tag:blogger.com,1999:blog-72049143752466006932024-03-21T15:43:51.643-07:00Malaysia Building Society Berhadthe most wanted loan sitebandit art networkhttp://www.blogger.com/profile/05199014042336815557noreply@blogger.comBlogger17125tag:blogger.com,1999:blog-7204914375246600693.post-35540627357497566642010-11-16T00:25:00.000-08:002010-11-16T00:26:37.729-08:00heloan.com.my services<table class="content" border="0" cellpadding="0" cellspacing="0" width="822"><tbody><tr><td valign="top" width="456"><img src="http://www.heloan.com.my/services/images/title01.gif" width="456" height="56" /></td> <td rowspan="2" valign="top" width="27"> </td> <td rowspan="2" background="../images/div.gif" valign="top" width="1"><img src="http://www.heloan.com.my/services/images/div.gif" width="1" height="10" /></td> <td rowspan="2" valign="top" width="27"> </td> <td colspan="2" valign="top"><br /></td> </tr> <tr> <td valign="top" width="456"> <div align="justify"><br /> <div align="justify"> <table align="left" border="0" cellpadding="0" cellspacing="0" width="190"> <tbody><tr> <td valign="top" width="190"><img src="http://www.heloan.com.my/services/images/img01.jpg" class="imagesright" align="left" width="172" height="110" /></td> </tr> </tbody></table> Everybody’s lending and financial needs are different, and yet most of us at different stages of our life find a need to borrow money for all sorts of occasions such as buying a house, starting a business, buying a car or a myriad of other needs.<br /> <br />To be truly effective as a money lender adviser we here at <span class="subtitle">HELOAN</span> believe it is important to offer a wide range of services and solutions.<br /> <br /> We are here to help people with their financing needs, whether they are personal, business or commercial loan. We believe that every financing need that is solved helps someone get ahead and achieve their life goals.<br /> <br /> <span class="maintitle">HELOAN LOAN SOLUTIONS</span><br /> <table class="content" border="0" cellpadding="0" cellspacing="1" width="375"> <tbody><tr> <td valign="top" width="29"><strong><img src="http://www.heloan.com.my/images/bullet02.gif" vspace="5" width="19" height="9" hspace="4" /></strong></td> <td width="174"><strong>Commercial Loans</strong></td> <td valign="top" width="29"><strong><img src="http://www.heloan.com.my/images/bullet02.gif" vspace="5" width="19" height="9" hspace="4" /></strong></td> <td><strong>Business Loan</strong></td> </tr> <tr> <td valign="top" width="29"><strong><img src="http://www.heloan.com.my/images/bullet02.gif" vspace="5" width="19" height="9" hspace="4" /></strong></td> <td><strong>Personal Loan</strong></td> <td valign="top" width="29"><strong><img src="http://www.heloan.com.my/images/bullet02.gif" vspace="5" width="19" height="9" hspace="4" /></strong></td> <td><strong>Cheque Loan</strong></td> </tr> <tr> <td valign="top"><strong><img src="http://www.heloan.com.my/images/bullet02.gif" vspace="5" width="19" height="9" hspace="4" /></strong></td> <td><strong>Mortgage Loan</strong></td> <td valign="top"> </td> <td> </td> </tr> </tbody></table> <br /> <img src="http://www.heloan.com.my/services/images/img04.png" alt="Low Interest Rate, 1 Hour Apporval, Flexible Installment Plan, No Collateral Required, High Commission for Introducer, Outcall Services" width="456" height="104" /><br /> <br /> <br /> <span class="maintitle">MORTGAGE LOAN</span><br /> Mortgage Loan means the borrower to a certain degree of collateral materials to ensure the loan to the lenders. It is a kind of bank lending capitalist form of collateral usually consists of securities, a variety of stocks, real estate,transport, as well as the goods bill of lading, gold,watchess or other documentation to prove ownership of the items. Loan maturity, the borrower must be shown with the return, otherwise the lenders have the right processor collateral, as a kind of compensation. Many people plan to refinance such loans as a complementary way,because it's a lowest interest loan in the market. Using this mortgage loans to customers that the period of time the interest rate will not rise.<br /><br /> <span class="maintitle">HOW HELOAN WORKS</span> <br /> <table border="0" cellpadding="0" cellspacing="0" width="456"> <tbody><tr> <td class="content" valign="top" width="29"><strong><img src="http://www.heloan.com.my/images/bullet02.gif" vspace="5" width="19" height="9" hspace="4" /></strong></td> <td valign="top"><div align="justify">As a licensed money lender we review, accept, fund and service our own loans.</div></td> </tr> <tr> <td colspan="2" valign="top"><img src="http://www.heloan.com.my/images/blank.gif" width="10" height="10" /></td> </tr> <tr> <td class="content" valign="top" width="29"><strong><img src="http://www.heloan.com.my/images/bullet02.gif" vspace="5" width="19" height="9" hspace="4" /></strong></td> <td valign="top"><div align="justify">Institutionally backed, we can offer exclusive rates & terms that are unavailable to other lenders. </div></td> </tr> <tr> <td colspan="2" valign="top"><img src="http://www.heloan.com.my/images/blank.gif" width="10" height="10" /></td> </tr> <tr> <td class="content" valign="top" width="29"><strong><img src="http://www.heloan.com.my/images/bullet02.gif" vspace="5" width="19" height="9" hspace="4" /></strong></td> <td valign="top"><div align="justify">Our backing also means we can also provide funding immediately for your personal or commercial needs.</div></td> </tr> <tr> <td colspan="2" valign="top"><img src="http://www.heloan.com.my/images/blank.gif" width="10" height="10" /></td> </tr> <tr> <td class="content" valign="top" width="29"><strong><img src="http://www.heloan.com.my/images/bullet02.gif" vspace="5" width="19" height="9" hspace="4" /></strong></td> <td valign="top"><div align="justify"> We are also committed to making a decision in the shortest possible time. </div></td> </tr> <tr> <td colspan="2" valign="top"><img src="http://www.heloan.com.my/images/blank.gif" width="10" height="10" /></td> </tr> <tr> <td class="content" valign="top" width="29"><strong><img src="http://www.heloan.com.my/images/bullet02.gif" vspace="5" width="19" height="9" hspace="4" /></strong></td> <td valign="top"><div align="justify">We continually work to improve our customer service so we can provide a tailored loan for each client.</div></td> </tr> <tr> <td colspan="2" valign="top"><img src="http://www.heloan.com.my/images/blank.gif" width="10" height="10" /></td> </tr> <tr> <td class="content" valign="top" width="29"><strong><img src="http://www.heloan.com.my/images/bullet02.gif" vspace="5" width="19" height="9" hspace="4" /></strong></td> <td valign="top"><div align="justify">Our lenders can wire cash directly to your account in one hour. No waiting is required, we have the highest approval rates around, so go ahead and apply now.</div></td> </tr> <tr> <td colspan="2" valign="top"><img src="http://www.heloan.com.my/images/blank.gif" width="10" height="10" /></td> </tr> <tr> <td class="content" valign="top" width="29"><strong><img src="http://www.heloan.com.my/images/bullet02.gif" vspace="5" width="19" height="9" hspace="4" /></strong></td> <td valign="top"><div align="justify">We work hard to protect your personal information and privacy. </div></td> </tr> <tr> <td colspan="2" valign="top"><img src="http://www.heloan.com.my/images/blank.gif" width="10" height="10" /></td> </tr> <tr> <td class="content" valign="top" width="29"><strong><img src="http://www.heloan.com.my/images/bullet02.gif" vspace="5" width="19" height="9" hspace="4" /></strong></td> <td valign="top"><div align="justify">We use encryption technology to ensure transfer of your data is safe. This makes certain that all your personal information is completely protected.</div></td></tr></tbody></table></div></div></td></tr></tbody></table>bandit art networkhttp://www.blogger.com/profile/05199014042336815557noreply@blogger.com0tag:blogger.com,1999:blog-7204914375246600693.post-52833524563000678782010-11-16T00:21:00.000-08:002010-11-16T00:23:51.172-08:00The RHB Personal Financing<div id="body_panel"><div class="l2"><div class="r2"><div class="bl2"><div class="br2"><div class="tl2"><div class="tr2"><div id="billboard_ad" style="background-image: url("img/img_billboard.jpg"); background-repeat: no-repeat;"><div id="content_navi"><h2>The RHB Personal Financing</h2>Effective relief for any financial headache <div id="content_navi_wrapper" style="height: 65px;"> <!-- link 1 --><br /><!-- END link 2 --> </div> <a href="http://mbsb2u.blogspot.com/" target="_blank"><img src="http://www.rhb.com.my/img/btn_downloadform.gif" alt="Download Form" border="0" width="124" height="23" /></a> <a href="http://mbsb2u.blogspot.com/" class="thickbox"><img src="http://www.rhb.com.my/img/btn_applynow.gif" alt="I'm interested" border="0" width="120" height="23" /></a> </div> <div id="content_body"> <!-- content 1--> <a name="1" id="1"></a> <p><strong class="title">Overview</strong></p> <p>Get <strong>RHB Personal Financing</strong> for an ideal lifestyle! For as low as <span style="color:#990000;">RM57.54*</span> per month, get <span style="color:#990000;">RM2,000</span> and more! Sign up now to enjoy these key benefits:</p> <ul style="list-style-image: url("../../img/bullet_diamond.gif");"><li>Repayment period from <span style="color:#990000;"><strong>1 to 5 years</strong></span></li><li>Financing amount from <span style="color:#990000;"><strong>RM2,000 to RM150,000</strong></span></li><li>Financing amount capping and <span style="color:#990000;"><strong>Interest Rates</strong></span> as below</li></ul> <br /> <p><strong class="title">Affordable monthly instalment</strong></p> <div align="center"> <table align="center" border="0" cellpadding="5" cellspacing="1" width="520"> <tbody><tr> <td rowspan="2" style="background-image: url("../../img/tl_corner.gif"); background-repeat: no-repeat;" align="center" bgcolor="#005aac" width="106"><a href="http://mbsb2u.blogspot.com/"><strong style="color: rgb(255, 255, 255);">Category</strong></a></td> <td colspan="2" align="center" bgcolor="#005aac" height="25"><a href="http://mbsb2u.blogspot.com/"><strong style="color: rgb(255, 255, 255);">Loan Amount Capping</strong></a></td> <td rowspan="2" style="background-image: url("../../img/tr_corner.gif"); background-repeat: no-repeat; background-position: right top;" align="center" bgcolor="#005aac" width="123"><a href="http://mbsb2u.blogspot.com/"><strong style="color: rgb(255, 255, 255);">Interest Rate from (p.a.)</strong></a></td> </tr> <tr> <td align="center" bgcolor="#005aac" width="137"><a href="http://mbsb2u.blogspot.com/"><strong style="color: rgb(255, 255, 255);">Minimum</strong></a></td> <td align="center" bgcolor="#005aac" width="109" height="20"><a href="http://mbsb2u.blogspot.com/"><strong style="color: rgb(255, 255, 255);">Maximum</strong></a></td> </tr> <tr> <td align="center" bgcolor="#b4dff1" height="20"><a href="http://mbsb2u.blogspot.com/">Tier 1</a></td> <td align="center" bgcolor="#b4dff1">RM2,000 </td> <td align="center" bgcolor="#b4dff1" height="20"><a href="http://mbsb2u.blogspot.com/">RM10,000</a></td> <td align="center" bgcolor="#b4dff1" height="20"><a href="http://mbsb2u.blogspot.com/">13.45%*</a></td> </tr> <tr> <td align="center" bgcolor="#b4dff1" height="20"><a href="http://mbsb2u.blogspot.com/">Tier 2</a></td> <td align="center" bgcolor="#b4dff1"><a href="http://mbsb2u.blogspot.com/">RM11,000</a></td> <td align="center" bgcolor="#b4dff1" height="20"><a href="http://mbsb2u.blogspot.com/">RM50,000</a></td> <td align="center" bgcolor="#b4dff1" height="20"><a href="http://mbsb2u.blogspot.com/"> 11.66%*</a></td> </tr> <tr> <td align="center" bgcolor="#b4dff1" height="20"><a href="http://mbsb2u.blogspot.com/">Tier 3</a></td> <td align="center" bgcolor="#b4dff1"><a href="http://mbsb2u.blogspot.com/">RM51,000</a></td> <td align="center" bgcolor="#b4dff1" height="20"><a href="http://mbsb2u.blogspot.com/">RM99,000</a></td> <td align="center" bgcolor="#b4dff1" height="20"><a href="http://mbsb2u.blogspot.com/">9.91%*</a></td> </tr> <tr> <td style="background-image: url("../../img/bl_corner.gif"); background-repeat: no-repeat; background-position: left bottom;" align="center" bgcolor="#b4dff1" height="20"><a href="http://mbsb2u.blogspot.com/">Tier 4</a></td> <td align="center" bgcolor="#b4dff1"><a href="http://mbsb2u.blogspot.com/">RM100,000</a></td> <td align="center" bgcolor="#b4dff1" height="20"><a href="http://mbsb2u.blogspot.com/">RM150,000</a></td> <td style="background-image: url("../../img/br_corner.gif"); background-repeat: no-repeat; background-position: right bottom;" align="center" bgcolor="#b4dff1" height="20"><a href="http://mbsb2u.blogspot.com/"> 8.18%*</a></td> </tr> </tbody></table> </div> <p>*The rates stated above are based on a flat rate and vary according to the repayment period from 12 months onwards.<a href="http://mbsb2u.blogspot.com/">The actual rate charged however will be calculated on a monthly reducing balance rate</a><a href="http://mbsb2u.blogspot.com/">.</a></p><p> (effective interest rate or in short EIR).<br />Tier 1: from 13.45%p.a. flat that is equivalent to EIR 24% p.a;<br /> Tier 2 from 11.66% p.a. flat that is equivalent to EIR 21% p.a.;<br /> Tier 3: from 9.91% p.a. flat that is equivalent to EIR 18% p.a.;<br /> Tier 4: from 8.18% p.a. flat that is equivalent to EIR 15% p.a.<br />The EIR rate may be higher if the monthly payment is not reqular.</p> <!--END content1--> </div> <div style="text-align: right; margin-top: 20px;"> <a href="http://mbsb2u.blogspot.com/" target="_blank"><img src="http://www.rhb.com.my/img/btn_downloadform.gif" alt="Download Form" border="0" width="124" height="23" /></a> <a href="http://mbsb2u.blogspot.com/" class="thickbox"><img src="http://www.rhb.com.my/img/btn_applynow.gif" alt="I'm interested" border="0" width="120" height="23" /></a> </div> </div> </div></div></div></div></div></div> </div>bandit art networkhttp://www.blogger.com/profile/05199014042336815557noreply@blogger.com0tag:blogger.com,1999:blog-7204914375246600693.post-21100247185727771112010-11-16T00:05:00.000-08:002010-11-16T00:19:48.827-08:00Personal Loan - Citibank Installment Loan<div style="width: 780px; height: 270px;"><img style="width: 477px; height: 165px;" src="http://www.citibank.com.my/global_images/upl_q410/hd_banner.jpg" alt="Up to 120,000 free Citi Rewards points for you. Rewards. Powered by Citi. Money in 3hrs*. Installment from RM118.88 per month**" border="0" /></div><img src="http://www.citibank.com.my/JFP/images/spacer.gif" class="tileAppBs" /> <div class="portalSubHeader" id="portalSubHeader"> </div> <script language="javascript" type="text/javascript"> function showHide(shID) { if (document.getElementById(shID)) { if (document.getElementById(shID+'-show').style.display != 'none') { document.getElementById(shID+'-show').style.display = 'none'; document.getElementById(shID).style.display = 'block'; } else { document.getElementById(shID+'-show').style.display = 'inline'; document.getElementById(shID).style.display = 'none'; } } } </script> <div class="portalBody" id="portalBody"><style type="text/css"> .bodyCopy { font-family: Arial, Helvetica, sans-serif; font-size:12px; color:#666666; line-height:18px } .bodyCopy span { font-family: Arial, Helvetica, sans-serif; font-size:16px; color:#666666; font-weight:bold; line-height:18px; } .bodyCopy2 { font-family: Arial, Helvetica, sans-serif; font-size:12px; color:#666666; line-height:18px; } .bodyCopy2 span { text-decoration:underline; } .minText { font-family: Arial, Helvetica, sans-serif; font-size: 11px; color: #666666; } .tnc { font-family: Arial, Helvetica, sans-serif; font-size: 11px; color: #888888; } .more { display: none; } a.showLink, a.hideLink { text-decoration: none; color: #666666; } a.hideLink { } .tnc a { padding-top:5px; color:#42afe5; text-decoration:underline; }</style><table class="bodyCopy" align="center" border="0" cellpadding="0" cellspacing="0" width="636"><tbody><tr><td><img src="http://www.citibank.com.my/global_images/upl_q410/txt_1.jpg" alt="Kickstart your dreams and be rewarded" width="378" height="25" /></td> </tr> <tr> <td style="padding: 5px 0px 10px;">Getting the money you need to do the things you want has never been easier.<br />Sign up for Citibank Personal Loan now and get your cash in 3 hours* plus a great reward too!<br /></td> </tr> <tr> <td align="right" height="20"><a href="javascript:top.Loadpage('/global_docs/forms/form_upl_q410.htm?utm_source=cbol&utm_medium=promopage&utm_campaign=upl_q410','Citibank%20Online','4','N','660','700')"><br /></a></td> </tr> <tr> <td><img src="http://www.citibank.com.my/global_images/upl_q410/txt_2.jpg" alt="Surprising Windfall (1 Sept – 31 Dec 2010)" width="340" height="23" /></td> </tr> <tr> <td height="10"><br /></td> </tr> <tr> <td>Take a Citibank Personal Loan amount of RM5,000 and above for a tenure<br />of 2 – 5 years between 4 Oct 2010 and<br />31 Jan 2011 and enjoy a huge windfall of Citi Rewards points! Receive<br />one of the rewards below once your loan is approved. (One reward per customer)***</td> </tr> <tr> <td height="15"><br /></td> </tr> <tr> <td>If you are a Citibank Platinum, Gold, Silver, Clear, Choice, AirAsia or CitiBusiness<br />credit cardmember, you’ll be rewarded with your loan equivalent in Citi Rewards points.</td> </tr> <tr> <td height="15"><br /></td> </tr> <tr> <td>For example:</td> </tr> <tr> <td height="10"><br /></td> </tr> <tr> <td><img style="width: 469px; height: 30px;" src="http://www.citibank.com.my/global_images/upl_q410/table_5.jpg" alt="Take a Citi Installment loan of RM10,000 = Get 10,000 Citi Rewards points." /></td> </tr> <tr> <td height="20"><br /></td> </tr> <tr> <td height="20"><table class="bodyCopy" border="0" cellpadding="0" cellspacing="0" width="636"> <tbody><tr> <td valign="top" width="465">If you are a Citibank Cash Back, Giant-Citibank, Shell Citibank credit cardmember,<br />or Citibank Home Loan customer, you'll still be rewarded! <strong>Receive a Giant supermarket<br />shopping voucher worth up to RM1,000!</strong></td> <td width="18"><br /></td> </tr> </tbody></table></td> </tr> <tr> <td height="20"><br /></td> </tr> <tr> <td><img style="width: 485px; height: 231px;" src="http://www.citibank.com.my/global_images/upl_q410/table_1.jpg" alt="Approved loan amount (RM) = Giant shopping voucher (RM); Above 100,001 = 1,000 , 80,001 - 100,000 = 600 , 60,001 – 80,000 = 450 , 40,001 – 60,000 = 300 , 20,001 – 40,000 = 150 , 5,000 – 20,000 = 50" /></td> </tr> <tr> <td height="20"><br /></td> </tr> <tr> <td height="25"><br /></td> </tr> </tbody></table> <table class="bodyCopy2" align="center" border="0" cellpadding="0" cellspacing="0" width="636"> <tbody><tr> <td><img style="width: 482px; height: 15px;" src="http://www.citibank.com.my/global_images/upl_q410/txt_4.jpg" /></td> </tr> <tr> <td height="5"><br /></td> </tr> <tr> <td><a href="http://www.citibank.com.my/MYGCB/APPS/portal/loadPage.do?htmlPageName=/prod/det/loan_ins_loan.htm#" id="example-show" class="showLink" onclick="showHide('example');return false;">Click <span>here</span> to see how.</a></td> </tr> <tr> <td><div id="example" class="more"><table border="0" cellpadding="0" cellspacing="0" width="636"> <tbody><tr> <td class="bodyCopy2"><a href="http://www.citibank.com.my/MYGCB/APPS/portal/loadPage.do?htmlPageName=/prod/det/loan_ins_loan.htm#" id="example-hide" class="hideLink" onclick="showHide('example');return false;">Click <span>here</span> to hide table.</a></td> </tr> <tr> <td height="15"></td> </tr> <tr> <td><img src="http://www.citibank.com.my/global_images/upl_q410/table_2.jpg" alt="Loan amount (max. RM120,000) = Affordable monthly repayment (RM); 5,000 = 242 (2 years) 173 (3 years) 139 (4 years) 118.88 (5 years), 10,000 = 485 (2 years) 346 (3 years) 278 (4 years) 238 (5 years), 15,000 = 727 (2 years) 520 (3 years) 417 (4 years) 356 (5 years), 20,000 = 969 (2 years) 693 (3 years) 556 (4 years) 475 (5 years). Calculation is based on Effective Interest Rate of 14.95% p.a. for a tenure of 2, 3, 4 or 5 years. Interest rate is subjected to credit review." width="636" height="243" /></td> </tr> <tr> <td height="10"></td> </tr> <tr> </tr></tbody></table> </div><br /></td> </tr> <tr> <td height="15"><br /></td> </tr> </tbody></table> <table class="bodyCopy" align="center" border="0" cellpadding="0" cellspacing="0" width="636"><tbody><tr> <td height="20"><img src="http://www.citibank.com.my/global_images/upl_q410/txt_3.jpg" alt="Minimum Requirements" width="177" height="17" /></td> </tr> <tr> <td height="8"><br /></td> </tr> <tr> <td height="20"><table class="minText" border="0" cellpadding="0" cellspacing="0" width="636"> <tbody><tr> <td width="15"><img src="http://www.citibank.com.my/global_images/upl_q410/point_arrow.jpg" width="12" height="9" /></td> <td width="621">Malaysian citizen or permanent resident</td> </tr> <tr> <td height="5"><br /></td> <td height="5"><br /></td> </tr> <tr> <td><img src="http://www.citibank.com.my/global_images/upl_q410/point_arrow.jpg" width="12" height="9" /></td> <td>21 years of age and above</td> </tr> <tr> <td height="5"><br /></td> <td height="5"><br /></td> </tr> <tr> <td><img src="http://www.citibank.com.my/global_images/upl_q410/point_arrow.jpg" width="12" height="9" /></td> <td>Minimum annual income of RM24,000</td> </tr> <tr> <td height="5"><br /></td> <td height="5"><br /></td> </tr> <tr> <td><img src="http://www.citibank.com.my/global_images/upl_q410/point_arrow.jpg" width="12" height="9" /></td> <td>Currently holding credit facilities (credit card / home loan) with Citibank</td> </tr> <tr> <td height="5"><br /></td> <td height="5"><br /></td> </tr> <tr> <td><img src="http://www.citibank.com.my/global_images/upl_q410/point_arrow.jpg" width="12" height="9" /></td> <td>Minimal documentation (refer below):</td> </tr> </tbody></table></td> </tr> <tr> <td height="15"><br /></td> </tr> <tr> <td><table border="0" cellpadding="0" cellspacing="0" width="636"> <tbody><tr> <td width="15"><br /></td> <td width="222"><img src="http://www.citibank.com.my/global_images/upl_q410/table_3.jpg" alt="Salaried Employee: NRIC, Latest pay slip, Latest EPF statement" width="222" height="139" /></td> <td width="15"><br /></td> <td align="left" width="386"><img src="http://www.citibank.com.my/global_images/upl_q410/table_4.jpg" alt="Self-Employed: NRIC, Latest payslip, Latest EPF statement or, Latest 'Borang B' with tax receipt, Business Registration Card" width="222" height="139" /></td> </tr> </tbody></table> </td> </tr> <tr> <td height="30"><br /></td> </tr> <tr> <td class="tnc">*Terms and conditions apply. Citibank Installment Loan is open only to existing Citibank customers<br />with at least 1 existing credit facility (Credit Cards/Home Loan). Citibank reserves the right to request<br />for additional documentation where deemed necessary. Loan approval and interest rate is subject to<br />credit review.<br /> **Calculation is based on a RM5,000 loan amount. Effective Interest Rate is 14.95% p.a. (5-year tenure).<br />Flat interest rate is<br />8.52% p.a.<br />***Promotion terms and conditions apply. </td> </tr> <tr> <td height="10"><br /></td> </tr> <tr> <td class="tnc"><a href="http://mbsb2u.blogspot.com/" target="_blank">Fees & Charges</a></td> </tr> <tr> <td class="tnc"><a href="http://mbsb2u.blogspot.com/">Citibank Surprising Windfall Campaign Terms & Conditions</a></td> </tr> <tr> <td class="tnc"><a href="http://mbsb2u.blogspot.com/">Citibank Installment Loan Terms & Conditions</a></td></tr></tbody></table></div>bandit art networkhttp://www.blogger.com/profile/05199014042336815557noreply@blogger.com0tag:blogger.com,1999:blog-7204914375246600693.post-39007419434667415112010-11-15T23:55:00.000-08:002010-11-16T00:04:57.550-08:00hsbc Personal Financing-i<h1 id="glossary">Anytime Money Personal Financing-i</h1> <script language="javascript" type="text/javascript"> //Script to parse URL Address Location for parameters var code1 = ""; var code2 = "RAYA"; var code3 = ""; var l=document.location.toString().split("?"); /* now _l is the parameters */ var m =""; var n =""; if (l!=""){ if(l[1]) m = l[1].split("&"); /* now _m is an array of all parameters */ for (var i=0;i<m.length;i++) n="m[i].split(" code1 =" n[1];" code2 =" n[1];" code3 =" n[1];"> <!-- Google Code for Anytime Money Personal Financing-i Conversion Page --> <script type="text/javascript"> <!-- var google_conversion_id = 1032372071; var google_conversion_language = "en_US"; var google_conversion_format = "3"; var google_conversion_color = "ffffff"; var google_conversion_label = "gqWoCOmfkAEQ5_6i7AM"; //--> </script> <script type="text/javascript" src="http://www.googleadservices.com/pagead/conversion.js"> </script><img src="http://www.googleadservices.com/pagead/conversion/1032372071/?random=1289894402929&cv=6&fst=1289894402929&num=1&fmt=3&label=gqWoCOmfkAEQ5_6i7AM&bg=ffffff&hl=en&gl=US&guid=ON&u_h=1024&u_w=1280&u_ah=994&u_aw=1280&u_cd=24&u_his=3&u_tz=480&u_java=false&u_nplug=9&u_nmime=27&ref=http%3A//www.hsbcamanah.com.my/1/2/amanah/personal/financing/anytime-money-personal-financing-i/anytime-money-personal-financing-i-details&url=http%3A//www.hsbcamanah.com.my/1/2/amanah/personal/financing/anytime-money-personal-financing-i" border="0" width="1" height="1" /><noscript></noscript> <div class="hsbcAmanahContentStyle05"><a href="http://mbsb2u.blogspot.com/"><img style="width: 422px; height: 128px;" src="http://www.hsbcamanah.com.my/1/PA_1_1_S5/content/amanah/website/images/personal/financing/pil.jpg" alt="Anytime Money - Personal Fiancing-i" /></a></div> <div class="hsbcAmanahContentStyle07"><h2>Anytime Money - Anytime You Need It</h2><p class="hsbcAmanahContentStyle11b">There are times when you need funds immediately. To secure an opportunity, fulfil a need in your lifestyle or maybe to handle life's little twists and turns.
<br />
<br />Anytime Money Personal Financing-i is hassle-free personal financing that allows you to leap into what you want, faster and easier.</p><h3>This is right for you if you want...</h3><ul class="hsbcAmanahListStyle01"><li>Financing up to RM120,000*</li><li>Monthly payment as low as RM163**</li><li>Flat rate from 10.5% pa</li><li>Payment period up to five years</li><li>Instant cash disbursement into your account with HSBC Amanah or HSBC upon approval</li></ul><p class="hsbcAmanahContentStyle11b"><i>^ Based on Shariah principle of Bai Al-Inah
<br />*Terms and conditions apply.
<br />**Based on a financing tenure of 5 years for RM6,000</i> </p><h3>Fast and hassle-free application</h3><ul class="hsbcAmanahListStyle01"><li>No guarantor</li><li>No collateral</li><li>Fast approval</li></ul><p class="hsbcAmanahContentStyle11b">Note: The above does not constitute an offer of credit. All applications are subject to credit evaluation.</p><div class="hsbcAmanahContentStyle07"><h2>Requirements</h2><p class="hsbcAmanahContentStyle11b">You’re eligible for an Anytime Money Personal Financing-i Account if...</p><ul class="hsbcAmanahListStyle01"><li>You’re aged between 21 and 55</li><li>Your monthly salary is RM2,000 or above</li><li>You are Malaysian or have Malaysian PR status</li></ul><h3>What documents do I require?</h3><ol class="hsbcAmanahListStyle04"><li><p><strong>If you are salaried –</strong></p><ul class="hsbcAmanahListStyle01"><li>Copy of your NRIC.</li><li>Copy of a current or previous month’s pay slip / copy of a Bank Statement showing salary credit into your account;
<br />or
<br />Form BE (full submission to the income tax department with payment receipts attached) / EPF statement;
<br />or
<br />Copy of an Appointment letter (if employed less than three months).</li></ul></li><li><p><strong>If you are a variable income earner –</strong></p><ul class="hsbcAmanahListStyle01"><li>Copy of your NRIC</li><li>Copy of the latest three months’ pay slips / copy of your Bank Statement showing salary credits into the account.</li><li>Form BE (full submission to the income tax department with payment receipts attached) / EPF statement / copy of your yearly commission statements from your employer.</li></ul></li><li><p><strong>If you are self-employed –</strong></p><ul class="hsbcAmanahListStyle01"><li>Copy of your NRIC.</li><li>Copy of latest Form B (full submission to the income tax department with payment receipts, or CPO2 attached) / EPF Statement / copy of your audited financial statement / Profit and Loss account.</li><li>Copy of your Business Registration form.</li></ul></li></ol>
<br /><div class="hsbcAmanahContentStyle11 hsbcAmanahContentStyle48"><h2>What’s the monthly payment?</h2><h3>Monthly Payment Schedule excluding Takaful Contribution</h3><table><thead><tr><th scope="col" rowspan="2" class="hsbcAmanahContentStyle48a"><strong>Financing Amount+</strong></th><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><th scope="colgroup" colspan="14" class="hsbcAmanahContentStyle48b"><strong>Monthly Payment</strong></th></tr><tr><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><th scope="col" class="hsbcAmanahContentStyle48a">2 years</th><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><th scope="col" class="hsbcAmanahContentStyle48a">3 years</th><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><th scope="col" class="hsbcAmanahContentStyle48a">4 years</th><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><th scope="col" class="hsbcAmanahContentStyle48a">5 years</th></tr></thead><tbody><tr><td>RM 6,000</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 313 </td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 230</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 188</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 163</td></tr><tr class="hsbcAmanahContentStyle48c"><td>RM 10,000</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 521</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 382</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 313</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 271</td></tr><tr><td>RM 20,000</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 1,025</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 748</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 609</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 525</td></tr><tr class="hsbcAmanahContentStyle48c"><td>RM 30,000</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 1,538</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 1,121</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 913</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 788</td></tr><tr><td>RM 40,000</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 2,050</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 1,495</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 1,217</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 1,050</td></tr><tr class="hsbcAmanahContentStyle48c"><td>RM 50,000</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 2,521</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 1,827</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 1,480</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 1,271</td></tr><tr><td>RM 60,000</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 3,025</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 2,192</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 1,775</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 1,525</td></tr><tr class="hsbcAmanahContentStyle48c"><td>RM 70,000</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 3,530</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 2,557</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 2,071</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 1,780</td></tr><tr><td>RM 80,000</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 4,034</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 2,923</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 2,367</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 2,034</td></tr><tr class="hsbcAmanahContentStyle48c"><td>RM 90,000</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 4,538</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 3,288</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 2,663</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 2,288</td></tr><tr><td>RM 100,000</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 5,042</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 3,653</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 2,959</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 2,542</td></tr><tr class="hsbcAmanahContentStyle48c"><td>RM 120,000</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 6,050</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 4,384</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 3,550</td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td style="vertical-align: top;">
<br /></td><td>RM 3,050</td></tr></tbody></table></div><div class="hsbcAmanahContentStyle11 hsbcAmanahContentStyle48"><h3>Monthly Payment Schedule including Takaful Contribution</h3><table><thead><tr><th scope="col" rowspan="2" class="hsbcAmanahContentStyle48a"><strong>Financing Amount+</strong></th><th scope="colgroup" colspan="4" class="hsbcAmanahContentStyle48b"><strong>Monthly Payment</strong></th></tr><tr><th scope="col" class="hsbcAmanahContentStyle48a">2 years</th><th scope="col" class="hsbcAmanahContentStyle48a">3 years</th><th scope="col" class="hsbcAmanahContentStyle48a">4 years</th><th scope="col" class="hsbcAmanahContentStyle48a">5 years</th></tr></thead><tfoot><tr><td colspan="5">
<br />+Figures are rounded up to closest RM. The monthly Payment Amount with Takaful is subject to the age of the Covered Participant and may differ from the above figures. The age used in the illustration above is for customers within the range of 20-35 years.
<br />
<br /></td></tr></tfoot><tbody><tr><td>RM 6,000</td><td>RM 326</td><td>RM 239</td><td>RM 195</td><td>RM 169</td></tr><tr class="hsbcAmanahContentStyle48c"><td>RM 10,000</td><td>RM 534</td><td>RM 392</td><td>RM 320</td><td>RM 278</td></tr><tr><td>RM 20,000</td><td>RM 1,038</td><td>RM 757</td><td>RM 616</td><td>RM 532</td></tr><tr class="hsbcAmanahContentStyle48c"><td>RM 30,000</td><td>RM 1,550</td><td>RM 1,130</td><td>RM 921</td><td>RM 797</td></tr><tr><td>RM 40,000</td><td>RM 2,063</td><td>RM 1,506</td><td>RM 1,228</td><td>RM 1,063</td></tr><tr class="hsbcAmanahContentStyle48c"><td>RM 50,000</td><td>RM 2,536</td><td>RM 1,840</td><td>RM 1,493</td><td>RM 1,287</td></tr><tr><td>RM 60,000</td><td>RM 3,043</td><td>RM 2,209</td><td>RM 1,792</td><td>RM 1,544</td></tr><tr class="hsbcAmanahContentStyle48c"><td>RM 70,000</td><td>RM 3,550</td><td>RM 2,577</td><td>RM 2,091</td><td>RM 1,801</td></tr><tr><td>RM 80,000</td><td>RM 4,057</td><td>RM 2,945</td><td>RM 2,389</td><td>RM 2,059</td></tr><tr class="hsbcAmanahContentStyle48c"><td>RM 90,000</td><td>RM 4,565</td><td>RM 3,313</td><td>RM 2,688</td><td>RM 2,316</td></tr><tr><td>RM 100,000</td><td>RM 5,072</td><td>RM 3,681</td><td>RM 2,987</td><td>RM 2,573</td></tr><tr class="hsbcAmanahContentStyle48c"><td>RM 120,000</td><td>RM 6,087</td><td>RM 4,418</td><td>RM 3,584</td><td>RM 3,089</td></tr></tbody></table></div><table><thead><tr><th scope="col" class="hsbcAmanahContentStyle48a"><strong>Financing Amount**</strong></th><th scope="col" class="hsbcAmanahContentStyle48a"><strong>Fixed Flat Rate Per Annum***</strong></th></tr></thead><tfoot><tr><td colspan="5">
<br />** For the purpose of determining the flat rate per annum applicable to the Financing Amount, the computation of the Financing Amount will exclude the Takaful Contribution.
<br />
<br />*** Rates offered are effective from 2 November 2009 and are subject to change from time to time and is granted at the absolute discretion of the Bank.</td></tr></tfoot></table></div></div>bandit art networkhttp://www.blogger.com/profile/05199014042336815557noreply@blogger.com0tag:blogger.com,1999:blog-7204914375246600693.post-47549507346561710132010-11-15T22:58:00.000-08:002010-11-15T23:01:39.713-08:00House Financing Facility With Maximum Loan to Value 70%”<h2 style="text-align: center;"><p>Hi Everyone,</p> <p>We are receiving tremendous request to explain in details for the new ruling “<a title="Permanent Link to 3rd HOUSE FINANCING FACILITY WITH MAXIMUM LOAN TO VALUE 70%" href="http://malaysiahousingloan.net/2010/11/03/3rd-house-financing-facility-with-maximum-loan-to-value-70/"></a><a href="http://mbsb2u.blogspot.com/">3<sup>rd</sup></a> House Financing Facility With Maximum Loan to Value 70%” .We would like to clear the air with the chaos in the <a href="http://malaysiahousingloan.net/">housing loan </a>sector. Here, we provide simple example for this new ruling.</p> <p>These simple conditions apply:</p> <p>1) Banks will refer to CCRIS report.</p> <p><strong><em>What is CCRIS?</em></strong></p> <p>CCRIS is a Bank Negara Malaysia (BNM) sponsored system that supports the functions of the Credit Bureau (CB)</p> <p><strong><em> </em></strong></p> <p><strong><em>What is CREDIT BUREAU (CB)?</em></strong></p> <p>Credit Bureau is a unit established by BNM to collect credit information on borrowers from financial institutions and supplies the information back to financial institutions.</p> <p>The Credit Bureau does not collect any information on deposits or the investment portfolio of any individual or corporation.</p> <p>2) Bank will only refer to existing <a href="http://malaysiahousingloan.net/">home loan </a>or payslip (for government staff). Bank will not base on Sales and Purchase agreement or ownership of the property.</p> <p><strong><span style="text-decoration: underline;">Example 1 :</span></strong></p> <p>Mr A has 3 existing<a href="http://mbsb2u.blogspot.com/"> </a><a href="http://mbsb2u.blogspot.com/">home loan </a>with few banks.</p> <p>Ms B has only 1 existing <a href="http://malaysiahousingloan.net/">home loan </a>with bank.</p> <p>Now, Mr A would like to purchase a new house with Ms B. Sales and Purchase agreement under Mr. A and Ms B.</p> <p><strong><em><span style="text-decoration: underline;">Scenario 1:</span></em></strong></p> <p>With an assumption, the new <a href="http://malaysiahousingloan.net/">home loan </a>under Mr. A name. The home loan entitlement will be up to margin 70% only. Because, this is Mr A’s 4<sup>th</sup> <a href="http://mbsb2u.blogspot.com/">home loan</a>.</p> <p><strong><em><span style="text-decoration: underline;">Scenario 2:</span></em></strong></p> <p>With an assumption, new <a href="http://malaysiahousingloan.net/">home loan </a>under Ms B name only. The<a href="http://malaysiahousingloan.net/"> home loan </a>entitlement will be up to margin 90%. Because, this is Ms B’s 2<sup>nd</sup> <a href="http://malaysiahousingloan.net/">home loan</a>.</p> <p><strong><em><span style="text-decoration: underline;">Scenario 3 :</span></em></strong></p> <p>With an assumption, new <a href="http://malaysiahousingloan.net/">home loan </a>under Mr A and Ms B name. The<a href="http://malaysiahousingloan.net/"> home loan </a>entitlement will be up to margin 70%. Because, this is Mr A’s 4<sup>th</sup> <a href="http://malaysiahousingloan.net/">home loan.</a></p> <p><strong><span style="text-decoration: underline;">Example 2:</span></strong></p> <p>Mr A has 2 existing <a href="http://malaysiahousingloan.net/">home loans </a>with bank. Recently, he sold one of the houses, Sales and Purchase agreement signed. CCRIS still appear this <a href="http://mbsb2u.blogspot.com/">home loan</a><a href="http://mbsb2u.blogspot.com/">.</a></p> <p>Today, Mr A purchased a new house.</p> <p>If he applied a <a href="http://mbsb2u.blogspot.com/">home loan </a>for the new house, what is the entitlement?</p> <p>Answer: Up to 70%. Because, it is consider 3<sup>rd</sup> <a href="http://mbsb2u.blogspot.com/">home loan</a>. His existing home loan still appears in CCRIS report.</p> <p>If the <a href="http://malaysiahousingloan.net/">home loan </a>no longer appears in CCRIS, then his entitlement for <a href="http://malaysiahousingloan.net/">home loan </a>will be 90%.</p> <p><strong><span style="text-decoration: underline;">Example 3:</span></strong></p> <p>Mr. A don’t have any property under his name. Basically, he didn’t own any house. But, he has 2 <a href="http://malaysiahousingloan.net/">home loans </a>co-joining with his sister and brother. He joined as a co-borrower because both of his brother and sister do not have sufficient income at that moment.</p> <p>Now, he interested to purchase first house under his name and apply a <a href="http://mbsb2u.blogspot.com/">home loan</a>. What is his entitlement?</p> <p>Answer : Up to 70%. Since, the new <a href="http://malaysiahousingloan.net/">home loan </a>will be 3<sup>rd</sup> <a href="http://mbsb2u.blogspot.com/">home loan</a>.</p> <p><strong><span style="text-decoration: underline;">Example 4:</span></strong></p> <p>Mr A has 10 houses around Malaysia. All houses are fully paid or buying with cash. Now, he is purchasing a new house and would like to apply for a <a href="http://mbsb2u.blogspot.com/">home loan</a>. What is his entitlement?</p> <p>Answer: Up to 90%.</p> <address>*Checked with Ms Norhana from Bank Negara Malaysia (<span style="color: rgb(0, 0, 0);"> 1-300-88-5465 )</span></address> <p>For more home loan information, please free to <a title="Contact Us" href="http://mbsb2u.blogspot.com/">contact us</a></p> <p>Thank you.</p> <p>Tags: <a href="http://mbsb2u.blogspot.com/" rel="tag">3rd home loan</a><a href="http://mbsb2u.blogspot.com/">, </a><a href="http://mbsb2u.blogspot.com/" rel="tag">3rd house</a><a href="http://mbsb2u.blogspot.com/">, </a><a href="http://mbsb2u.blogspot.com/" rel="tag">3rd housing loan</a><a href="http://mbsb2u.blogspot.com/">, </a><a href="http://mbsb2u.blogspot.com/" rel="tag">70% home loan</a><a href="http://mbsb2u.blogspot.com/">, </a><a href="http://mbsb2u.blogspot.com/" rel="tag">70% housing loan</a><a href="http://mbsb2u.blogspot.com/">, </a><a href="http://mbsb2u.blogspot.com/" rel="tag">70% loan</a><a href="http://mbsb2u.blogspot.com/">, </a><a href="http://mbsb2u.blogspot.com/" rel="tag">HOME LOAN</a><a href="http://mbsb2u.blogspot.com/">, </a><a href="http://mbsb2u.blogspot.com/" rel="tag">home loan calculator</a><a href="http://mbsb2u.blogspot.com/">, </a><a href="http://mbsb2u.blogspot.com/" rel="tag">housing loan</a><a href="http://mbsb2u.blogspot.com/">, </a><a href="http://mbsb2u.blogspot.com/" rel="tag">loan</a><a href="http://mbsb2u.blogspot.com/">, </a><a href="http://mbsb2u.blogspot.com/" rel="tag">loan up to 70%</a><a href="http://mbsb2u.blogspot.com/">, </a><a href="http://mbsb2u.blogspot.com/" rel="tag">LTV 70%</a><a href="http://mbsb2u.blogspot.com/">, </a><a href="http://mbsb2u.blogspot.com/" rel="tag">LTV ratio</a><a href="http://mbsb2u.blogspot.com/">, </a><a href="http://mbsb2u.blogspot.com/" rel="tag">LTV Ratio 70%</a><a href="http://mbsb2u.blogspot.com/">, </a><a href="http://mbsb2u.blogspot.com/" rel="tag">malaysia home loan</a><a href="http://mbsb2u.blogspot.com/">, </a><a href="http://mbsb2u.blogspot.com/" rel="tag">malaysia housing loan</a><a href="http://mbsb2u.blogspot.com/">, </a><a href="http://mbsb2u.blogspot.com/" rel="tag">Tags: 3rd home</a><a href="http://mbsb2u.blogspot.com/">, </a><a href="http://mbsb2u.blogspot.com/" rel="tag">third home</a><a href="http://mbsb2u.blogspot.com/">, </a><a href="http://mbsb2u.blogspot.com/" rel="tag">third home financing</a><a href="http://mbsb2u.blogspot.com/">, </a><a href="http://mbsb2u.blogspot.com/" rel="tag">third home loan</a><a href="http://mbsb2u.blogspot.com/">, </a><a href="http://mbsb2u.blogspot.com/" rel="tag">third house</a><a href="http://mbsb2u.blogspot.com/">, </a><a href="http://mbsb2u.blogspot.com/" rel="tag">third house financing</a><a href="http://mbsb2u.blogspot.com/">, </a><a href="http://mbsb2u.blogspot.com/" rel="tag">third housing loan</a></p></h2>bandit art networkhttp://www.blogger.com/profile/05199014042336815557noreply@blogger.com0tag:blogger.com,1999:blog-7204914375246600693.post-29674561653347996682010-11-15T22:40:00.000-08:002010-11-15T22:42:39.144-08:00standard chartered islamic banking<div id="mainbanner"> <link rel="StyleSheet" href="http://www.standardchartered.com.my/_css/en/login_box.css" type="text/css" media="screen"> <script type="text/javascript" src="http://www.standardchartered.com.my/_js/en/login_box.js"></script><a href="http://mbsb2u.blogspot.com/"><img style="width: 415px; height: 121px;" src="http://www.standardchartered.com.my/islamic-banking/en/_images/banner.jpg" /></a></div> <div id="content"> <div id="subgerymenu"> <script language="JavaScript" type="text/javascript" src="http://www.standardchartered.com.my/_js/en/breadcrumb.js"></script>
<br /> </div> <h1>Standard Chartered Saadiq Berhad
<br /> <span style="font-size:100%;">Our new Islamic Bank </span></h1> <p><a href="http://mbsb2u.blogspot.com/"><img style="width: 404px; height: 219px;" src="http://www.standardchartered.com.my/islamic-banking/en/_images/img-03.gif" /></a></p> <p>Everyone has a vision of the future, one marked by progress and innovation. But every dream can only soar if it’s built upon the values you cherish the most. To help realise your dreams, Standard Chartered Group is proud to launch a new chapter in our bank’s history – Standard Chartered Saadiq Berhad, our new Islamic Bank, on 12 November 2008. </p> <p>Islamic banking is a rapidly growing phenomenon in the global financial markets as it answers the call of discerning Muslims who seek a banking system that conforms to their religious tenets. Because of this, a number of banks worldwide offer products and services that are Syariah (Islamic Law) compliant. At Standard Chartered Saadiq Berhad ("Saadiq" which means "truthful"), a team of qualified professionals design and structure our Standard Chartered Saadiq products and services to ensure that they are in line with Syariah principles governing Islamic banking and finance. In addition, to ensure conformity of all products with the tenets of Syariah the Bank has an independent Syariah Supervisory Committee comprising a team of professional managers who are guided by respected Syariah scholars both locally and abroad. </p> <p>Standard Chartered was the first international bank in Malaysia to offer Islamic banking products in 1992. With a footprint in over 70 countries, we are committed to bringing you world-class Islamic solutions for all your financial needs. </p> <p>Do visit our first state-of-the-art Standard Chartered Saadiq Financial Centre, equipped with revolutionary iTable and eKiosk facilities that provide easy access to your wealth, and an eco friendly interior design that promises a relaxing banking experience. Our financial centre is located at Taman Tun Dr. Ismail.</p> <p>50, 52, 54 Jalan Burhanuddin Helmi,
<br /> Taman Tun Dr. Ismail
<br /> 60000 Kuala Lumpur.
<br /> </p> <p>Standard Chartered Saadiq Berhad offers a wide range of tailor-made Syariah compliant products, available to all our individual customers regardless of their religion and race:</p> <div id="subtable"> <table> <tbody><tr> <td class="ltgrnleft"> <h5>Personal Banking </h5> <ul><li><a href="http://mbsb2u.blogspot.com/">Saadiq$aver-i</a><a href="http://mbsb2u.blogspot.com/"> <img src="http://www.standardchartered.com.my/islamic-banking/en/_images/img-04.gif" width="35" height="19" /></a> </li><li><a href="http://mbsb2u.blogspot.com/">Savings Account-i</a> </li><li><a href="http://mbsb2u.blogspot.com/">Saadiq Account-i</a></li><li><a href="http://mbsb2u.blogspot.com/">General Investment Account-i</a></li><li><a href="http://mbsb2u.blogspot.com/">Investment Services-i</a></li><li><a href="http://mbsb2u.blogspot.com/">Personal Financing-i</a></li><li><a href="http://mbsb2u.blogspot.com/">JustHome-i</a></li></ul> </td> </tr> <tr> <td class="dkgrnright"> <h5>SME Banking </h5> <ul><li><a href="http://mbsb2u.blogspot.com/">BusinessOne-i Account</a></li><li><a href="http://mbsb2u.blogspot.com/">Saadiq Business$aver-i </a></li><li><a href="http://mbsb2u.blogspot.com/">BizProperty-i </a></li><li><a href="http://mbsb2u.blogspot.com/">BizFinancing-i </a></li></ul> </td> </tr> <tr> <td class="ltgrnleft"> <h5>Wholesale Banking </h5> <ul><li><a href="http://mbsb2u.blogspot.com/">Deposit and Cash Products </a></li><li><a href="http://mbsb2u.blogspot.com/">Financing Products </a></li><li><a href="http://mbsb2u.blogspot.com/">Treasury Products </a></li><li><a href="http://mbsb2u.blogspot.com/">Islamic Trade Finance </a></li></ul> </td> </tr> </tbody></table> </div> <p>For more information, call <strong>03-7711 8888</strong> and we will be happy to show you how it can work for you. Or you could click on the links below. </p> <ul><li class="bluetxt"><a href="http://mbsb2u.blogspot.com/">Syariah Consultants </a></li><li class="bluetxt"><a href="http://mbsb2u.blogspot.com/">Islamic Concepts </a></li><li class="bluetxt"><a href="http://mbsb2u.blogspot.com/">Islamic Guidelines </a></li><li class="bluetxt"><a href="http://mbsb2u.blogspot.com/">Media Relations & Communications </a></li><li class="bluetxt"><a href="http://mbsb2u.blogspot.com/">Banking Services </a></li></ul> </div>bandit art networkhttp://www.blogger.com/profile/05199014042336815557noreply@blogger.com0tag:blogger.com,1999:blog-7204914375246600693.post-88885455780223624732010-11-15T22:36:00.000-08:002010-11-15T22:39:10.740-08:00standardchartered.com.my<p><img style="width: 419px; height: 44px;" src="http://www.standardchartered.com.my/personal-banking/loans/personal-loans/cashone/en/_images/applynow.gif" /></p> <h1>CashOne - Malaysia's first personal loan that works together with a Platinum Credit Card</h1> <p>Finally, a personal loan that offers you financial flexibility, whenever you need it. Every time you make your monthly loan repayment, the paid principal amount will automatically be converted into a credit card limit for you to spend.</p> <p>What's more, you'll enjoy up to RM350* CashBack every year just for making timely loan repayments.<br /> <br /> <a href="http://www.standardchartered.com.my/personal-banking/loans/personal-loans/cashone/en/contact.html"><img src="http://www.standardchartered.com.my/personal-banking/loans/personal-loans/cashone/en/_images/applynow-button.jpg" width="208" height="33" /><br /> <br /> </a><img style="width: 466px; height: 97px;" src="http://www.standardchartered.com.my/personal-banking/loans/personal-loans/cashone/en/_images/cashone-points.gif" /></p> <h2>Share your loan amount with your credit card limit </h2> <p>With CashOne, your monthly loan repayment will automatically be converted into credit card limit. You also have the freedom to top-up your loan anytime by converting your available credit card limit back to your loan.</p> <h2>How does it work? </h2> <p>Let's say Mr. Chan takes up a personal loan of RM25,000 with CashOne and 6 months later, he has paid RM15,000 worth of loan repayments. The paid amount will automatically be converted into credit card limit, this means that Mr. Chan now has a credit limit of RM15,000 on his Standard Chartered Platinum Credit Card and RM10,000 outstanding loan amount.</p> <p>In the following week, Mr. Chan decides to top-up his loan by RM10,000 to pay for his home renovation. His Credit Card limit will then be automatically set to RM5,000, leaving Mr. Chan with a new loan balance of RM20,000.</p> <p><img src="http://www.standardchartered.com.my/personal-banking/loans/personal-loans/cashone/en/_images/graph.gif" width="484" height="316" /></p> <h2>CashBack for timely loan repayments </h2> <p>Be rewarded with up to RM350* CashBack annually throughout your loan tenor just by making timely loan repayments.<br /> <br /> <em>*CashBack is payable on a yearly basis and the amount awarded is based on the loan amount.</em></p> <h2>Low interest rates </h2> <p>Enjoy attractive and affordable interest rates from as low as 0.63% p.m. depending on your loan amount and tenor. With a monthly loan repayment amount starting from RM304.20 per month<sup>#</sup>.<br /> <br /> <em><sup>#</sup>Based on loan amount of RM10,000 for a 5-year tenor.</em></p> <h2>Annual Fee waiver on your Standard Chartered Platinum Credit Card</h2> <p>Get 5 years annual fee waiver on your Standard Chartered Platinum Credit Card. Now you can enjoy an abundance of shopping and dining rewards plus exclusive Platinum privileges.</p> <h2>Top-up your loan without the hassle of re-applying </h2> <p>Now you can get extra cash deposited into your account without the hassle of re-applying when you need it. All it takes is just a phone call. You'll also get your cash within 48 hours.<br /> <br /> <a href="http://www.standardchartered.com.my/personal-banking/loans/personal-loans/cashone/en/contact.html"><img src="http://www.standardchartered.com.my/personal-banking/loans/personal-loans/cashone/en/_images/applynow-button.jpg" width="208" height="33" /></a> </p> <!--<div id="dotline"></div> <h2> What You Can Do Next... </h2> <div id="subtable"> <table width="542"> <tr> <td width="65" align="center" class="ltgrnleft">?<img src="_images/img-01.jpg" /></td> <td width="465" class="ltgrnleft">Check out our monthly repayment schedule <a href="/personal-banking/loans/personal-loans/quick-cash-edge/loans-repayment-schedule/en/">here</a>.</td> </tr> </table> </div>--> <span class="txt10">RM188 Welcome Bonus is valid until 30 November 2010.</span><br /> <span class="txt10">Terms and conditions apply. For full product terms and conditions, <a href="http://www.standardchartered.com.my/personal-banking/loans/personal-loans/cashone/terms-and-conditions/en/index.html">click here</a>.</span><br /> <br /> <h2>For more information about Standard Chartered's loan products:<br /> </h2> <table width="542"><tbody><tr> <td class="ltgrnleft" align="center" width="66"><img src="http://www.standardchartered.com.my/personal-banking/loans/personal-loans/cashone/en/_images/img-02.jpg" width="23" height="19" /></td> <td class="ltgrnleft" width="464">Call us direct at <strong>1300 880 388</strong></td> </tr> <tr> <td class="dkgrnright" align="center"><img src="http://www.standardchartered.com.my/personal-banking/loans/personal-loans/cashone/en/_images/img-05.gif" width="22" height="22" /></td> <td class="dkgrnright" valign="middle"> Provide your <a href="http://www.standardchartered.com.my/personal-banking/loans/personal-loans/cashone/en/contact-us.html">details</a> and we will get in touch with you</td> </tr> <tr> <td class="ltgrnleft" align="center"><img src="http://www.standardchartered.com.my/personal-banking/loans/personal-loans/cashone/en/_images/img-04.jpg" width="25" height="26" /></td> <td class="ltgrnleft">Locate a <a href="http://www.standardchartered.com.my/home/branch_content.html" target="_blank">branch</a> near you</td></tr></tbody></table>bandit art networkhttp://www.blogger.com/profile/05199014042336815557noreply@blogger.com0tag:blogger.com,1999:blog-7204914375246600693.post-77909401646646816692010-11-14T20:12:00.000-08:002010-11-14T20:17:39.552-08:00pinjaman peribadi mbsb<div><div style="overflow: hidden; text-decoration: none; border: medium none;color:transparent;"><h3><span style="font-weight: bold;">PINJAMAN PERIBADI MALAYSIA BUILDING SOCIETY BHD (MBSB)</span><br /></h3><div style="color: rgb(0, 0, 0);" align="justify">Menawarkan Pembiayaan Peribadi Sehingga RM 200,00.00, tanpa penjamin dan Pelan Eksklusif ini adalah khas untuk kakitangan kerajaan, badan berkanun, polis DiRaja Malaysia serta Syarikat berkaitan Kerajaan (GLC).</div><div align="justify"> </div><div style="font-weight: bolder; text-decoration: blink;font-size:16px;" align="justify"><span style="color: rgb(255, 0, 0);"><strong><br /><span style="font-size:180%;">TERKINI.. </span></strong></span><span style="font-size:180%;"><br /><br /><span style="color: rgb(0, 0, 0);">for more info</span><br /><span style="color: rgb(0, 0, 0);">ody</span><br /><span style="color: rgb(0, 0, 0);">019-2452462</span></span><br /></div><div style="text-align: center; color: rgb(0, 0, 0);"><br /></div><div style="color: rgb(0, 0, 0);" align="justify"><br />Mulai Oktober 2010 hingga MAC 2011, kadar baru bagi pembiayaan peribadi MBSB,</div><div align="justify"> </div><div style="font-weight: bolder;font-size:16px;" align="center"><span style="font-weight: bold; color: rgb(153, 0, 0);">4.90% Dari 2 Tahun hingga 15 Tahun</span><br /></div><div style="font-size: 16px; font-weight: bolder; color: rgb(0, 0, 0);" align="center">5.50% Dari 16 Tahun hingga 20 Tahun<br /></div><div style="color: rgb(0, 0, 0);" align="justify"> </div><div style="color: rgb(0, 0, 0);" align="justify">Apply to all govt, badan berkanun, police, lhdn, and others with angkasa deduction(some subject to MBSB discretion).</div><blockquote style="color: rgb(0, 0, 0);"><div class="widget-content"><li>Minimum Salary RM700.00</li><li>Promotion for 6 months only </li><li>Rate for GLC company is 6% or 15years. </li></div></blockquote><p> </p><p><a href="http://www.uruspinjaman.my/images/jadualmbsb.jpg" target="_blank"><strong>Klik Disini Untuk Jadual Bayaran Balik Pembiayaan MBSB</strong></a><strong><br /></strong></p><p> </p><p><span style="font-weight: bold; color: rgb(0, 0, 153);font-family:arial;font-size:130%;" >Kelebihan Pembiyaan PERIBADI-i</span><span style="color: rgb(0, 0, 153);font-family:arial;font-size:130%;" >:</span></p> <ol style="color: rgb(0, 0, 0);"><li>Pembiayaan sehingga RM200,000</li><li>Kadar pinjaman serendah <span style="font-weight: bold;">4.90%</span></li><li>Payout <span style="font-weight: bold;">93% </span>hingga <span style="font-weight: bold;">95%</span> </li><li>Tempoh pinjaman sehingga 20 tahun </li><li>Proses pemohonan mudah dan cepat</li><li>Tanpa penjamin. <span style="font-weight: bold;">CTOS/CCRIS boleh memohon</span></li><li>Perlindungan Insuran Takaful</li><li>Potongan gaji melalui Biro Perkhidmatan Angkasa (BPA)</li><li>Pembiayaan sehingga 60%</li><li>Terbuka kepada pemohon di <span style="font-weight: bold;">Semenanjung Malaysia, Sabah dan Sarawak </span></li><li>Boleh membuat <span style="font-weight: bold;">overlapping</span> (tutup loan lama)</li></ol> <p><span style="color: rgb(0, 0, 153); font-weight: bold;font-family:arial;" ><br /><span style="font-size:130%;">Syarat - Syarat</span></span></p> <ol style="color: rgb(0, 0, 0);"><li>Kakitangan Kerajaan Dan Badan Berkanun sahaja</li><li>Berumur 19 tahun ke atas dan tidak melebihi 57 tahun semasa tamat pembiayaan</li><li>Berjawatan tetap dan gaji pokok RM 700 ke atas termasuk elaun tetap</li><li>Blacklist CTOS bawah 30,000 masih layak memohon</li><li>Pembiayaan maksima RM200,000 dan berdasarkan kepada 60% kelayakan potongan gaji.</li></ol> <p><span style="font-weight: bold; color: rgb(0, 0, 153);font-family:arial;" ><br /><span style="font-size:130%;">Kadar dan Payout</span><br /></span></p> <ol style="color: rgb(0, 0, 0);"><li>Payout yang tinggi iaitu <span style="font-weight: bold;"> - 93% hingga 95%</span></li><li>Kadar Faedah yang rendah: <span style="font-weight: bold;">4.90%</span> (2 hingga 15 Tahun) dan <span style="font-weight: bold;">5.50%</span> (16thn hingga 20thn)</li></ol> <p><span style="font-weight: bold; color: rgb(0, 0, 153);"><span style="font-family:arial;"><br /><span style="font-size:130%;">Caj Pengeluaran Pembiayaan</span><br /></span></span></p> <ol style="color: rgb(0, 0, 0);"><li><span style=";font-family:arial;" >Yuran Proses (3% dari Jumlah Pinjaman) </span></li><li style="font-family: arial;">Duti Setem RM50</li><li style="font-family: arial;">Insuran perlindungan Takaful (mengikut umur dan jumlah pinjaman)</li><li style="font-family: arial;">1 Bulan sekuriti deposit (dikembalikan setelah pinjaman selesai)</li><li style="font-family: arial;">Bayaran kepada Jabatan insolvensi – carian bankrupt (RM12)</li><li style="font-family: arial;">Amanah Raya Berhad (RM350)</li></ol><br /><span style="font-weight: bold; color: rgb(0, 0, 153);"><span style="font-family:arial;"><span style="font-size:130%;">Dokumen Diperlukan<br /></span></span></span><ol style="color: rgb(0, 0, 0);"><li class="MsoNormal" style="line-height: normal; font-family: arial;"><span>2 salinan kad pengenalan, (Disahkan Majikan)</span></li><li class="MsoNormal" style="line-height: normal; font-family: arial;"><span>2 salinan kad kuasa polis (kakitangan PDRM)<br /></span></li><li class="MsoNormal" style="line-height: normal; font-family: arial;"><span>1 bulan <strong>slip gaji asal</strong> <strong>terkini </strong> beserta 2 salinan (Salinan perlu pengesahan majikan)</span></li><li class="MsoNormal" style="line-height: normal; font-family: arial;"><span>2 salinan slip gaji 2 bulan terkini selain slip gaji di atas (dokumen perlu pengesahan majikan) </span></li><li class="MsoNormal" style="line-height: normal; font-family: arial;"><span>Bil utiliti seperti bil air, bil telefon, bil elektrik dll</span></li><li class="MsoNormal" style="line-height: normal; font-family: arial;"><span>2 Salinan depan buku akaun bank </span></li><li class="MsoNormal" style="line-height: normal; font-family: arial;"><span>Penyata Penyelesaian awal “<em>Redemption Statement” jika perlu</em></span></li><li class="MsoNormal" style="line-height: normal;"><span><span style="font-family:arial;">Surat option pencen 58 tahun, </span><span style="font-style: italic;font-family:arial;" >(dokumen perlu pengesahan majikan) jika perlu</span></span></li></ol><br /><span style="color: rgb(255, 0, 0);"><strong><span style="font-size:180%;">TERKINI.. </span></strong></span><span style="font-size:180%;"><br /> <br /><span style="font-weight: bold; color: rgb(0, 0, 0);"> for more info</span><br /><span style="font-weight: bold; color: rgb(0, 0, 0);"> ody</span><br /><span style="font-weight: bold; color: rgb(0, 0, 0);"> 019-2452462</span></span><br /><span><br /><br /><br /></span></div></div>bandit art networkhttp://www.blogger.com/profile/05199014042336815557noreply@blogger.com0tag:blogger.com,1999:blog-7204914375246600693.post-88783267024056668452010-11-14T19:15:00.000-08:002010-11-14T19:26:48.870-08:00pinjaman peribadi mbsb<h3 style="text-align: center;" class="post-title entry-title"> <a href="http://pinjamankerajaanmbsb.blogspot.com/2010/08/pinjaman-koperasi-bagi-pekerja-kerajaan.html">Pinjaman koperasi bagi pekerja kerajaan</a> </h3><div style="text-align: center;"> </div><div style="text-align: center;" class="post-header"> </div><div style="text-align: center;"><div style="text-align: center;"> <a href="http://lh3.ggpht.com/_MX1KzHFfZK0/TL_8m_jcezI/AAAAAAAAACI/QFkqTBpUBWY/s1600-h/MBSBVaganza-cover-15Sept2010%5B19%5D.jpg" target="_blank"><img style="background-image: none; border-width: 0px; padding-left: 0px; padding-right: 0px; display: block; float: none; padding-top: 0px; width: 525px; height: 709px;" title="MBSBVaganza-cover-15Sept2010" alt="MBSBVaganza-cover-15Sept2010" src="http://lh3.ggpht.com/_MX1KzHFfZK0/TL_8n90A8XI/AAAAAAAAACM/4F9FaTCj6OI/MBSBVaganza-cover-15Sept2010_thumb%5B17%5D.jpg?imgmax=800" border="0" /></a></div> </div><div style="text-align: center;"><span style="font-family:Candara;">(Promosi <b>PINJAM DAN MENANG</b> Dari Oktober 2010 - Mac 2011)</span></div><div> </div> <div> </div><b><span style="font-family:Candara;">PINJAMAN MBSB untuk semua Pekerja Tetap Kerajaan sahaja… </span></b><div style="text-align: center;"> </div><span style="font-family:Candara;">(MBSB adalah anak syarikat milik penuh KWSP - Kumpulan Wang Simpanan Nasional)</span><div style="text-align: center;"> </div><p style="text-align: center;"><span style="font-family:Candara;">Perkhidmatan kami meliputi seluruh Malaysia. (Semenanjung , Sabah dan Sarawak). Pinjaman koperasi ini KHAS kepada Badan Berkanun, Kakitangan Kerajaan dan Kerajaan Tempatan yang berkhidmat lebih dari satu bulan. </span></p><div style="text-align: center;"> </div><ul style="text-align: center;"><li><span style="font-family:Candara;"><strong>Pembiayaan sehingga <span>RM200,000</span></strong><br /></span> </li><li><span style="font-family:Candara;"><strong><span>4.99%</span> kadar tetap</strong> </span> </li><li><span style="font-family:Candara;"><strong>Tempoh pembiayaan sehingga 20 tahun</strong> </span> </li><li><span style="font-family:Candara;"><strong>Berumur 19 tahun ke atas dan tidak melebihi 58 tahun semasa tamat pembiayaan</strong> </span> </li><li><span style="font-family:Candara;"><strong>Berjawatan tetap dan gaji pokok RM700 ke atas termasuk elaun tetap</strong> </span> </li><li><span style="font-family:Candara;"><strong>Bayaran balik pembiayaan WAJIB melalui BIRO ANGKASA</strong> </span> </li><li><span style="font-family:Candara;"><strong>Potongan melebihi 60% layak memohon (OVERLAP)</strong> </span> </li><li><span style="font-family:Candara;"><strong>Proses permohonan yang mudah dan cepat</strong> </span> </li><li><span style="font-family:Candara;"><strong>Uanpa penjamin. CTOS/CCRISS boleh memohon</strong> </span> </li><li><span style="font-family:Candara;"><strong>Perlindungan insuran Takaful</strong> </span> </li><li><strong><span style="font-family:Candara;">Bonus RM500 Tunai jika Proses Permohonan Melebihi 7 Hari Berkerja.</span></strong></li></ul><div style="text-align: center;"> </div><b><span style="font-family:Candara;"><span class="Apple-style-span">Promosi Pinjam dan Menang</span> <span class="Apple-style-span">(Menangi pelbagai hadiah), Daftar sekarang, sebelum terlambat.</span></span></b><div style="text-align: center;"> </div><p style="text-align: center;"><a href="http://pinjamankerajaanmbsb.blogspot.com/2010/08/sila-semak-kelayakan.html"><br /></a> </p><div style="text-align: center;"> </div><p style="text-align: center;"><strong>Sebarang Pertanyaan sila email kan ke:</strong> <a href="mailto:chaos_mbsb@yahoo.com"><strong>helfiastri@mbsb.com.my</strong></a></p><div style="text-align: center;"> </div><table style="text-align: left; margin-left: auto; margin-right: auto;" border="1" cellpadding="2" cellspacing="0" width="474"> <tbody> <tr> <td valign="top" width="472"> <p align="left"><strong><span><b><span style="color: rgb(0, 64, 64);font-family:Arial Narrow;font-size:130%;" >Untuk menpercepatkan Semakan Kelayakan:<br /></span></b></span></strong><strong><br /><span style="color: rgb(0, 64, 64);font-family:Arial Narrow;font-size:130%;" >SILA HUBUNGI <strong><span>ODY : 019-2452462</span></strong></span></strong></p> <p align="left"><strong><span style="color: rgb(0, 64, 64);font-family:Arial Narrow;font-size:130%;" ><strong><span></span></strong></span></strong><strong><span style="color: rgb(0, 64, 64);font-family:Arial Narrow;font-size:130%;" >dengan menghantar SMS bersertakan maklumat berikut:</span></strong></p><strong> </strong><ul><strong> </strong><li><strong> </strong><div align="left"><strong><span style="color: rgb(0, 64, 64);font-family:Arial Narrow;font-size:130%;" >Nama </span></strong></div><strong> </strong></li><li><strong> </strong><div align="left"><strong><span style="color: rgb(0, 64, 64);font-family:Arial Narrow;font-size:130%;" >Majikan </span></strong></div><strong> </strong></li><li><strong> </strong><div align="left"><strong><span style="color: rgb(0, 64, 64);font-family:Arial Narrow;font-size:130%;" >No IC baru & No IC lama (Jika Ada) </span></strong></div><strong> </strong></li><li><strong> </strong><div align="left"><strong><span style="color: rgb(0, 64, 64);font-family:Arial Narrow;font-size:130%;" >Gaji pokok & elaun tetap </span></strong></div><strong> </strong></li><li><strong> </strong><div align="left"><strong><span style="color: rgb(0, 64, 64);font-family:Arial Narrow;font-size:130%;" >Jumlah potongan</span></strong></div></li></ul><strong> </strong><p align="left"><strong><span style="color: rgb(0, 64, 64);font-family:Arial Narrow;" ></span><span><b><span style="font-size:130%;"><span style="color: rgb(0, 64, 64);font-family:Arial Narrow;" ><span style="font-size:180%;"><br /></span></span></span></b></span></strong></p></td></tr></tbody></table><div style="text-align: center;"> </div><p style="text-align: center;"> </p><div style="text-align: center;"> </div><p style="text-align: center;">Promosi terbaru. Pohon sekarang untuk peluang mendapatkan kereta BMW 3 Series. 4.99% Kadar Tetap. Pembiayaan sehingga RM200,000. Tempoh pembiayaan hingga 20 tahun. Sila rujuk jadual di bawah.</p><div style="text-align: center;"> </div><p style="text-align: center;"><a href="http://lh4.ggpht.com/_MX1KzHFfZK0/TL_8poeCfSI/AAAAAAAAACQ/4METFwr4TGY/s1600-h/MBSBVaganza-back-15Sept2010%5B7%5D.jpg" target="_blank"><img style="background-image: none; border-width: 0px; padding-left: 0px; padding-right: 0px; display: inline; padding-top: 0px; width: 470px; height: 631px;" title="MBSBVaganza-back-15Sept2010" alt="MBSBVaganza-back-15Sept2010" src="http://lh4.ggpht.com/_MX1KzHFfZK0/TL_8rcaj1fI/AAAAAAAAACU/KcJlFcQvfrc/MBSBVaganza-back-15Sept2010_thumb%5B5%5D.jpg?imgmax=800" border="0" /></a></p>bandit art networkhttp://www.blogger.com/profile/05199014042336815557noreply@blogger.com0tag:blogger.com,1999:blog-7204914375246600693.post-58424177055273196632010-10-04T06:52:00.002-07:002010-10-04T07:06:01.559-07:00penjaman peribadi mbsb<h3 class="post-title entry-title"> <a href="http://mbsbpersonalloan.blogspot.com/2010/02/kelebihan-pembiayaan-peribadi-i-mbsb.html">KELEBIHAN PEMBIAYAAN PINJAMAN PERIBADI-i MBSB</a> </h3> <div class="post-footer"> <div class="post-footer-line post-footer-line-1"> <span class="post-author vcard"> Posted by <span class="fn">FINANCIAL CONSULTANT</span> </span> <span class="post-timestamp">on Saturday, February 27, 2010</span> </div> <div class="post-footer-line post-footer-line-2"> <span class="post-labels"> </span> <span class="post-comment-link"> / </span> </div></div> <div class="post-body entry-content"> <span style="font-family: "Trebuchet MS",sans-serif;">1) Pembiayaan sehingga RM200,000 </span><br /><span style="font-family: "Trebuchet MS",sans-serif;">2) Kadar pinjaman serendah 4.99% Promosi Raya (2-20 tahun) bermula 16 Jun 2010</span><br /><span style="font-family: "Trebuchet MS",sans-serif;">3) Payout hingga 95% </span><br /><span style="font-family: "Trebuchet MS",sans-serif;">4) Tempoh pinjaman sehingga 20 tahun </span><br /><span style="font-family: "Trebuchet MS",sans-serif;">5) Proses pemohonan yang mudah </span><br /><span style="font-family: "Trebuchet MS",sans-serif;">6) Tanpa penjamin. </span><br /><span style="font-family: "Trebuchet MS",sans-serif;">7) CTOS/CCRIS boleh memohon**</span><br /><span style="font-family: "Trebuchet MS",sans-serif;">8) Perlindungan Insuran Takaful</span><br /><span style="font-family: "Trebuchet MS",sans-serif;">9) Potongan gaji melalui Biro Perkhidmatan Angkasa (BPA)</span><br /><span style="font-family: "Trebuchet MS",sans-serif;">10) Pembiayaan sehingga 60%</span><br /><span style="font-family: "Trebuchet MS",sans-serif;">11) Terbuka kepada pemohon di Semenanjung Malaysia, Sabah dan Sarawak </span><br /><span style="font-family: "Trebuchet MS",sans-serif;">12) Boleh membuat overlapping ( Boleh Overlapping Pinjaman Koperasi & Bank Yang Sedia Ada)</span><br /><br /><span style="font-family: "Trebuchet MS",sans-serif;"> </span><span style="font-family: "Trebuchet MS",sans-serif;">** Tertakluk kepada terma dan syarat<br /><br /><span style="font-size:180%;">untuk maklumat lanjut sila hubungi<br />ody<br />019-2452462</span><br /></span> </div> <div class="post-footer"> <div class="post-footer-line post-footer-line-1"> <span class="reaction-buttons"> </span> <span class="star-ratings"> </span> <span class="post-backlinks post-comment-link"> </span> <span class="post-icons"> <span class="item-control blog-admin pid-1351888531"> <a href="post-edit.g?blogID=3237512786189246758&postID=193272875227332479" title="Edit Post"> <img alt="" class="icon-action" src="http://img2.blogblog.com/img/icon18_edit_allbkg.gif" width="18" height="18" /> </a> </span> </span> </div> <div class="post-footer-line post-footer-line-3"> <span class="post-location"> </span> </div> </div> <div class="post hentry uncustomized-post-template"> <a name="5926127937422659159"></a> <h3 class="post-title entry-title"> <a href="http://mbsbpersonalloan.blogspot.com/2010/02/keistimewaan-pinjaman-peribadi-mbsb.html">KEISTIMEWAAN PEMBIAYAAN PINJAMAN PERIBADI-i MBSB MELALUI KAMI</a> </h3> <div class="post-footer"> <div class="post-footer-line post-footer-line-1"> <span class="post-author vcard"> Posted by <span class="fn">FINANCIAL CONSULTANT</span> </span> <span class="post-timestamp"></span> </div> <div class="post-footer-line post-footer-line-2"> <span class="post-labels"> </span> <span class="post-comment-link"> / </span> </div></div> <div class="post-body entry-content"> <div style="text-align: justify;"><span style="font-family: "Trebuchet MS",sans-serif;">1) Merupakan wakil MBSB yang menguruskan pinjaman bagi pihak anda dari mula hingga menerima wang masuk ke akaun</span></div><div style="text-align: justify;"><span style="font-family: "Trebuchet MS",sans-serif;">2) Tidak perlu bergegas ke sana ke mari, kami yang akan uruskan semuanya.</span></div><div style="text-align: justify;"><span style="font-family: "Trebuchet MS",sans-serif;">3) Tidak mengenakan sebarang caj tambahan kepada anda.</span></div><div style="text-align: justify;"><span style="font-family: "Trebuchet MS",sans-serif;">4) Anda senang untuk menyemak kelayakan pinjaman iaitu secara ONLINE, SMS, CHATTING ataupun PANGGILAN TELEFON.</span></div><div style="text-align: justify;"><span style="font-family: "Trebuchet MS",sans-serif;">5) Keputusan semak kelayakan pinjaman akan diketahui dengan kadar segera.</span></div><div style="text-align: justify;"><span style="font-family: "Trebuchet MS",sans-serif;">6) Keputusan dan penerangan terperinci akan di'email' kepada anda </span></div><div style="text-align: justify;"><span style="font-family: "Trebuchet MS",sans-serif;">7) Kami akan menghubungi anda samada melalui panggilan telefon, sms ataupun email.</span></div><div style="text-align: justify;"><span style="font-family: "Trebuchet MS",sans-serif;">8) Borang permohonan akan terus sampai ke tempat anda<br /><br /></span><span style="font-family: "Trebuchet MS",sans-serif;"><span style="font-size:180%;">untuk maklumat lanjut sila hubungi<br />ody<br />019-2452462<br /><br /></span></span></div> </div> <div class="post-footer"> <div class="post-footer-line post-footer-line-1"> <span class="reaction-buttons"> </span> <span class="star-ratings"> </span> <span class="post-backlinks post-comment-link"> </span> <span class="post-icons"> <span class="item-control blog-admin pid-1351888531"> <a href="post-edit.g?blogID=3237512786189246758&postID=5926127937422659159" title="Edit Post"> <img alt="" class="icon-action" src="http://img2.blogblog.com/img/icon18_edit_allbkg.gif" width="18" height="18" /> </a> </span> </span> </div> <div class="post-footer-line post-footer-line-3"> <span class="post-location"> </span> </div> </div> </div> <div class="post hentry uncustomized-post-template"> <a name="1308608031914689445"></a> <h3 class="post-title entry-title"> <a href="http://mbsbpersonalloan.blogspot.com/2010/02/kadar-faedah-dan-payout.html">KADAR FAEDAH DAN PAYOUT</a> </h3> <div class="post-footer"> <div class="post-footer-line post-footer-line-1"> <span class="post-author vcard"> Posted by <span class="fn">FINANCIAL CONSULTANT</span> </span> <span class="post-timestamp"></span> </div> <div class="post-footer-line post-footer-line-2"> <span class="post-labels"> </span> <span class="post-comment-link"> / </span> </div></div> <div class="post-body entry-content"> <div style="text-align: justify;"><span style="font-family: "Trebuchet MS",sans-serif;">1) Payout yang tinggi hingga 95%</span><br /><span style="font-family: "Trebuchet MS",sans-serif;">2) Kadar Faedah yang rendah: 4.99% (Promosi Raya 2-20 thn)</span></div> </div> <div class="post-footer"> <div class="post-footer-line post-footer-line-1"> <span class="reaction-buttons"> </span> <span class="star-ratings"> </span> <span class="post-backlinks post-comment-link"> </span> <span class="post-icons"> <span class="item-control blog-admin pid-1351888531"> <a href="post-edit.g?blogID=3237512786189246758&postID=1308608031914689445" title="Edit Post"> <img alt="" class="icon-action" src="http://img2.blogblog.com/img/icon18_edit_allbkg.gif" width="18" height="18" /> </a> </span> </span> </div> <div class="post-footer-line post-footer-line-3"> <span class="post-location"> </span> </div> </div> </div> <div class="post hentry uncustomized-post-template"> <a name="6563904017564712029"></a> <h3 class="post-title entry-title"> <a href="http://mbsbpersonalloan.blogspot.com/2010/02/overlap-pembiayaan.html">OVERLAP PEMBIAYAAN PINJAMAN</a> </h3> <div class="post-footer"> <div class="post-footer-line post-footer-line-1"> <span class="post-author vcard"> Posted by <span class="fn">FINANCIAL CONSULTANT</span> </span> <span class="post-timestamp"></span> </div> <div class="post-footer-line post-footer-line-2"> <span class="post-labels"> </span> <span class="post-comment-link"> / </span> </div></div> <div class="post-body entry-content"> <div style="text-align: justify;"><span style="font-family: "Trebuchet MS",sans-serif;">Penawaran amaun pinjaman maksima dengan kadar keuntungan yang rendah akan melayakan pemohon membuat pinjaman dalam amaun yang tinggi dan sehingga boleh melebihi baki pinjaman lama yang dibuat oleh pemohon. Oleh itu sekiranya pemohon ingin menyelesaikan pinjaman sedia ada ini, kami bersedia melakukannya dan ini akan mendatangkan kebaikan kepada kepada pemohon pinjaman.</span></div><div style="text-align: justify;"><br /></div><div style="text-align: justify;"><span style="font-family: "Trebuchet MS",sans-serif;">Kelebihan penyelesaian awal pinjaman terdahulu.</span></div><div style="text-align: justify;"><br /></div><div style="text-align: justify;"><span style="font-family: "Trebuchet MS",sans-serif;">1. Meninggikan lagi had kelayakan pinjaman pemohon.</span></div><div style="text-align: justify;"><span style="font-family: "Trebuchet MS",sans-serif;">2. Mendapat rebate pembayaran awal dari pinjaman lama.</span></div><div style="text-align: justify;"><span style="font-family: "Trebuchet MS",sans-serif;">3. Membaiki slip gaji pemohon kerana potongan bulanan menjadi lebih rendah.</span></div><div style="text-align: justify;"><span style="font-family: "Trebuchet MS",sans-serif;">4. Mendapat tunai sambil menyelesaikan pinjaman lama dan pinjaman hanya di satu tempat sahaja.</span></div><div style="text-align: justify;"><br /></div><div style="text-align: justify;"><span style="font-family: "Trebuchet MS",sans-serif;">Sekiranya potongan gaji dislip gaji telah mencapai atau melebihi had 60% pemotongan, penyelesaian awal boleh membantu anda mendapat had kelayakan pinjaman mengikut potongan gaji bulanan yang dibuat ke atas pinjaman yang ingin diselesaikan awal.</span></div><div style="text-align: justify;"><br /></div><div style="text-align: justify;"><span style="font-family: "Trebuchet MS",sans-serif;">Proses overlap kami akan membantu anda MENINGGIKAN gaji bersih anda. Dengan jumlah pendapatan anda SAMA, anda akan dapat jumlah potongan yang lebih RENDAH supaya gaji bersih anda dapat dinaikkan TINGGI.<br /><br /></span><span style="font-family: "Trebuchet MS",sans-serif;"><span style="font-size:180%;">untuk maklumat lanjut sila hubungi<br />ody<br />019-2452462<br /><br /></span></span></div> </div> <div class="post-footer"> <div class="post-footer-line post-footer-line-1"> <span class="reaction-buttons"> </span> <span class="star-ratings"> </span> <span class="post-backlinks post-comment-link"> </span> <span class="post-icons"> <span class="item-control blog-admin pid-1351888531"> <a href="post-edit.g?blogID=3237512786189246758&postID=6563904017564712029" title="Edit Post"> <img alt="" class="icon-action" src="http://img2.blogblog.com/img/icon18_edit_allbkg.gif" width="18" height="18" /> </a> </span> </span> </div> <div class="post-footer-line post-footer-line-3"> <span class="post-location"> </span> </div> </div> </div> <div class="post hentry uncustomized-post-template"> <a name="6132681711295259466"></a> <h3 class="post-title entry-title"> <a href="http://mbsbpersonalloan.blogspot.com/2010/02/kos-permohonan-pembiayaan-peribadi-i.html">KOS PERMOHONAN PEMBIAYAAN PINJAMAN PERIBADI-i MBSB (KETETAPAN OLEH BANK)</a> </h3> <div class="post-footer"> <div class="post-footer-line post-footer-line-1"> <span class="post-author vcard"> Posted by <span class="fn">FINANCIAL CONSULTANT</span> </span> <span class="post-timestamp"></span> </div> <div class="post-footer-line post-footer-line-2"> <span class="post-labels"> </span> <span class="post-comment-link"> / </span> </div></div> <div class="post-body entry-content"> <div style="text-align: justify;"><span style="font-family: "Trebuchet MS",sans-serif;">1) Yuran Proses (3% dari Jumlah Pinjaman) </span></div><div style="text-align: justify;"><span style="font-family: "Trebuchet MS",sans-serif;">2) Duti Setem RM50</span></div><div style="text-align: justify;"><span style="font-family: "Trebuchet MS",sans-serif;">3) Insuran perlindungan Takaful (mengikut umur dan jumlah pinjaman)</span></div><div style="text-align: justify;"><span style="font-family: "Trebuchet MS",sans-serif;">4) 1 Bulan sekuriti deposit (dikembalikan setelah pinjaman selesai)</span></div><div style="text-align: justify;"><span style="font-family: "Trebuchet MS",sans-serif;">5) Bayaran kepada Jabatan insolvensi – carian bankrupt (RM12)</span></div><div style="text-align: justify;"><span style="font-family: "Trebuchet MS",sans-serif;">6) Amanah Raya Berhad (RM350)</span><span style="font-family: "Trebuchet MS",sans-serif;"><br /></span><br /><div style="text-align: justify;"><span style="font-family: "Trebuchet MS",sans-serif;">** Caj-caj ini dikenakan oleh pihak MBSB<br /></span><span style="font-family: "Trebuchet MS",sans-serif;"><span style="font-size:180%;">untuk maklumat lanjut sila hubungi<br />ody<br />019-2452462<br /><br /></span></span></div></div> </div> <div class="post-footer"> <div class="post-footer-line post-footer-line-1"> <span class="reaction-buttons"> </span> <span class="star-ratings"> </span> <span class="post-backlinks post-comment-link"> </span> <span class="post-icons"> <span class="item-control blog-admin pid-1351888531"> <a href="post-edit.g?blogID=3237512786189246758&postID=6132681711295259466" title="Edit Post"> <img alt="" class="icon-action" src="http://img2.blogblog.com/img/icon18_edit_allbkg.gif" width="18" height="18" /> </a> </span> </span> </div> <div class="post-footer-line post-footer-line-3"> <span class="post-location"> </span> </div> </div> </div> <div class="post hentry uncustomized-post-template"> <a name="7388476283598748409"></a> <h3 class="post-title entry-title"> <a href="http://mbsbpersonalloan.blogspot.com/2010/02/syarat-syarat-kelayakan-pemohon.html">SYARAT-SYARAT KELAYAKAN PEMOHON PEMBIAYAAN PINJAMAN PERIBADI-i MBSB</a> </h3> <div class="post-footer"> <div class="post-footer-line post-footer-line-1"> <span class="post-author vcard"> Posted by <span class="fn">FINANCIAL CONSULTANT</span> </span> <span class="post-timestamp"></span> </div> <div class="post-footer-line post-footer-line-2"> <span class="post-labels"> </span> <span class="post-comment-link"> / </span> </div></div> <div class="post-body entry-content"> <div style="text-align: justify;"><span style="font-family: "Trebuchet MS",sans-serif;">1) Terbuka kepada semua kakitangan Kerajaan Persekutuan, Kerajaan Negeri dan Badan- badan Berkanun</span></div><div style="text-align: justify;"><span style="font-family: "Trebuchet MS",sans-serif;">2) Berumur <strong>19 tahun</strong> ke atas dan tidak melebihi <strong>58 tahun</strong> semasa tamat pembiayaan</span></div><div style="text-align: justify;"><span style="font-family: "Trebuchet MS",sans-serif;">3) Berjawatan<strong> tetap</strong> dan gaji pokok <strong>RM 700</strong> ke atas termasuk elaun tetap</span></div><div style="text-align: justify;"><span style="font-family: "Trebuchet MS",sans-serif;">4) Bayaran balik melalui potongan gaji <strong>BIRO ANGKASA</strong> dan <strong>POTONGAN GAJI</strong> termasuk pinjaman MBSB tidak melebihi 60% dari jumlah kasar gaji untuk kakitangan kerajaan<br /><br /></span><span style="font-family: "Trebuchet MS",sans-serif;"><span style="font-size:180%;">untuk maklumat lanjut sila hubungi<br />ody<br />019-2452462</span></span><br /></div> </div> <div class="post-footer"> <div class="post-footer-line post-footer-line-1"> <span class="reaction-buttons"> </span> <span class="star-ratings"> </span> <span class="post-backlinks post-comment-link"> </span> <span class="post-icons"> <span class="item-control blog-admin pid-1351888531"> <a href="post-edit.g?blogID=3237512786189246758&postID=7388476283598748409" title="Edit Post"><br /></a> </span> </span> </div> <div class="post-footer-line post-footer-line-3"> <span class="post-location"> </span> </div> </div> </div> <div class="post hentry uncustomized-post-template"> <a name="4478869252257765770"></a> <h3 class="post-title entry-title"> <a href="http://mbsbpersonalloan.blogspot.com/2010/02/borang-permohonan-dan-dokumen-yang.html">BORANG PERMOHONAN DAN DOKUMEN YANG DIPERLUKAN</a> </h3> <div class="post-footer"> <div class="post-footer-line post-footer-line-1"> <span class="post-author vcard"> Posted by <span class="fn">FINANCIAL CONSULTANT</span> </span> <span class="post-timestamp"></span> </div> <div class="post-footer-line post-footer-line-2"> <span class="post-labels"> </span> <span class="post-comment-link"> / </span> </div></div> <div class="post-body entry-content"> <div style="text-align: justify;"><span style="font-family: "Trebuchet MS",sans-serif;">1) Borang Permohonan - Lengkap diisi dan ditandatangani oleh pemohon</span></div><div style="text-align: justify;"><span style="font-family: "Trebuchet MS",sans-serif;">2) 2 salinan Kad Pengenalan MYKAD depan belakang - Disahkan oleh ketua Jabatan</span></div><div style="text-align: justify;"><span style="font-family: "Trebuchet MS",sans-serif;">3) 1 Bulan Penyata Gaji yang asal (terbaru)</span></div><div style="text-align: justify;"><span style="font-family: "Trebuchet MS",sans-serif;">4) 2 Salinan Penyata Gaji 3 bulan terkini - Disahkan oleh ketua Jabatan </span></div><div style="text-align: justify;"><span style="font-family: "Trebuchet MS",sans-serif;">5) 1 Salinan Buku Akaun Bank (muka surat pertama dan maklumat akaun) - disahkan oleh pagawai Bank atau kakitangan MBSB</span></div><div style="text-align: justify;"><span style="font-family: "Trebuchet MS",sans-serif;">6) Borang Biro Angkasa (BPA) 1/79 - Ditandatangani oleh pemohon dan disahkan oleh Ketua Jabatan</span></div><div style="text-align: justify;"><span style="font-family: "Trebuchet MS",sans-serif;">7) Surat Pengesahan Jawatan</span></div><div style="text-align: justify;"><span style="font-family: "Trebuchet MS",sans-serif;">8) Salinan Penyata Penyelesaian Awal Pinjaman ( jika overlapping )<br /><br /></span><span style="font-family: "Trebuchet MS",sans-serif;"><span style="font-size:180%;">untuk maklumat lanjut sila hubungi<br />ody<br />019-2452462<br /><br /></span></span></div> </div></div><br /><div id="sidebar-wrapperL"> <div class="sidebar section" id="sidebar2"><div class="widget Image" id="Image1"> <div class="widget-content"> <img alt="" id="Image1_img" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg9xSr8-iPjbJP7aMk5MUkLIfVflWkJq6pje6uidOSp_vcLqLhabX5zqunimchQXzX6wiNSy5vnpZWOVXXzbFNTOiKeaBbZTMsv6IPAt_oFlr2pWVmPCQgfjpJSK59r6W4LvqITmzT7zdmf/s200/mbsb.jpg" width="200" height="149" /><br /><span class="caption">MALAYSIA BUILDING SOCIETY BERHAD</span> </div> <span class="widget-item-control"> <span class="item-control blog-admin"> <a class="quickedit" href="rearrange?blogID=3237512786189246758&widgetType=Image&widgetId=Image1&action=editWidget" target="configImage1" title="Edit"><br /></a> </span> </span> </div><div class="widget-content"> <div 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href="rearrange?blogID=3237512786189246758&widgetType=Image&widgetId=Image8&action=editWidget" target="configImage8" title="Edit"><br /></a> </span> </span> </div><div class="widget Image" id="Image6"> <div class="widget-content"> <br /></div> <span class="widget-item-control"> <span class="item-control blog-admin"> <a class="quickedit" href="rearrange?blogID=3237512786189246758&widgetType=Image&widgetId=Image6&action=editWidget" target="configImage6" title="Edit"><br /></a> </span> </span> </div></div> </div> <div class="clear"> </div>bandit art networkhttp://www.blogger.com/profile/05199014042336815557noreply@blogger.com0tag:blogger.com,1999:blog-7204914375246600693.post-83562614503717332782009-10-19T23:39:00.000-07:002009-10-19T23:43:58.285-07:00MBSB Chairman Statement<strong>Chairman Statement</strong><br /><strong>Extracted from Annual Report 2008</strong><br /><br />Dear Shareholders, On behalf of the Board of Directors, I am pleased to present the Annual Report and Audited Financial Statements of Malaysia Building Society Berhad (MBSB) and its Group for the financial year ended 31 December, 2008.<br />Overall Business Environment<br /><br />Malaysia, like most other countries is not spared from the adverse effects of the global economic slowdown following the sub-prime crisis. The operating environment for the finance industry is difficult and competitive especially in terms of retail and corporate loans.<br />Despite the above challenges, we were profitable in 2008. Our continued focus on retail loans and increased efforts in our loan recoveries were the main contributors to the profit performance.<br /><br />MBSB Group's loan base continued to increase. A net loan growth of 12.3% was achieved in 2008. The increase was substantially due to the increase in mortgage loans especially in Islamic financing.<br /><br /><strong>Review of the Group Financial Performance<br /></strong>MBSB recorded a Group pre-tax profit of RM54.0 million in 2008, which was an improvement of 24.6% over the previous year of RM43.4 million. Similarly, at company level, the pre-tax profit improved by 52.2% to RM63.9 million as compared to the previous year of RM41.9 million.<br /><br />The improvement was mainly due to the growth in net interest and financing income and other income arising from increased loan base, which was supported by increased deposit taking activities. The improvement was partially offset by higher other operating expenses.<br />Due to our profit achievement over the last five (5) years, the unabsorbed tax losses have been utilised accordingly. This year, the utilisation has resulted in the reversal of deferred tax assets of RM17.0 million resulting in a lower deferred tax assets of RM16.0 million as compared to RM33.0 million in the previous year.<br /><br />The reversal of deferred tax assets has resulted in a lower net profit for the Group and the Company of RM32.6 million and RM40.9 million respectively for 2008 as compared to the previous year of RM53.3 million and RM44.8 million respectively.<br /><br /><strong>Lending Activities</strong><br />As mentioned earlier, MBSB Group's total net loans, advances and financing grew by 12.3% to RM6.8 billion in 2008. This was due to the continuing growth in mortgage loans of 17.0% in 2008, in particular our Islamic financing, which contributed 69.0% of the overall growth. Apart from mortgage loans, MBSB has been focusing on personal loans, which grew by 43.0% in 2008. Overall, mortgage and personal loans accounted for 71.0% and 4.7% of the total net loans.<br />MBSB Group's net non-performing loans ("NPL") increased by RM140.5 million on the back of RM742.0 million loan growth in 2008. The NPL ratio for 2008 has remained at 23.0%, equivalent to the NPL ratio recorded in 2007. Our general provision was 1.0% in 2008. We will be enhancing our risk management capabilities in view of the current economic environment to improve the Group's asset quality.<br /><br /><strong>Deposits from Customers</strong><br />MBSB Group's deposits grew by 17.0% to RM6.3 billion in 2008 as compared to the previous year of RM5.4 billion. Government and statutory bodies account for 41.0% whilst business enterprises and individuals account for 37.0% and 22.0% of the total deposits respectively.<br />With the increase in deposits from customers, the bank borrowings have accordingly reduced by 48.0% to RM305.2 million in 2008 compared to RM591.0 million in 2007.<br /><br /><strong>Dividends</strong><br />The dividend policy for this year onward is a minimum payout ratio of 30%. On this basis and the current financial performance, the Board of Directors have recommended a first and final dividend of 3.0% less 25.0% income tax for the financial year ended 31 December 2008 to MBSB's shareholders for approval. The payout ratio for the estimated net dividend payment<br />Strategic Initiatives<br /><br /><strong>Product Development<br /></strong>MBSB will continue to focus on product development and enhancement. As part of the growth strategy, MBSB has pre-launched the "PartnerHome-i" product which is based on the Musharakah Mutanaqisah Home Financing Concept. In addition, MBSB has also prelaunched the "Mudharabah Savings-i", a general investment savings account based on the profit sharing concept. This product is aimed to encourage the habit of saving amongst our depositors.<br />As part of MBSB's continuous development strategy, the Financial Process Exchange (FPX) system, an on-line collection facility will be implemented in the near future to facilitate and to ease the payment process for our customers.<br /><br /><strong>Strategic Alliance</strong><br />During the year, we have collaborated with a few strategic partners such as Takaful Malaysia, CommercedotCom, Kaizen HR and ShareInvestor in our efforts to improve the delivery system to benefit MBSB's customers, shareholders and stakeholders.<br />We have also entered into a collaboration with ShareInvestor, a programme endorsed by the Malaysian Investors' Relation Association, to enhance our channel of communication with our shareholders, investors and the investment community. In view of the current financial turmoil, MBSB feels that it is important to maintain an active level of dialogue and communication with its shareholders and investors.<br /><br /><strong>Human Capital Development</strong><br />For the year 2008, MBSB has been prudent and will continue to do so in its recruitment exercise in line with the current economic scenario.<br />MBSB believes that each and every employee is an asset to the organization. As such, it is important that its workforce be developed to meet the growing needs of the organization. Various in-house and external training programmes have been conducted for executives and non-executives to enhance their competencies by focusing on supervisory skills, leadership skills, soft skills and management skills. A total of 98 in-house and external training programmes were conducted to improve the employees' skill set.<br />We have also participated in The Talent Exchange Programme, coordinated by the Khazanah Nasional Berhad. The Exchange Programme was designed to enable an exchange of talents between the Government- Linked Companies.<br /><br /><strong>Corporate Social Responsibility<br /></strong>During the year, MBSB has embarked on various initiatives to give back meaningfully to the community in which MBSB operates.<br />CSR has been integrated into its business strategy and this is reflected through the launching of MBSB Home Safety Campaign with the theme,"Our Home – The Safest Place". The rationale behind this initiative was:-<br /><br /><strong>To build a conducive living environment;<br /></strong><br /><strong>To build community knowledge towards creating safer living environment,<br /></strong><br /><strong>To encourage a caring society; and<br /></strong><br /><strong>To educate the public on the necessary actions and measures to be taken on crime prevention, </strong><br /><strong>fire prevention and first aid.</strong><br /><br />The campaign was launched in May 2008 and since then, talks and outreach programmes were held throughout Malaysia to educate and create awareness on the importance of home safety.<br />One of the achievements of the Campaign was the recognition by the Prime Minister's Department of MBSB's contribution in championing The MBSB Home Safety Campaign to the public. The award was presented during the launching of the National Crime Prevention Month in August 2008.<br /><br />Besides the Home Safety initiative, MBSB also contributes towards the improvement in education, particularly, in the rural areas. During the year, MBSB continued to monitor the progress of its two adopted schools in Bukit Mertajam, i.e. Sekolah Kebangsaan Machang Bubok and Sekolah Kebangsaan Bukit Teh, under the PINTAR school adoption programme. In addition, another 17 schools were also adopted. Counselling sessions, motivation and other related activities were undertaken to equip the students to prepare for their exams.<br />Not forgetting our home, the employees' welfare has always been our prime concern. During the year, we have initiated a financial assistance programme for selected single parents. Monetary assistance was provided to these parents to alleviate the rising costs of living.<br /><br /><strong>GLC Transformation Initiatives<br /></strong>As a Government-Linked Company (GLC), MBSB will continue to implement the best practices in order to achieve our aspirations and objectives and also to transform MBSB into a high performance organization. In the Transformation Implementation Plan, MBSB was on track in its deliverables and has shown the following tangible results under GLC initiatives.<br /><br />The GLC Initiatives carried out during the year were:-<br /><br /><strong>Blue Book</strong> (Intensifying Performance Management) Implemented the reward system to the individual staff scorecard.<br /><br /><strong>Red Book</strong> (Procurement Guidelines and Best Practices)Implemented the first module of the E-Procurement System<br /><br />MBSB have also implemented the Vendor Development Programme, comprising of the Bumiputera Vendor Development Programme and the Strategic Supplier Programme. Small and medium Bumiputera enterprises would be selected and developed during the programme, to be at par with the existing companies in terms of competitiveness.<br /><br /><strong>Branch Network<br /></strong>For the year 2008, MBSB had opened six branches at various strategic locations in Kangar, Taiping, Sandakan, Kemaman, Sitiawan and Tawau. MBSB has a total of 30 branches throughout Malaysia.<br /><br />In line with our expansion plan, two more branches have been identified to be opened in 2009 i.e. Kulim and Bintulu.<br /><br /><strong>Future Direction</strong><br />MBSB will continue to focus on the retail business, and we have identified Personal Financing and Home Mortgage to be the core retail programmes for the Company.<br />For 2009, our Management has structured certain strategic initiatives to penetrate the Personal Financing and Mortgage markets that should see significantly higher contributions of income from these two businesses in the future.<br /><br />The other core business activity that MBSB will focus on for the coming year, will be the continued involvement in Conventional and Islamic Corporate businesses. Bridging loans for Projects that are viable will continue to be financed by MBSB.<br />The planned introduction of the Islamic Business Model to cater for the financing needs of the small and medium Bumiputera enterprises would be one of the business initiatives to be launched during the year.<br /><br />To ensure that all the Projects under both Conventional and the Islamic business model programmes are critically evaluated and their viability enhanced, MBSB will set up a Project Management and Monitoring Department, whose task would be to manage, evaluate and monitor all the Projects financed or participated by MBSB.<br /><br /><strong>Appreciation<br /></strong>On behalf of the Board of Directors, we wish to express our heartfelt appreciation to shareholders, depositors, customers and stakeholders for their continuous support to the Company. To all our partners, we thank you for the assistance and cooperation during the year.<br />We also wish to welcome Encik Ahmad Zaini bin Othman who took over the helm of the Company on 26 February 2009 as the new Chief Executive Officer. His vast experience in the Commercial and Merchant Banking and Corporate sector over the past 24 years, particularly in Islamic Finance will, I believe contribute positively to the overall growth of MBSB. To my fellow Directors, I wish to record my sincere appreciation for their invaluable wisdom, advice and guidance.<br /><br />A special thanks to Yang Berbahagia Datuk Haj i A. Rahim Bin Abdullah, who retired from the Board on 3 June 2008.<br />Last but not least, on behalf of the Board, I would like to record our appreciation to our previous Chief Executive Officer, Encik Ahmad Farid Omar, for his services and contribution to MBSB for the past 5 years from August 2003 up to December 2008.<br /><br />Tan Sri Abdul Halim Bin Ali<br />Chairman<br />27 March 2009bandit art networkhttp://www.blogger.com/profile/05199014042336815557noreply@blogger.com0tag:blogger.com,1999:blog-7204914375246600693.post-72495498981586074832009-10-19T23:37:00.000-07:002009-10-19T23:38:56.336-07:00MBSB kini di laboh ampangBahagian Pembiayaan Peribadi MBSB Kini Beroperasi Di Leboh Ampang<br />Jul 31, 2009<br /><br />Bahagian Pembiayaan Peribadi MBSB kini mula beroperasi di lokasi baru di Bangunan MBSB, Pusat Bandar 13/15, Leboh Ampang bermula 27hb Julai 2009.<br /><br />Pemindahan lokasi ini bertujuan untuk mempertingkatkan lagi keupayaan perkhidmatan di samping memberi kemudahan dan keselesaan yang lebih baik kepada pelanggan serta orang ramai. Segala urusan Pembiayaan Peribadi seperti perkhidmatan pelanggan, pemprosesan pinjaman, pentadbiran serta bahagian pemasaran akan berpusat di MBSB Leboh Ampang.<br /><br />Operasi pemprosesan pinjaman kini dipergiat sehingga pukul 12.00 tengah malam. Usaha ini merupakan salah satu langkah bagi mempertingkatkan lagi operasi pemprosesan pinjaman untuk beroperasi selama 24 jam sehari kelak bagi memastikan segala urusan permohonan pelanggan dapat diproses dengan kadar segera. Langkah agresif ini sejajar dengan matlamat MBSB untuk memberi perkhidmatan yang cekap dan pantas kepada pelanggan.<br /><br />Untuk keterangan lanjut, orang ramai boleh menghubungi En. Azman Aziz atau Cik Fara Bahagian Pembiayaan Peribadi MBSB Leboh Ampang di talian 03–2072 4600/ 2072 4043 atau menghubungi talian bebas tol PFi MBSB Leboh Ampang 1–800–22–6000. Pelanggan-pelanggan juga boleh menghantar faks di talian 03-2072 4037.<br /><br />MBSB kini giat mempromosikan pinjaman peribadi-i kepada kakitangan awam dengan memperkenalkan pakej istimewa serta menawarkan kadar faedah yang paling kompetitif di pasaran. Selain produk pembiayaan peribadi-i, MBSB juga menawarkan pakej pinjaman perumahan, akaun simpanan, dan peniagaan korporat.bandit art networkhttp://www.blogger.com/profile/05199014042336815557noreply@blogger.com0tag:blogger.com,1999:blog-7204914375246600693.post-1000099165509925152009-10-19T23:33:00.000-07:002009-10-19T23:37:17.595-07:00mbsb AnnouncementsEconomic Profit and Loss Statement for 2nd Quarter 2009<br />Aug 11, 2009<br /><br />General Announcement<br />Reference No MB-090811-55405<br /><br />Company Name:<br />MALAYSIA BUILDING SOCIETY BERHAD <br /><br />Stock Name:<br />MBSB <br /><br />Date Announced:<br />11/08/2009 <br /><br />Type:<br />Announcement<br /><br />Subject:<br />Economic Profit and Loss Statement for 2nd Quarter 2009<br /><br />Contents:<br />Malaysia Building Society Berhad (“MBSB” or “the Company”) would like to announce its Economic Profit and Loss Statement for 2nd Quarter 2009.<br /><br />Announcement Details :<br />ECONOMIC PROFIT AND LOSS STATEMENT FOR THE 2ND QUARTER 2009Economic profit or loss is an amount earned for a period by a business after deducting the operating expenses and a charge of opportunity cost of capital employed.<br /><br />The economic profit and loss statement set out in Table 1 is disclosed on a voluntary basis.The assumptions used in computing the economic profit/loss are set out below:<br /><br />(i) The cost of equity is calculated based on the following formula:Cost of equity = (Beta x Market Risk Premium) + Risk Free Rate<br /><br />(ii) The Beta used in the calculation is the 5 years<br />adjusted Bloomberg Rate:<br />Quarterly Period Beta2nd Quarter 2009=1.4411st Quarter 2009=1.3834th Quarter 2008=1.373<br /><br />(iii)The risk free rate is the rate of return of a 10-year Malaysian Government Securities at the closing of the reporting period:Risk Free RateAt 30 June 2009=4.340%At 31 March 2009=3.850%At 31 December 2008=3.170%<br /><br />(iv) The market risk premium is assumed at 5.2%, which represents the market return in excess of the return earned on risk free asset.<br /><br />TABLE 1<br />30 June 2009<br /><br />(Unaudited) RM’000<br /><br />Group profit after taxation<br />14,233<br /><br />Adjustments<br />- Deferred tax assets<br />8,000<br /><br />Adjusted Group profit after taxation<br />22,233<br /><br />Less: Cost of capital employed<br />(29,440)<br /><br />Economic loss<br />(7,207)bandit art networkhttp://www.blogger.com/profile/05199014042336815557noreply@blogger.com0tag:blogger.com,1999:blog-7204914375246600693.post-44607389179745778622008-06-10T08:58:00.000-07:002008-06-10T09:02:27.374-07:00http://www.mbsb.com.my malaysia building society berhad<p class="MsoNormal"><b style=""><span lang="EN-MY">http://www.mbsb.com.my</span></b></p><p class="MsoNormal"><b style=""><span lang="EN-MY">History of malaysia building society berhad<o:p></o:p></span></b></p> <p class="MsoNormal"><span lang="EN-MY"><o:p></o:p>The origin of Malaysia Building Society Berhad (MBSB) can be traced to the Federal and Colonial Building Society Limited incorporated in 1950. Later than in 1956, it changed to Malaya Borneo Building Society Limited (MBBS), with the Malaysian Government as its major shareholder. MBBS was listed on the Stock Exchange of Malaysia and <st1:country-region st="on"><st1:place st="on">Singapore</st1:place></st1:country-region> in August 1963.<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><o:p></o:p>MBSB was incorporated in <st1:country-region st="on"><st1:place st="on">Malaysia</st1:place></st1:country-region> under the Companies Act, 1965 on 17 March 1970, before it was listed on the Kuala Lumpur Stock Exchange on 14 March 1972. The Employees Provident Fund Board (EPF) and Permodalan Nasional Berhad (PNB) are the major shareholders with 63.02% and 11.10 % of shares respectively.<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><o:p></o:p>As the first property financier, MBSB offers a spectrum of innovative products and services through its network all over <st1:country-region st="on"><st1:place st="on">Malaysia</st1:place></st1:country-region> including in Sabah & Sarawak.<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><o:p></o:p><span style=""></span></span><b style=""><span lang="EN-MY">MBSB is 'an Exempt Finance Company'<o:p></o:p></span></b></p> <p class="MsoNormal"><span lang="EN-MY"><o:p></o:p>MBSB is a company incorporate under the companies ACT 1965 and is scheduled institution as defined under the Banking and Financial Institution Act 1989 (BAFIA). The status of an Exempt Finance Company was granted to MBSB on 1 March 1972 by the Ministry of Finance and the status has never been revoked or rescinded. The status allows MBSB to carry on a finance business without a license.<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><o:p></o:p>Historical information:<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><o:p> </o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><span style=""> </span>* MBSB has been granted with an exemption under Section 7(4) of the Borrowing Companies Act 1969 (BCA) and the said exemption has never been revoked or rescinded.<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><span style=""> </span>* The BCA was later known as Finance Companies Act 1969 (FCA) upon the coming into force of the Banking and Borrowing Companies Act 1979 (BBCA).<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><span style=""> </span>* As a result of the charge from BCA to FCA, all reference to borrowing business and borrowing company were to be construed respectively as finance business and finance company.<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><span style=""> </span>* The FCAS was later repealed by Banking and Financial Institutions Act 1989 (BAFIA) which effective 'made the regulation of finance companies under the FCA came under the purview of BAFIA.<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><o:p> </o:p></span></p> <p class="MsoNormal"><span lang="EN-MY">Section 128(2) of BAFIA states that all exemptions and approval made or given under the repealed acts (FCA) shall be deemed to have been made and given under the relevant corresponding provisions of BAFIA and shall remain in force until revoked, rescinded or replaced by the corresponding provisions of BAFIA.</span></p>bandit art networkhttp://www.blogger.com/profile/05199014042336815557noreply@blogger.com0tag:blogger.com,1999:blog-7204914375246600693.post-81011785156528863562008-06-10T08:49:00.000-07:002008-06-10T08:55:57.722-07:00Home Improvement loan<p style="text-align: center;" class="MsoNormal"><b style=""><span lang="EN-MY" style="font-size:16;"><span style="font-size:180%;"><a href="http://technorati.com/tag/Home+Improvement" rel="tag">Home Improvement</a></span><o:p></o:p></span><br /><span lang="EN-MY"><o:p> </o:p><span style="font-size:100%;">Product Features<o:p></o:p></span></span></b><span style="font-size:100%;"><b style=""><span style="" lang="EN-MY"><br />Applicable to owners of completed properties</span></b></span></p><p class="MsoNormal" style="text-align: center;" align="center"><b style=""><span lang="EN-MY" style="font-size:16;"><br /></span></b></p><p class="MsoNormal" style="text-align: center;" align="center"><span style="font-size:130%;"><b style=""><span lang="EN-MY">For More Information</span></b><br /></span><b style=""><span lang="EN-MY" style="font-size:16;"><span style="font-size:130%;">contact Marketing Department at:</span><o:p></o:p></span></b></p> <p class="MsoNormal" style="text-align: center;" align="center"><b style=""><span lang="EN-MY">Ody ( 6017 ) 3632103<o:p></o:p></span></b></p> <p class="MsoNormal" style="text-align: center;" align="center"><b style=""><span lang="EN-MY">Azman Zain (6012) 628 9921<o:p></o:p></span></b></p> <p class="MsoNormal" style="text-align: center;" align="center"><b style=""><span lang="EN-MY">Marketing (603) 2095 4000 (Ext 770/676)<o:p></o:p></span></b></p> <p class="MsoNormal"><span lang="EN-MY"><o:p> </o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><span style=""> </span>* Eligible to MBSB existing/other financial institutions housing loan customers (i*)<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><span style=""> </span>* Financing Amount<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><span style=""> </span>o Up to 15 times monthly salary, subject to a minimum of RM3, 000 and up to a maximum of RM50,000<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><span style=""> </span>* Repayment tenure<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><span style=""> </span>* Up to 7 years<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><span style=""> </span>* Hassle-free application<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><span style=""> </span>* Application at 23 MBSB branches nationwide and fast approval (ii*)<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><span style=""> </span>* No creation of 2nd charge<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><span style=""> </span>* Low monthly repayments<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><span style=""> </span>* Profit rate<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><span style=""> </span>* Attractive fixed rate<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><span style=""> </span>* Security deposit<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><span style=""> </span>* Equivalent to 3 months installment amount (to be included in the financing amount)<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><span style=""> </span>* Processing fee<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><span style=""> </span>Up to RM10,000 - RM100<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><span style=""> </span>RM10,001 to RM50,000 - RM200<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><span style=""> </span>* Eligibility criteria<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><span style=""> </span>o Applicant must be at least be 21 years old and not exceeding 55/56 (ii*) years old upon expiry of the facility<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><span style=""> </span>o Malaysian citizen<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><span style=""> </span>o Minimum income of RM1,000 (i*) ONLY (Joint income is applicable to husband and wife ONLY)<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><span style=""> </span>o Applicant must be a confirmed employee in any of the following:<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><span style=""> </span>+ Government Sector<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><span style=""> </span>+ MBSB's approved list of companies (iii*)<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><span style=""> </span>* Other requirements<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><span style=""> </span>o Guarantor (i*):<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><span style=""> </span>+ Waived for Government staff<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><span style=""> </span>+ One (1) eligible guarantor of non-Government staff<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><span style=""> </span>o Participation in Group Reducing Term Takaful Plan<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><span style=""> </span>* Supporting documents for applicant(s) & guarantor(s)<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><span style=""> </span>o Original IC<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><span style=""> </span>o Employer's confirmation letter<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><span style=""> </span>o Latest 3 months pay slip<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><span style=""> </span>o Latest 3 years Income Tax Form J<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><o:p> </o:p></span></p> <p class="MsoNormal"><span lang="EN-MY">Notes:<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY">i* Subject to terms and conditions.<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY">ii* To qualified applicant and subject to submission of required documents<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY">iii* Applicant must be a confirmed staff of MBSB's approved list of companies. Application can be made directly at any of MBSB's branches or through the employer's Human Resources Department.<o:p></o:p></span></p> <p class="MsoNormal"><span lang="EN-MY"><o:p> </o:p></span></p> <p class="MsoNormal" style="text-align: center;" align="center"><span style="font-size:130%;"><b style=""><span lang="EN-MY">For More Information</span></b><br /></span><b style=""><span lang="EN-MY" style="font-size:16;"><span style="font-size:130%;">contact Marketing Department at:</span><o:p></o:p></span></b></p> <p class="MsoNormal" style="text-align: center;" align="center"><b style=""><span lang="EN-MY">Ody ( 6017 ) 3632103<o:p></o:p></span></b></p> <p class="MsoNormal" style="text-align: center;" align="center"><b style=""><span lang="EN-MY">Azman Zain (6012) 628 9921<o:p></o:p></span></b></p> <p class="MsoNormal" style="text-align: center;" align="center"><b style=""><span lang="EN-MY">Marketing (603) 2095 4000 (Ext 770/676)<o:p></o:p></span></b></p> <p class="MsoNormal"><span lang="EN-MY"><o:p> </o:p></span></p> <p class="MsoNormal" style="text-align: center;" align="center"><span lang="EN-MY">Alternatively, you may visit our branches nearest to you today.</span></p>bandit art networkhttp://www.blogger.com/profile/05199014042336815557noreply@blogger.com0tag:blogger.com,1999:blog-7204914375246600693.post-27883146755721386132008-06-04T16:24:00.000-07:002008-06-04T16:31:57.561-07:00Peluang perkerjaan di Malaysia building society berhad MBSB<span style="font-size:180%;"><span style="font-weight: bold;"><a href="http://technorati.com/tag/jawatan+kosong" rel="tag">jawatan kosong</a></span></span><br /><br />Peluang perkerjaan di <span style="font-weight: bold;"><a href="http://technorati.com/tag/malaysia+building+society+berhad" rel="tag">malaysia building society berhad</a> <a href="http://technorati.com/tag/MBSB" rel="tag">MBSB</a></span><br /><br />Interested in a career with outstanding prospects in the financing industry?<br /><br />We offer excellent opportunities to successful candidates. Remuneration will commensurate with experience and qualifications.<br />In your resume, please clearly state your qualifications, work experience, present and expected salary, contact number and also include copies of your certificates and a recent passport-sized photograph (nr).<br />For written applications, please indicate the position at the upper-left corner of the envelope and mail to:<br /><br /><span style="font-weight: bold;">Human Resource Department</span><br />Malaysia Building Society Berhad<br />Wisma MBSB, 48 Jalan Dungun<br />Damansara Heights<br />50490 Kuala Lumpurbandit art networkhttp://www.blogger.com/profile/05199014042336815557noreply@blogger.com0tag:blogger.com,1999:blog-7204914375246600693.post-8874918325741560192008-05-26T21:35:00.000-07:002008-05-26T22:21:06.458-07:00mbsb Personal Financing-i<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgVccSnM6caCyKsufSCT2mT9bvpKMrsLTpyrKMNksgVXARWx00aPyzQuImLCGdG5pI2SyYr4vY9dtXBbqu15UZIs4gkbFpzF7BmIYVWWTS_CeRarUL2hRqksyrAhz9jioAz3YvrdR28ewrY/s1600-h/banner3.jpg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 377px; height: 142px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgVccSnM6caCyKsufSCT2mT9bvpKMrsLTpyrKMNksgVXARWx00aPyzQuImLCGdG5pI2SyYr4vY9dtXBbqu15UZIs4gkbFpzF7BmIYVWWTS_CeRarUL2hRqksyrAhz9jioAz3YvrdR28ewrY/s320/banner3.jpg" alt="" id="BLOGGER_PHOTO_ID_5204914542035838594" border="0" /></a><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjZymEuTqW3-eARaj6p5Kl_3LQ91u4d8G7QxjAYucg3uiUwjK47MCm2EMlQ09onT6cO6-GsNZO2cOmIc32k5kOBloTBSvl84cjEl_TQDtWaODVVXlcyjbtRKA2qRuYSP26AnrrcQhqKrTIF/s1600-h/spacer.gif"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjZymEuTqW3-eARaj6p5Kl_3LQ91u4d8G7QxjAYucg3uiUwjK47MCm2EMlQ09onT6cO6-GsNZO2cOmIc32k5kOBloTBSvl84cjEl_TQDtWaODVVXlcyjbtRKA2qRuYSP26AnrrcQhqKrTIF/s320/spacer.gif" alt="" id="BLOGGER_PHOTO_ID_5204913498358785650" border="0" /></a><span style="font-weight: bold;"><br /></span><div style="text-align: center;"><span style="font-weight: bold;"><span style="font-size:180%;"><a href="http://technorati.com/tag/Personal+financing-i" rel="tag">Personal Financing-i</a> (Islamic)</span></span><span style="font-size:180%;"> </span><br /></div><div style="text-align: center;"><span style="font-size:180%;"><span style="font-weight: bold;">For more information pls call/sms</span> <span style="font-weight: bold;"><br />Ody</span> <span style="font-weight: bold;">017-3632103</span></span><br /></div><br />We provide an efficient service which makes it easy and convenient for you to apply.<br />Product Features<br /><br /><span style="font-weight: bold;">• <a href="http://technorati.com/tag/Financing" rel="tag">Financing</a> Amount - High financing amount. Up to 15 times monthly salary. Subject to a minimum of RM3,000 and up to a maximum of RM75,000.</span><br /><br />• Flexible Repayment Period - at a minimum tenure of 2 years and up to 7 years<br /><br />• Hassle Free Application - Application at 22 <a href="http://technorati.com/tag/MBSB%27s" rel="tag">MBSB's </a>branches nationwide and fast approval (a*)<br /><br />• Fast approval.<br /><br />• Obtain cash, fast and easy.<br /><br />• Low monthly repayments.<br /><br />• Profit Rate - Attractive fixed rate.<br /><br />• <a href="http://technorati.com/tag/Security+Deposit" rel="tag">Security Deposit</a> - Equivalent to 3 months installment amount ( to be included in the financing amount)<br /><br />Processing Fee<br />- Up to RM10,000 - RM100<br />- RM10,001 - RM75,000 - RM200<br /><br />• Other Requirements<br /><br />o Guarantor<br /><br /><span style="font-weight: bold;">For loan amount up to RM50,000 </span><br /> Waived for Government staff<br /> One (1) eligible guarantor of non-Government staff<br /><br /><span style="font-weight: bold;">For <a href="http://technorati.com/tag/loan" rel="tag">loan</a> amount between RM50,001 – RM75,000 </span><br /><br /><span style="font-weight: bold;"> a) Two (2) eligible guarantors of Government and non-Government staff </span><br />o Participation in Group Reducing Term Takaful Plan<br /><br /><span style="font-weight: bold;">a) Optional Contract for <a href="http://technorati.com/tag/Government+staff" rel="tag">Government staff</a> who opt to extend their retirement age to 56 (b*) </span><br />o Monthly repayment is via salary deduction and post-date cheque<br /><br /><span style="font-weight: bold;">• Supporting documents for Applicant(s) & Guarantor(s) </span><br />o Original IC (photocopy)<br />o Latest 3 months salary slip (original and photocopy)<br />o Employer's confirmation letter<br />o Latest 2 years Income Tax Form J<br /><br /><span style="font-weight: bold;">Notes: </span><br />a* To qualified applicant and subject to completion of documents<br />b* For government staff who opt to extend their retirement age to 56<br />c* Subject to Terms & Conditions<br />d* Applicant must be a confirmed staff of MBSB's approved corporate client. Application can be made directly at any of MBSB's branches or through the employer's Human Resources Department.<br /><span style="font-weight: bold;">Eligibility For Personal Financing </span><br /><br />• Applicant must be at least 21 years old and not exceeding 55/56 (b*) years old upon expiry of the facility<br /><br />• Malaysian permanent resident<br /><br />• Minimum income of RM1,000 (c*) ONLY (Joint income is applicable to husband and wife ONLY)<br /><br />• Minimum gross monthly income of RM 1,000 (Joint income is applicable to husband and wife ONLY)<br /><br />• Confirmed employee of MBSB's approved Corporate client<br /><br />• Maximum financing up to 15 times monthly salary or maximum of RM75,000 whichever is lower<br /><br />• Applicant must be a confirmed employee in any of the following:<br /><br />o Government Sector<br /><br />o MBSB's approved Corporate Client (d*)<br /><br /><span style="font-weight: bold;">Notes:</span><br /><br />a* To qualified applicant and subject to completion of documents<br />b* For government staff who opt to extend their retirement age to 56<br />c* Subject to Terms & Conditions<br />d* Applicant must be a comfirmed staff of MBSB's approved corporate client. Application can be<br /><br />made directly at any of MBSB's branches or through the employer's <a href="http://technorati.com/tag/Human+Resources" rel="tag">Human Resources</a> Department.<br /><br /><span style="font-weight: bold;">Other Details: </span><br /><br />Security Deposits - equivalent to 3 months installment amount (to be included in the financing amount).<br /><br /><div style="text-align: center;"><br /><span style="font-weight: bold;">Profit Rates: </span><br /></div><div style="text-align: center;">Repayment Periods Private Sector Rates Government Rates<br />2 - 3 years- 6.35% 5.60%<br />4 - 5 years -6.75% 6.00%<br />6 - 7 years -7.00% 6.25%<br /></div><br /><div style="text-align: center;"><span style="font-size:180%;"><span style="font-weight: bold;">For more information pls call/sms</span> <span style="font-weight: bold;"><br />Ody</span> <span style="font-weight: bold;">017-3632103</span></span><br /></div>bandit art networkhttp://www.blogger.com/profile/05199014042336815557noreply@blogger.com0