Personal Financing-I Packages

2012.

PRODUCT FEATURES

FINANCING AMOUNT
Min : RM 50,000.00 Max : RM 200,000.00

FINANCING TENURE
Min : 5 years
Max : 20 years

MBSB XCHANGE-i
PROFIT RATES
Option 1
Product Bundling with Banca Takaful:

Option 2
Without Product Bundling:

4.50% fixed rate

4.30% fixed rate

MBSB XCHANGE-i
ELIGIBILITY CRITERIA
At least 19 years old and not exceeding 60 years upon expiry of facility or

opted retirement age whichever comes first; and

Malaysian Citizen; Permanent and confirmed employee; and

Minimum salary RM 700.00 inclusive of fixed allowance ; and

Total deduction inclusive of MBSBs installment not to exceed 60% from

gross salary ; and

Open to Government (AG-Green Pay slip and Non-AG) and Non-

Government employees.

MBSB XCHANGE-i
ZERO ENTRY COST(ZEC)
The followings will be absorbed by MBSB: Stamp Duty ; and

Takaful contribution-GCTT; and

Charges on Redemption Statement (RS) imposed by other banks-RM50.00

per RS; up to 5 RS per application (reimbursement basis)

Important: Redemption Statement must reflect a rebate amount from existing financier

GUARANTOR REQUIREMENT
WAIVED

REPAYMENT METHOD:
AG SALARY DEDUCTION; BIRO ANGKASA SALARY DEDUCTION; EMPLOYER SALARY DEDUCTION.
Note: Employer Salary deduction are limited to GLC,SGLC and selected companies approved by HOD-RBD/PFI

SECURITY DEPOSIT
ONE (1) MONTH INSTALMENT

PROCESSING FEE 2.0% FROM FINANCING AMOUNT

STAMP DUTY
0.5% OF FINANCING AMOUNT

MBSB XCHANGE-i
EARLY SETTLEMENT
Lock in period : 5 years ; and Early settlement Fee : 5.0% from Outstanding balance;

and
To claw back all cost incurred under Zero Entry Cost (ZEC).

MBSB XCHANGE-i
TAKAFUL COVERAGE (GCTT)
Compulsory with details of coverage based on the followings :
Full financing amount; and Full tenure coverage if financing is less than 10 years; or Maximum 10 years coverage if financing is 10 years and above
Note: MBSB will undertake to pay any shortfall in the event of

insufficient coverage during claim

CREDIT CHECKING
NO ADVERSE REMARKS ON CREDIT CHECKING

MBSB XCHANGE-i
OTHERS
A member of TemanKu MBSB PFI Club ; and/or

Account holder for Al-Wadiah TK Saving Account ;

and/or ARB Will Writing package.

PACKAGE VALIDITY
FROM 1ST JANUARY 2012- 31 DECEMBER 2012

EARLY BIRD PROMOTION

3.99%
from 1/1/2012 until 31/3/2012
or

upon achieving RM1.0 Billion in disbursement amount

PRODUCT FEATURES

FINANCING AMOUNT
Min. RM 3,000 Max. RM 250,000
Note: Maximum financing amount for Non-Biro is up to RM200,000.

FINANCING TENURE
Min 5 yrs Max 20 yrs

FINANCING TENURE
Option 1- With Product Bundling Option 2- Without Product Bundling

4.99 %
Fixed Rate

5.20 %
Fixed Rate

ELIGIBILITY CRITERIA
At least 19 yrs old & not exceeding 60 yrs upon expiry of facility or

opted retirement age whichever comes first; and

Malaysian Citizen; Permanent & confirmed employee; and Minimum salary RM 700.00 inclusive of fixed allowance; and Total deduction inclusive of MBSB installment not to exceed 65%

from the gross salary; and

Open to government and non government employees.

GUARANTOR REQUIREMENT
WAIVED

REPAYMENT METHOD
AG Salary Deduction;
Biro Angkasa Salary Deduction Employer Salary deduction
Note: Employer Salary deductions are limited to GLC, SGLC & selected companies approved by HOD- RBD/PFI

SECURITY DEPOSIT
Nil

STAMP DUTY
0.5% from financing amount

PROCESSING FEE
3.0 % from financing amount

EARLY SETTLEMENT
Lock in period : 5 yrs; and Early settlement penalty: 5.0% from

Outstanding Balance.

TAKAFUL COVERAGE (GCTT)

Compulsory:
Full financing amount; and
Full financing tenure.

CREDIT CHECKING
No adverse remarks on credit checking

OTHERS
A member of TemanKu MBSB PFI Club; and/or Account holder for Al-Wadiah TK Saving

Account; and/or
ARB Will Writing package

PACKAGE VALIDITY
From1 January 2012, Until 31 December 2012