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