1. Moratorium Credit Loan
   1. Sample loan size
      1. RM 100,000.00
   2. Tenure
      1. 1 year only
      2. Moratorium Term
         1. 3 Months
            1. Extend 3 + 3 month [Maximum 9 months]
   3. Interest Rate
      1. 18% p.a.
         1. Flat Rate
            1. During moratorium period
            2. Calculation
            3. RM 1,500.00
            4. RM 100,000 x 1.5% = RM 1,500.00
            5. Loan Size x 1.5% monthly interest
         2. Rule78
            1. After moratorium period
            2. Calculation
            3. RM 2,769.23
            4. ((RM 100,000 x 18%) / 78 ) x 12 = RM 2,769.23
            5. ((Loan Size x 18% annual interest) / Accumulated period from 1 to 12 which total sum as 78 for 1 years x Reverse month from 12 to 1 which 1st month as "12"
            6. Sample
   4. Instalment
      1. Moratorium Instalment
         1. Calculation
            1. RM 1,500.00
            2. RM 100,000 x 1.5% = RM 1,500.00
            3. Loan Size x 1.5% monthly interest
         2. Only during moratorium pervious
      2. Standard Instalment
         1. Calculation
            1. RM 9,833.33
            2. ((RM 100,000 x 18% x 1 ) + RM 100,000) / 12 = RM 9,833.33
            3. ((Loan Size x 18% interest per annual x 1 years ) + Loan Size) / 12 months
         2. After end of moratorium only activate
   5. Late Charges
      1. 8% p.a.
         1. Moratorium Calculation
            1. Based on outstanding instalment
            2. Calculation
            3. RM 333.70
            4. (( (RM 1,500 + RM 100,000) x 8%) / 365 ) x 15 days = RM 333.70
            5. ((Overdue instalment x 8% annual late charges) / Total days per years ) x number of days overdue
            6. Sample
         2. After 2 month continuous default payment Calculation
            1. Based on outstanding interest + late charge + principal balance
            2. Calculation
            3. RM 44.39
            4. ((RM 9,833.33 + RM 3,000.00 + RM 667.40) x 8%) / 365 ) x 15 days = RM 44.39
            5. ((Total overdue instalment + Total overdue interest + Total overdue late Charges ) x 8% annual late charges) / Total days per years ) x number of days overdue
            6. Sample
   6. Stamp Duty Fees
      1. 0.5% on loan size
      2. Calculation
         1. RM 500.00
         2. RM 100,000 x 0.5% = RM 500
         3. Round up per thousand loan size x 0.5% stamp duty fees
         4. If loan size at 99.8k to round up as 100k
   7. Admin fees
      1. 10% on loan size + 6% SST
      2. Calculation
         1. RM 10,600.00
         2. ((RM 100,000 x 10%) x 6% ) + (RM 100,000 x 10%) = RM 10,600.00
         3. ((Loan Size x 10% Admin fees) x 6% SST ) + (Loan Size x 10% Admin fees)
   8. Advance Instalment
      1. RM 9,833.33
      2. 1 month Standard instalment
      3. Withhold as final instalment
   9. Legal Fees
      1. RM 1,000 + 6% SST
      2. Calculation
         1. ( RM 1,000 x 6% ) + RM 1,000 = RM 1,060
         2. ( Standard RM1,000 per application x 6% SST ) + Standard RM1,000 per application
2. Bad Debt Loan
   1. Sample loan size
      1. RM 100,000.00
   2. Objective
      1. Sell debt after that
      2. Under back end system only
      3. Open Nego on Discount
         1. Proposal
            1. Nego discount table
         2. Sample
      4. Option to convert into < SPECIAL RESTRUCTURE LOAN >
   3. Standard 5 years Term
   4. Interest Rate
      1. 18% p.a.
      2. INVINITY BAD DEBT FORMULA (Proposal)
      3. Calculation
         1. RM 2,950.82
         2. ((RM 100,000 x 18% x 5) / 1,830 ) x 60 = RM 2,950.82
         3. ((Loan Size x 18% annual interest x 5 years) / Accumulated period from 1 to 60 which total sum as 1,830 for 5 years x Reverse month from 60 to 1 which 1st month as "60"
         4. Sample
   5. Standard Instalment
      1. Calculation
         1. RM 3,166.67
         2. ((RM 100,000 x 18% x 5 ) + RM 100,000) / 60 = RM 3,166.67
         3. ((Loan Size x 18% interest per annual x 5 years ) + Loan Size) / 60 months
   6. Late Charges
      1. 8% p.a.
      2. Based on total outstanding balance
      3. Calculation
         1. RM 333.70
         2. (( (RM 1,500 + RM 100,000) x 8%) / 365 ) x 15 days = RM 333.70
         3. ((Overdue instalment x 8% annual late charges) / Total days per years ) x number of days overdue
         4. Sample
   7. No Stamp Duty Fees
   8. No Admin fees
   9. No Advance Instalment
   10. No Legal Fees
3. HCK Credit Loan
   1. Sample loan size
      1. RM 50,000.00
   2. Loan Size
      1. Low Risk
         1. RM 5,000 - RM 30,000
      2. Medium Risk
         1. RM 31,000 - RM 50,000
      3. High Risk
         1. RM 50,000 - RM 70,000
   3. Tenure
      1. 1 to 5 year
      2. Depend credit approval
   4. Interest Rate
      1. Risk Based Interest
         1. Low Risk
            1. 18% p.a.
            2. Continuous default payment no more than 59 days
            3. Rebate 6% p.a.
            4. Final at 12% p.a.
            5. Hit 60 days and above continuous default payment
            6. 18% p.a.
         2. Medium Risk
            1. 18% p.a.
            2. Continuous default payment no more than 59 days
            3. Rebate 3% p.a.
            4. Final at 15% p.a.
            5. Hit 60 days and above continuous default payment
            6. 18% p.a.
         3. High Risk
            1. 18% p.a.
      2. Rule78
      3. Calculation
         1. RM 1,384.62
         2. ((RM 50,000 x 18%) / 78 ) x 12 = RM 1,384.62
         3. ((Loan Size x 18% annual interest) / Accumulated period from 1 to 12 which total sum as 78 for 1 years x Reverse month from 12 to 1 which 1st month as "12"
         4. Sample
   5. Standard Instalment
      1. Calculation
         1. RM 4,916.67
         2. ((RM 50,000 x 18% x 1 ) + RM 100,000) / 12 = RM 4,916.67
         3. ((Loan Size x 18% interest per annual x 1 years ) + Loan Size) / 12 months
   6. Late Charges
      1. 8% p.a.
      2. Based on outstanding instalment
      3. Calculation
         1. RM 32.33
         2. ((RM 9,833.33 x 8%) / 365 ) x 15 days = RM 32.33
         3. ((Overdue instalment x 8% annual late charges) / Total days per years ) x number of days overdue
         4. Sample
   7. Stamp Duty Fees
      1. 0.5% on loan size
      2. Calculation
         1. RM 250.00
         2. RM 50,000 x 0.5% = RM 250
         3. Round up per thousand loan size x 0.5% stamp duty fees
         4. If loan size at 49.8k to round up as 50k
   8. Admin fees
      1. Borrower
         1. No admin fees
      2. HCK
         1. Low Risk
            1. RM 3,000
         2. Medium Risk
            1. RM 40,000
         3. High Risk
            1. RM 5,000
   9. Advance Instalment
      1. RM 1,384.62
      2. Guideline of withholding Table
      3. Withhold at Ending month instalment
   10. Legal Fees
       1. RM 1,000 + 6% SST
       2. Calculation
          1. ( RM 1,000 x 6% ) + RM 1,000 = RM 1,060
          2. ( Standard RM1,000 per application x 6% SST ) + Standard RM1,000 per application
4. Restructure Credit Loan
   1. Standard Restructure credit loan
      1. Sample loan size
         1. RM 100,000.00
      2. Tenure
         1. 1 to 5 year
         2. Depend credit approval
      3. Interest Rate
         1. 18% p.a.
         2. Rule78
         3. Calculation
            1. RM 2,769.23
            2. ((RM 100,000 x 18%) / 78 ) x 12 = RM 2,769.23
            3. ((Loan Size x 18% annual interest) / Accumulated period from 1 to 12 which total sum as 78 for 1 years x Reverse month from 12 to 1 which 1st month as "12"
            4. Sample
      4. Standard Instalment
         1. Calculation
            1. RM 9,833.33
            2. ((RM 100,000 x 18% x 1 ) + RM 100,000) / 12 = RM 9,833.33
            3. ((Loan Size x 18% interest per annual x 1 years ) + Loan Size) / 12 months
      5. Late Charges
         1. 8% p.a.
         2. Based on outstanding instalment
         3. Calculation
            1. RM 32.33
            2. ((RM 9,833.33 x 8%) / 365 ) x 15 days = RM 32.33
            3. ((Overdue instalment x 8% annual late charges) / Total days per years ) x number of days overdue
            4. Sample
      6. Stamp Duty Fees
         1. 0.5% on loan size
         2. Calculation
            1. RM 500.00
            2. RM 100,000 x 0.5% = RM 500
            3. Round up per thousand loan size x 0.5% stamp duty fees
            4. If loan size at 99.8k to round up as 100k
      7. No Admin fees
      8. No Advance Instalment
      9. Legal Fees
         1. RM 1,000 + 6% SST
         2. Calculation
            1. ( RM 1,000 x 6% ) + RM 1,000 = RM 1,060
            2. ( Standard RM1,000 per application x 6% SST ) + Standard RM1,000 per application
   2. Special restructure credit loan
      1. Sample loan size
         1. RM 100,000.00
      2. Tenure
         1. 1 to 5 year
         2. Depend credit approval
      3. Interest Rate
         1. 18% p.a.
         2. Rule78 + AKPK Concept
         3. Calculation
            1. RM 2,769.23
            2. ((RM 100,000 x 18%) / 78 ) x 12 = RM 2,769.23
            3. ((Loan Size x 18% annual interest) / Accumulated period from 1 to 12 which total sum as 78 for 1 years x Reverse month from 12 to 1 which 1st month as "12"
            4. Sample
      4. Flexi Instalment
         1. Subject Based on Calculator
         2. Calculation
            1. Sample
            2. 1st year - 1st year agreed instalment flexible's adjust lower percentage on original instalment
            3. 2nd year - 1st year agreed instalment x adjustable increase percentage on instalment
            4. 3rd year - 2nd year agreed instalment x adjustable increase percentage on instalment
            5. 4th year - 3rd year agreed instalment x adjustable increase percentage on instalment
            6. 5th year - 4th year agreed instalment x adjustable increase percentage on instalment
            7. Final installment - Balance of total overdue balance
            8. ((Loan Size x 18% interest per annual x 1 years ) + Loan Size) / 12 months
         3. Excel calculator
            1. Credit Loan - Special Restructure Plan.xlsx
      5. Late Charges
         1. 8% p.a.
         2. Based on outstanding instalment
         3. Calculation
            1. RM 32.33
            2. ((RM 9,833.33 x 8%) / 365 ) x 15 days = RM 32.33
            3. ((Overdue instalment x 8% annual late charges) / Total days per years ) x number of days overdue
            4. Sample
      6. Stamp Duty Fees
         1. 0.5% on loan size
         2. Calculation
            1. RM 500.00
            2. RM 100,000 x 0.5% = RM 500
            3. Round up per thousand loan size x 0.5% stamp duty fees
            4. If loan size at 99.8k to round up as 100k
      7. No Admin fees
      8. No Advance Instalment
      9. Legal Fees
         1. RM 1,000 + 6% SST
         2. Calculation
            1. ( RM 1,000 x 6% ) + RM 1,000 = RM 1,060
            2. ( Standard RM1,000 per application x 6% SST ) + Standard RM1,000 per application
5. Solicitor Credit Loan
   1. Sample loan size
      1. RM 100,000.00
   2. Tenure
      1. 1 to 5 year
      2. Depend credit approval
   3. Interest Rate
      1. 18% p.a.
      2. Rule78
      3. Calculation
         1. RM 2,769.23
         2. ((RM 100,000 x 18%) / 78 ) x 12 = RM 2,769.23
         3. ((Loan Size x 18% annual interest) / Accumulated period from 1 to 12 which total sum as 78 for 1 years x Reverse month from 12 to 1 which 1st month as "12"
         4. Sample
   4. Standard Instalment
      1. Calculation
         1. RM 9,833.33
         2. ((RM 100,000 x 18% x 1 ) + RM 100,000) / 12 = RM 9,833.33
         3. ((Loan Size x 18% interest per annual x 1 years ) + Loan Size) / 12 months
   5. Late Charges
      1. 8% p.a.
      2. Based on outstanding instalment
      3. Calculation
         1. RM 32.33
         2. ((RM 9,833.33 x 8%) / 365 ) x 15 days = RM 32.33
         3. ((Overdue instalment x 8% annual late charges) / Total days per years ) x number of days overdue
         4. Sample
   6. Stamp Duty Fees
      1. 0.5% on loan size
      2. Calculation
         1. RM 500.00
         2. RM 100,000 x 0.5% = RM 500
         3. Round up per thousand loan size x 0.5% stamp duty fees
         4. If loan size at 99.8k to round up as 100k
   7. Admin fees
      1. With bundle insurance
         1. 6% on loan size + 6% SST
         2. Calculation
            1. RM 6,360.00
            2. ((RM 100,000 x 6%) x 6% ) + (RM 100,000 x 6%) = RM 6,360.00
            3. ((Loan Size x 6% Admin fees) x 6% SST ) + (Loan Size x 6% Admin fees)
      2. Without bundle insurance
         1. 10% on loan size + 6% SST
         2. ((RM 100,000 x 10%) x 6% ) + (RM 100,000 x 10%) = RM 10,600.00
         3. ((Loan Size x 10% Admin fees) x 6% SST ) + (Loan Size x 10% Admin fees)
   8. Advance Instalment
      1. RM 9,833.33
      2. Guideline of withholding Table
      3. Withhold at beginning instalment
   9. Legal Fees
      1. RM 1,000 + 6% SST
      2. Calculation
         1. ( RM 1,000 x 6% ) + RM 1,000 = RM 1,060
         2. ( Standard RM1,000 per application x 6% SST ) + Standard RM1,000 per application
   10. Premium
       1. Sun Prime link (Medication check up requirement)
          1. 1% on Housing loan bank approved loan size
          2. 3 years premium
             1. Min acceptance 2 years premium
          3. Calculation
             1. Sample of 500K loan size approved
             2. RM 15,000.00
             3. (RM 500,000 x 1%) x 3 = RM 15,000
             4. (Housing approved loan amount x 1% standard rate ) x 3 years
       2. Sun Wira (No medication check up requirement)
          1. Max housing protection cover - 200K
          2. 3 years premium
             1. Min acceptance 2 years premium
          3. Calculation
             1. RM 5,400.00
             2. RM 1,800 x 3 = RM 5,400
             3. Standard premium rate annually at RM1,800 x 3 years
       3. Standard Sunlife Insurance (No medication check up requirement)
          1. 13th premium - RM 150 Monthly
          2. One time premium cover for 5 years (Max 50K protection)
          3. Calculation
             1. RM 1,950.00
             2. RM 150 x 13 = RM 1,950
             3. Monthly premium (Standard rate at RM150) x 13th month
          4. Apply to normal credit loan without housing loan application
6. Short-Term Credit Loan
   1. Sample loan size
      1. RM 100,000.00
      2. Depend on < multiple purpose form > approval
      3. Objective for saving built up purpose
   2. Tenure
      1. 3 months only
      2. Depend credit approval
   3. Interest Rate
      1. 18% p.a.
         1. Final at 4.5%
         2. 1.5% x 3 months
      2. Conditions
         1. If loan approved
            1. One off charges
         2. If loan failed
            1. Waiver allowed
      3. Calculation
         1. RM 4,500
         2. RM 100,000 x 4.5% = RM 4,500.00
         3. Loan Size x one off interest at 4.5%
   4. Instalment
      1. System
         1. No instalment
      2. Legal Docs
         1. 3 Month instalment only
         2. Calculation
            1. RM 34,833.33
            2. ((RM 100,000 x 4.5%) + RM100,000 ) / 3 = RM 34,833.33
            3. ((Loan Size x one off interest at 4.5%) + Loan Size ) / 3 months
   5. No Late Charges
      1. Turn into restructure loan
   6. No Stamp Duty Fees
   7. No Admin fees
   8. No Advance Instalment
   9. No Legal Fees
7. Factory Credit Loan
   1. Sample loan size
      1. RM 100,000.00
      2. Subject KOHATA request and Top management approval only
      3. Depend on cash back invoice from KOHATA
   2. Tenure
      1. 6 months
         1. Can extend 3 months
         2. Extend approval needed
   3. Interest Rate
      1. 18% p.a.
         1. Final at 9%
         2. 1.5% x 6 months
      2. Calculation
         1. RM 4,500
         2. RM 100,000 x 9% = RM 9,000.00
         3. Loan Size x one off interest at 9%
   4. Instalment
      1. System
         1. Current
            1. 1 years term instalment
            2. Calculation
            3. RM 9,833.33
            4. ((RM 100,000 x 18% x 1 ) + RM 100,000) / 12 = RM 9,833.33
            5. ((Loan Size x 18% interest per annual x 1 years ) + Loan Size) / 12 months
         2. Proposal
            1. No instalment
      2. Legal Docs
         1. 12 month instalment
         2. Calculation
            1. RM 9,833.33
            2. ((RM 100,000 x 18% x 1 ) + RM 100,000) / 12 = RM 9,833.33
            3. ((Loan Size x 18% interest per annual x 1 years ) + Loan Size) / 12 months
   5. No Late Charges
      1. Turn into restructure loan
   6. No Stamp Duty Fees
   7. No Admin fees
   8. No Advance Instalment
   9. No Legal Fees
8. Insurance Bundle Credit Loan
   1. Sample loan size
      1. RM 100,000.00
   2. Tenure
      1. 1 to 5 year
      2. Depend credit approval
   3. Interest Rate
      1. 18% p.a.
      2. Rule78
      3. Calculation
         1. RM 2,769.23
         2. ((RM 100,000 x 18%) / 78 ) x 12 = RM 2,769.23
         3. ((Loan Size x 18% annual interest) / Accumulated period from 1 to 12 which total sum as 78 for 1 years x Reverse month from 12 to 1 which 1st month as "12"
         4. Sample
   4. Standard Instalment
      1. Calculation
         1. RM 9,833.33
         2. ((RM 100,000 x 18% x 1 ) + RM 100,000) / 12 = RM 9,833.33
         3. ((Loan Size x 18% interest per annual x 1 years ) + Loan Size) / 12 months
   5. Late Charges
      1. 8% p.a.
      2. Based on outstanding instalment
      3. Calculation
         1. RM 32.33
         2. ((RM 9,833.33 x 8%) / 365 ) x 15 days = RM 32.33
         3. ((Overdue instalment x 8% annual late charges) / Total days per years ) x number of days overdue
         4. Sample
   6. Stamp Duty Fees
      1. 0.5% on loan size
      2. Calculation
         1. RM 500.00
         2. RM 100,000 x 0.5% = RM 500
         3. Round up per thousand loan size x 0.5% stamp duty fees
         4. If loan size at 99.8k to round up as 100k
   7. Admin fees
      1. 8% on loan size + 6% SST
      2. Calculation
         1. RM 8,480.00
         2. ((RM 100,000 x 8%) x 6% ) + (RM 100,000 x 8%) = RM 8,480.00
         3. ((Loan Size x 8% Admin fees) x 6% SST ) + (Loan Size x 8% Admin fees)
   8. No Advance Instalment
   9. Legal Fees
      1. RM 1,000 + 6% SST
      2. Calculation
         1. ( RM 1,000 x 6% ) + RM 1,000 = RM 1,060
         2. ( Standard RM1,000 per application x 6% SST ) + Standard RM1,000 per application
   10. Premium
       1. Sun Prime link (Medication check up requirement)
          1. 1% on Housing loan bank approved loan size
          2. 3 years premium
             1. Min acceptance 2 years premium
          3. Calculation
             1. Sample of 500K loan size approved
             2. RM 15,000.00
             3. (RM 500,000 x 1%) x 3 = RM 15,000
             4. (Housing approved loan amount x 1% standard rate ) x 3 years
       2. Sun Wira (No medication check up requirement)
          1. Max housing protection cover - 200K
          2. 3 years premium
             1. Min acceptance 2 years premium
          3. Calculation
             1. RM 5,400.00
             2. RM 1,800 x 3 = RM 5,400
             3. Standard premium rate annually at RM1,800 x 3 years
       3. Standard Sunlife Insurance (No medication check up requirement)
          1. 13th premium - RM 150 Monthly
          2. One time premium cover for 5 years (Max 50K protection)
          3. Calculation
             1. RM 1,950.00
             2. RM 150 x 13 = RM 1,950
             3. Monthly premium (Standard rate at RM150) x 13th month
          4. Apply to normal credit loan without housing loan application
9. Standard Credit Loan
   1. Sample loan size
      1. RM 100,000.00
   2. Tenure
      1. 1 to 5 year
      2. Depend credit approval
   3. Interest Rate
      1. 18% p.a.
      2. Rule78
      3. Calculation
         1. RM 2,769.23
         2. ((RM 100,000 x 18%) / 78 ) x 12 = RM 2,769.23
         3. ((Loan Size x 18% annual interest) / Accumulated period from 1 to 12 which total sum as 78 for 1 years x Reverse month from 12 to 1 which 1st month as "12"
         4. Sample
   4. Standard Instalment
      1. Calculation
         1. RM 9,833.33
         2. ((RM 100,000 x 18% x 1 ) + RM 100,000) / 12 = RM 9,833.33
         3. ((Loan Size x 18% interest per annual x 1 years ) + Loan Size) / 12 months
   5. Late Charges
      1. 8% p.a.
      2. Based on outstanding instalment
      3. Calculation
         1. RM 32.33
         2. ((RM 9,833.33 x 8%) / 365 ) x 15 days = RM 32.33
         3. ((Overdue instalment x 8% annual late charges) / Total days per years ) x number of days overdue
         4. Sample
   6. Stamp Duty Fees
      1. 0.5% on loan size
      2. Calculation
         1. RM 500.00
         2. RM 100,000 x 0.5% = RM 500
         3. Round up per thousand loan size x 0.5% stamp duty fees
         4. If loan size at 99.8k to round up as 100k
   7. Admin fees
      1. 10% on loan size + 6% SST
      2. Calculation
         1. RM 10,600.00
         2. ((RM 100,000 x 10%) x 6% ) + (RM 100,000 x 10%) = RM 10,600.00
         3. ((Loan Size x 10% Admin fees) x 6% SST ) + (Loan Size x 10% Admin fees)
   8. Advance Instalment
      1. RM 9,833.33
      2. Guideline of withholding Table
      3. Withhold at Ending month instalment
   9. Legal Fees
      1. RM 1,000 + 6% SST
      2. Calculation
         1. ( RM 1,000 x 6% ) + RM 1,000 = RM 1,060
         2. ( Standard RM1,000 per application x 6% SST ) + Standard RM1,000 per application