Tuesday, 9 September 2014

Islamic vs konvensional





















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Pembiayaan Peribadi-i

Term
Description
Concept
Tawarruq
Features
  • Minimum Financing : 2 years
  • Maximum Financing : 10 Years
  • Financing Up to RM250,000*
  • Age up to 70 years old*
  • No Guarantor Required
  • No Processing Fee
  • No Hidden Charges
  • Debt Consolidations
*subject to terms and conditions
Selling price
Fixed and Known Upfront
Takaful Protection
Optional
Choices Mode of Payment
Salary Deduction / Salary Transfer / Standing Instruction
Wasiat/Will Writing
Highly encouraged
Structure of Product
Muamalat Personal Financing-i (Tawarruq) is a financing facility that is designed to provide cash financing to the customers for personal consumption/ use which does not contravene with the Shariah principles.
Generally, this product is based on Tawarruq as its underlying Shariah concept for provision of financing. The financing structure under the Tawarruq arrangement involves the combination of Wa’d Mulzim, Murabahah, Wakalah and Bai’ Wadhi’ah contracts.
Shariah Concepts
  • Tawarruq consists of two sale and purchase contracts where the first involves the sale of an asset by a seller to a purchaser on a deferred basis. Subsequently, the purchaser of the first sale will sell the same asset to a third party on a cash basis.
  • Murabahah refers to a sale and purchase of an asset where the acquisition cost and the mark-up are disclosed to the purchaser.
  • Wakalah means a contract in which a party (muwakkil) authorises another party as his agents (wakil) to perform a particular task, in matters that may be delegated, either voluntarily or with imposition of fee.
  • Wa’d refers to an expression of commitment given by one party to another to perform certain action(s) in the future.
  •  Bai’ Wadhi’ah is a sale contract whereby the asset / commodity is sold at lower price than the cost incurred by the Customer.

1) Pembiayaan Peribadi Pesara (3P)
erm
Description
Purpose
For personal use
Who Can Apply
  • Malaysia Armed Forces Pensioner
  •  All Government Pensioner
Tenure
Minimum: 3 years
Maximum: 10 years
Financing Amount
Minimum: RM 5,000.00
Maximum: RM 150,000.00
Profit Rate
Competitive Flat & Floating Rate
Mode of Payment
Pension with BMMB
Wasiat/Will - writing
Highly encouraged
Takaful
Optional
Documents Required
  • Copy of NRIC (front and back)
  • Copy of Pension Card
  • Pension Ledger / Statement
  • BMMB Saving Passbook
Applicants Eligibility
  • Repayment Capacity
    -     Determine by NDI & DSR
  • Pension
    - Pension credited with BMMB and paid by JHEV for Armed Forces   
    - Pension credited with BMMB under Scheme A and paid by JPA
JADUAL PEMBAYARAN PEMBIAYAAN PERIBADI-i PESARA
untuk PESARA TENTERA & KAKITANGAN KERAJAAN
KADAR KEUNTUNGAN: 5:50% (TETAP)
JUMLAH PEMBIYAAN (RM)
1 TAHUN
2 TAHUN
3 TAHUN
4 TAHUN
5 TAHUN
6 TAHUN
7 TAHUN
8 TAHUN
9 TAHUN
10 TAHUN
10,000
874.56
456.89
318.04
248.90
207.63
180.31
160.94
146.55
135.48
126.73
15,000
1,311.84
685.34
477.07
373.35
311.45
270.46
241.41
219.83
203.22
190.09
20,000
1,749.12
913.79
636.09
497.80
415.26
360.61
321.88
293.11
270.96
253.46
25,000
2,186.40
1,142.23
795.11
622.24
519.08
450.76
402.35
366.71
338.71
316.82
30,000
2,623.68
1,370.68
954.13
746.69
622.90
540.92
482.82
439.66
406.45
380.19
35,000
3,060.96
1,599.13
1,113.15
871.14
726.71
631.07
563.30
512.94
474.19
443.55
40,000
3,498.24
1,827.57
1,272.18
995.59
830.53
721.22
643.77
586.22
541.93
506.92
45,000
3,935.53
2,056.02
1,431.20
1,120.04
934.34
811.37
724.24
659.49
609.67
570.28
50,000
4,372.81
2,284.47
1,590.22
1,244.49
1,038.16
901.53
804.71
732.77
677.41
633.65
55,000
4,810.09
2,512.91
1,749.24
1,368.94
1,141.98
991.68
885.18
806.05
745.15
697.01
60,000
5,247.37
2,741.36
1,908.26
1,493.39
1,245.79
1,081.83
965.65
879.32
812.89
760.38
65,000
5,684.65
2,969.81
2,067.29
1,617.84
1,349.61
1,171.98
1,046.12
952.60
880.63
823.74
70,000
6,121.93
3,198.25
2,226.31
1,742.29
1,453.42
1,262.14
1,126.59
1025.88
948.37
887.11
75,000
6,559.21
3,426.70
2,385.33
1,866.73
1,557.24
1,352.29
1,207.06
1099.15
1016.12
950.47
80,000
6,996.49
3,655.15
2,544.35
1,991.18
1,661.06
1,442.44
1,287.53
1172.43
1083.86
1013.84
85,000
7,433.77
3,883.59
2,703.37
2,115.63
1,764.87
1,532.59
1,368.00
1245.71
1151.60
1077.20
90,000
7,871.05
4,112.04
2,862.39
2,240.08
1,868.69
1,622.75
1,448.47
1318.99
1219.34
1140.57
95,000
8,308.33
4,340.49
3,021.42
2,364.53
1,972.50
1,712.90
1,528.94
1392.26
1287.08
1203.93
100,000
8,745.61
4,568.93
3,180.44
2,488.98
2,076.32
1,803.05
1,609.42
1465.54
1354.82
1267.30
105,000
9,182.89
4,797.38
3,339.46
2,613.43
2,180.14
1,893.20
1,689.89
1538.82
1422.56
1330.66
110,000
9,620.17
5,025.83
3,498.48
2,737.88
2,283.95
1,983.36
1,770.36
1612.09
1490.30
1394.03
115,000
10,057.45
5,254.27
3,657.50
2,862.33
2,387.77
2,073.51
1,850.83
1685.37
1558.04
1457.39
120,000
10,494.73
5,482.72
3,816.53
2,986.77
2,491.59
2,163.66
1,931.30
1758.65
1625.79
1520.76
125,000
10,932.01
5,711.17
3,975.55
3,111.22
2,595.40
2,253.81
2,011.77
1831.92
1693.53
1584.12
130,000
1,369.29
5,939.61
4,134.57
3,235.67
2,699.22
2,343.97
2,092.24
1905.20
1761.27
1647.49
135,000
11,806.58
6,168.06
4,293.59
3,360.12
2,803.03
2,434.12
2,172.71
1978.48
1829.01
1710.85
140,000
12,243.86
6,396.51
4,452.61
3,484.57
2,906.85
2,524.27
2,253.18
2051.75
1896.75
1774.22
145,000
12,681.14
6,624.95
4,611.64
3,609.02
3,010.67
2,614.42
2,333.65
2125.03
1964.49
1837.58
150,000
13,118.42
6,853.40
4,770.66
3,733.47
3,114.48
2,704.58
2,414.12
2198.31
2032.23
1900.95
* Sebarang perubahan pembayaran balik pembiayaan tertakluk kepada terma & syarat.

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