RHB PENCEN / PESARA


RHB PENSIONER PERSONAL FINANCING-i.

Pinjaman Pencen – Pembiayaan pesara-i (RHB) untuk bekas kakitangan kerajaan dan bekas anggota tentera di bawah skim pencen. Untuk layak mendapat pinjaman pencen ini, peminjam mesti memenuhi syarat-syarat yang di tetapkan. Sila rujuk maklumat di bawah.


PRODUCT FEATURES
  1. Interest Rate:5.00%
  2. Payout: Loan Amount - RM80 - Takaful (refer calculation below)
  3. Tenure: 3 to 15 years
  4. Max Age at end of tenure: 70 years old
  5. Max Age to apply: 66 years 9 months
  6. Financing Amount: RM5,000 to RM100,000
  7. Pension Amount: RM750.00 and above

LOAN AMOUNT ELIGIBILITY
  • Available Deduction = (Gross Pension - Deduction (House-if any)) x 50%
  • Example for customer with house deduction:
    • Eligible Deduction = RM1000.00 (Pension Amount) - RM300.00 (potongan rumah) x 50% = RM350.00
    • Refer to repayment table (RM350.00) to get loan amount
  • Example for customer without deduction:
    • Eligible Deduction = RM1000.00 x 50% = RM500.00
    • Refer to Repayment table with RM500.00 to get loan amount


TAKAFUL CALCULATION

  • Sample calculation, scenario:
    • Applicant Age : 55 yrs
    • Tenure : 10 years
    • Loan : RM10,000.00
  • Calculation:
    • Takaful = Factor x Loan Amount ÷ 1000.00
    • Takaful = 62.23 x 10,000.00 ÷ 1,000.00 = 622.30

DOCUMENT REQUIRED
  • 2 Copies I/C
  • 2 Copies Card PENCEN
  • 1 Copy Spouse I/C (for male applicant only)
    • Sijil Kematian (jika pemohon duda)
    • Sijil Cerai (jika pemohon sudah bercerai)
  • PENCEN Statement from Bank & HQ(jika pemohon JPA boleh print statement di laman web ini ( jpapencen.gov.my )
  • RHB Islamic Saving Account
  • Balu (tidak perlu I/C Suami)





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