No |
Term |
Definition |
1 |
Purpose |
To perform Umrah and Ziarah only |
2 |
Who Eligible |
• |
Government Agencies; |
• |
IPTAs; |
• |
Government Related Companies; |
• |
DRB-HICOM Berhad and its subsidiaries; |
• |
Selected Corporate Companies / Corporations. |
|
3 |
Financing Tenure |
3 years only
|
4 |
Financing Amount |
Minimum: RM5,000-00
Maximum: RM50,000-00 |
5 |
Margin of Financing |
None |
6 |
Profit Rate |
Without Ju'alah: 4.85%
With Ju'alah: 4.98% |
7 |
Ju'alah Rate |
Maximum 1.50% of the monthly installment collected |
8 |
Mode of Payment |
By way of Salary Deduction or Salary with BMMB |
9 |
Advance Payment |
Two months installments |
10 |
Security Deposit |
None |
11 |
Processing 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; |
• |
Price Quotation of the Purchase from Panel Travel Agencies:
i) |
Tabung Haji Travel & Services Sdn Bhd;
|
ii) |
Tradewinds Travel & Tours Sdn Bhd;
|
iii) |
Rayhar Travels Sdn Bhd; |
ii) |
Zahafiz Travel & Tours Sdn Bhd; |
iii) |
Al Quds Travel Sdn Bhd. |
|
|
19 |
Applicant's Eligibility |
• |
Age:
Minimum: 18 years old
Maximum: 55 years old or up to staff age of retirement set by the company,
whichever is earlier |
• |
Income:
Minimum: 1/3 of Net Salary |
• |
Employment:
Confirmed staff with minimum 3 years of service |
• |
Repayment Capacity:
1/3 or 33.33% of New Salary |
|
