Thursday, 2 August 2012

RHB Easy-Pinjaman Ekspres




Easy-Pinjaman Ekspres

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Easy-Pinjaman Ekspres - Personal Financing
Require access to funds urgently? Wait no longer. Bring along your MyKad and head to the nearest Easy branch to apply for a personal loan and obtain instant approvals and loan disbursement.
Unique features:
  • On-the-spot approval and disbursement
  • Flexible Personal Financing amounts from RM2,000 to RM50,000
  • Low monthly installment amount from less than RM60 per month
  • Flexible loan repayment tenure of up to 5 years (60 months)
Benefits:
  • Get the Easy Visa Debit Card with the approved loan
  • Convenient monthly repayment through standing instruction
*Terms & Conditions apply
View product disclosure sheet
Easy-Pinjaman Ekspres Repayment Schedule

Tenure (Month) / Loan Amount (RM)Loan Installment Amount
121824303642485460
2,000189.12133.40105.7489.3078.4770.8365.2060.9057.54
4,000378.24266.81211.48178.60156.93141.67130.41121.81115.07
6,000567.36400.21317.23267.90235.40212.50195.61182.71172.61
8,000756.48533.62422.97357.20313.86283.34260.81243.62230.14
10,000945.60667.02528.71446.50392.33354.17326.02304.52287.68
15,0001,396.71978.67770.78646.95565.13507.31464.49431.65405.80
20,0001,862.281,304.901,027.71862.60753.50676.41619.31575.53541.07
25,0002,327.841,631.121,284.641,078.24941.88845.51774.14719.42676.33
30,0002,793.411,957.351,541.571,293.891,130.251,014.62928.97863.30811.60
35,0003,258.982,283.571,798.501,509.541,318.631,183.721,083.801,007.19946.87
40,0003,724.552,609.802,055.431,725.191,507.001,352.821,238.631,151.071,082.13
45,0004,190.122,936.022,312.351,940.841,695.381,521.931,393.461,294.951,217.40
50,0004,655.693,262.252,569.282,156.491,883.751,691.031,548.281,438.841,352.67

CategoryLoan Amount CappingInterest Rate
from (p.a.)
MinimumMaximum
Tier 1RM2,000RM10,00013.38%*
Tier 2RM11,000RM50,00011.63%*
*The rates stated above are based on a flat rate and vary according to the repayment period from 12 months onwards.The actual rate charged however will be calculated on a monthly reducing balance rate. (effective interest rate or in short EIR).
Tier 1: from 13.38%p.a. flat that is equivalent to EIR 24% p.a.
Tier 2 from 11.63% p.a. flat that is equivalent to EIR 21% p.a.
The EIR rate may be higher if the monthly payment is not regular.
Documents Required
Document RequiredSalariedSelf-employedCommission
Earner
MNCsNON-MNCsGovt.
Copy of MyKad
(front and back)
Form 9, 24, 49 or
Business Registration
Certificate
    
Salary Slip or
Commission Statement

1 Month
θ
1 Month

1 Month
 
6 Months
Bank Statement
1 Month
θ
1 Month

1 Month

6 Months

6 Month
EPF Statement
6 Months

6 Months
   
Latest Form B/BE
(with validated receipt
of payment to LHDN)
   
  
Mandatory
Any of the documents listed combined with the mandatory documents
θCombination of the documents listed combined with mandatory documents
NOTE: Bank may require up to 6 months of income documents if the income comprise of variable components (Overtime, Allowances, Commission & etc).

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