DOCUMENTATIONS
1- GRADUATE SCHEME :-
- Identification Certificate Copy
- Driving License Copy
- Company Offer Letter
- Company Confirmation Letter
- Diploma/Degree/Master/PhD Certificate Copy
2- NORMAL SCHEME (GOVERNMENT / PRIVATE STAFF) :-
- Identification Certificate Copy
- Driving License Copy
- 3 Months Pay Slip
- 3 Months Accounts Statement / EPF Statement
INTEREST
1- GRADUATE SCHEME :-
~ 3 – 10 Years (90% loan) = 3.60%
~ 3 – 10 Years (100% loan) = 3.80%
*Interest rate subject to change without prior notice.
2- NORMAL SCHEME (GOVERNMENT / PRIVATE STAFF) :-
~ 3 Years = 2.80%
~ 5 Years = 2.80%
~ 7 Years = 2.80%
~ 9 Years = 2.80%
~ 10 Years (Bank Rakyat) = 3.99%
*Interest rate subject to change without prior notice.
For submission, you just prepare all documents and fax / email to us. We will assist you to buy a new car.
INFORMATION
1- Loan period approval normally will take around 1 to 3 days (working days). Depend on customer documents and records with banks.
2- 3 records bank will check for customers.
i- FIS (Financial Intelligent Center)
ii- CCRIS (Central Credit Reference Information System)
iii- CTOS (Credit Tip off Service)
3- Basic salary eligible is from RM1500 (basic salary + fix allowance) and above. Eligible salary follow by model. Minimum basic salary should be Monthly X 3 Months = Basic Salary / + Fix Allowance Eligible without any commitment.
Example :-
RM550 X 3 = RM1650
Basic salary lowest than eligible bank will request any site income with prove or
guarantor with complete documents. Guarantor only from parent / husband / wife or sibling and must have income.
