MBSB NJOI Pakej

MBSB | Skim Pinjaman N'JOI (July 20, 2012)

Pakej Baru | MBSB N'JOI

MBSB N'JOI adalah pakej pinjaman terbaru yang menggantikan Xchange-i. Keistimewaan N'JOI adalah:

• Kadar 4.30% (tetap)
• Pinaman baru & Overlap dibolehkan
• Bonus ASTRO (percuma untuk pertama 4,000 permohonan)
• Maksimum loan sehingga RM250,000

MBSB telah melancarkan pakej baru 'NJOI RAYA BERSAMA MBSB' hari ini. Ini adalah sebuah kolaborasi antara ASTRO dan MBSB dimana aplikasi pertama 4.000 (menerima & dicairkan) akan memberikan anda pakej NJOI percuma sebagai sebahagian burung awal kempen promosi. Aplikasi diterima selepas itu akan diberikan pilihan untuk menikmati pakej pada RM260 dan jumlah ini akan dipotong dari jumlah bayaran. Titik jualan unik untuk ini kempen adalah pelanggan hanya perlu membayar RM260 sebagai satu bayaran dari / satu (bagi mereka yang kehilangan awal burung tawaran) dan tidak ada bayaran melanggan bulanan (zero subscription fee).

 Details of proposed package features - “MBSB NJOI”

NO	SUBJECT	PFI NEW PACKAGE: “MBSB N’JOI”
1.	FINANCING AMOUNT	Min. RM 50,000 Max. RM200,000 (Non Biro) / RM250,000 (Biro / AG)
2.	FINANCING TENURE	5 yrs. Min   -  20 yrs Max
3.	PROFIT RATES	With Takaful Banca product : 4.30 % fixed rate
4.	ELIGIBILITY CRITERIA	§  At least 19 yrs old and not exceeding 60 years upon expiry of facility or opted retirement age whichever comes first; and §  Malaysian Citizen; Permanent and confirmed employee; and §  Minimum salary RM 700.00 inclusive of fixed allowance; and §  Total deduction inclusive of MBSB’s instalment not to exceed 60% from the gross salary; and §   Open to Government (AG-Green Payslip and Non-AG) and Non-Government employees (Biro / AG / Non Biro).
5.	GUARANTOR REQUIREMENT	Waived
6.	REPAYMENT METHOD	AG / Biro Angkasa Salary Deduction / Employer Salary deduction
7.	SECURITY DEPOSIT	1 month Instalment
8.	PROCESSING FEE	3.0% from financing amount
9.	STAMP DUTY	RM10.00
10.	REDEMPTION	§   Early settlement penalty : 5.0 % from Outstanding Balance; and §   Redemption statement : RM100.00 per issuance; and §   Validity of redemption statement: 1 month
11.	TAKAFUL  COVERAGE (GCTT)	Compulsory on full financing amount and tenure
12.	CREDIT CHECKING	No adverse report on credit checking
13.	PRODUCT BUNDLING	§   Any Takaful Banca product; and §   Minimum of 1-year contribution will be deducted from the pay-out amount; and §   Renewal payment to follow per current practice.
14.	OTHERS	§   A member of TemanKu MBSB PFI Club; and/or §   Account holder for Al-Wadiah TK Saving Account; and/or ARB Will Writing package.
15.	COST FOR NJOI DECORDER	§   RM250 will be deducted from the PFI financing amount.
16.	PACKAGE VALIDITY	§   The above package is applicable from 19 July 2012 until 31 December 2012 and may be extended further according to market response.