Arial;"><br /></span></b></div>
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<u><span style="color: blue; font-family: Arial;">Kadar Tetap</span></u></div>
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<span style="font-family: Arial;">1-3 tahun: 3.25% setahun (dengan Penulisan Wasiat, langganan produk-produk BancaTakaful atau Kad Bank Islam-i)</span></div>
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<span style="font-family: Arial;">1-3 tahun: 3.50% setahun</span></div>
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<span style="font-family: Arial;">4-10 tahun: 4.99% setahun</span></div>
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<u><span style="color: blue; font-family: Arial;">Kadar Terapung (Kadar Pembiayaan Asas (KPA))</span></u></div>
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<li><span style="font-family: Arial;">1-3 tahun : KPA - 1.65% setahun</span></li>
<li><span style="font-family: Arial;">4-10 tahun : KPA - 0.35% setahun</span></li>
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<span style="font-family: Arial;">Nota: Kadar Pembiayaan Asas terkini – 6.60% setahun.</span></div>
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<span style="color: blue;"><b style="background-color: white; font-family: verdana, arial, helvetica, sans-serif;"><span style="font-family: Arial; font-size: small;"><br /></span></b></span>
<span style="color: blue;"><strong style="background-color: white; font-family: verdana, arial, helvetica, sans-serif;"></strong><span style="background-color: white; font-family: verdana, arial, helvetica, sans-serif;"></span><b style="background-color: white; font-family: verdana, arial, helvetica, sans-serif;"><span style="font-family: Arial; font-size: small;">Kelayakan</span></b></span><br />
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<span style="font-family: Arial;">Pemohon hendaklah berumur 18 tahun dan tidak melebihi umur persaraan pada tempoh akhir pembayaran</span></div>
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<span style="font-family: Arial;">Warganegara Malaysia</span></div>
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<span style="font-family: Arial;">Mempunyai pendapatan tetap minimum RM2,000 sebulan</span></div>
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<span style="font-family: Arial;">Pemohon hendaklah terus menjadi pekerja dalam sektor-sektor yang berikut:</span></div>
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<span style="font-family: Arial;">Sektor Kerajaan</span></div>
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<span style="font-family: Arial;">Syarikat Senarai Awam Terpilih</span></div>
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<span style="font-family: Arial;">Anak-anak Syarikat Kerajaan atau Syarikat Senarai Awam Terpilih</span></div>
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<span style="font-family: Arial;">Syarikat Sendirian Berhad Terpilih yang lain yang dikategorikan di bawah pakej syarikat yang disenaraikan oleh Bank Islam</span></div>
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<span style="font-family: Arial;">Nisbah Bayar Balik Hutang (NBBH) hendaklah tidak melebihi 50% (jika bukan pemilik rumah) atau 60% (jika bukan pemilik rumah) daripada gaji bersih selepas potongan berkanun.</span></div>
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<span style="font-family: Arial;">Bagi yang berpendapatan melebihi RM 7,000, (NBBH) hendaklah tidak melebihi 55% (jika bukan pemilik rumah) atau 75% (jika bukan pemilik rumah) daripada gaji bersih selepas potongan berkanun.</span></div>
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<b><span style="font-family: Arial;">Perlindungan Takaful</span></b></div>
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<span style="font-family: Arial;">Pelan Takaful Pembiayaan Peribadi<br /> </span></div>
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<b><span style="font-family: Arial;">Fi Wakalah</span></b></div>
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<span style="font-family: Arial;">RM50.00 – Kerana menjadi ejen pelanggan untuk menjual komoditi kepada Broker<br /> </span></div>
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<b><span style="font-family: Arial;">Dokumen yang diperlukan</span></b></div>
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<span style="font-family: Arial;">Fotokopi kad pengenalan</span></div>
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<span style="font-family: Arial;">Slip gaji 3 bulan terkini</span></div>
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<span style="font-family: Arial;">Surat pengesahan jawatan terkini</span></div>
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<span style="font-family: Arial;">Penyata bank terkini selama 3 bulan (pengkreditan gaji) </span></div>
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<span style="font-family: Arial;"> dan sekurang-kurangnya satu daripada berikut:</span></div>
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<span style="font-family: Arial;">Penyata pendapatan terkini (Borang BE/eBE/EA/EC); atau</span></div>
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<span style="font-family: Arial;">Sebarang dokumen sokongan seperti penyata KWSP terkini, jika perlu </span></div>
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<b><span style="font-family: Arial;">Kaedah Pembayaran</span></b></div>
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<span style="font-family: Arial;">Potongan gaji</span></div>
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<span style="font-family: Arial;">Pindahan Gaji ke Bank Islam dengan arahan Autodebit</span></div>
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<b><span style="color: blue; font-family: Arial; font-size: small;">Manfaat</span></b></div>
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<span style="font-family: Arial;">Kadar yang kompetitif</span></div>
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<span style="font-family: Arial;">Tanpa caj terselindung</span></div>
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<span style="font-family: Arial;">Tanpa penjamin</span></div>
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<span style="font-family: Arial;">Tanpa deposit</span></div>
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<span style="font-family: Arial;">Tanpa fi pemprosesan</span></div>
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<span style="font-family: Arial;">Tempoh pembiayaan yang fleksibel</span></div>
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<span style="font-family: Arial;">Harga jualan – tetap dan diketahui</span></div>
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<span style="font-family: Arial;">Kelulusan cepat</span></div>
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<b><span style="color: blue; font-family: Arial;">Lembaran Pendedahan Produk</span></b></div>
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<li><div align="justify">
<span style="color: black; font-family: Arial;"><span style="color: black; text-decoration: none;"><a href="http://www.bankislam.com.my/en/Documents/Consumer/PDS-080713-PersonalFinancing.pdf" style="color: #003399; text-decoration: none;" target="_blank">Pembiayaan Peribadi-i</a></span></span></div>
</li>
</ul>
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<span style="font-family: Arial;"><br /></span></div>
<div style="text-align: center;">
<span style="color: #cc0000; font-family: Arial;"><b><a href="http://www.bankislam.com.my/bm/_layouts/ExpressOnlineApplication.aspx" target="_blank">MOHON</a></b></span></div>
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Unknownnoreply@blogger.com9tag:blogger.com,1999:blog-8979260425956576546.post-73561596514763903512015-05-13T01:19:00.001-07:002015-05-13T01:19:56.796-07:00Bank Islam Awam Personal Loan For Private Sector<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjd5UaJt5vz8LbExTtOg25bpSmE1J_oKdIufdeFjzsMlJFMrfk7npL9h8ToSgDl9PWk3jjrcUVTSq1BxFHG5qCY4q1Wt5PoXrK2pDAllrDfPx7CBfaFIQ0xswvZS_mOmInSsctOwB5Yqa4e/s1600/Bank+Islam+Awam+Personal+Loan.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="74" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjd5UaJt5vz8LbExTtOg25bpSmE1J_oKdIufdeFjzsMlJFMrfk7npL9h8ToSgDl9PWk3jjrcUVTSq1BxFHG5qCY4q1Wt5PoXrK2pDAllrDfPx7CBfaFIQ0xswvZS_mOmInSsctOwB5Yqa4e/s320/Bank+Islam+Awam+Personal+Loan.jpg" width="320" /></a></div>
<div class="table-responsive" style="background-color: white; border: 0px; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: 15.1999998092651px; font-stretch: inherit; line-height: 24.3199996948242px; margin: 0px; padding: 0px; vertical-align: baseline;">
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<tr style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;"><th style="border-bottom-width: 0px; border-left-style: none; border-right-style: none; border-top-width: 0px; color: #222222; font-family: inherit; font-size: 14px; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: 18px; margin: 0px; padding: 8px; vertical-align: bottom; width: 20px;"><strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Personal Financing-i</strong></th></tr>
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<tr style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;"><td style="border-style: solid none none; border-top-color: rgb(221, 221, 221); border-top-width: 1px; color: #999999; font-family: inherit; font-size: 12px; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: 18px; margin: 0px; padding: 8px; vertical-align: top;">Fixed Interest and Floating interest rates available. As low as 3.25% p.a flat rate.</td></tr>
<tr style="background: rgb(241, 248, 254); border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;"><td style="border-style: solid none none; border-top-color: rgb(221, 221, 221); border-top-width: 1px; color: #999999; font-family: inherit; font-size: 12px; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: 18px; margin: 0px; padding: 8px; vertical-align: top;">Maximum 10 years repayment</td></tr>
<tr style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;"><td style="border-style: solid none none; border-top-color: rgb(221, 221, 221); border-top-width: 1px; color: #999999; font-family: inherit; font-size: 12px; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: 18px; margin: 0px; padding: 8px; vertical-align: top;"><span style="border: 0px; font-family: inherit; font-size: 1rem; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: 1.714285714; margin: 0px; padding: 0px; vertical-align: baseline;">From RM 20,000 to RM 200,000 loan available</span></td></tr>
<tr style="background: rgb(241, 248, 254); border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;"><td style="border-style: solid none none; border-top-color: rgb(221, 221, 221); border-top-width: 1px; color: #999999; font-family: inherit; font-size: 12px; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: 18px; margin: 0px; padding: 8px; vertical-align: top;"><span style="border: 0px; font-family: inherit; font-size: 1rem; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: 1.714285714; margin: 0px; padding: 0px; vertical-align: baseline;">Only available to Malaysian government sector employees</span></td></tr>
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Bank Islam Personal Financing-i is an unsecured personal that is catered for public sector employees in Malaysia. This personal loan is Syariah compliant while borrowers will be able to enjoy from RM 20,000 to RM 200,000 of financing with maximum of 10 years repayment upon retirement age.</div>
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As of public sector personal loan, Bank Islam’s Personal Financing-i offers a very competitive interest rates. A borrower will have the choice of Fixed or Floating with optional Takaful insurance.</div>
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<strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Fixed Rate</strong></div>
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3.25% p.a ( with Takaful and Bank Islam products) , 1 to 3 years</div>
<div style="background-color: white; border: 0px; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: 0.95em; font-stretch: inherit; line-height: 24px; margin-bottom: 18px; padding: 0px; vertical-align: baseline;">
3.50% p.a , 1 to 3 years</div>
<div style="background-color: white; border: 0px; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: 0.95em; font-stretch: inherit; line-height: 24px; margin-bottom: 18px; padding: 0px; vertical-align: baseline;">
4.99% p.a, 4 to 10 years</div>
<div style="background-color: white; border: 0px; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: 0.95em; font-stretch: inherit; line-height: 24px; margin-bottom: 18px; padding: 0px; vertical-align: baseline;">
<strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Floating rate ( Based on BLR) </strong></div>
<div style="background-color: white; border: 0px; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: 0.95em; font-stretch: inherit; line-height: 24px; margin-bottom: 18px; padding: 0px; vertical-align: baseline;">
BLR – 1.70% p.a, 1 to 3 years</div>
<div style="background-color: white; border: 0px; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: 0.95em; font-stretch: inherit; line-height: 24px; margin-bottom: 18px; padding: 0px; vertical-align: baseline;">
BLR – 0.40% p.a, 4 to 10 years</div>
<div style="background-color: white; border: 0px; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: 0.95em; font-stretch: inherit; line-height: 24px; margin-bottom: 18px; padding: 0px; vertical-align: baseline;">
As for the repayment of the loan, it can be done only via salary deduction or standing instructions or salary transfer methods.</div>
<div style="background-color: white; border: 0px; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: 0.95em; font-stretch: inherit; line-height: 24px; margin-bottom: 18px; padding: 0px; vertical-align: baseline;">
<strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Charges</strong></div>
<div style="background-color: white; border: 0px; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: 0.95em; font-stretch: inherit; line-height: 24px; margin-bottom: 18px; padding: 0px; vertical-align: baseline;">
Stamp duty fee is required while a Wakalah fee of RM 50 is applicable. Early settlement fees will be charge if a borrower wants to settle the loan earlier. Takaful coverage is a must.</div>
<div style="background-color: white; border: 0px; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: 0.95em; font-stretch: inherit; line-height: 24px; margin-bottom: 18px; padding: 0px; vertical-align: baseline;">
<strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Eligibility</strong></div>
<div style="background-color: white; border: 0px; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: 0.95em; font-stretch: inherit; line-height: 24px; margin-bottom: 18px; padding: 0px; vertical-align: baseline;">
Applicants will need to be from 18 years while do not exceed retirement age during the loan tenure.</div>
<div style="background-color: white; border: 0px; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: 0.95em; font-stretch: inherit; line-height: 24px; margin-bottom: 18px; padding: 0px; vertical-align: baseline;">
This is a public sector loan which is only offered to government servants, selected GLCs, or subsidiaries of government .</div>
<div style="background-color: white; border: 0px; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: 0.95em; font-stretch: inherit; line-height: 24px; margin-bottom: 18px; padding: 0px; vertical-align: baseline;">
<strong style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Documents required</strong></div>
<ul style="background-color: white; border: 0px; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: 15.1999998092651px; font-stretch: inherit; line-height: 24px; list-style: none outside; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">
<li style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">NRIC ( front and back)</li>
<li style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">Most recent 3 months payslip</li>
<li style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">Employment confirmation contract</li>
<li style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">Most recent 3 months bank statement of salary account</li>
<li style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">EPF statement</li>
<li style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">Most recent income tax statements.</li>
</ul>
</div>
Unknownnoreply@blogger.com9tag:blogger.com,1999:blog-8979260425956576546.post-21476531332356466522015-04-12T19:27:00.000-07:002015-04-12T19:52:00.773-07:00Pinjaman dan Pembiayaan Mara<div dir="ltr" style="text-align: left;" trbidi="on">
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<span class="portlet-title-text" style="cursor: pointer;"><span style="font-size: small;">SYARAT KELAYAKAN:</span></span></h1>
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<form style="margin: 0px; padding: 0px;">
<img src="http://www.mara.gov.my/mec_mar-theme/images/mara/icon-print.png" style="border: 0px; cursor: pointer;" title="Cetak" /></form>
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<ul style="list-style-position: outside; margin: 1em 1em 1em 2em; padding: 0px;">
<li style="margin: 0px; padding: 0px; text-align: justify;"><span style="line-height: 1.4;">Warganegara Malaysia keturunan Melayu atau Bumiputera;</span></li>
<li style="margin: 0px; padding: 0px; text-align: justify;">Umur 18 tahun ke atas;</li>
<li style="margin: 0px; padding: 0px; text-align: justify;">Pengalaman / pengetahuan dalam bidang perniagaan yang diceburi;</li>
<li style="margin: 0px; padding: 0px; text-align: justify;">Menjalankan perniagaan sepenuh masa;</li>
<li style="margin: 0px; padding: 0px; text-align: justify;">Sumbangan modal pemohon 10% daripada kos projek;</li>
<li style="margin: 0px; padding: 0px; text-align: justify;">Mempunyai lesen / permit / surat kebenaran daripada pihak berkuasa;</li>
<li style="margin: 0px; padding: 0px; text-align: justify;">Dapat mengemukakan cagaran / jaminan yang mencukupi;</li>
<li style="margin: 0px; padding: 0px; text-align: justify;">Perlu mengikuti Kursus Keusahawanan jika pengalaman dalam bidang perniagaan kurang daripada 6 bulan.</li>
<li style="margin: 0px; padding: 0px; text-align: justify;">Menjalani Ujian PSIKOMETRI <b>(kecuali skim SPiKE)</b></li>
</ul>
</div>
</div>
</div>
</div>
</div>
</section></div>
</div>
</div>
</div>
</div>
</div>
</span></span></h1>
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<span style="font-size: small;">CARA MEMOHON:</span></h1>
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<div style="float: right; height: 20px; margin: -72px 26px 0px 0px; padding: 0px; width: 21.328125px;">
<form style="margin: 0px; padding: 0px;">
<img src="http://www.mara.gov.my/mec_mar-theme/images/mara/icon-print.png" style="border: 0px; cursor: pointer;" title="Cetak" /></form>
</div>
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<div style="margin-bottom: 1em; padding: 0px; text-align: justify;">
<strong>Set Borang Yang Lengkap :-</strong></div>
<div style="margin-bottom: 1em; padding: 0px; text-align: justify;">
<b>SKIM PEMBIAYAAN KONTRAK EKSPRES <span style="color: red;">(SPiKE)</span> DAN SKIM PEMBIAYAAN PENINGKATAN PERNIAGAAN</b><span style="color: red;"><b>(SPPP)</b></span></div>
<div style="margin-bottom: 1em; padding: 0px; text-align: justify;">
<br />
<b>SILA DAPATKAN BORANG PERMOHONAN PEMBIAYAAN PERNIAGAAN DI PEJABAT MARA DAERAH / NEGERI YANG BERHAMPIRAN DENGAN TUAN PUAN.</b></div>
<div style="margin-bottom: 1em; padding: 0px;">
<br />
1. Borang Permohonan Pembiayaan Perniagaan</div>
<div style="margin-bottom: 1em; padding: 0px;">
2. Borang Maklumat Peribadi</div>
<div style="margin-bottom: 1em; padding: 0px;">
3. Borang Jaminan/ Borang Cagaran</div>
<div style="margin-bottom: 1em; padding: 0px;">
4. Senarai Semak Permohonan Pembiayaan</div>
</div>
</div>
</div>
</div>
</div>
</section></div>
</div>
</div>
</div>
</div>
</div>
<div align="center" style="background-color: #f8fcff; font-family: Tahoma; line-height: 15.4112005233765px; margin-bottom: 1em; padding: 0px;">
<strong>BAYARAN PEMPROSESAN</strong></div>
<table align="center" border="1" style="background-color: #f8fcff; border-collapse: collapse; border-spacing: 0px; clear: both; color: black; font-family: Tahoma; height: 161px; line-height: 15.4112005233765px; width: 450px;"><tbody>
<tr><td bgcolor="#0066ff" style="margin: 0px; padding: 0px;" width="67%"><div align="center" style="margin: 0px; padding: 0px;">
<span style="color: white;"><strong> Jumlah Pembiayaan </strong></span></div>
</td><td bgcolor="#0066ff" style="margin: 0px; padding: 0px;" width="33%"><div align="center" style="margin: 0px; padding: 0px;">
<strong> </strong><span style="color: white;"><strong>Kadar Bayaran</strong></span></div>
</td></tr>
<tr><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
<b>RM5,000</b></div>
</td><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
RM 5</div>
</td></tr>
<tr><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
<b>RM 5,001 hingga RM 20,000 </b></div>
</td><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
RM 20</div>
</td></tr>
<tr><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
<b>RM 20,001 hingga RM 50,000 </b></div>
</td><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
RM 50</div>
</td></tr>
<tr><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
<b>RM 50,001 hingga RM 250,000 </b></div>
</td><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
RM 100</div>
</td></tr>
<tr><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
<b>RM 250,001 ke atas</b></div>
</td><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
RM 200</div>
<div>
<br /></div>
</td></tr>
</tbody></table>
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Unknownnoreply@blogger.com4tag:blogger.com,1999:blog-8979260425956576546.post-56802096034465418882015-02-08T01:25:00.001-08:002015-02-08T01:25:45.657-08:00Kelayakan pinjaman perumahan kerajaan<div dir="ltr" style="text-align: left;" trbidi="on">
<div style="line-height: 15px; margin-bottom: 10px; margin-top: 10px; padding: 0px; text-align: left;">
<span style="background-color: white; font-family: Arial, Helvetica, sans-serif;"><strong>Kadar Kelayakan Baharu Pinjaman Perumahan Perbendaharaan Malaysia dan </strong><strong>Pemansuhan Wang Proses (Kuat Kuasa 1 Januari 2015)</strong></span></div>
<div style="line-height: 15px; margin-bottom: 10px; margin-top: 10px; padding: 0px; text-align: left;">
<span style="font-family: Arial, Helvetica, sans-serif;"><strong style="background-color: white;"><br /></strong></span></div>
<div style="font-family: Arial, Helvetica, sans-serif; font-size: 10px; line-height: 15px; margin-bottom: 10px; margin-top: 10px; padding: 0px; text-align: justify;">
<span style="background-color: white;"><span style="font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;">1. Seperti mana sedia maklum, semasa pembentangan Bajet </span><span style="font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;">2015, Kerajaan telah mengumumkan bahawa had kelayakan minimum pinjaman perumahan dinaikkan daripada RM80,000 kepada RM120,000 dan bagi kelayakan maksimum dinaikkan daripada RM450,000 kepada RM600,000.</span></span></div>
<div style="font-family: Arial, Helvetica, sans-serif; font-size: 10px; line-height: 15px; margin-bottom: 10px; margin-top: 10px; padding: 0px;">
<span style="background-color: white; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;">2. Wang pemprosesan permohonan pinjaman sebanyak Rm100 juga telah dimansuhkan.</span></div>
<div style="font-family: Arial, Helvetica, sans-serif; font-size: 10px; line-height: 15px; margin-bottom: 10px; margin-top: 10px; padding: 0px;">
<span style="background-color: white; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;">3. <strong>Kedua-dua penambahbaikan ini berkuat kuasa pada 1 Januari 2015</strong>.</span></div>
<div style="font-family: Arial, Helvetica, sans-serif; font-size: 10px; line-height: 15px; margin-bottom: 10px; margin-top: 10px; padding: 0px;">
<span style="background-color: white; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;">4. Jadual kelayakan baharu Pinjaman Perumahan Perbendaharaan Malaysia adalah seperti berikut :</span></div>
<div style="font-family: Arial, Helvetica, sans-serif; font-size: 10px; line-height: 15px; margin-bottom: 10px; margin-top: 10px; padding: 0px; text-align: center;">
<br /></div>
<table border="2" style="color: black; font-family: Arial, Helvetica, sans-serif; font-size: 10px; line-height: 15px; margin: 10px auto 5px; padding: 0px;"><tbody>
<tr style="background-color: #007dff;"><td><div style="text-align: center;">
<span style="font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong><span style="background-color: blue; color: white;">Bil</span></strong></span></div>
</td><td><div style="text-align: center;">
<span style="font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong><span style="background-color: blue; color: white;">Gaji Bulanan Hakiki (RM)</span></strong></span></div>
</td><td><div style="text-align: center;">
<span style="font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong><span style="background-color: blue; color: white;">Kelayakan Pinjaman (RM)</span></strong></span></div>
</td></tr>
<tr><td><span style="background-color: white;"> <span style="font-size: 10pt;"><strong><span style="font-family: tahoma, arial, helvetica, sans-serif;">1</span></strong></span></span></td><td><div style="text-align: center;">
<span style="background-color: white; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>8,500 ke atas</strong></span></div>
</td><td><span style="background-color: white;"> <strong><span style="font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;">600,000.00</span></strong></span></td></tr>
<tr><td><div style="text-align: center;">
<span style="background-color: white; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>2</strong></span></div>
</td><td><div style="text-align: center;">
<span style="background-color: white; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>6,500 ke 8,499</strong></span></div>
</td><td><div style="text-align: center;">
<span style="background-color: white; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>562,000.00</strong></span></div>
</td></tr>
<tr><td><div style="margin-bottom: 5px; margin-top: 10px; padding: 0px; text-align: center;">
<span style="background-color: white; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>3</strong></span></div>
</td><td><div style="margin-bottom: 5px; margin-top: 10px; padding: 0px; text-align: center;">
<span style="background-color: white; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>5,500 ke 6,499</strong></span></div>
</td><td><div style="margin-bottom: 5px; margin-top: 10px; padding: 0px; text-align: center;">
<span style="background-color: white; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>525,000.00</strong></span></div>
</td></tr>
<tr><td><div style="margin-bottom: 5px; margin-top: 10px; padding: 0px; text-align: center;">
<span style="background-color: white; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>4</strong></span></div>
</td><td><div style="margin-bottom: 5px; margin-top: 10px; padding: 0px; text-align: center;">
<span style="background-color: white; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>4,500 ke 5,499</strong></span></div>
</td><td><div style="margin-bottom: 5px; margin-top: 10px; padding: 0px; text-align: center;">
<span style="background-color: white; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>500,000.00</strong></span></div>
</td></tr>
<tr><td><div style="margin-bottom: 5px; margin-top: 10px; padding: 0px; text-align: center;">
<span style="background-color: white; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>5</strong></span></div>
</td><td><div style="margin-bottom: 5px; margin-top: 10px; padding: 0px; text-align: center;">
<span style="background-color: white; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>3,500 ke 4,499</strong></span></div>
</td><td><div style="margin-bottom: 5px; margin-top: 10px; padding: 0px; text-align: center;">
<span style="background-color: white; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>475,000.00</strong></span></div>
</td></tr>
<tr><td><div style="text-align: center;">
<span style="background-color: white; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>6</strong></span></div>
</td><td><div style="text-align: center;">
<span style="background-color: white; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>3,000 ke 3,499</strong></span></div>
</td><td><div style="text-align: center;">
<span style="background-color: white; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>400,000.00</strong></span></div>
</td></tr>
<tr><td><div style="text-align: center;">
<span style="background-color: white; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>7</strong></span></div>
</td><td><div style="text-align: center;">
<span style="background-color: white; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>2,500 ke 2,999</strong></span></div>
</td><td><div style="text-align: center;">
<span style="background-color: white; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>350,000.00</strong></span></div>
</td></tr>
<tr><td><div style="text-align: center;">
<span style="background-color: white; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>8</strong></span></div>
</td><td><div style="text-align: center;">
<span style="background-color: white; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>2,000 ke 2,499</strong></span></div>
</td><td><div style="text-align: center;">
<span style="background-color: white; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>320,000.00</strong></span></div>
</td></tr>
<tr><td><div style="text-align: center;">
<span style="background-color: white; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>9</strong></span></div>
</td><td><div style="text-align: center;">
<span style="background-color: white; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>1,500 ke 1,999</strong></span></div>
</td><td><div style="text-align: center;">
<span style="background-color: white; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>260,000.00</strong></span></div>
</td></tr>
<tr><td><div style="text-align: center;">
<span style="background-color: white; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>10</strong></span></div>
</td><td><div style="text-align: center;">
<span style="background-color: white; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>1,200 ke 1,499</strong></span></div>
</td><td><div style="text-align: center;">
<span style="background-color: white; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>210,000.00</strong></span></div>
</td></tr>
<tr><td><div style="text-align: center;">
<span style="background-color: white; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>11</strong></span></div>
</td><td><div style="text-align: center;">
<span style="background-color: white; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>1,000 ke 1,199</strong></span></div>
</td><td><div style="text-align: center;">
<span style="background-color: white; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>150,000.00</strong></span></div>
</td></tr>
<tr><td><div style="text-align: center;">
<span style="background-color: white; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>12</strong></span></div>
</td><td><div style="text-align: center;">
<span style="background-color: white; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>999 dan ke bawah</strong></span></div>
</td><td><div style="text-align: center;">
<span style="background-color: white; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>120,000.00</strong></span></div>
</td></tr>
</tbody></table>
</div>
Unknownnoreply@blogger.com3tag:blogger.com,1999:blog-8979260425956576546.post-91834306437907543432015-01-20T19:57:00.000-08:002015-01-20T19:57:18.971-08:00Jadual Terbaru Pinjaman Peribadi Bank Rakyat 2015<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgUj2F7YiyUJ31R2_qgewFzOxdjUEFRn68apCvRwBfWl3reWr7xiiG7NXmazv6z6PpF_G1mZKvxXmmjP75M9LlGaN8r3lMSTkimvQxiVam7p8mPYeTRZ2eNUB0qQw06zSAaHJjttkNPi5lO/s1600/jadual+pembayaran+bank+rakyat.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgUj2F7YiyUJ31R2_qgewFzOxdjUEFRn68apCvRwBfWl3reWr7xiiG7NXmazv6z6PpF_G1mZKvxXmmjP75M9LlGaN8r3lMSTkimvQxiVam7p8mPYeTRZ2eNUB0qQw06zSAaHJjttkNPi5lO/s1600/jadual+pembayaran+bank+rakyat.png" height="290" width="400" /></a></div>
<br />
Di bawah ini adalah rate terbaru yg akan Bank Rakyat offer kepada individu yang nak buat PL. Limit atau tenure hanya sampai 10 Tahun sahaja.<br />
<br />
Law terbaru ini telah ditetapkan oleh Bank Negara Malaysia. Dimana pinjaman cenderung kepada golongan yang berkemampuan sahaja bagi memastikan keuntungan pihak bank dan mengurangkan kadar blacklist di kalangan peminjam.<br />
<br />
<div style="text-align: center;">
<img src="http://s21.postimg.org/hp6zui9pz/Vfrty.jpg" height="640" width="480" /></div>
<div style="text-align: center;">
<br /></div>
Interest utk tempoh pinjaman utk 1-3 tahun ialah 3.30%.<br />
<br />
Manakala 4-10 tahun ialah 3.88%.<br />
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Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-8979260425956576546.post-27290124635380977032015-01-13T02:19:00.001-08:002015-01-13T02:19:48.363-08:00Pinjaman Perumahan Bank Islam<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinIZS6Xu-W_yVYKQi5xH2_AY4AgN4ZR-4riF7C_cqgapTaApU8pt0mjDJR7q4xUxMYLj_t5ddLPWUe6uzk06jRTaDh0i7TVBdZRhDLq_0UhEhsaM57YTvabDPEMvSzhE2arVfp_4Kqjt4x/s1600/Pinjaman+Perumahan+Bank+Islam+Pinjam+Online.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinIZS6Xu-W_yVYKQi5xH2_AY4AgN4ZR-4riF7C_cqgapTaApU8pt0mjDJR7q4xUxMYLj_t5ddLPWUe6uzk06jRTaDh0i7TVBdZRhDLq_0UhEhsaM57YTvabDPEMvSzhE2arVfp_4Kqjt4x/s1600/Pinjaman+Perumahan+Bank+Islam+Pinjam+Online.jpg" height="426" width="640" /></a></div>
Kini terdapat pelbagai tawaran pinjaman untuk pembelian rumah yang disediakan oleh bank-bank di Malaysia. Trend terkini adalah pinjaman perumahan berkonsepkan Islam. Antara bank yang</div>
<div>
menawarkan pinjaman berkonsepkan Islam adalah Bank Islam Malaysia.</div>
<div>
<br /></div>
Terdapat beberapa jenis pinjaman perumahan yang ditawarkan oleh Bank Islam.<br />
<div>
<br /></div>
<div>
Antaranya ialah:</div>
</div>
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<div>
<ol style="text-align: left;">
<li>Pembiayaan Rumah Baiti</li>
<li>Skim Perumahan SJKP</li>
<li>Skim Rumah Pertamaku</li>
</ol>
<div>
Mari kita lihat tawaran yang diberikan oleh Pembiayaan Rumah Baiti Dahulu:</div>
<div>
<br /></div>
<div>
<ol style="text-align: left;">
<li><b><u>Pembiayaan Rumah Baiti</u></b></li>
</ol>
</div>
<div>
Pembiayaan Perumahan Baiti menawarkan pembiayaan perumahan yang menyeluruh serta mematuhi kehendak syariah.</div>
<div>
<br /></div>
<div style="text-align: left;">
Antara Ciri-ciri yang menarik Pinjaman Perumahan Baiti ialah:</div>
<div style="text-align: left;">
<ul style="text-align: left;">
<li>Pembiayaan untuk Perlindungan Takaful Gadai Janji (MRTT)</li>
<li>Perlindungan Takaful Pemilik Rumah Kediaman Jangka Panjanag (LTHT)</li>
<li>Yuran Penilaian Hartanah</li>
<li>Yuran Guaman</li>
<li>Duti Setem</li>
<li>Margin pembiayaan sehingga 90%</li>
<li>Tempoh pembiayaan sehingga 35 tahun atau umur 70, yang mana terdahulu</li>
<li>Kadar keuntungan yang kompetitif\</li>
</ul>
<div>
Bonus:</div>
<div>
<ul style="text-align: left;">
<li>Nikmati 2 bulan penangguhan bayaran bulanan dengan pelan 'Payment Holiday' kami (setiap November dan Disember)</li>
</ul>
<div>
Penjimatan Kos:</div>
</div>
<div>
<ul style="text-align: left;">
<li>Diskaun 20% ke atas Duti Setem bagi penyempurnaan Dokumen Perundangan Bank</li>
<li>Tiada yuran pemprosesan</li>
</ul>
<div>
<div>
Dokumen yang diperlukan:</div>
<div>
<ul style="text-align: left;">
<li>Salinan Kad Pengenalan</li>
<li>Perjanjian Jual Beli</li>
<li>Bagi pendapatan tetap :</li>
<li>Penyata gaji 3 bulan terkini</li>
<li>Penyata akaun gaji 3 bulan terkini</li>
<li>Surat pengesahan jawatan dari majikan</li>
<li>Penyata Pendapatan Tetap / Borang BE / Penyata KWSP</li>
<li>Lain lain dokumen pendapatan</li>
</ul>
</div>
<div>
Bagi pemilik perniagaan :</div>
<div>
<ul style="text-align: left;">
<li>Pendaftaran Syarikat / Perniagaan</li>
<li>6 bulan penyata bank terkini</li>
<li>3 tahun penyata kewangan</li>
<li>Borang B terkini</li>
<li>Lain-lain dokumen pendapatan</li>
</ul>
<div>
Itu sahaja penerangan yang ringkas untuk Pinjaman Perumahan Bank Islam bagi tawaran Pembiayaan Rumah Baiti. Untuk memohon anda digalakkan untuk memohon sendiri di cawangan-cawangan Bank Islam yang terdapat di tempat anda bagi mengelakkan segala kesulitan dan penipuan.</div>
<div>
<br /></div>
<div>
Untuk tawaran pinjaman Skim Perumahan SJKP dan Skim Rumah Pertamaku, saya akan terangkan pada hari yang lain.</div>
</div>
</div>
</div>
</div>
</div>
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Unknownnoreply@blogger.com2tag:blogger.com,1999:blog-8979260425956576546.post-58865763996244827312014-12-28T18:05:00.000-08:002014-12-28T18:11:58.896-08:00Masyarakat boleh memilih skim pinjaman mengikut citarasa<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjkZGCComyn7lruAwGmYuKe0zdj2YaYl6DwM3GEHxK8iYOr2fks-TAgWMR-7YT0kjJFsxU9wtjKnADS9AV0XMiTGGO3BWwJdITLKMjgBwzkuqd4Sr52Vr8oZdKhym9BVok8B0DncKQRsByx/s1600/images+(1).jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjkZGCComyn7lruAwGmYuKe0zdj2YaYl6DwM3GEHxK8iYOr2fks-TAgWMR-7YT0kjJFsxU9wtjKnADS9AV0XMiTGGO3BWwJdITLKMjgBwzkuqd4Sr52Vr8oZdKhym9BVok8B0DncKQRsByx/s1600/images+(1).jpg" height="268" width="400" /></a></div>
<div style="text-align: center;">
<br /></div>
<span style="background-color: white; font-family: Arial, sans-serif; line-height: 20px;">Bank Islam Malaysia Berhad (BIMB) juga turut mempromosikan beberapa skim pinjaman kepada masyarakat umum yang berkelayakkan. Antara skim yang ditawarkan adalah Skim Pembiayaan Peribadi-i yang ditawarkan dalam bentuk Pakej dan Bukan Pakej. </span><br />
<span style="background-color: white; font-family: Arial, sans-serif; line-height: 20px;"><br /></span>
<span style="background-color: white; font-family: Arial, sans-serif; line-height: 20px;">Dua kategori ini diperkenalkan kepada umum bagi membolehkan masyarakat memilih skim pinjaman mengikut citarasa dan kesesuaian masing-masing. Amaun minimum yang dihadkan dalam pinjaman peribadi ini adalah sebanyak RM10000 dan RM200,000 bagi amaun maksimum pinjaman yang dibenarkan oleh pihak Bank Islam Malaysia Berhad. </span><br />
<span style="background-color: white; font-family: Arial, sans-serif; line-height: 20px;"><br /></span>
<a href="https://encrypted-tbn1.gstatic.com/images?q=tbn:ANd9GcTtQDQRaCHzImxo7e5wa8DVCfPdeQGXkQQS12lE1Pbd03eREFQI" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://encrypted-tbn1.gstatic.com/images?q=tbn:ANd9GcTtQDQRaCHzImxo7e5wa8DVCfPdeQGXkQQS12lE1Pbd03eREFQI" /></a><span style="background-color: white; font-family: Arial, sans-serif; line-height: 20px;">Namun, seperti skim-skim pinjaman peribadi yang diperkenalkan oleh bank-bank yang lain, BIMB meletakkan syarat bagi pihak peminjam bahawa mereka mestilah mempunyai pendapatan tetap sekurang-kurangnya RM1500 sebulan. </span><br />
<span style="background-color: white; font-family: Arial, sans-serif; line-height: 20px;"><br /></span>
<span style="background-color: white; font-family: Arial, sans-serif; line-height: 20px;">Pemohon pinjaman juga mestilah terdiri daripada pekerja-pekerja yang berkhidmat dalam sektorkerajaan, syarikat senarai awam yang terpilih, anak-anak syarikat kerajaan, syarikat sendirian berhad yang terpilih yang diketegorikan di bawah pakej syarikat yang disenaraikan oleh pihak Bank Islam. </span><br />
<span style="background-color: white; font-family: Arial, sans-serif; line-height: 20px;"><br /></span>
<span style="background-color: white; font-family: Arial, sans-serif; line-height: 20px;">Lebih menarik lagi apabila skim pinjaman peribadi ini turut mengandungi pelan perlindungan Takaful. Pembayaran semula boleh dilakukan melalui potongan gaji ataupun pindahan gaji ke bank Islam dengan melalui arahan Autodebit. Tempoh pembayaran semula yang dikenakan adalah maksimum 15 tahun atau 180 bulan ataupun sehingga umur persaraan dengan melihat yang mana lebih awal.</span><br />
<span style="background-color: white; font-family: Arial, sans-serif; line-height: 20px;"><br /></span>
<span style="background-color: white; font-family: Arial, sans-serif; line-height: 20px;">Pinjaman seperti ini mungkin begitu sesuai untuk kakitangan kerajaan. Sungguhpun begitu, Pembiayaan Peribadi-I dengan pakej ini mengenakan faedah yang paling tinggi adalah sebanyak 5.50% setahun bagi tempoh pembayaran 11 tahun sehingga ke 15 tahun.</span><br />
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Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-8979260425956576546.post-35243205911421082102014-12-26T17:56:00.001-08:002014-12-26T17:56:46.429-08:00Pinjaman Terkini Aeon i-Cash Bai Al Inah<div dir="ltr" style="text-align: left;" trbidi="on">
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<div style="color: #333333; font-family: Lora, Georgia, 'Times New Roman', Times; font-size: 16px; line-height: 25px; margin-bottom: 25px; padding: 0px;">
AEON iCash adalah berlandaskan prinsip Bai Al Inah dan<b> </b>disahkan oleh Penasihat Syariah.</div>
<div style="color: #333333; font-family: Lora, Georgia, 'Times New Roman', Times; font-size: 16px; line-height: 25px; margin-bottom: 25px; padding: 0px;">
<b>Jumlah Pembiayaan </b></div>
<div style="color: #333333; font-family: Lora, Georgia, 'Times New Roman', Times; font-size: 16px; line-height: 25px; margin-bottom: 25px; padding: 0px;">
Pembiayaan dari RM1,000 sehingga RM50,000<span id="more-38"></span></div>
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</div>
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Had pembiayaan adalah berdasarkan gaji bersih bulanan pelanggan. Pada purata 5 x gaji kasar individu selepas ditolak komitmen tetap pemohon.</div>
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<strong>Syarat-syarat Minimum</strong></div>
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<li style="background-attachment: initial; background-clip: initial; background-image: url(http://www.pinjamanpro.com/wp-content/themes/focus/images/icon-right.png); background-origin: initial; background-position: 2px 7px; background-repeat: no-repeat; background-size: initial; list-style-type: none; margin: 0px 0px 5px 20px; padding: 0px 0px 0px 20px;">Warganegara Malaysia atau penduduk tetap</li>
</ul>
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<li style="background-attachment: initial; background-clip: initial; background-image: url(http://www.pinjamanpro.com/wp-content/themes/focus/images/icon-right.png); background-origin: initial; background-position: 2px 7px; background-repeat: no-repeat; background-size: initial; list-style-type: none; margin: 0px 0px 5px 20px; padding: 0px 0px 0px 20px;">Umur 18 tahun dan ke atas</li>
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<strong>Ciri-ciri Pinjaman</strong></div>
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1. <strong>Kelulusan cepat</strong></div>
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Proses kelulusan biasanya antara 1-3 hari. Tertakluk kepada jumlah kewangan. Terma dan Syarat.</div>
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Setelah diluluskan, biasanya jumlah pembiayaan yang diluluskan akan dipindahkan (dimasukkan) ke akaun simpanan/semasa bank yang dilantik.</div>
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Atau kaedah lain ialah pelanggan boleh mengeluarkan wang secara terus daripada ATM AEON </div>
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2. <b>Kadar menarik</b> serendah 0.84% sebulan.</div>
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Kadar keuntungan yang boleh dikenakan adalah berdasarkan jumlah kewangan dan pelanggan status Ahli Kad Express atau Ahli Kad tidak Express.</div>
<table border="0" cellpadding="0" cellspacing="1" style="color: #333333; font-family: Lora, Georgia, 'Times New Roman', Times; font-size: 16px; line-height: 25px; width: 100%px;"><tbody>
<tr><td width="25%"><div align="center" style="line-height: 1.5625; margin-bottom: 25px; padding: 0px;">
<b>Jumlah pembiayaan (RM)</b></div>
</td><td><div align="center" style="line-height: 1.5625; margin-bottom: 25px; padding: 0px;">
<b>Ahli kad kredit AEON</b></div>
</td><td width="25%"><div align="center" style="line-height: 1.5625; margin-bottom: 25px; padding: 0px;">
<b>Ahli Kad AEON Express</b></div>
</td><td width="25%"><div align="center" style="line-height: 1.5625; margin-bottom: 25px; padding: 0px;">
<b>Bukan ahli</b></div>
</td></tr>
<tr><td valign="top"><div align="center" style="line-height: 1.5625; margin-bottom: 25px; padding: 0px;">
Di bawah RM5, 000</div>
</td><td><div align="center" style="line-height: 1.5625; margin-bottom: 25px; padding: 0px;">
1.2%</div>
</td><td><div align="center" style="line-height: 1.5625; margin-bottom: 25px; padding: 0px;">
1.2%</div>
</td><td><div align="center" style="line-height: 1.5625; margin-bottom: 25px; padding: 0px;">
1.5%</div>
</td></tr>
<tr><td valign="top"><div align="center" style="line-height: 1.5625; margin-bottom: 25px; padding: 0px;">
5,000 – 50,000</div>
</td><td><div align="center" style="line-height: 1.5625; margin-bottom: 25px; padding: 0px;">
0.8%</div>
</td><td><div align="center" style="line-height: 1.5625; margin-bottom: 25px; padding: 0px;">
0.84%</div>
</td><td><div align="center" style="line-height: 1.5625; margin-bottom: 25px; padding: 0px;">
0.84%</div>
</td></tr>
</tbody></table>
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<br /></div>
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3.<b> Tempoh pembayaran balik antara 6 bulan hingga 60 bulan. </b></div>
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Anda boleh memilih tempoh pembayaran balik 6, 9, 12, 15, 18, 24, 30, 36, 48 dan 60 bulan</div>
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<br /></div>
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4. <b>Dokumen Diperlukan</b></div>
<div style="color: #333333; font-family: Lora, Georgia, 'Times New Roman', Times; font-size: 16px; line-height: 25px; margin-bottom: 25px; padding: 0px;">
Hanya perlu mengemukakan slip gaji dan Mykad*.</div>
<table border="0" cellpadding="0" style="color: #333333; font-family: Lora, Georgia, 'Times New Roman', Times; font-size: 16px; line-height: 25px; width: 535px;"><tbody>
<tr><td><div align="center" style="line-height: 1.5625; margin-bottom: 25px; padding: 0px;">
<b>Pekerja bergaji</b></div>
</td><td><div align="center" style="line-height: 1.5625; margin-bottom: 25px; padding: 0px;">
<b>Bekerja sendiri</b></div>
</td></tr>
<tr><td> • Kad Pengenalan</td><td> • Kad Pengenalan</td></tr>
<tr><td> • penyata gaji 3 bulan terkini (payslip 1 bulan untuk pekerja Multi<br />National Company atau MNC)</td><td> • Sijil Pendaftaran Perniagaan atau Syarikat (ROB & ROC)</td></tr>
<tr><td> • buku akaun simpanan bank dikemaskini terkini atau penyata bank terkini (untuk tujuan pengesahan)</td><td> • Penyata 3 bulan terkini akaun semasa utama Syarikat</td></tr>
<tr><td> • Penyata KWSP terkini<br />(Digalakkan untuk mencetak di kaunter kiosk AEON), atau</td><td> • Penyata bank terkini atau buku akaun simpanan dikemaskini (untuk tujuan pengesahan)</td></tr>
<tr><td> • Akaun Gaji terkini yang menunjukkan gaji dikreditkan atau</td><td> • Borang BE terkini / borang E & resit bayaran cukai</td></tr>
<tr><td> • Borang BE terkini / E & resit bayaran cukai</td><td></td></tr>
</tbody></table>
<div style="color: #333333; font-family: Lora, Georgia, 'Times New Roman', Times; font-size: 16px; line-height: 25px; margin-bottom: 25px; padding: 0px;">
Nota: AEON Credit berhak untuk meminta dokumen tambahan daripada pemohon jika dianggap perlu.</div>
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<br /></div>
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5.<b> </b>Tiada penjamin, tiada cagaran & tiada deposit keselamatan.</div>
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<br /></div>
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6. <b>Caj</b> <strong>berkaitan</strong>: Duti setem akan ditolak daripada jumlah pinjaman anda apabila diluluskan.</div>
<div style="color: #333333; font-family: Lora, Georgia, 'Times New Roman', Times; font-size: 16px; line-height: 25px; margin-bottom: 25px; padding: 0px;">
Untuk AEON iCash yuran pemprosesan adalah 6% dikenakan bagi jumlah kewangan antara RM 1,000 – RM 4,999.</div>
<div style="color: #333333; font-family: Lora, Georgia, 'Times New Roman', Times; font-size: 16px; line-height: 25px; margin-bottom: 25px; padding: 0px;">
Tiada yuran pemprosesan bagi jumlah kewangan di antara RM 5,000 -. RM 50,000.</div>
<div style="color: #333333; font-family: Lora, Georgia, 'Times New Roman', Times; font-size: 16px; line-height: 25px; margin-bottom: 25px; padding: 0px;">
RM5 duti setem bagi setiap RM1, 000 jumlah pembiayaan yang dikenakan bayaran.</div>
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<br /></div>
<h2 style="color: #244c5e; font-family: 'Yanone Kaffeesatz', sans-serif; font-size: 42px; font-weight: normal; line-height: 1.25; margin: 0px 0px 10px; padding: 0px;">
Cara Memohon</h2>
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4 Langkah Mudah Memohon</div>
<div style="color: #333333; font-family: Lora, Georgia, 'Times New Roman', Times; font-size: 16px; line-height: 25px; margin-bottom: 25px; padding: 0px;">
1. Muat turun & cetak borang permohonan di laman web www.aeonmalaysia.com.my</div>
<div style="color: #333333; font-family: Lora, Georgia, 'Times New Roman', Times; font-size: 16px; line-height: 25px; margin-bottom: 25px; padding: 0px;">
2. Isi semua maklumat yang diperlukan, tandatangan pada borang dan lampirkan semua dokumen yang diperlukan.</div>
<div style="color: #333333; font-family: Lora, Georgia, 'Times New Roman', Times; font-size: 16px; line-height: 25px; margin-bottom: 25px; padding: 0px;">
3. Kemukakan borang permohonan melalui saluran berikut:</div>
<div style="color: #333333; font-family: Lora, Georgia, 'Times New Roman', Times; font-size: 16px; line-height: 25px; margin-bottom: 25px; padding: 0px;">
i. Cawangan kauter AEON yang terdekat ATAU<br />ii. Pos ke AEON Credit Service (M) Berhad, Level 29, Menara Olympia, No 8, Jalan Raja Chulan, 50200 KL ATAU<br />iii. Faks ke 03-2036 5988</div>
<div style="color: #333333; font-family: Lora, Georgia, 'Times New Roman', Times; font-size: 16px; line-height: 25px; margin-bottom: 25px; padding: 0px;">
4. Sila hubungi pejabat AEON di 03-27199999 sekiranya anda memerlukan bantuan atau pertanyaan lanjut.</div>
</div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-8979260425956576546.post-18642685920890442892014-12-23T20:06:00.000-08:002014-12-23T20:06:34.052-08:00Pakej Pinjaman Peribadi Bank Islam<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="color: #b20c46; font-size: small;"><br /></span>
<span style="color: #b20c46; font-size: small;">Ciri-Ciri</span></div>
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<b>Amaun Pembiayaan</b></div>
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<ul type="disc">
<li style="color: black; line-height: normal;"><div align="justify">
<span style="color: black;">Berdasarkan had kelayakan dan tertakluk pada amaun minimum sebanyak RM10,000 dan amaun maksimum sebanyak RM200,000<br /> </span></div>
</li>
</ul>
</div>
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<b><span style="font-family: Arial; font-size: x-small;">Tempoh Pembayaran</span></b></div>
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<li style="color: black;"><div align="justify">
<span style="font-family: Arial; font-size: x-small;">Maksimum 10 tahun (120 bulan) atau sehingga umur persaraan, yang mana lebih awal<br /> </span></div>
</li>
</ul>
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<b><span style="font-family: Arial; font-size: x-small;">Tawaran Kadar Pembiayaan</span></b></div>
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<u><span style="color: #b20c46; font-family: Arial; font-size: x-small;">Kadar Tetap</span></u></div>
<ul style="-webkit-text-stroke-width: 0px; background-color: white; color: black; font-family: verdana, arial, helvetica, sans-serif; font-size: 11px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: left; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;">
<li><div align="justify">
<span style="font-family: Arial; font-size: x-small;">1-3 tahun: 3.25% setahun (dengan Penulisan Wasiat, langganan produk-produk BancaTakaful atau Kad Bank Islam-i)</span></div>
</li>
<li><div align="justify">
<span style="font-family: Arial; font-size: x-small;">1-3 tahun: 3.50% setahun</span></div>
</li>
<li><div align="justify">
<span style="font-family: Arial; font-size: x-small;">4-10 tahun: 4.99% setahun</span></div>
</li>
</ul>
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<u><span style="color: #b20c46; font-family: Arial; font-size: x-small;">Kadar Terapung (Kadar Pembiayaan Asas (KPA))</span></u></div>
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<ul>
<li><span style="font-family: Arial; font-size: x-small;">1-3 tahun : KPA - 1.65% setahun</span></li>
<li><span style="font-family: Arial; font-size: x-small;">4-10 tahun : KPA - 0.35% setahun</span></li>
</ul>
<span style="font-family: Arial; font-size: x-small;">Nota: Kadar Pembiayaan Asas terkini – 6.60% setahun.</span></div>
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<span style="font-family: Arial; font-size: x-small;"></span></div>
<strong style="background-color: white; font-family: verdana, arial, helvetica, sans-serif; font-size: 11px;"></strong><span style="background-color: white; font-family: verdana, arial, helvetica, sans-serif; font-size: 11px;"></span><b style="background-color: white; font-family: verdana, arial, helvetica, sans-serif; font-size: 11px;"><span style="color: #b20c46; font-family: Arial; font-size: small;">Kelayakan</span></b><br />
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</div>
<ul style="background-color: white; font-family: verdana, arial, helvetica, sans-serif; font-size: 11px;">
<li><div align="justify">
<span style="font-family: Arial; font-size: x-small;">Pemohon hendaklah berumur 18 tahun dan tidak melebihi umur persaraan pada tempoh akhir pembayaran</span></div>
</li>
<li><div align="justify">
<span style="font-family: Arial; font-size: x-small;">Warganegara Malaysia</span></div>
</li>
<li><div align="justify">
<span style="font-family: Arial; font-size: x-small;">Mempunyai pendapatan tetap minimum RM2,000 sebulan</span></div>
</li>
<li><div align="justify">
<span style="font-family: Arial; font-size: x-small;">Pemohon hendaklah terus menjadi pekerja dalam sektor-sektor yang berikut:</span></div>
<ul>
<li type="square"><div align="justify">
<span style="font-family: Arial; font-size: x-small;">Sektor Kerajaan</span></div>
</li>
<li type="square"><div align="justify">
<span style="font-family: Arial; font-size: x-small;">Syarikat Senarai Awam Terpilih</span></div>
</li>
<li type="square"><div align="justify">
<span style="font-family: Arial; font-size: x-small;">Anak-anak Syarikat Kerajaan atau Syarikat Senarai Awam Terpilih</span></div>
</li>
<li type="square"><div align="justify">
<span style="font-family: Arial; font-size: x-small;">Syarikat Sendirian Berhad Terpilih yang lain yang dikategorikan di bawah pakej syarikat yang disenaraikan oleh Bank Islam</span></div>
</li>
</ul>
</li>
<li><div align="justify">
<span style="font-family: Arial; font-size: x-small;">Nisbah Bayar Balik Hutang (NBBH) hendaklah tidak melebihi 50% (jika bukan pemilik rumah) atau 60% (jika bukan pemilik rumah) daripada gaji bersih selepas potongan berkanun.</span></div>
</li>
<li><div align="justify">
<span style="font-family: Arial; font-size: x-small;">Bagi yang berpendapatan melebihi RM 7,000, (NBBH) hendaklah tidak melebihi 55% (jika bukan pemilik rumah) atau 75% (jika bukan pemilik rumah) daripada gaji bersih selepas potongan berkanun.</span></div>
</li>
</ul>
<div align="justify" style="background-color: white; font-family: verdana, arial, helvetica, sans-serif; font-size: 11px;">
<b><span style="font-family: Arial; font-size: x-small;">Perlindungan Takaful</span></b></div>
<ul style="background-color: white; font-family: verdana, arial, helvetica, sans-serif; font-size: 11px;">
<li><div align="justify">
<span style="font-family: Arial; font-size: x-small;">Pelan Takaful Pembiayaan Peribadi<br /> </span></div>
</li>
</ul>
<div align="justify" style="background-color: white; font-family: verdana, arial, helvetica, sans-serif; font-size: 11px;">
<b><span style="font-family: Arial; font-size: x-small;">Fi Wakalah</span></b></div>
<ul style="background-color: white; font-family: verdana, arial, helvetica, sans-serif; font-size: 11px;">
<li><div align="justify">
<span style="font-family: Arial; font-size: x-small;">RM50.00 – Kerana menjadi ejen pelanggan untuk menjual komoditi kepada Broker<br /> </span></div>
</li>
</ul>
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<div align="justify" style="background-color: white; font-family: verdana, arial, helvetica, sans-serif; font-size: 11px;">
<b><span style="font-family: Arial; font-size: x-small;">Dokumen yang diperlukan</span></b></div>
<ul style="background-color: white; font-family: verdana, arial, helvetica, sans-serif; font-size: 11px;">
<li><div align="justify">
<span style="font-family: Arial; font-size: x-small;">Fotokopi kad pengenalan</span></div>
</li>
<li><div align="justify">
<span style="font-family: Arial; font-size: x-small;">Slip gaji 3 bulan terkini</span></div>
</li>
<li><div align="justify">
<span style="font-family: Arial; font-size: x-small;">Surat pengesahan jawatan terkini</span></div>
</li>
<li><div align="justify">
<span style="font-family: Arial; font-size: x-small;">Penyata bank terkini selama 3 bulan (pengkreditan gaji) </span></div>
</li>
</ul>
<div style="background-color: white; font-family: verdana, arial, helvetica, sans-serif; font-size: 11px;">
<span style="font-family: Arial; font-size: x-small;"> dan sekurang-kurangnya satu daripada berikut:</span></div>
<ul style="background-color: white; font-family: verdana, arial, helvetica, sans-serif; font-size: 11px;">
<li><div align="justify">
<span style="font-family: Arial; font-size: x-small;">Penyata pendapatan terkini (Borang BE/eBE/EA/EC); atau</span></div>
</li>
<li><div align="justify">
<span style="font-family: Arial; font-size: x-small;">Sebarang dokumen sokongan seperti penyata KWSP terkini, jika perlu </span></div>
</li>
</ul>
<div align="justify" style="background-color: white; font-family: verdana, arial, helvetica, sans-serif; font-size: 11px;">
<b><span style="font-family: Arial; font-size: x-small;">Kaedah Pembayaran</span></b></div>
<ul style="background-color: white; font-family: verdana, arial, helvetica, sans-serif; font-size: 11px;">
<li><div align="justify">
<span style="font-family: Arial; font-size: x-small;">Potongan gaji</span></div>
</li>
<li><div align="justify">
<span style="font-family: Arial; font-size: x-small;">Pindahan Gaji ke Bank Islam dengan arahan Autodebit</span></div>
</li>
</ul>
<div align="justify" style="background-color: white; font-family: verdana, arial, helvetica, sans-serif; font-size: 11px;">
<br />
<b><span style="color: #b20c46; font-family: Arial; font-size: small;">Manfaat</span></b></div>
<ul style="background-color: white; font-family: verdana, arial, helvetica, sans-serif; font-size: 11px;">
<li><div align="justify">
<span style="font-family: Arial; font-size: x-small;">Kadar yang kompetitif</span></div>
</li>
<li><div align="justify">
<span style="font-family: Arial; font-size: x-small;">Tanpa caj terselindung</span></div>
</li>
<li><div align="justify">
<span style="font-family: Arial; font-size: x-small;">Tanpa penjamin</span></div>
</li>
<li><div align="justify">
<span style="font-family: Arial; font-size: x-small;">Tanpa deposit</span></div>
</li>
<li><div align="justify">
<span style="font-family: Arial; font-size: x-small;">Tanpa fi pemprosesan</span></div>
</li>
<li><div align="justify">
<span style="font-family: Arial; font-size: x-small;">Tempoh pembiayaan yang fleksibel</span></div>
</li>
<li><div align="justify">
<span style="font-family: Arial; font-size: x-small;">Harga jualan – tetap dan diketahui</span></div>
</li>
<li><div align="justify">
<span style="font-family: Arial; font-size: x-small;">Kelulusan cepat</span></div>
</li>
</ul>
<div align="justify" style="background-color: white; font-family: verdana, arial, helvetica, sans-serif; font-size: 11px;">
<div align="justify">
<b><span style="color: #b20c46; font-family: Arial; font-size: x-small;">Lembaran Pendedahan Produk</span></b></div>
<ul>
<li><div align="justify">
<span style="color: black; font-family: Arial; font-size: x-small;"><a href="http://www.bankislam.com.my/en/Documents/Consumer/PDS-080713-PersonalFinancing.pdf" style="color: #003399; text-decoration: none;" target="_blank"><span style="color: black;">Pembiayaan Peribadi-i</span></a></span></div>
</li>
</ul>
</div>
</div>
Unknownnoreply@blogger.com2tag:blogger.com,1999:blog-8979260425956576546.post-59621296615541867332014-10-29T20:55:00.001-07:002014-10-29T21:08:48.727-07:00Pinjaman Peribadi di Malaysia<div dir="ltr" style="text-align: left;" trbidi="on">
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<h1 class="title" style="line-height: 1; margin: 0em auto 1em;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: small;"><span style="background-color: white; font-weight: normal; line-height: 14px;">Dibandingkan dengan semua jenis pinjaman, pinjaman peribadi adalah pinjaman yang paling senang dan mudah diperolehi. Di Malaysia, anda boleh mendapat kelulusan pinjaman peribadi dalam masa satu hari. </span><span style="background-color: white; font-weight: normal; line-height: 14px;">Pinjaman peribadi tidak sama dengan pinjaman yang lain (e.g. pinjaman perumahan/pinjaman kereta) di mana penggunaan wang telah ditentukan, pinjaman peribadi adalah pinjaman tunai. </span><span style="background-color: white; font-weight: normal; line-height: 14px;">Anda boleh melakukan apa sahaja denga wang pinjaman tersebut – pengubahsuaian rumah, bil pembaikan kereta, menyelesaikan hutang dan sebagainya. Jika anda berniat untuk mendapatkan satu pinjaman peribadi, ada beberapa perkara yang anda perlu tahu.</span></span></h1>
<h3 class="wysiwyg-text-align-justify" style="line-height: 1; margin: 0px auto 1em;">
<b><span style="background-color: white; font-family: Arial, Helvetica, sans-serif; font-size: small;">Pengiraan faedah</span></b></h3>
<div class="wysiwyg-text-align-justify" style="margin-bottom: 1em; margin-top: 1em;">
<span style="background-color: white; font-family: Arial, Helvetica, sans-serif;">Tidak seperti pinjaman rumah yang menggunakan kaedah reducing balance – pengiraan faedah pinjaman peribadi manggunakan kaedah kadar faedah rata. Sebagai garis panduan, kadar faedah semasa bagi pinjaman peribadi adalah 1.7 – 1.9x daripada kadar faedah yang dinyatakan. Oleh itu, kos sebenar untuk pinjaman peribadi yang dinyatakan sebagai 9% p.a. sepanjang 5 tahun sebenarnya adalah 15.39% dalam kadar faedah semasa.</span></div>
<h3 style="line-height: 1; margin: 0px auto 1em;">
<b><span style="background-color: white; font-family: Arial, Helvetica, sans-serif; font-size: small;">Kelayakan dan Saiz Pinjaman</span></b></h3>
<div class="wysiwyg-text-align-justify" style="margin-bottom: 1em; margin-top: 1em;">
<span style="background-color: white; font-family: Arial, Helvetica, sans-serif;">Anda boleh mendapatkan pinjaman peribadi untuk sekurang-kurangnya <b>RM2,000</b> hingga sebanyak <b>RM250,000</b>, bergantung kepada jumlah pendapatan anda. Jika anda memohon untuk pinjaman bersama, keupayaan pendapatan oleh semua peminjam juga akan diambil kira.</span><br />
<span style="background-color: white; font-family: Arial, Helvetica, sans-serif;"><br /></span>
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<h3 class="wysiwyg-text-align-justify" style="line-height: 1; margin: 0px auto 1em;">
<b><span style="background-color: white; font-family: Arial, Helvetica, sans-serif; font-size: small;">Bercagar vs Tidak Bercagar.</span></b></h3>
<div class="wysiwyg-text-align-justify" style="margin-bottom: 1em; margin-top: 1em;">
<span style="background-color: white; font-family: Arial, Helvetica, sans-serif;">Sesuatu pinjaman yang memerlukan cagaran (seperti rumah, kereta, cagaran/jaminan? deposit tetap) atau penjamin adalah dikenali sebagai pinjaman bercagar. Pinjaman yang tidak memerlukan cagaran dikenali sebagai pinjaman tidak bercagar. Pinjaman bercagar mempunyai kadar faedah yang lebih murah tetapi anda perlu menghadapi risiko kehilangan asset yang dicagarkan jika anda gagal dalam bayaran. Kebanyakan pinjaman peribadi yang ditawarkan oleh bank-bank di Malaysia adalah jenis pinjaman tidak bercagar dan oleh itu tidak memerlukan cagaran.</span></div>
<h3 style="line-height: 1; margin: 0px auto 1em;">
<b><span style="background-color: white; font-family: Arial, Helvetica, sans-serif; font-size: small;">Islamic vs Pembiayaan Konvensional</span></b></h3>
<div class="wysiwyg-text-align-justify" style="margin-bottom: 1em; margin-top: 1em;">
<span style="background-color: white; font-family: Arial, Helvetica, sans-serif;">Dalam Malaysia, seperti produk-produk bank yang lain, pembiayaan yang boleh dipilih untuk pinjaman peribadi adalah pembiayaan <a href="http://loanstreet.com.my/ms/pusat-pembelajaran/pembiayaan-islamic-vs-konvensional-" style="border-bottom-color: rgb(85, 85, 85); border-bottom-style: dotted; border-bottom-width: 1px; color: #555555; text-decoration: none;" target="_blank">Konvensional atau Islamik </a>.</span></div>
<div class="wysiwyg-text-align-justify" style="margin-bottom: 1em; margin-top: 1em;">
<span style="background-color: white; font-family: Arial, Helvetica, sans-serif;">Kakitangan kerajaan dan <i><b>Government Linked Companie </b></i>(GLC)</span></div>
<div class="wysiwyg-text-align-justify" style="margin-bottom: 1em; margin-top: 1em;">
<span style="background-color: white; font-family: Arial, Helvetica, sans-serif;">Jika anda ialah seorang pekerja atau bekerja dalam Syarikat Berkaitan Kerajaan (GLC), anda juga layak untuk memohon pakej pinjaman peribadi yang direka khas untuk penjawat awam dan GLCs. Biasanya ia menawarkan kadar faedah yang lebih baik, tetapi anda perlu bersetuju untuk membayar pinjaman dengan potongan gaji bulanan melalui <a href="http://www.angkasa.coop/" style="border-bottom-color: rgb(85, 85, 85); border-bottom-style: dotted; border-bottom-width: 1px; color: #555555; text-decoration: none;" target="_blank">Angkasa</a>.</span></div>
<h3 class="wysiwyg-text-align-justify" style="line-height: 1; margin: 0px auto 1em;">
<b><span style="background-color: white; font-family: Arial, Helvetica, sans-serif; font-size: small;">Bank vs Pemberi pinjaman bukan bank</span></b></h3>
<div class="wysiwyg-text-align-justify" style="margin-bottom: 1em; margin-top: 1em;">
<span style="background-color: white; font-family: Arial, Helvetica, sans-serif;">Di Malaysia, terdapat 2 jenis pemberi pinjaman yang utama. Pertama ialah bank komersial yang dikenali ramai (Maybank, RHB, CIMB, Standard Chartered, Alliance dan lain-lain). Kebanyakan orang, ini adalah pilihan untuk mendapatkan pinjaman di mana kadar yang ditawarkan oleh bank biasanya adalah lebih rendah jika dibandingkan dengan pemberi pinjaman yang lain. Tambahan lagi, sekiranya hutang dipulihkan, seseorang boleh yakin bahawa ia akan dilakukan melalui kaedah undang-undang yang betul. Walau bagaimanapun, criteria kelayakan bagi bank adalah lebih ketat.</span></div>
<div class="wysiwyg-text-align-justify" style="margin-bottom: 1em; margin-top: 1em;">
<span style="background-color: white; font-family: Arial, Helvetica, sans-serif;">Untuk orang yang tidak layak mendapatkan pinjaman peribadi daripada bank, terdapat pilihan untuk mereka mendapatkan daripada pemberi pinjaman wang yang berlesen. Tadbir Urus pemberi pinjaman wang berlesen dan pajak gadai adalah di bawah bidang kuasa <a href="http://www.kpkt.gov.my/kpkt_bi_2013/" style="border-bottom-color: rgb(85, 85, 85); border-bottom-style: dotted; border-bottom-width: 1px; color: #555555; text-decoration: none;" target="_blank">Kementerian Kesejahteraan Bandar, Perumahan dan Kerajaan Tempatan</a> (bukan <a href="http://www.bnm.gov.my/" style="border-bottom-color: rgb(85, 85, 85); border-bottom-style: dotted; border-bottom-width: 1px; color: #555555; text-decoration: none;" target="_blank">Bank Negara</a> atau <a href="http://www.treasury.gov.my/" style="border-bottom-color: rgb(85, 85, 85); border-bottom-style: dotted; border-bottom-width: 1px; color: #555555; text-decoration: none;" target="_blank">Kementerian Kewangan</a>). Terdapat kira-kira 3,000 Peminjam Wang Berlesen di Malaysia. Kadar faedah yang dikenakan untuk pinjaman peribadi daripada pemberi pinjaman tersebut adalah biasanya <b>12% p.a</b>. (biasanya diiklankan sebagai <b>1% sebulan</b>) untuk pinjaman bercagar, dan <b>18% p.a</b>. (biasanya diiklankan sebagai <b>1.5% sebulan</b>) untuk pinjaman tidak bercagar. Sebenarnya, ini adalah caj maksimum yang dibenarkan seperti yang ditetapkan oleh Money Lenders Act 1951. Akan tetapi, haruslah berhati-hati kerana pemberi pinjaman itu biasanya mencari jalan untuk mengenakan lain-lain caj.</span></div>
<h3 class="wysiwyg-text-align-justify" style="line-height: 1; margin: 0px auto 1em;">
<span style="background-color: white; font-family: Arial, Helvetica, sans-serif; font-size: small;">Perhatian</span></h3>
<ol style="line-height: 14px; margin: 1em 0px; padding: 0px 0px 0px 40px;">
<li><span style="background-color: white; font-family: Arial, Helvetica, sans-serif;">Sesetengah bank menawarkan pengecualian Dalam pemprosesan / yuran dokumentasi / duti setem. Sesetengah bank menawarkan pengecualian.</span></li>
<li><span style="background-color: white; font-family: Arial, Helvetica, sans-serif;">Yuran / penalti penyelesaian awal</span></li>
<li><span style="background-color: white; font-family: Arial, Helvetica, sans-serif;">Jika anda mahu melakukan <a href="http://loanstreet.com.my/calculator/78settlecalc.html" style="border-bottom-color: rgb(85, 85, 85); border-bottom-style: dotted; border-bottom-width: 1px; color: #555555; text-decoration: none;" target="_blank">penyelesaian awal pinjaman peribadi</a> anda, jumlah penyelesaian bukan jumlah pinjaman baki, tetapi dikira dengan menggunakan <a href="http://en.wikipedia.org/wiki/Rule_of_78s" style="border-bottom-color: rgb(85, 85, 85); border-bottom-style: dotted; border-bottom-width: 1px; color: #555555; text-decoration: none;" target="_blank">Rule of 78.</a></span></li>
<li><span style="background-color: white; font-family: Arial, Helvetica, sans-serif;">Tidak seperti pinjaman gadai janji, anda tidak akan mendapat apa-apa penjimatan wang dengan membuat bayaran tambahan untuk pinjaman.</span></li>
<li><span style="background-color: white; font-family: Arial, Helvetica, sans-serif;">Jangan sesekali meminjam dari pemberi pinjaman tidak berlesen, anda boleh memeriksa status perlesenan mana-mana pemberi pinjaman <a href="http://emaps.kpkt.gov.my/emaps/umum/cari_ppw.cfm" style="border-bottom-color: rgb(85, 85, 85); border-bottom-style: dotted; border-bottom-width: 1px; color: #555555; text-decoration: none;" target="_blank">di sini</a>.</span></li>
</ol>
<h3 class="wysiwyg-text-align-justify" style="line-height: 1; margin: 0px auto 1em;">
<span style="background-color: white; font-family: Arial, Helvetica, sans-serif; font-size: small;">Kesimpulanan</span></h3>
<div class="wysiwyg-text-align-justify" style="margin-bottom: 1em; margin-top: 1em;">
<span style="background-color: white; font-family: Arial, Helvetica, sans-serif;">Pinjaman peribadi menawarkan kelebihan dari segi fleksibiliti, dan kelulusan cepat. Walaubagaimanapun, seseorang itu perlu berdepan dengan kadar faedah yang lebih tinggi yang datang bersama dengan pakej. Akhir sekali, kita harus ingat bahawa menyimpan untuk keperluan adalah lebih baik daripada membuat pinjaman. Untuk itu, walaupun pinjaman peribadi adalah mudah untuk diperolehi, seseorang itu perlu berwaspada apabila menambah beban hutang pada diri tanpa sebab yang kukuh.</span></div>
<div style="margin-bottom: 1em; margin-top: 1em;">
<span style="background-color: white; font-family: Arial, Helvetica, sans-serif;">Ingatlah untuk menggunakan <a href="http://loanstreet.com.my/ms/personal-loan" style="border-bottom-color: rgb(85, 85, 85); border-bottom-style: dotted; border-bottom-width: 1px; color: #555555; text-decoration: none;">Wizard Perbandingan Pinjaman Peribadi</a> Loanstreet untuk mendapatkan pinjaman peribadi yang paling baik untuk keperluan anda.</span></div>
</div>
</div>
</div>
Unknownnoreply@blogger.com26tag:blogger.com,1999:blog-8979260425956576546.post-77638806437468302532014-10-02T22:15:00.000-07:002014-10-29T20:38:49.350-07:00Bank Rakyat Personal Loan Swasta<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjaHIQkjYrHbvRUQQFVpBi6ulMZVX2m3B2dHD6TeSP83x34yAvk7KvcSLsJ9lFIputUNdVY-r4mbmCeHAOdAXu9ZlPhj8xs8y-QrwZAn6uilnQoXUb4rmZOssdulF9qu6EYxsXoKUHmEQqY/s1600/bankrakyat.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjaHIQkjYrHbvRUQQFVpBi6ulMZVX2m3B2dHD6TeSP83x34yAvk7KvcSLsJ9lFIputUNdVY-r4mbmCeHAOdAXu9ZlPhj8xs8y-QrwZAn6uilnQoXUb4rmZOssdulF9qu6EYxsXoKUHmEQqY/s1600/bankrakyat.png" /></a></div>
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<table class="easy-table easy-table-cuscosky " style="background-color: white; border-collapse: collapse; border-spacing: 0px; border: 1px solid rgb(212, 224, 238); color: #555555; font-family: 'Trebuchet MS', Arial, sans-serif; font-size: 15px; line-height: 22.9500007629395px; margin: 0px 0px 1.5em; outline: 0px; padding: 0px; vertical-align: baseline; width: 500px;"><thead style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">
<tr style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><th style="background: rgb(230, 237, 245); border-collapse: collapse; border: 1px solid rgb(212, 224, 238); color: #4f76a3; font-style: inherit; margin: 0px; outline: 0px; padding: 4px; vertical-align: baseline; width: 20px;">Personal Financing-i Swasta</th></tr>
</thead><tbody style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">
<tr style="background: rgb(252, 253, 254); border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="background: rgb(247, 249, 252); border-collapse: collapse; border: 1px solid rgb(212, 224, 238); font-style: inherit; margin: 0px; outline: 0px; padding: 4px; vertical-align: baseline;">Minimum income of RM 2,000</td></tr>
<tr style="background: rgb(252, 253, 254); border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid rgb(212, 224, 238); font-style: inherit; margin: 0px; outline: 0px; padding: 4px; vertical-align: baseline;">Loan amount from RM 2,000 to Maximum of Rm 150,000 up to 9 years of financing</td></tr>
<tr style="background: rgb(252, 253, 254); border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="background: rgb(247, 249, 252); border-collapse: collapse; border: 1px solid rgb(212, 224, 238); font-style: inherit; margin: 0px; outline: 0px; padding: 4px; vertical-align: baseline;">18 years and above</td></tr>
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Bank Rayat Personal Financing-i Swasta is the personal loan package that is catered for private sector professionals such as doctors, engineer, lawyer and public listed companies employees . Financing-i Swasta is a partially unsecured loan collateral is not needed however a guarantor may be needed when required by bank as a form of security . This loan offers from RM 2,000 up to RM 200,000 of financing. This amount of financing offered would be 10 times salary for those earning RM 2,000 to RM 3,000 while 15 times salary for those who are earning RM 3,000 and above.</div>
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<strong style="border: 0px; font-family: inherit; font-style: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">Interest Rates</strong></div>
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Interest rates of this loan would vary depending on loan amount. At the moment of writing, the interest rates provided by this loan is quite competitive among other private loans in Malaysia. You can also enjoy better rate if you pay via Bank Rakyat’s saving account and Takaful package. The table below summarises the interest rates for Bank Rakyat Personal Loan.</div>
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<a href="http://www.personal-loan.my/wp-content/uploads/2013/10/bank-rakyat-interest-rates.jpg" style="border: 0px; color: #242448; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><img alt="bank rakyat interest rates" class="alignnone size-full wp-image-262" src="http://www.personal-loan.my/wp-content/uploads/2013/10/bank-rakyat-interest-rates.jpg" height="562" style="border: 0px; height: auto; max-width: 100%;" width="818" /></a></div>
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<span style="line-height: 22.9500007629395px;">This loan subjected to 0.4% stamp duty which is based on the financing amount. This fee will be deducted from the amount borrowed. There is a 1% p.a penalty for any late payment</span></div>
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<strong style="border: 0px; font-family: inherit; font-style: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">Eligibility</strong></div>
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This loan if available for Malaysian Citizens from 18 years and above. This loan has one of the youngest requirement for age. Typically a Malaysian personal loan would start from 20 years and above. You will need to have a minimum monthly income of RM 2,000 to qualify for the loan. Personal Financing-i Swasta is only catered for professionals from private sectors.</div>
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<strong style="border: 0px; font-family: inherit; font-style: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">Documents needed </strong></div>
<ul style="background-color: white; border: 0px; clear: left; color: #445263; font-family: Arial, Helvetica, sans-serif; font-size: 15px; line-height: 22.9500007629395px; list-style-image: initial; list-style-position: initial; margin: 0px 0px 1.5em 3em; outline: 0px; padding: 0px; vertical-align: baseline;">
<li style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">Photocopy IC on both sides</li>
<li style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">Latest 3 months payslip</li>
<li style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">Latest 6 months EPF statement</li>
<li style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">Confirmation employment letter</li>
<li style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">Most Recent BE form</li>
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<span style="line-height: 22.9500007629395px;">If you are keen, Financing-i Swasta repayment table without Takaful is available below</span></div>
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<a href="http://www.personal-loan.my/wp-content/uploads/2013/10/bankraykat-repayment-table.jpg" style="border: 0px; color: #242448; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><img alt="bankraykat-repayment-table" class="alignnone size-full wp-image-110" src="http://www.personal-loan.my/wp-content/uploads/2013/10/bankraykat-repayment-table.jpg" height="656" style="border: 0px; height: auto; max-width: 100%;" width="560" /></a></div>
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Unknownnoreply@blogger.com196tag:blogger.com,1999:blog-8979260425956576546.post-48232088097925119292014-08-07T19:06:00.001-07:002014-08-14T21:49:36.523-07:00Kuasa Bank Islam Mega Sumbang RM230,000 Kepada Viva Palestina<div dir="ltr" style="text-align: left;" trbidi="on">
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Petaling Jaya: Cadangan penggabungan antara Malaysia Building Society Berhad (MBSB), Kumpulan CIMB Berhad dan RHB Capital Berhad sebagai Bank Islam Mega diharap dapat membawa imej sebuah institusi perbankan Islam yang mampu bersaing di peringkat tempatan dan antarabangsa.</div>
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Ketua Pegawai Eksekutif MBSB, Datuk Ahmad Zaini Othman berkata, Bank Islam Mega itu juga mesti menjadi francais yang mencerminkan pembabitan aktif Malaysia dalam industri perbankan Islam.</div>
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“Semua pihak perlu bekerjasama untuk membentuk entiti ini dan memenuhi jangkaan industri perbankan dan Bank Negara Malaysia (BNM) untuk melihat Bank Islam Mega ini menyumbang kepada industri perbankan Islam lebih baik berbanding pada masa ini,” katanya pada majlis rumah terbuka Aidilfitri MBSB dan penyampaian sumbangan wang tunai berjumlah RM230,000 kepada Viva Palestina di sini, semalam.<br />
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Pada 10 Julai lalu, ketiga-tiga pihak diberi kebenaran oleh BNM untuk melakukan perbincangan mengenai usaha terbabit.</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjz5Y6d4WoCSlLbkseDzt87KkvQ3gPjHp7TYGZr_Pgha6grkZtrvrjUcDMGj8oOzDUMNa9lFLf8IRAyWJzmy2TPrsc14W2Gza_r3Q8dXl7GXMCc8zVuGZnhjqa03om4taL58_YL-sG2Ez7A/s1600/bank+islam+mega.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjz5Y6d4WoCSlLbkseDzt87KkvQ3gPjHp7TYGZr_Pgha6grkZtrvrjUcDMGj8oOzDUMNa9lFLf8IRAyWJzmy2TPrsc14W2Gza_r3Q8dXl7GXMCc8zVuGZnhjqa03om4taL58_YL-sG2Ez7A/s1600/bank+islam+mega.jpg" height="258" width="400" /></a></div>
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<i style="box-sizing: border-box;">PENGERUSI MBSB Tan Sri Abdul Halim Ali (tengah) bersama Ahmad zaini menyerahkan sumbangan kepada Bendahari Viva Palestina Malaysia, Puan Sri Norma Hashim.</i></div>
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Ketika ini, ketiga-tiga pihak terbabit sedang mengadakan sesi rundingan untuk melihat pembentukan sebuah Bank Islam Mega sebagai institusi yang dinamik dan berdaya saing.</div>
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Beliau berkata, pihaknya sedang menilai pelbagai kemungkinan dan pilihan termasuk melihat kembali kepada kedudukan dan kekuatan antara tiga entiti terbabit.<br />
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“Perbincangan kami masih lagi berada pada peringkat operasi dan kerja. Penasihat kewangan dan undang-undang bagi ketiga-tiga pihak sedang berbincang mengenai usaha penggabungan terbabit,” katanya.<br />
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Ahmad Zaini berkata, penggabungan itu dijangka menyumbang kepada penstrukturan pekerja bagi ketiga-tiga entiti terbabit melalui Skim Pemberhentian Sukarela (VSS), namun ia belum diputuskan.<br />
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“Pada masa ini, VSS adalah perkara yang sukar untuk dikatakan kerana kami belum mengetahui saiz sebenar penggabungan ini,” katanya.</div>
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Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-8979260425956576546.post-8287689928728984002014-08-03T23:31:00.003-07:002014-08-03T23:32:57.826-07:00Pinjaman Peribadi iLoan2u<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-family: Arial, Helvetica, sans-serif; line-height: 18px; text-align: justify;">Dapatkan pelbagai jenis pinjaman dari iloan2u seperti pinjaman peribadi, pinjaman cepat, pinjaman persaraan, pinjaman SOCSO (pinjaman PERKESO), dan lain-lain. iloan2u adalah sebuah syarikat pinjaman berlesen Malaysia yang beroperasi dengan cekap dan boleh dipercayai. Perkhidmatan pinjaman iloan2u ditawarkan dengan tujuan untuk membantu pelanggan dengan cara yang cepat dan cekap untuk keperluan kewangan mereka.</span><br />
<br />
<img alt="" src="https://iloan2u.com.my/bm/wp-content/themes/temp/img/8.png" style="border: none; font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; text-align: center;" /> Pinjaman diluluskan dalam tempoh 30 minit<br />
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<img alt="" src="https://iloan2u.com.my/bm/wp-content/themes/temp/img/9.png" style="border: none; font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; text-align: center;" /> Pelan ansuran fleksibel<br />
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<img alt="" src="https://iloan2u.com.my/bm/wp-content/themes/temp/img/10.png" style="border: none; font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; text-align: center;" /> Komisen yang tinggi untuk pengenal<br />
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<img alt="" src="https://iloan2u.com.my/bm/wp-content/themes/temp/img/12.png" style="border: none; font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; text-align: center;" /> Tiada cagaran<br />
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<img alt="" src="https://iloan2u.com.my/bm/wp-content/themes/temp/img/13.png" style="border: none; font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; text-align: center;" /> Kadar faedah yang rendah<br />
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Mohon sekarang sila kol:<br />
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<tr><td style="color: #60950b;" width="200"><b>Shah Alam</b></td><td>012-633 5993</td></tr>
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Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-8979260425956576546.post-80511509531178175912014-08-03T23:17:00.001-07:002014-08-03T23:20:26.467-07:00Universe Fastloan 4u<div dir="ltr" style="text-align: left;" trbidi="on">
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Pinjaman Peribadi</span></h3>
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<span style="background-color: white;">Pinjaman Peribadi adalah pinjaman untuk semua jenis tujuan, dimana ia akan dapat membantu anda memperolehi kehendak dan keperluan anda pada bayaran ansuran bulanan yang diukir khas untuk anda dan tidak membebankan.</span></div>
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Pembiayaan Semula</span></h3>
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<span style="background-color: white;">Pinjaman penyatuan hutang boleh menjadi penyelesaian untuk keadaan begitu. Dengan pinjaman penyatuan hutang, anda boleh menggabungkan semua hutang yang sedia ada ke dalam satu bayaran bulanan yang berpatutan.</span></div>
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Pemegang Pencen dan SOCSO</span></h3>
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<span style="background-color: white;">Untuk yang telah pencen atau dana Socso dan memerlukan wang tunai untuk kegunaan kecemasan. </span><u style="font-family: inherit; font-size: 13px; font-style: inherit; font-weight: inherit;"><a href="http://www.moneylender4u.com/perkhidmatan-kami/" style="background-color: white;" target="_blank">Mohon Sekarang</a></u></div>
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Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-8979260425956576546.post-63039658918652521492014-07-24T00:41:00.000-07:002014-07-24T00:42:27.628-07:00Bank Islam menang tiga anugerah perbankan antarabangsa<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="background-color: white; color: #222222; line-height: 19.600000381469727px;"><span style="font-family: Arial, Helvetica, sans-serif;">KUALA LUMPUR: Bank Islam Malaysia Bhd memenangi tiga anugerah pada majlis anugerah Tahunan International Banker yang berlangsung di London.</span></span><br />
<span style="background-color: white;"><span style="font-family: Arial, Helvetica, sans-serif;"><br style="color: #222222; line-height: 19.600000381469727px; text-rendering: optimizelegibility;" /><span style="color: #222222; line-height: 19.600000381469727px;">Mengikut bank itu, Pengarah Urusan Datuk Seri Zukri Samat, dipilih sebagai Ketua Pegawai Eksekutif Perbankan Terbaik. </span></span></span><br />
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<span style="background-color: white;"><span style="font-family: Arial, Helvetica, sans-serif;"><span style="color: #222222; line-height: 19.600000381469727px;">"Anugerah kedua ialah Penyedia Perkhidmatan Pelanggan Terbaik Asia dan ketiga, Bank Islam Malaysia terbaik," katanya. </span><br style="color: #222222; line-height: 19.600000381469727px; text-rendering: optimizelegibility;" /><br style="color: #222222; line-height: 19.600000381469727px; text-rendering: optimizelegibility;" /><span style="color: #222222; line-height: 19.600000381469727px;">International Banker ialah anak syarikat Finance Publishing, sumber utama dunia bagi analisis kewangan, perbankan antarabangsa dan hal ehwal dunia, yang dipercayai.-BERNAMA</span></span></span></div>
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Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-8979260425956576546.post-78354903673513338182014-07-17T01:37:00.001-07:002014-07-17T01:37:26.605-07:00CIMB ASB Financing<div dir="ltr" style="text-align: left;" trbidi="on">
<div style="background-color: white; font-family: Arial, Helvetica, sans-serif; font-size: 12px;">
<img src="http://www.cimbbank.com.my/images/cimb_bank-logo.gif" style="background-color: transparent;" /></div>
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Use this term loan facility to buy ASB units. While you are servicing the loan, you'll be earning the annual dividends and bonuses from your ASB investment which you can use to partly pay for the subsequent year loan repayments. It's an affordable, convenient and smart way to make your money work harder.</div>
<table border="0" cellpadding="1" cellspacing="1" class="Content" style="background-color: white; color: black; font-family: Arial, Helvetica, sans-serif; font-size: 12px; width: 100%px;"><tbody>
<tr><td colspan="3"><strong>Features and benefits:</strong></td></tr>
<tr><td valign="top" width="2%"><img height="5" src="http://www.cimbbank.com.my/images/arrow_red.gif" vspace="5" width="6" /></td><td colspan="2" width="98%">Loan amount from RM10,000 up to maximum of RM 200,000 (subject to customer's eligibility)</td></tr>
<tr><td valign="top"><img height="5" src="http://www.cimbbank.com.my/images/arrow_red.gif" vspace="5" width="6" /></td><td colspan="2">Margin of financing up to 100%</td></tr>
<tr><td valign="top"><img height="5" src="http://www.cimbbank.com.my/images/arrow_red.gif" vspace="5" width="6" /></td><td colspan="2">Interest rate of BLR - 1.65% p.a. throughout loan tenure</td></tr>
<tr><td valign="top"><img height="5" src="http://www.cimbbank.com.my/images/arrow_red.gif" vspace="5" width="6" /></td><td colspan="2">Loan tenure from 5 years up to maximum 30 years or 65 years of age (whichever is earlier)</td></tr>
<tr><td valign="top"><img height="5" src="http://www.cimbbank.com.my/images/arrow_red.gif" vspace="5" width="6" /></td><td colspan="2">Low documentation fee</td></tr>
<tr><td valign="top"><img height="5" src="http://www.cimbbank.com.my/images/arrow_red.gif" vspace="5" width="6" /></td><td colspan="2">Insurance coverage (Group Amanah Saham Assurance)</td></tr>
</tbody></table>
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<em>Terms & Conditions Apply</em></div>
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The Master Prospectus of the unit trust funds of ASNB dated 30 June 2012, and the First Supplementary Master Prospectus dated 25 September 2012, have been registered with the Securities Commission Malaysia and are available at any office of ASNB and its agents. Units will be issued upon receipt of the registration form as enclosed in the prospectuses. Before investing, please read and understand the content of the prospectuses. Total return on the investments may go down as well as up. Past performances of the unit trust funds of ASNB are not guarantees of future performances. Before investing, kindly consider the fees and charges involved.</div>
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<table border="0" cellpadding="1" cellspacing="1" class="Content" style="background-color: white; color: black; font-family: Arial, Helvetica, sans-serif; font-size: 12px; width: 100%px;"><tbody>
<tr><td colspan="2"><strong>Eligibility:</strong></td></tr>
<tr><td valign="top" width="2%"><img height="5" src="http://www.cimbbank.com.my/images/arrow_red.gif" vspace="5" width="6" /></td><td width="98%">All eligible ASB investors under ASNB guidelines.</td></tr>
<tr><td valign="top"><img height="5" src="http://www.cimbbank.com.my/images/arrow_red.gif" vspace="5" width="6" /></td><td>Bumiputra only.</td></tr>
<tr><td valign="top"><img height="5" src="http://www.cimbbank.com.my/images/arrow_red.gif" vspace="5" width="6" /></td><td>Individual aged 18 years and above, with evidence of income only. Student is not eligible to apply.</td></tr>
</tbody></table>
<div style="background-color: white; font-family: Arial, Helvetica, sans-serif; font-size: 12px;">
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<table border="0" cellpadding="1" cellspacing="1" class="Content" style="background-color: white; color: black; font-family: Arial, Helvetica, sans-serif; font-size: 12px; width: 100%px;"><tbody>
<tr><td colspan="2"><strong>Requirements:</strong></td></tr>
<tr><td valign="top" width="2%"><img height="5" src="http://www.cimbbank.com.my/images/arrow_red.gif" vspace="5" width="6" /></td><td width="98%">Applicant is required to submit the compulsory documents as follow:<br />
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<tr><td valign="top" width="2%"><img height="5" src="http://www.cimbbank.com.my/images/arrow_grey.gif" vspace="5" width="3" /></td><td width="98%">Photocopy of NRIC</td></tr>
<tr><td valign="top"><img height="5" src="http://www.cimbbank.com.my/images/arrow_grey.gif" vspace="5" width="3" /></td><td>Photocopy of ASB passbook (1st & 2nd page)</td></tr>
<tr><td valign="top"><img height="5" src="http://www.cimbbank.com.my/images/arrow_grey.gif" vspace="5" width="3" /></td><td>Evidence of income<br />
Definition of evidence of income:<br />
<table border="0" cellpadding="1" cellspacing="1" class="Content" style="color: black; font-size: 12px; width: 100%px;"><tbody>
<tr><td valign="top" width="3%">a)</td><td width="97%">For wage earner - Latest 1 month salary slip/ payment voucher (if salary is paid through payment voucher)</td></tr>
<tr><td valign="top">b)</td><td>For self-employed / businessman: - Only ONE of the following<br /><table border="0" cellpadding="1" cellspacing="1" class="Content" style="color: black; font-size: 12px; width: 100%px;"><tbody>
<tr><td valign="top" width="2%"><img height="5" src="http://www.cimbbank.com.my/images/arrow_grey.gif" vspace="5" width="3" /></td><td width="98%">Latest 6 months current account / savings account statement</td></tr>
<tr><td valign="top"><img height="5" src="http://www.cimbbank.com.my/images/arrow_grey.gif" vspace="5" width="3" /></td><td>Statement of interest earned and received from FDs placed for more than 12 months</td></tr>
<tr><td valign="top"><img height="5" src="http://www.cimbbank.com.my/images/arrow_grey.gif" vspace="5" width="3" /></td><td>ASNB dividend statement </td></tr>
<tr><td valign="top"><img height="5" src="http://www.cimbbank.com.my/images/arrow_grey.gif" vspace="5" width="3" /></td><td>Latest 6 months Tabung Haji account statement.</td></tr>
</tbody></table>
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</td></tr>
</tbody></table>
</td></tr>
</tbody></table>
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<br style="font-size: 12px;" /></div>
<table border="0" cellpadding="0" cellspacing="0" class="Content2" style="background-color: white; color: #666666; font-family: Arial, Helvetica, sans-serif; font-size: 11px; text-indent: 1px; width: 100%px;"><tbody>
<tr><td valign="top" width="8">•</td><td>All eligible ASB investors under ASNB guidelines</td></tr>
<tr><td height="20" valign="top">•</td><td>Malaysian Bumiputera only<br /><br /><table border="0" cellpadding="1" cellspacing="1" class="Content" style="color: black; font-size: 12px; text-indent: 0px; width: 100%px;"><tbody>
<tr><td colspan="3" valign="top">BLR - 1.65% p.a. throughout the loan tenure</td></tr>
<tr><td colspan="3" valign="top"> </td></tr>
<tr><td colspan="3" valign="top"><em>BLR as at May 2011: 6.60%</em></td></tr>
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</td></tr>
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Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-8979260425956576546.post-64392728177347968172014-07-10T00:22:00.000-07:002014-07-10T00:31:28.751-07:00Private Sector Personal Loan Offer<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://s3-ap-southeast-1.amazonaws.com/bankrakyat/logo/br-logo-eng.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://s3-ap-southeast-1.amazonaws.com/bankrakyat/logo/br-logo-eng.png" /></a><span style="font-size: large;"><b></b></span><br />
<span style="font-size: large;"><b><span style="font-size: large;"><b><br /></b></span></b></span><span style="font-size: large;"><b><br /></b></span><br />
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<span style="font-size: large;"><b><br /></b></span>
<span style="font-size: large;"><b><br /></b></span>
<span style="font-size: large;"><b>Personal financing- i Aslah for private sector</b></span><br />
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<h3 style="background-color: white; box-sizing: border-box; color: rgb(0, 55, 103) !important; font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 23px; line-height: 40px; margin: 10px 0px; text-rendering: optimizelegibility;">
<b style="box-sizing: border-box;">Features</b></h3>
<ul style="background-color: white; box-sizing: border-box; color: #414042; font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 14px; line-height: 20px; margin: 0px 0px 10px 25px; padding: 0px;">
<li style="box-sizing: border-box; color: black; line-height: 27px;">Amount of financing up to RM150,000</li>
<li style="box-sizing: border-box; color: black; line-height: 27px;">Financing tenure up to 10 years</li>
<li style="box-sizing: border-box; color: black; line-height: 27px;">Financing margin up to <strong style="box-sizing: border-box;">10 times your monthly gross salary</strong> (Salary RM2,000 - RM3,000) and <strong style="box-sizing: border-box;">15 times your monthly gross salary</strong> (Salary RM3,001 and above)</li>
<li style="box-sizing: border-box; color: black; line-height: 27px;">No guarantor</li>
<li style="box-sizing: border-box; color: black; line-height: 27px;">Takaful coverage are optional</li>
<li style="box-sizing: border-box; color: black; line-height: 27px;">No advance payment</li>
<li style="box-sizing: border-box; color: black; line-height: 27px;">Negotiation rate offered to employees of companies or cooperatives with certain conditions stated by Bank</li>
</ul>
<h3 style="background-color: white; box-sizing: border-box; color: rgb(0, 55, 103) !important; font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 23px; line-height: 40px; margin: 10px 0px; text-rendering: optimizelegibility;">
<b style="box-sizing: border-box;">Financing Rate</b></h3>
<table class="table table-bordered" style="background-color: white; border-bottom-color: rgb(221, 221, 221); border-bottom-left-radius: 5px; border-bottom-right-radius: 5px; border-bottom-style: solid; border-right-color: rgb(221, 221, 221); border-right-style: solid; border-spacing: 0px; border-top-color: rgb(221, 221, 221); border-top-left-radius: 5px; border-top-right-radius: 5px; border-top-style: solid; border-width: 1px 1px 1px 0px; box-sizing: border-box; color: #414042; font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 15px; line-height: 20px; margin-bottom: 20px; max-width: 100%; overflow: hidden; width: 594px;"><tbody style="box-sizing: border-box;">
<tr style="box-sizing: border-box;"><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-left-radius: 2px; border-top-width: 0px; box-sizing: border-box; padding: 8px; vertical-align: top;"></td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-width: 0px; box-sizing: border-box; padding: 8px; vertical-align: top;"></td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-width: 0px; box-sizing: border-box; padding: 8px; vertical-align: top;"></td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-width: 0px; box-sizing: border-box; padding: 8px; vertical-align: top;"></td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-width: 0px; box-sizing: border-box; padding: 8px; vertical-align: top;"></td><td colspan="2" style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-right-radius: 2px; border-top-width: 0px; box-sizing: border-box; padding: 8px; vertical-align: top;"><strong style="box-sizing: border-box;">Financing Tenure</strong></td></tr>
<tr style="box-sizing: border-box;"><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;"><strong style="box-sizing: border-box;">Payment Method</strong></td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;"><div align="center" style="box-sizing: border-box;">
<strong style="box-sizing: border-box;">Protectio</strong>n</div>
</td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;"><div align="center" style="box-sizing: border-box;">
<strong style="box-sizing: border-box;">Salary</strong></div>
</td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;"><strong style="box-sizing: border-box;">Floating Rate</strong></td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;"><strong style="box-sizing: border-box;">Effective / Fixed</strong></td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;"><strong style="box-sizing: border-box;">New Application</strong></td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;"><div align="center" style="box-sizing: border-box;">
<strong style="box-sizing: border-box;">Repeated / Overlap Application</strong></div>
</td></tr>
<tr style="box-sizing: border-box;"><td rowspan="4" style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">Saving Deduction</td><td rowspan="2" style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">With Takaful</td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">RM2,000 - RM3,000</td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">BFR + 6.75%</td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">13.35% / 8.17%</td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">5 years</td><td rowspan="8" style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;"><div align="center" style="box-sizing: border-box;">
10 years</div>
</td></tr>
<tr style="box-sizing: border-box;"><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">RM3,001 & above</td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">BFR + 6.50%</td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">13.10% / 7.99%</td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">10 years</td></tr>
<tr style="box-sizing: border-box;"><td rowspan="2" style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">Without Takaful</td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">RM2,000 - RM3,000</td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">BFR + 7.75%</td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">14.35% / 8.89%</td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">5 years</td></tr>
<tr style="box-sizing: border-box;"><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">RM3,001 & above</td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">BFR + 7.50%</td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">14.10% / 8.70%</td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">10 years</td></tr>
<tr style="box-sizing: border-box;"><td rowspan="4" style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">Other than Saving Deduction</td><td rowspan="2" style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">With Takaful</td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">RM2,000 - RM3,000</td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">BFR + 7.75%</td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">14.35% / 8.89%</td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">5 years</td></tr>
<tr style="box-sizing: border-box;"><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">RM3,001 & above</td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">BFR + 7.50%</td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">14.10% / 8.70%</td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">10 years</td></tr>
<tr style="box-sizing: border-box;"><td rowspan="2" style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">Without Takaful</td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">RM2,000 - RM3,000</td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">BFR + 8.75%</td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">15.35% / 9.62%</td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">5 years</td></tr>
<tr style="box-sizing: border-box;"><td style="background-color: #f9f9f9; border-bottom-left-radius: 2px; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">RM3,001 & above</td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">BFR + 8.50%</td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">15.10% / 9.43%</td><td style="background-color: #f9f9f9; border-bottom-right-radius: 2px; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">10 years</td></tr>
</tbody></table>
<div style="background-color: white; box-sizing: border-box; color: #414042; font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 14px; line-height: 20px; margin-bottom: 10px;">
*Note:</div>
<div style="background-color: white; box-sizing: border-box; color: #414042; font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 14px; line-height: 20px; margin-bottom: 10px;">
Ceiling Rate = Effective Rate + 4.00%</div>
<div style="background-color: white; box-sizing: border-box; color: #414042; font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 14px; line-height: 20px; margin-bottom: 10px;">
Current Base Financing Rate (BFR) is 6.60%</div>
<div style="background-color: white; box-sizing: border-box; color: #414042; font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 14px; line-height: 20px; margin-bottom: 10px;">
<br /></div>
<h3 style="background-color: white; box-sizing: border-box; color: rgb(0, 55, 103) !important; font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 23px; line-height: 40px; margin: 10px 0px; text-rendering: optimizelegibility;">
Eligibility</h3>
<ul style="background-color: white; box-sizing: border-box; color: #414042; font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 14px; line-height: 20px; margin: 0px 0px 10px 25px; padding: 0px;">
<li style="box-sizing: border-box; color: black; line-height: 27px;">Malaysian citizen</li>
<li style="box-sizing: border-box; color: black; line-height: 27px;">Minimum age of 18 years and maximum 60 years old at the end of the financing tenure</li>
<li style="box-sizing: border-box; color: black; line-height: 27px;">Minimum fixed monthly income of RM2,000 including fixed allowances</li>
<li style="box-sizing: border-box; color: black; line-height: 27px;">Public sector employee</li>
<li style="box-sizing: border-box; color: black; line-height: 27px;">Have been confirm in current service</li>
</ul>
<h3 style="background-color: white; box-sizing: border-box; color: rgb(0, 55, 103) !important; font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 23px; line-height: 40px; margin: 10px 0px; text-rendering: optimizelegibility;">
Payment Method</h3>
<ul style="background-color: white; box-sizing: border-box; color: #414042; font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 14px; line-height: 20px; margin: 0px 0px 10px 25px; padding: 0px;">
<li style="box-sizing: border-box; color: black; line-height: 27px;">Biro Perkhidmatan Angkasa</li>
<li style="box-sizing: border-box; color: black; line-height: 27px;">Salary Deduction</li>
<li style="box-sizing: border-box; color: black; line-height: 27px;">Saving Deduction</li>
<li style="box-sizing: border-box; color: black; line-height: 27px;">Standing Instruction</li>
<li style="box-sizing: border-box; color: black; line-height: 27px;">Postdated Cheque</li>
</ul>
<h3 style="background-color: white; box-sizing: border-box; color: rgb(0, 55, 103) !important; font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 23px; line-height: 40px; margin: 10px 0px; text-rendering: optimizelegibility;">
Documents Required</h3>
<table class="table table-bordered" style="background-color: white; border-bottom-color: rgb(221, 221, 221); border-bottom-left-radius: 5px; border-bottom-right-radius: 5px; border-bottom-style: solid; border-right-color: rgb(221, 221, 221); border-right-style: solid; border-spacing: 0px; border-top-color: rgb(221, 221, 221); border-top-left-radius: 5px; border-top-right-radius: 5px; border-top-style: solid; border-width: 1px 1px 1px 0px; box-sizing: border-box; color: #414042; font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 15px; line-height: 20px; margin-bottom: 20px; max-width: 100%; overflow: hidden; width: 369px;"><tbody style="box-sizing: border-box;">
<tr style="box-sizing: border-box;"><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-left-radius: 2px; border-top-width: 0px; box-sizing: border-box; padding: 8px; vertical-align: top;"><div align="center" style="box-sizing: border-box;">
</div>
</td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-right-radius: 2px; border-top-width: 0px; box-sizing: border-box; padding: 8px; vertical-align: top;"><div align="center" style="box-sizing: border-box;">
<strong style="box-sizing: border-box;">Document</strong></div>
</td></tr>
<tr style="box-sizing: border-box;"><td rowspan="6" style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">New Application</td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">1. Copy of Identity Card / Authority Card (Police / Army)</td></tr>
<tr style="box-sizing: border-box;"><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">2. Latest 3 months' salary slip</td></tr>
<tr style="box-sizing: border-box;"><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">3. Latest employer's confirmation letter</td></tr>
<tr style="box-sizing: border-box;"><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">4. Latest three (3) months Bank Statements of salary crediting account</td></tr>
<tr style="box-sizing: border-box;"><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">5. EPF statement showing transactions of six (6) months</td></tr>
<tr style="box-sizing: border-box;"><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">6. Income Tax (BE Form)</td></tr>
<tr style="box-sizing: border-box;"><td rowspan="2" style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">Repeated/Overlap Applicationl</td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">1. Copy of Identity Card</td></tr>
<tr style="box-sizing: border-box;"><td style="background-color: #f9f9f9; border-bottom-left-radius: 2px; border-bottom-right-radius: 2px; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">2. Latest 3 months' salary slip</td></tr>
</tbody></table>
</div>
</div>
</div>
Unknownnoreply@blogger.com3tag:blogger.com,1999:blog-8979260425956576546.post-77943260913073289082014-06-18T21:38:00.001-07:002014-07-07T20:33:06.059-07:00OCBC Al-Amin Cash Financing Plans<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="color: #414042; font-family: Arial, Helvetica, sans-serif; font-size: 14px;">Enter new phases of your life with confidence with OCBC Al-Amin Cash Financing-i. Regardless of the reasons you need cash, get it the hassle-free and quick way via </span><b style="color: #414042; font-family: Arial, Helvetica, sans-serif; font-size: 14px;">OCBC Al-Amin Cash Financing-i</b><span style="color: #414042; font-family: Arial, Helvetica, sans-serif; font-size: 14px;">.</span><br />
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<tr><td align="left" height="40px" valign="top">Eligibility • Age up to 55 years old • Minimum monthly gross income of RM2,000 • Malaysian citizen or permanent resident • Minimum financing amount of RM6,000</td></tr>
<tr><td align="left" height="12px" valign="top"><img src="http://www.ocbc.com.my/OCBCAl_Amin/personal-banking/financing/cash-financing/SEM/images/divider_line.jpg" height="6" style="border: none;" width="650" /></td></tr>
<tr><td align="left" height="60px" valign="top"><b>Documents required</b> • A copy of I/C (front and back) • A copy of 1-month salary slip; OR 1-year EPF statement</td></tr>
<tr><td align="left" class="linkstyle_red2" height="85px" style="font-size: 12px;" valign="top"><i>Note: All applications are subject to the Bank’s approval.</i><br />
<br />
* <a href="http://www.ocbc.com.my/OCBCAl_Amin/download/Terms_Condition_ENG_0712.pdf" style="color: #ed0000;" target="_blank">Terms and Conditions</a> apply.<br />
<br /></td></tr>
<tr><td><table border="0" cellpadding="0" cellspacing="0" style="width: 100%px;"><tbody>
<tr><td align="left" valign="top"><a href="http://pinjamonline.blogspot.com/2013/06/blacklist-personal-loan.html" target="_blank">Personal Loan For Blacklist</a></td><td align="right" valign="top"><a href="http://pinjamonline.blogspot.com/2013/06/blacklist-personal-loan.html" target="_blank"><br /></a></td></tr>
</tbody></table>
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</tbody></table>
</td><td align="left" style="padding-left: 20px;" valign="top" width="250px"><div id="form" style="height: 580px; margin: 40px 0px 0px; width: 222px;">
<form action="http://www.ocbc.com.my/OCBCAl_Amin/personal-banking/financing/cash-financing/SEM/index.html?gclid=CjkKEQjw8YSdBRChhPXJvPvMztABEiQAkn893jp9PB51y30UZD0BecVTujf6rA2bY5xW22LpqWbKHTXw_wcB" id="TIGForm" method="post" name="TIGForm">
</form>
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</div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-8979260425956576546.post-5321926603305299372014-06-10T21:51:00.001-07:002014-06-10T21:59:18.323-07:00Pinjaman Kenderaan-i Bank Islam<div dir="ltr" style="text-align: left;" trbidi="on">
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Pembiayaan Kenderaan-i ialah pembiayaan bertempoh dan bercagar yang dikira berdasarkan kadar tetap. Pembiayaan Kenderaan-i membolehkan anda memiliki kenderaan idaman anda di bawah kontrak Murabahah Perjanjian Jualan Kenderaan Secara Penjualan Kepada Orang Yang Menempah (Murabahah To The Purchase Orderer (“MPO”)), <strong><br /> </strong></div>
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<span style="color: #c60c46;"><strong>CIRI-CIRI</strong></span></div>
<table border="0" bordercolor="#666666" cellpadding="7" style="background-color: white; border-collapse: collapse; color: #595959; font-family: arial, sans-serif; font-size: 12px; line-height: 18.66666603088379px; width: 100%px;"><tbody>
<tr><td style="font-size: 12px;" valign="top" width="20%"><b><span style="font-family: Arial; font-size: 9pt;">Margin Pembiayaan</span></b></td><td style="font-size: 12px;" valign="top"><div align="justify">
<span style="font-size: 9pt;">Sehingga 90% bagi kenderaan Nasional dan Bukan Nasional</span></div>
</td></tr>
<tr><td bgcolor="#EBEBEB" style="font-size: 12px;" valign="top"><b><span style="font-family: Arial; font-size: 9pt;">Tempoh Pembiayaan</span></b></td><td bgcolor="#EBEBEB" style="font-size: 12px;" valign="top"><div align="justify">
<span style="font-size: 9pt;">Sehingga 9 tahun</span></div>
</td></tr>
<tr><td style="font-size: 12px;" valign="top"><b><span style="font-family: Arial; font-size: 9pt;">Kadar Pembiayaan</span></b></td><td style="font-size: 12px;" valign="top"><span style="font-size: 9pt;">Sila rujuk Pusat Pembiayaan Automobil Bank Islam yang berhampiran untuk mendapatkan maklumat kadar pembiayaan terkini</span></td></tr>
<tr><td bgcolor="#EBEBEB" style="font-size: 12px;" valign="top"><b><span style="font-family: Arial; font-size: 9pt;">Kelayakan</span></b></td><td bgcolor="#EBEBEB" style="font-size: 12px;" valign="top"><ul>
<li><span style="font-size: 9pt;">Individu berumur minima 18 tahun dan tidak melebihi 60 tahun pada tempoh akhir bayaran pembiayaan</span></li>
<li><span style="font-size: 9pt;">Warganegara Malaysia</span></li>
<li><span style="font-size: 9pt;">Berpendapatan Tetap</span></li>
</ul>
</td></tr>
<tr><td style="font-size: 12px;" valign="top"><b><span style="font-family: Arial; font-size: 9pt;">Dokumen Yang Diperlukan</span></b></td><td style="font-size: 12px;" valign="top"><ul>
<li><span style="font-size: 9pt;">Salinan Kad Pengenalan (Depan dan Belakang);</span></li>
<li><span style="font-size: 9pt;">Salinan Memandu yang sah;</span></li>
<li><span style="font-size: 9pt;">Salinan Penyata Pendapatan 3 bulan terkini; dan</span></li>
<li><span style="font-size: 9pt;">Salinan Penyata Bank 3 bulan terkini (akaun gaji); atau</span></li>
<li><span style="font-size: 9pt;">Penyata KWSP terkini / Penyata Gaji Tahunan; atau</span></li>
<li><span style="font-size: 9pt;">Lain-lain dokumen sokongan yang boleh diterima pakai oleh pihak Bank sebagai bukti pendapatan tambahan</span></li>
</ul>
</td></tr>
<tr><td bgcolor="#EBEBEB" style="font-size: 12px;" valign="top"><b><span style="font-family: Arial; font-size: 9pt;">Manfaat</span></b></td><td bgcolor="#EBEBEB" style="font-size: 12px;" valign="top"><ul>
<li><span style="font-size: 9pt;">Kadar Pembiayaan yang tetap dan kompetitif</span></li>
<li><span style="font-size: 9pt;">Harga Jualan diketahui dan tetap</span></li>
<li><span style="font-size: 9pt;">Tiada kos tersembunyi atau caj tambahan</span></li>
<li><span style="font-size: 9pt;">Ibra’ (Rebat) diberikan ke atas penyelesaian awal</span></li>
<li><span style="font-size: 9pt;">Kelulusan segera</span></li>
</ul>
</td></tr>
<tr><td style="font-size: 12px;" valign="top"><b><span style="font-family: Arial; font-size: 9pt;">Ta’widh (Gantirugi)</span></b></td><td style="font-size: 12px;" valign="top"><ul>
<li><span style="font-family: Arial; font-size: x-small;">Pelanggan dengan ini bersetuju untuk membayar kepada Bank caj lewat bayar dengan cara ta’widh (gantirugi) seperti berikut:</span><ol style="font-family: Arial; font-size: 10pt;" type="a">
<li><span style="font-family: Arial; font-size: x-small;">Sebelum tarikh matang Kemudahan Pembiayaan:<br />Suatu jumlah yang bersamaan dengan satu peratus (1%) setahun dikira ke atas tunggakan ansuran sehingga tarikh penyelesaian penuh;</span></li>
<li>Selepas tarikh matang Kemudahan <span style="font-family: Arial; font-size: x-small;">Pembiayaan</span>:<span style="font-family: Arial; font-size: x-small;"><br />Suatu jumlah yang bersamaan dengan kadar semasa semalaman harian Pasaran Wang Antara Bank Secara Islam dikira ke atas baki Kemudahan iaitu baki Harga Jualan setelah ditolak ibra’ (jika ada);</span></li>
<li><span style="font-family: Arial; font-size: x-small;">Hutang Selepas Penghakiman:<br />Suatu jumlah yang bersamaan dengan kadar semasa semalaman harian Pasaran Wang Antara Bank Secara Islam ke atas jumlah asas penghakiman dikira dari tarikh penghakiman sehingga tarikh penyelesaian penuh.</span></li>
</ol>
<span style="font-family: Arial; font-size: x-small;">DENGAN SYARAT kadar ta’widh (gantirugi) boleh diubah dari semasa ke semasa oleh Bank Negara Malaysia (BNM) dan akan dikenakan sebagaimana yang diluluskan oleh BNM.</span></li>
</ul>
</td></tr>
<tr><td bgcolor="#EBEBEB" style="font-size: 12px;" valign="top"><b><span style="font-family: Arial; font-size: 9pt;">Syarat-syarat Am</span></b></td><td bgcolor="#EBEBEB" style="font-size: 12px;" valign="top"><ul>
<li><span style="font-size: 9pt;">Kelulusan adalah berdasarkan kepada personal pemohon dan kapasiti perundangan, Karakter pinjaman, paten pembayaran yang lalu, dan lain-lain keperluan Bank Islam Malaysia Berhad (Bank Islam).</span></li>
<li><span style="font-size: 9pt;">Permohonan akan diproses dalam tempoh masa yang telah ditetapkan jika semua dokumen permohonan diterima dengan lengkap mengikut terma dan syarat yang ditetapkan.</span></li>
<li><span style="font-size: 9pt;">Semua terma dan syarat adalah berdasarkan kepada garispanduan yang telah ditetapkan oleh pihak Bank Negara Malaysia dan Bank Islam Malaysia Berhad.</span></li>
</ul>
</td></tr>
</tbody></table>
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<span style="font-size: xx-small;">*Tertakluk pada terma dan syarat</span></div>
</div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-8979260425956576546.post-1722639767825589052014-06-08T23:45:00.000-07:002014-10-29T20:36:15.040-07:00Indeks Harga Rumah Turun 8.1 peratus<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjChVglb0BPsgSAvDm0kZseHark5EvKNThb1TLuiLEpWd8TwcCE5QMOxNMoe3TwzUe2o2J3HpCJ9vObpKrXSaWtG4fqIkHbFvT6rzohdlVNOcCuOksmMdpOWMU3Jxmkp3z739A5toiz_w-D/s1600/Harga+Rumah+Turun.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjChVglb0BPsgSAvDm0kZseHark5EvKNThb1TLuiLEpWd8TwcCE5QMOxNMoe3TwzUe2o2J3HpCJ9vObpKrXSaWtG4fqIkHbFvT6rzohdlVNOcCuOksmMdpOWMU3Jxmkp3z739A5toiz_w-D/s1600/Harga+Rumah+Turun.jpg" height="243" width="400" /></a></div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-weight: bold; line-height: 1.5; margin-bottom: 0.8em; margin-top: 0.8em;">
<span style="font-family: Arial, Helvetica, sans-serif;">Industri hartanah dijangka terus berkembang berikutan masih ramai lagi rakyat Malaysia yang belum memiliki kediaman sendiri meskipun kerajaan mengawal kenaikan harga rumah melalui peningkatan kadar Cukai Keuntungan Harta Tanah (CKHT).</span></div>
<div style="background-color: white; box-sizing: border-box; color: #333333; line-height: 1.5; margin-bottom: 0.8em; margin-top: 0.8em;">
<span style="font-family: Arial, Helvetica, sans-serif;">Ketua Ahli Ekonomi Bank Islam Malaysia Bhd Mohd Afzanizam Abdul Rashid berkata, bagi tempoh jangka pendek dan pertengahan, tinjauan pasaran hartanah dijangka lebih berhati-hati.</span></div>
<div style="background-color: white; box-sizing: border-box; color: #333333; line-height: 1.5; margin-bottom: 0.8em; margin-top: 0.8em;">
<span style="font-family: Arial, Helvetica, sans-serif;">Katanya, ini berikutan kenaikan kadar inflasi berikutan langkah kerajaan bagi mengurangkan defisit fiskal pada kadar 3.5 peratus daripada nilai Keluaran Dalam Negara Kasar (KDNK) tahun ini.</span></div>
<div style="background-color: white; box-sizing: border-box; color: #333333; line-height: 1.5; margin-bottom: 0.8em; margin-top: 0.8em;">
<span style="font-family: Arial, Helvetica, sans-serif;">“Semenjak pengumuman Bajet 2014 pada Oktober tahun lalu, Indeks Harga Rumah sudah menunjukkan penurunan yang ketara iaitu pada kadar 8.1 peratus dalam suku ke empat 2013.</span></div>
<div style="background-color: white; box-sizing: border-box; color: #333333; line-height: 1.5; margin-bottom: 0.8em; margin-top: 0.8em;">
<span style="font-family: Arial, Helvetica, sans-serif;">“Angka ini jauh lebih rendah berbanding dengan pertumbuhan dua digit yang dicatatkan bagi lapan sukuan berturut-turut sebelum ini,” katanya.</span></div>
<div style="background-color: white; box-sizing: border-box; color: #333333; line-height: 1.5; margin-bottom: 0.8em; margin-top: 0.8em;">
<span style="font-family: Arial, Helvetica, sans-serif;">Menurutnya, perkara ini jelas menunjukkan bahawa langkah kerajaan mengawal kenaikan harga rumah melalui peningkatan kadar CKHT sudah mula memberi kesan.</span></div>
<div style="background-color: white; box-sizing: border-box; color: #333333; line-height: 1.5; margin-bottom: 0.8em; margin-top: 0.8em;">
<span style="font-family: Arial, Helvetica, sans-serif;">Beliau berkata, selain itu, larangan bagi program Developer Interest Bearing Scheme (DIBS) juga jelas menunjukkan keseriusan pihak kerajaan menangani isu kenaikan harga rumah yang perlu dikawal.</span></div>
<div style="background-color: white; box-sizing: border-box; color: #333333; line-height: 1.5; margin-bottom: 0.8em; margin-top: 0.8em;">
<span style="font-family: Arial, Helvetica, sans-serif;">“Jika dilihat peratusan pemilikan rumah bagi warga Kuala Lumpur adalah pada kadar 50.8 peratus pada 2012 walaupun penduduk di kawasan ini mempunyai purata pendapatan isi rumah yang tertinggi di Malaysia iaitu RM8,586 sebulan.</span></div>
<div style="background-color: white; box-sizing: border-box; color: #333333; line-height: 1.5; margin-bottom: 0.8em; margin-top: 0.8em;">
<span style="font-family: Arial, Helvetica, sans-serif;">“Perkara ini jelas menunjukkan terdapatnya jurang di dalam pemilikan rumah terutama di kawasan metropolitan,” katanya.</span></div>
<div style="background-color: white; box-sizing: border-box; color: #333333; line-height: 1.5; margin-bottom: 0.8em; margin-top: 0.8em;">
<span style="font-family: Arial, Helvetica, sans-serif;">Sebenarnya, CKHT adalah pengecualian dan bukannya pemansuhan dan bertujuan untuk merancakkan semula prestasi sektor hartanah yang agak lembab terutamanya kategori ‘medium’ dan ‘high-end’.</span></div>
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Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-8979260425956576546.post-51633549749507381112014-05-25T18:58:00.001-07:002014-05-25T19:02:13.952-07:00Citibank Personal Loans - From now till 8 July 2014<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-family: arial, verdana, times New Roman;"><span style="font-size: 15.454545021057129px; line-height: 20px;"><br /></span></span>
<span style="font-family: arial, verdana, times New Roman;"><span style="font-size: 15.454545021057129px; line-height: 20px;">Enjoy a Rate of Just 6.5% flat p.a</span></span><span style="background-color: white; font-family: arial, verdana, 'times New Roman'; font-size: 15px; line-height: 20px;"> when you apply for a Citibank Personal Loan.</span><br />
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<table border="0" cellpadding="0" cellspacing="0" style="background-color: white; border-collapse: collapse; border-spacing: 0px; border: 0px; color: #555555; font-family: arial, verdana, 'times New Roman'; font-size: 11px; line-height: 14px; margin: 0px; outline: 0px; padding: 0px; width: 100%px;"><tbody style="border: 0px; font-size: 11px; margin: 0px; outline: 0px; padding: 0px;">
<tr style="border: 0px; margin: 0px; outline: 0px; padding: 0px;"><td style="border: 0px; margin: 0px; outline: 0px; padding: 0px;" valign="top" width="3%"><span style="color: black; font-size: small;">1.</span></td><td style="border: 0px; margin: 0px; outline: 0px; padding: 0px;" width="97%"><span style="color: black; font-size: small;">Citibank Installment Loan Acquisition Campaign Terms and Conditions apply.</span></td></tr>
<tr style="border: 0px; margin: 0px; outline: 0px; padding: 0px;"><td style="border: 0px; margin: 0px; outline: 0px; padding: 0px;" valign="top"><span style="color: black; font-size: small;">2.</span></td><td style="border: 0px; margin: 0px; outline: 0px; padding: 0px;"><span style="color: black; font-size: small;">Campaign Duration: 8 May - 8 July 2014.</span></td></tr>
<tr style="border: 0px; margin: 0px; outline: 0px; padding: 0px;"><td style="border: 0px; margin: 0px; outline: 0px; padding: 0px;" valign="top"><span style="color: black; font-size: small;">3.</span></td><td style="border: 0px; margin: 0px; outline: 0px; padding: 0px;"><span style="color: black; font-size: small;">*Flat interest rate of 6.5% per annum (equivalent to Effective Interest Rate of 11.9% per annum) is only valid for all application made during the Campaign Period for existing Citibank Credit Card and/or Ready Credit customer who earns a minimum monthly gross salary of RM5,000.</span></td></tr>
<tr style="border: 0px; margin: 0px; outline: 0px; padding: 0px;"><td style="border: 0px; margin: 0px; outline: 0px; padding: 0px;" valign="top"><span style="color: black; font-size: small;">4.</span></td><td style="border: 0px; margin: 0px; outline: 0px; padding: 0px;"><span style="color: black; font-size: small;">Flat interest rate of 8% per annum (equivalent to Effective Interest Rate of 14.5% per annum) shall apply for all application made during the Campaign Period for New-To-Bank applicants with minimum monthly gross salary of RM5,000.</span></td></tr>
<tr style="border: 0px; margin: 0px; outline: 0px; padding: 0px;"><td style="border: 0px; margin: 0px; outline: 0px; padding: 0px;" valign="top"><span style="color: black; font-size: small;">5.</span></td><td style="border: 0px; margin: 0px; outline: 0px; padding: 0px;"><span style="color: black; font-size: small;">Applications that do not meet the minimum income criteria for the campaign will be subjected to the existing published rates of 9% flat per annum (or equivalent to 16.4% effective interest rate per annum) for New-To-Bank or 7% flat per annum (equivalent to 13% effective interest rate) for existing Citibank Credit Card/Ready Credit customer.</span></td></tr>
<tr style="border: 0px; margin: 0px; outline: 0px; padding: 0px;"><td style="border: 0px; margin: 0px; outline: 0px; padding: 0px;" valign="top"><span style="color: black; font-size: small;">6.</span></td><td style="border: 0px; margin: 0px; outline: 0px; padding: 0px;"><span style="color: black; font-size: small;">"Existing customers" are individuals who are holding an existing active credit card and/or existing active Ready Credit with Citibank for more than 6 months. "New-to-Bank" are individuals who do not fall in the above category of "Existing Customers".</span></td></tr>
<tr style="border: 0px; font-size: 11px; margin: 0px; outline: 0px; padding: 0px;"><td style="border: 0px; margin: 0px; outline: 0px; padding: 0px;" valign="top"><span style="color: black; font-size: small;">7.</span></td><td style="border: 0px; margin: 0px; outline: 0px; padding: 0px;"><span style="color: black; font-size: small;">Final loan approval and rates are subject to Citibank's assessment and review. "Even lower rates" is in comparison with Citibank’s normal Published Rates.</span></td></tr>
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Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-8979260425956576546.post-88513557425513236172014-04-20T21:34:00.001-07:002014-04-20T22:03:45.636-07:00Bank Rakyat Personl Loan Rakan Pintar<div dir="ltr" style="text-align: left;" trbidi="on">
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Personal Financing-i Aslah for Civil Servant (Rakan Pintar) is a unique product that is designed specifically for public servants in which it offers a lower profit rate with the following benefits:</div>
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~ Special ATM Card (Rakan Pintar)</div>
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~ RM0.50 cash back on transaction charges for MEPS and Tabung Haji at ATM</div>
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Features</h3>
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<li style="box-sizing: border-box; color: black; line-height: 27px;">Amount of financing up to RM200,000</li>
<li style="box-sizing: border-box; color: black; line-height: 27px;">Financing tenure up to 10 years</li>
<li style="box-sizing: border-box; color: black; line-height: 27px;">Financing margin up to 35 times your monthly gross salary</li>
<li style="box-sizing: border-box; color: black; line-height: 27px;">No guarantor</li>
<li style="box-sizing: border-box; color: black; line-height: 27px;">Takaful coverage are optional</li>
<li style="box-sizing: border-box; color: black; line-height: 27px;">No advance payment</li>
</ul>
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<b style="box-sizing: border-box;">Financing Rate</b></h3>
<table class="table table-bordered" style="background-color: white; border-bottom-color: rgb(221, 221, 221); border-bottom-left-radius: 5px; border-bottom-right-radius: 5px; border-bottom-style: solid; border-right-color: rgb(221, 221, 221); border-right-style: solid; border-spacing: 0px; border-top-color: rgb(221, 221, 221); border-top-left-radius: 5px; border-top-right-radius: 5px; border-top-style: solid; border-width: 1px 1px 1px 0px; box-sizing: border-box; color: #414042; font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 15px; line-height: 20px; margin-bottom: 20px; max-width: 100%; overflow: hidden; width: 369px;"><tbody style="box-sizing: border-box;">
<tr style="box-sizing: border-box;"><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-left-radius: 2px; border-top-width: 0px; box-sizing: border-box; padding: 8px; vertical-align: top;">Protection</td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-width: 0px; box-sizing: border-box; padding: 8px; vertical-align: top;">Floating Rate</td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-right-radius: 2px; border-top-width: 0px; box-sizing: border-box; padding: 8px; vertical-align: top;">Ceiling Rate</td></tr>
<tr style="box-sizing: border-box;"><td rowspan="2" style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">With or Without Takaful</td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">BFR - 0.70%</td><td rowspan="2" style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;"><div align="center" style="box-sizing: border-box;">
BFR + 4.00%</div>
</td></tr>
<tr style="box-sizing: border-box;"><td style="background-color: #f9f9f9; border-bottom-left-radius: 2px; border-bottom-right-radius: 2px; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;"><div align="center" style="box-sizing: border-box;">
(Effective 5.90% @ Fixed 3.26%)</div>
</td></tr>
</tbody></table>
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*Note : Current Base Financing Rate (BFR) is 6.60%</div>
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Eligibility</h3>
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<li style="box-sizing: border-box; color: black; line-height: 27px;">Malaysian citizen</li>
<li style="box-sizing: border-box; color: black; line-height: 27px;">Minimum age of 18 years and maximum 60 years old at the end of the financing tenure</li>
<li style="box-sizing: border-box; color: black; line-height: 27px;">Minimum fixed monthly income of RM1,000 including fixed allowances</li>
<li style="box-sizing: border-box; color: black; line-height: 27px;">Public sector employee</li>
<li style="box-sizing: border-box; color: black; line-height: 27px;">Have been confirm in current service</li>
</ul>
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Payment Method</h3>
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<li style="box-sizing: border-box; color: black; line-height: 27px;">Saving/Current Account Deduction</li>
<li style="box-sizing: border-box; color: black; line-height: 27px;">(Salary transfer to Bank Rakyat)</li>
</ul>
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Documents Required</h3>
<table class="table table-bordered" style="background-color: white; border-bottom-color: rgb(221, 221, 221); border-bottom-left-radius: 5px; border-bottom-right-radius: 5px; border-bottom-style: solid; border-right-color: rgb(221, 221, 221); border-right-style: solid; border-spacing: 0px; border-top-color: rgb(221, 221, 221); border-top-left-radius: 5px; border-top-right-radius: 5px; border-top-style: solid; border-width: 1px 1px 1px 0px; box-sizing: border-box; color: #414042; font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 15px; line-height: 20px; margin-bottom: 20px; max-width: 100%; overflow: hidden; width: 369px;"><tbody style="box-sizing: border-box;">
<tr style="box-sizing: border-box;"><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-left-radius: 2px; border-top-width: 0px; box-sizing: border-box; padding: 8px; vertical-align: top;"><div align="center" style="box-sizing: border-box;">
</div>
</td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-right-radius: 2px; border-top-width: 0px; box-sizing: border-box; padding: 8px; vertical-align: top;"><div align="center" style="box-sizing: border-box;">
Document</div>
</td></tr>
<tr style="box-sizing: border-box;"><td rowspan="4" style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">New Application</td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">1. Copy of Identity Card / Authority Card (Police / Army)</td></tr>
<tr style="box-sizing: border-box;"><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">2. Latest 3 months' salary slip</td></tr>
<tr style="box-sizing: border-box;"><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">3. Latest employer's confirmation letter</td></tr>
<tr style="box-sizing: border-box;"><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">4. Latest three (3) months Bank Statements of salary crediting account</td></tr>
<tr style="box-sizing: border-box;"><td rowspan="2" style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">Repeated/Overlap Applicationl</td><td style="background-color: #f9f9f9; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">1. Copy of Identity Card</td></tr>
<tr style="box-sizing: border-box;"><td style="background-color: #f9f9f9; border-bottom-left-radius: 2px; border-bottom-right-radius: 2px; border-left-color: rgb(221, 221, 221); border-left-style: solid; border-left-width: 1px; border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; box-sizing: border-box; padding: 8px; vertical-align: top;">2. Latest 3 months' salary slip</td></tr>
</tbody></table>
</div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-8979260425956576546.post-926572261054819642014-04-02T21:34:00.004-07:002014-04-02T21:37:07.501-07:00Bank Rakyat Credit Card-i<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="background-color: white; color: #333333; font-family: Tahoma, sans-serif; font-size: 0.9em; font-weight: bold; line-height: 1.5;"><br /></span>
<span style="background-color: white; color: #333333; font-family: Arial, Helvetica, sans-serif; font-size: 0.9em; font-weight: bold; line-height: 1.5;">Kuala Lumpur: Bank Rakyat menyasar menarik kira-kira 10,000 pengguna kad jenama bersama terbarunya iaitu Credit Card-i menerusi kerjasama dengan Takaful Ikhlas, menjelang akhir tahun ini.</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif;">Pengarah Urusannya, Datuk Mustafha Abdul Razak berkata, bank sentiasa mencari peluang untuk mempelbagaikan produk serta perkhidmatan dan menubuhkan pusat untuk memberi khidmat kepada pemegang kad. </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">“Bank amat berbesar hati untuk bekerjasama dengan Takaful Ikhlas yang juga antara syarikat takaful terkenal di negara ini,” katanya pada majlis pelancaran kad kredit itu di sini, semalam.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Mustafha berkata, kerjasama itu akan membolehkan kedua-dua pihak mendapat faedah bersama dari segi meningkatkan asas pelanggan. </span></div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-size: 0.9em; line-height: 1.5; margin-bottom: 0.8em; margin-top: 0.8em;">
<span style="font-family: Arial, Helvetica, sans-serif;">Ini adalah kerjasama ketiga Bank Rakyat dengan syarikat lain dalam perniagaan kad kredit-i. Ia mempunyai hubungan yang sama dengan Koperasi Belia 1Malaysia (KOB1M) dan Koperasi Perkhidmatan Pelajaran Nasional Bhd (KOPENAS).</span><br />
<span style="font-family: Arial, Helvetica, sans-serif;">Beliau berkata, bank menyasar menarik 60,000 pemegang kad pada tahun ini melalui kerjasamanya dengan dengan KOB1M, KOPENAS dan Takaful Ikhlas.</span></div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-size: 0.9em; line-height: 1.5; margin-bottom: 0.8em; margin-top: 0.8em;">
<span style="font-family: Arial, Helvetica, sans-serif;">“Daripada 60,000, seramai 10,000 pengguna akan disumbangkan oleh Takaful Ikhlas melalui kad jenama bersama itu,” katanya.</span><br />
<span style="font-family: Arial, Helvetica, sans-serif;">Sementara itu, ketika ditanya mengenai bagaimana Bank Rakyat dan Takaful Ikhlas akan dapat menarik lebih ramai orang mendaftar kad dengan kemungkinan berlakunya inflasi pada pertengahan tahun ini, Presiden dan Ketua Pegawai Eksekutif Takaful Ikhlas, Ab Latiff Abu Bakar berkata, perkara itu tidak akan menjadi masalah.</span></div>
<div style="background-color: white; box-sizing: border-box; color: #333333; font-size: 0.9em; line-height: 1.5; margin-bottom: 0.8em; margin-top: 0.8em;">
<span style="font-family: Arial, Helvetica, sans-serif;">“Dengan faedah-faedah melalui kad jenama bersama ini, pengguna boleh berjimat lebih banyak daripada membelanjakannya,” katanya.</span></div>
</div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-8979260425956576546.post-9024404549589154852014-04-01T19:17:00.002-07:002014-04-01T19:32:02.364-07:00Pembiayaan motosikal kuasa tinggi Bank Islam<div dir="ltr" style="text-align: left;" trbidi="on">
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<strong style="background-color: white; color: #1d1d1b; font-family: 'Open Sans', sans-serif; font-size: 13px; text-align: justify;"><br /></strong>
<strong style="background-color: white; color: #1d1d1b; font-family: 'Open Sans', sans-serif; font-size: 13px; text-align: justify;">BANK </strong><span style="background-color: white; color: #1d1d1b; font-family: 'Open Sans', sans-serif; font-size: 13px; text-align: justify;">Islam Malaysia Berhad (Bank Islam) akan memperluaskan kemudahan pembiayaan kenderaan kepada pembelian motosikal berkuasa tinggi berkuat kuasa serta-merta.</span><br />
<br style="background-color: white; color: #1d1d1b; font-family: 'Open Sans', sans-serif; font-size: 13px; text-align: justify;" />
<span style="background-color: white; color: #1d1d1b; font-family: 'Open Sans', sans-serif; font-size: 13px; text-align: justify;">Pengarah Pembangunan Perniagaan Bank Islam, Khairul Kamarudin berkata, Bank Islam menawarkan kemudahan ini bagi memenuhi permintaan dan keperluan gaya hidup semasa pelanggan.</span><br />
<br style="background-color: white; color: #1d1d1b; font-family: 'Open Sans', sans-serif; font-size: 13px; text-align: justify;" />
<span style="background-color: white; color: #1d1d1b; font-family: 'Open Sans', sans-serif; font-size: 13px; text-align: justify;">"Kami menjangkakan peningkatan penggemar motosikal berkuasa tinggi dan rata-rata memerlukan pembiayaan bagi kenderaan itu.</span><br />
<br style="background-color: white; color: #1d1d1b; font-family: 'Open Sans', sans-serif; font-size: 13px; text-align: justify;" />
<span style="background-color: white; color: #1d1d1b; font-family: 'Open Sans', sans-serif; font-size: 13px; text-align: justify;">"Kami melihat potensi kewangan bagi motosikal berkuasa tinggi dan segmen pasaran ini masih belum diterokai oleh Bank Islam," katanya dalam satu kenyataan yang dikeluarkan, semalam.</span><br />
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<span style="background-color: white; color: #1d1d1b; font-family: 'Open Sans', sans-serif; font-size: 13px; text-align: justify;">Margin pembiayaan untuk pembelian motosikal berkuasa tinggi adalah sehingga 70 peratus bagi tempoh tiga hingga tujuh tahun.</span><br />
<br style="background-color: white; color: #1d1d1b; font-family: 'Open Sans', sans-serif; font-size: 13px; text-align: justify;" />
<span style="background-color: white; color: #1d1d1b; font-family: 'Open Sans', sans-serif; font-size: 13px; text-align: justify;">Kadar keuntungan yang berbeza-beza mengikut tempoh dan jenis adalah sangat kompetitif dan konsep pembiayaan adalah 100 peratus berdasarkan Syariah.</span><br />
<br style="background-color: white; color: #1d1d1b; font-family: 'Open Sans', sans-serif; font-size: 13px; text-align: justify;" />
<span style="background-color: white; color: #1d1d1b; font-family: 'Open Sans', sans-serif; font-size: 13px; text-align: justify;">Selain pembiayaan motosikal, Bank Islam juga menawarkan kemudahan pembiayaan bagi graduan yang ingin membeli kereta pertama, ‘Gradhitz-i’ dan pembiayaan kenderaan kepada sektor swasta dan kakitangan kerajaan pada terma dan keadaan yang sangat kompetitif.</span></div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-8979260425956576546.post-77703845991763331592014-03-31T19:30:00.002-07:002014-03-31T20:16:18.104-07:00HSBC Aytime Money - Anytime You Need It<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjuNTtKawbfK5_QMzOksylT00yXXErsl4NCH5SHZRBseXnRHraxzWnsKBO6rnujpev7od2shzkjod9sZhKB2OOqjt3-FQG3JAywD2urI_As3rF7ZWSEosJBHB_H5HsO_MJQL5Ja4_1ACocJ/s1600/logo.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjuNTtKawbfK5_QMzOksylT00yXXErsl4NCH5SHZRBseXnRHraxzWnsKBO6rnujpev7od2shzkjod9sZhKB2OOqjt3-FQG3JAywD2urI_As3rF7ZWSEosJBHB_H5HsO_MJQL5Ja4_1ACocJ/s1600/logo.gif" /></a></div>
<h2 style="color: #333333; font-family: Arial, Helvetica, sans-serif; font-size: 16px; line-height: 1em; margin: 0px; padding: 10px 0px;">
Features</h2>
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<br />
Anytime Money Personal Financing-i is hassle-free personal financing that allows you to leap into what you want, faster and easier.</div>
<h3 style="color: #333333; font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 1em; margin: 0px; padding: 7px 0px;">
This is right for you if you want...</h3>
<ul class="hsbcAmanahListStyle01" style="font-family: Arial, Helvetica, sans-serif; margin: 0px; padding: 4px 0px 0px;">
<li style="background-image: url(http://www.hsbcamanah.com.my/P2G_Themes_Skins/themes/html/hsbc_amanah_left_menu_new/images/list-images/list-image-03.gif); background-position: 5px 4px; background-repeat: no-repeat no-repeat; color: #666666; font-size: 12px; line-height: 1.2em; list-style: none; margin: 0px; padding: 0px 0px 10px 20px;">Financing up to RM120,000*</li>
<li style="background-image: url(http://www.hsbcamanah.com.my/P2G_Themes_Skins/themes/html/hsbc_amanah_left_menu_new/images/list-images/list-image-03.gif); background-position: 5px 4px; background-repeat: no-repeat no-repeat; color: #666666; font-size: 12px; line-height: 1.2em; list-style: none; margin: 0px; padding: 0px 0px 10px 20px;">Monthly payment as low as RM163**</li>
<li style="background-image: url(http://www.hsbcamanah.com.my/P2G_Themes_Skins/themes/html/hsbc_amanah_left_menu_new/images/list-images/list-image-03.gif); background-position: 5px 4px; background-repeat: no-repeat no-repeat; color: #666666; font-size: 12px; line-height: 1.2em; list-style: none; margin: 0px; padding: 0px 0px 10px 20px;">Flat rate from 10.5% pa</li>
<li style="background-image: url(http://www.hsbcamanah.com.my/P2G_Themes_Skins/themes/html/hsbc_amanah_left_menu_new/images/list-images/list-image-03.gif); background-position: 5px 4px; background-repeat: no-repeat no-repeat; color: #666666; font-size: 12px; line-height: 1.2em; list-style: none; margin: 0px; padding: 0px 0px 10px 20px;">Payment period up to five years</li>
<li style="background-image: url(http://www.hsbcamanah.com.my/P2G_Themes_Skins/themes/html/hsbc_amanah_left_menu_new/images/list-images/list-image-03.gif); background-position: 5px 4px; background-repeat: no-repeat no-repeat; color: #666666; font-size: 12px; line-height: 1.2em; list-style: none; margin: 0px; padding: 0px 0px 10px 20px;">Instant cash disbursement into your account with HSBC Amanah or HSBC upon approval</li>
</ul>
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<i>^ Based on Shariah principle of Commodity Murabahah<br />*Terms and conditions apply.<br />**Based on a financing tenure of 5 years for RM6,000</i></div>
<h3 style="color: #333333; font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 1em; margin: 0px; padding: 7px 0px;">
Fast and hassle-free application</h3>
<ul class="hsbcAmanahListStyle01" style="font-family: Arial, Helvetica, sans-serif; margin: 0px; padding: 4px 0px 0px;">
<li style="background-image: url(http://www.hsbcamanah.com.my/P2G_Themes_Skins/themes/html/hsbc_amanah_left_menu_new/images/list-images/list-image-03.gif); background-position: 5px 4px; background-repeat: no-repeat no-repeat; color: #666666; font-size: 12px; line-height: 1.2em; list-style: none; margin: 0px; padding: 0px 0px 10px 20px;">No guarantor</li>
<li style="background-image: url(http://www.hsbcamanah.com.my/P2G_Themes_Skins/themes/html/hsbc_amanah_left_menu_new/images/list-images/list-image-03.gif); background-position: 5px 4px; background-repeat: no-repeat no-repeat; color: #666666; font-size: 12px; line-height: 1.2em; list-style: none; margin: 0px; padding: 0px 0px 10px 20px;">No collateral</li>
<li style="background-image: url(http://www.hsbcamanah.com.my/P2G_Themes_Skins/themes/html/hsbc_amanah_left_menu_new/images/list-images/list-image-03.gif); background-position: 5px 4px; background-repeat: no-repeat no-repeat; color: #666666; font-size: 12px; line-height: 1.2em; list-style: none; margin: 0px; padding: 0px 0px 10px 20px;">Fast approval</li>
</ul>
<div class="hsbcAmanahContentStyle11b" style="color: #666666; font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 1.2em; padding: 0px 0px 15px;">
Note: The above does not constitute an offer of credit. All applications are subject to credit evaluation.</div>
<h2 style="color: #333333; font-family: Arial, Helvetica, sans-serif; font-size: 16px; line-height: 1em; margin: 0px; padding: 10px 0px;">
Requirements</h2>
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You’re eligible for an Anytime Money Personal Financing-i Account if...</div>
<ul class="hsbcAmanahListStyle01" style="font-family: Arial, Helvetica, sans-serif; margin: 0px; padding: 4px 0px 0px;">
<li style="background-image: url(http://www.hsbcamanah.com.my/P2G_Themes_Skins/themes/html/hsbc_amanah_left_menu_new/images/list-images/list-image-03.gif); background-position: 5px 4px; background-repeat: no-repeat no-repeat; color: #666666; font-size: 12px; line-height: 1.2em; list-style: none; margin: 0px; padding: 0px 0px 10px 20px;">You’re aged between 21 and 55</li>
<li style="background-image: url(http://www.hsbcamanah.com.my/P2G_Themes_Skins/themes/html/hsbc_amanah_left_menu_new/images/list-images/list-image-03.gif); background-position: 5px 4px; background-repeat: no-repeat no-repeat; color: #666666; font-size: 12px; line-height: 1.2em; list-style: none; margin: 0px; padding: 0px 0px 10px 20px;">Your monthly salary is RM3,000* or above</li>
<li style="background-image: url(http://www.hsbcamanah.com.my/P2G_Themes_Skins/themes/html/hsbc_amanah_left_menu_new/images/list-images/list-image-03.gif); background-position: 5px 4px; background-repeat: no-repeat no-repeat; color: #666666; font-size: 12px; line-height: 1.2em; list-style: none; margin: 0px; padding: 0px 0px 10px 20px;">You are Malaysian or have Malaysian PR status</li>
</ul>
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What documents do I require?</h3>
<ol class="hsbcAmanahListStyle04" style="margin: 0px; padding: 0px 0px 10px; text-align: left;">
<ul style="font-family: Arial, Helvetica, sans-serif;">
<li><strong style="color: #666666; font-size: 12px; line-height: 1.2em;">If you are salaried –</strong></li>
</ul>
<li style="color: #666666; font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 1.2em; list-style: decimal; margin: 0px 0px 0px 30px; padding: 4px 0px 4px 5px;">
<ul class="hsbcAmanahListStyle01" style="margin: 0px; padding: 4px 0px 0px;">
<li style="background-image: url(http://www.hsbcamanah.com.my/P2G_Themes_Skins/themes/html/hsbc_amanah_left_menu_new/images/list-images/list-image-03.gif); background-position: 5px 4px; background-repeat: no-repeat no-repeat; font-size: 12px; line-height: 1.2em; list-style: none; margin: 0px; padding: 0px 0px 10px 20px;">Copy of your NRIC.</li>
<li style="background-image: url(http://www.hsbcamanah.com.my/P2G_Themes_Skins/themes/html/hsbc_amanah_left_menu_new/images/list-images/list-image-03.gif); background-position: 5px 4px; background-repeat: no-repeat no-repeat; font-size: 12px; line-height: 1.2em; list-style: none; margin: 0px; padding: 0px 0px 10px 20px;">Copy of a current or previous month’s pay slip / copy of a Bank Statement showing salary credit into your account;<br />or<br />Form BE (full submission to the income tax department with payment receipts attached) / EA / EPF statement;<br />or<br />Copy of an Appointment letter (if employed less than three months).</li>
</ul>
</li>
<li style="color: #666666; font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 1.2em; list-style: decimal; margin: 0px 0px 0px 30px; padding: 4px 0px 4px 5px;"><div style="font-size: 12px; line-height: 1.2em; padding: 0px 0px 15px;">
<strong>If you are a variable income earner –</strong></div>
<ul class="hsbcAmanahListStyle01" style="margin: 0px; padding: 4px 0px 0px;">
<li style="background-image: url(http://www.hsbcamanah.com.my/P2G_Themes_Skins/themes/html/hsbc_amanah_left_menu_new/images/list-images/list-image-03.gif); background-position: 5px 4px; background-repeat: no-repeat no-repeat; font-size: 12px; line-height: 1.2em; list-style: none; margin: 0px; padding: 0px 0px 10px 20px;">Copy of your NRIC</li>
<li style="background-image: url(http://www.hsbcamanah.com.my/P2G_Themes_Skins/themes/html/hsbc_amanah_left_menu_new/images/list-images/list-image-03.gif); background-position: 5px 4px; background-repeat: no-repeat no-repeat; font-size: 12px; line-height: 1.2em; list-style: none; margin: 0px; padding: 0px 0px 10px 20px;">Copy of the latest three months’ pay slips / copy of your Bank Statement showing salary credits into the account.</li>
<li style="background-image: url(http://www.hsbcamanah.com.my/P2G_Themes_Skins/themes/html/hsbc_amanah_left_menu_new/images/list-images/list-image-03.gif); background-position: 5px 4px; background-repeat: no-repeat no-repeat; font-size: 12px; line-height: 1.2em; list-style: none; margin: 0px; padding: 0px 0px 10px 20px;">Form BE (full submission to the income tax department with payment receipts attached) / EPF statement / copy of your yearly commission statements from your employer.</li>
</ul>
</li>
<li style="list-style: decimal; margin: 0px 0px 0px 30px; padding: 4px 0px 4px 5px;"><div style="color: #666666; font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 1.2em; padding: 0px 0px 15px;">
<strong>If you are self-employed –</strong></div>
<ul class="hsbcAmanahListStyle01" style="color: #666666; font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 1.2em; margin: 0px; padding: 4px 0px 0px;">
<li style="background-image: url(http://www.hsbcamanah.com.my/P2G_Themes_Skins/themes/html/hsbc_amanah_left_menu_new/images/list-images/list-image-03.gif); background-position: 5px 4px; background-repeat: no-repeat no-repeat; font-size: 12px; line-height: 1.2em; list-style: none; margin: 0px; padding: 0px 0px 10px 20px;">Copy of your NRIC.</li>
<li style="background-image: url(http://www.hsbcamanah.com.my/P2G_Themes_Skins/themes/html/hsbc_amanah_left_menu_new/images/list-images/list-image-03.gif); background-position: 5px 4px; background-repeat: no-repeat no-repeat; font-size: 12px; line-height: 1.2em; list-style: none; margin: 0px; padding: 0px 0px 10px 20px;">Copy of latest Form B (full submission to the income tax department with payment receipts, or CPO2 attached) / EPF Statement / copy of your audited financial statement / Profit and Loss account.</li>
<li style="background-image: url(http://www.hsbcamanah.com.my/P2G_Themes_Skins/themes/html/hsbc_amanah_left_menu_new/images/list-images/list-image-03.gif); background-position: 5px 4px; background-repeat: no-repeat no-repeat; font-size: 12px; line-height: 1.2em; list-style: none; margin: 0px; padding: 0px 0px 10px 20px;">Copy of your Business Registration form.</li>
</ul>
</li>
</ol>
<span style="color: #666666; font-family: Arial, Helvetica, sans-serif;"><span style="font-size: 11.818181991577148px; line-height: 14.40000057220459px;"><br /></span></span></div>
Unknownnoreply@blogger.com0