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Help Needed !! Loan for car aged more than 10 years old
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<blockquote data-quote="anaksarawak" data-source="post: 665502" data-attributes="member: 4851"><p><span style="color: #000000"><span style="font-family: 'Arial'"></span></span></p><p><span style="color: #000000"><span style="font-family: 'Arial'">Personal loan from Bank Islam, so far the best rate I know of ...Good Luck </span></span></p><p><span style="color: #000000"><span style="font-family: 'Arial'"></span></span></p><p><span style="color: #000000"><span style="font-family: 'Arial'"><a href="http://www.bankislam.com.my/en/Pages/Package.aspx?tabs=3&mlink=PersonalFinancing" target="_blank">http://www.bankislam.com.my/en/Pages/Package.aspx?tabs=3&mlink=PersonalFinancing</a></span></span></p><p><span style="color: #000000"><span style="font-family: 'Arial'"><strong></strong></span></span></p><p><span style="color: #000000"><span style="font-family: 'Arial'"><strong></strong></span></span></p><p><span style="color: #000000"><span style="font-family: 'Arial'"><strong></strong></span></span></p><p><span style="color: #000000"><span style="font-family: 'Arial'"><strong></strong></span></span></p><p><span style="color: #000000"><span style="font-family: 'Arial'"><strong>Features</strong></span></span></p><p><span style="color: #000000"><span style="font-family: 'Arial'"><strong>Financing Quantum</strong></span></span></p><p><span style="color: #000000"><span style="font-family: 'Arial'"></span></span></p><ul> <li data-xf-list-type="ul"><span style="color: #000000"><span style="font-family: 'Arial'">Based on eligibility limit and subject to minimum amount of RM10,000 and maximum amount of RM200,000</span></span></li> </ul><p><strong>Payment Period</strong></span></span></p><p><span style="color: #000000"><span style="font-family: 'Arial'"> <ul> <li data-xf-list-type="ul"><span style="color: #000000"><span style="font-family: 'Arial'">Maximum of 15 years (180 months) or up to the retirement age, whichever is earlier</span></span></li> </ul><p><strong>Financing Rate Offer</strong></span></span></p><p><span style="color: #000000"><span style="font-family: 'Arial'"><u>Flat Rate</u></span></span></p><p> <span style="color: #000000"><span style="font-family: 'Arial'"></span></span></p><p><span style="color: #000000"><span style="font-family: 'Arial'"> <ul> <li data-xf-list-type="ul"><span style="color: #000000"><span style="font-family: 'Arial'">1-3 years : 3.25% p.a. (with Bank Islam Will Writing, BancaTakaful products subscription or Bank Islam Card-i)</span></span></li> <li data-xf-list-type="ul"><span style="color: #000000"><span style="font-family: 'Arial'">1-3 years : 3.50% p.a.</span></span></li> <li data-xf-list-type="ul"><span style="color: #000000"><span style="font-family: 'Arial'">4-10 years : 4.99% p.a.</span></span></li> <li data-xf-list-type="ul"><span style="color: #000000"><span style="font-family: 'Arial'">11-15 years : 5.50% p.a.</span></span></li> </ul><p><u>Floating Rate (Base Financing Rate (BFR))</u></span></span></p><p><span style="color: #000000"><span style="font-family: 'Arial'"> <ul> <li data-xf-list-type="ul"><span style="color: #000000"><span style="font-family: 'Arial'">1-3 years : BFR - 2.10% p.a.</span></span></li> <li data-xf-list-type="ul"><span style="color: #000000"><span style="font-family: 'Arial'">4-10 years : BFR - 0.60% p.a.</span></span></li> <li data-xf-list-type="ul"><span style="color: #000000"><span style="font-family: 'Arial'">11-15 years : BFR + 0.25% p.a.</span></span></li> </ul><p>Note : Current BFR is 6.60% p.a.</span></span></p><p><span style="color: #000000"><span style="font-family: 'Arial'"></span></span></p><p> <span style="color: #000000"><span style="font-family: 'Arial'"></span></span></p><p><span style="color: #000000"><span style="font-family: 'Arial'"><strong>Eligibility</strong></span></span></p><p><span style="color: #000000"><span style="font-family: 'Arial'"> <ul> <li data-xf-list-type="ul"><span style="color: #000000"><span style="font-family: 'Arial'">Applicant must be 18 years and not exceeding the retirement age at the end of payment period</span></span></li> <li data-xf-list-type="ul"><span style="color: #000000"><span style="font-family: 'Arial'">Malaysian citizen</span></span></li> <li data-xf-list-type="ul"><span style="color: #000000"><span style="font-family: 'Arial'">Earning a minimum fixed income of RM2,000.00 per month</span></span></li> <li data-xf-list-type="ul"><span style="color: #000000"><span style="font-family: 'Arial'">Applicant must be a continued employee in any of the following:<ul> <li data-xf-list-type="ul">Government Sector</span></span></li> <li data-xf-list-type="ul"><span style="color: #000000"><span style="font-family: 'Arial'">Selected Public Listed Companies</span></span></li> <li data-xf-list-type="ul"><span style="color: #000000"><span style="font-family: 'Arial'">Subsidiaries of Government or Selected Public Listed Company</span></span></li> <li data-xf-list-type="ul"><span style="color: #000000"><span style="font-family: 'Arial'">Other Prominent Private Limited Companies as categorized under package companies listed by Bank Islam</span></span></li> </ul></li> <li data-xf-list-type="ul"><span style="color: #000000"><span style="font-family: 'Arial'">Debt Service Ratio (DSR) must not exceed 70% from the net salary after statutory deduction</span></span></li> </ul><p><strong>Takaful Coverage</strong></span></span></p><p><span style="color: #000000"><span style="font-family: 'Arial'"> <ul> <li data-xf-list-type="ul"><span style="color: #000000"><span style="font-family: 'Arial'">Personal Financing Takaful Plan</span></span></li> </ul><p><strong>Wakalah Fee</strong></span></span></p><p><span style="color: #000000"><span style="font-family: 'Arial'"> <ul> <li data-xf-list-type="ul"><span style="color: #000000"><span style="font-family: 'Arial'">RM50.00 - For being the customer's agent to sell commodity to the Broker</span></span></li> </ul><p><strong>Documents Required</strong> </span></span></p><p><span style="color: #000000"><span style="font-family: 'Arial'"> <ul> <li data-xf-list-type="ul"><span style="color: #000000"><span style="font-family: 'Arial'">A copy of identity card</span></span></li> <li data-xf-list-type="ul"><span style="color: #000000"><span style="font-family: 'Arial'">Latest 3 months' salary slip</span></span></li> <li data-xf-list-type="ul"><span style="color: #000000"><span style="font-family: 'Arial'">Latest employer's confirmation letter</span></span></li> </ul><p>And at least one (1) of these:</span></span></p><p><span style="color: #000000"><span style="font-family: 'Arial'"> <ul> <li data-xf-list-type="ul"><span style="color: #000000"><span style="font-family: 'Arial'">Latest income statement (Form B/eBE/ EA/EC)</span></span></li> <li data-xf-list-type="ul"><span style="color: #000000"><span style="font-family: 'Arial'">Latest 3 months Bank Statements of salary crediting account; or</span></span></li> <li data-xf-list-type="ul"><span style="color: #000000"><span style="font-family: 'Arial'">Any other latest supporting document such as EPF statement, if required</span></span></li> </ul><p><strong><em>Payment Method</em></strong></span></span></p><p><span style="color: #000000"><span style="font-family: 'Arial'"> <ul> <li data-xf-list-type="ul"><span style="color: #000000"><span style="font-family: 'Arial'">Salary Deduction</span></span></li> <li data-xf-list-type="ul"><span style="color: #000000"><span style="font-family: 'Arial'">Salary Transfer to Bank Islam with Auto-debit Instruction</span></span></li> </ul><p><strong>Benefits</strong></span></span></p><p><span style="color: #000000"><span style="font-family: 'Arial'"> <ul> <li data-xf-list-type="ul"><span style="color: #000000"><span style="font-family: 'Arial'">Competitive rate</span></span></li> <li data-xf-list-type="ul"><span style="color: #000000"><span style="font-family: 'Arial'">No hidden charges</span></span></li> <li data-xf-list-type="ul"><span style="color: #000000"><span style="font-family: 'Arial'">No guarantor is required</span></span></li> <li data-xf-list-type="ul"><span style="color: #000000"><span style="font-family: 'Arial'">No deposit</span></span></li> <li data-xf-list-type="ul"><span style="color: #000000"><span style="font-family: 'Arial'">No processing fee</span></span></li> <li data-xf-list-type="ul"><span style="color: #000000"><span style="font-family: 'Arial'">Flexible financing tenure</span></span></li> <li data-xf-list-type="ul"><span style="color: #000000"><span style="font-family: 'Arial'">Selling price – fixed and known</span></span></li> <li data-xf-list-type="ul"><span style="color: #000000"><span style="font-family: 'Arial'">Fast approval</span></span></li> </ul><p><strong>Product Disclosure Sheet</strong></span></span></p><p><span style="color: #000000"><span style="font-family: 'Arial'"> <ul> <li data-xf-list-type="ul"><span style="color: #000000"><span style="font-family: 'Arial'"><a href="http://www.bankislam.com.my/en/Documents/Consumer/PDS-PersonalFinancing-Sales.pdf" target="_blank">Personal Financing-i</a></span></span></li> </ul></p></blockquote><p></p>
[QUOTE="anaksarawak, post: 665502, member: 4851"] [COLOR=#000000][FONT=Arial] Personal loan from Bank Islam, so far the best rate I know of ...Good Luck [url]http://www.bankislam.com.my/en/Pages/Package.aspx?tabs=3&mlink=PersonalFinancing[/url] [B] Features[/B] [B]Financing Quantum[/B] [LIST] [*]Based on eligibility limit and subject to minimum amount of RM10,000 and maximum amount of RM200,000 [/LIST][B]Payment Period[/B] [LIST] [*]Maximum of 15 years (180 months) or up to the retirement age, whichever is earlier [/LIST][B]Financing Rate Offer[/B] [U]Flat Rate[/U] [LIST] [*]1-3 years : 3.25% p.a. (with Bank Islam Will Writing, BancaTakaful products subscription or Bank Islam Card-i) [*]1-3 years : 3.50% p.a. [*]4-10 years : 4.99% p.a. [*]11-15 years : 5.50% p.a. [/LIST] [U]Floating Rate (Base Financing Rate (BFR))[/U] [LIST] [*]1-3 years : BFR - 2.10% p.a. [*]4-10 years : BFR - 0.60% p.a. [*]11-15 years : BFR + 0.25% p.a. [/LIST]Note : Current BFR is 6.60% p.a. [B]Eligibility[/B] [LIST] [*]Applicant must be 18 years and not exceeding the retirement age at the end of payment period [*]Malaysian citizen [*]Earning a minimum fixed income of RM2,000.00 per month [*]Applicant must be a continued employee in any of the following: [LIST] [*]Government Sector [*]Selected Public Listed Companies [*]Subsidiaries of Government or Selected Public Listed Company [*]Other Prominent Private Limited Companies as categorized under package companies listed by Bank Islam [/LIST] [*]Debt Service Ratio (DSR) must not exceed 70% from the net salary after statutory deduction [/LIST][B]Takaful Coverage[/B] [LIST] [*]Personal Financing Takaful Plan [/LIST][B]Wakalah Fee[/B] [LIST] [*]RM50.00 - For being the customer's agent to sell commodity to the Broker [/LIST][B]Documents Required[/B] [LIST] [*]A copy of identity card [*]Latest 3 months' salary slip [*]Latest employer's confirmation letter [/LIST] And at least one (1) of these: [LIST] [*]Latest income statement (Form B/eBE/ EA/EC) [*]Latest 3 months Bank Statements of salary crediting account; or [*]Any other latest supporting document such as EPF statement, if required [/LIST][B][I]Payment Method[/I][/B] [LIST] [*]Salary Deduction [*]Salary Transfer to Bank Islam with Auto-debit Instruction [/LIST] [B]Benefits[/B] [LIST] [*]Competitive rate [*]No hidden charges [*]No guarantor is required [*]No deposit [*]No processing fee [*]Flexible financing tenure [*]Selling price – fixed and known [*]Fast approval [/LIST] [B]Product Disclosure Sheet[/B] [LIST] [*][URL="http://www.bankislam.com.my/en/Documents/Consumer/PDS-PersonalFinancing-Sales.pdf"]Personal Financing-i[/URL] [/LIST] [/FONT][/COLOR] [/QUOTE]
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Help Needed !! Loan for car aged more than 10 years old
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