No |
Term |
Definition |
1 |
Purpose |
For personal use |
2 |
Who Eligible |
• |
Kementerian Pertanian; |
• |
Kementerian Pertahanan; |
• |
Kementerian Dalam Negeri; |
• |
Kementerian Pelajaran; |
• |
Jabatan Perdana Menteri. |
|
3 |
Financing Tenure |
Minimum: 12 months
Maximum: 30 months |
4 |
Financing Amount |
Minimum: RM10,000.00
Maximum: RM250,000.00 |
5 |
Margin of Financing |
Maximum is 80% of Total Gratuity Amount |
6 |
Profit Rate |
6.75% Flat p.a. |
7 |
Ju'alah Rate |
None |
8 |
Mode of Payment |
Bullet payment from JPA (no monthly installment) |
9 |
Advance Payment |
None |
10 |
Security Deposit |
None |
11 |
Broker Fee |
RM40-00 |
12 |
Stamp Duty |
Ad Valerom |
13 |
Wasiat / Will-Writing |
Compulsory |
14 |
Takaful |
Compulsory |
15 |
Guarantor |
None |
16 |
CTOS Checking |
Yes |
17 |
CCRIS Checking |
None |
18 |
Documents Required |
• |
Copy of NRIC or ID (front and back); |
• |
Latest Salary Slip; |
• |
BMMB Saving Passbook; |
• |
Borang Opsyen (Pekeliling Perkhidmatan Bilangan 6); |
• |
Confirmation Letter of Employment. |
|
19 |
Applicant's Eligibility |
Minimum: 6 months before retire
Maximum: 2 years before retire
|
