BUILDING LOAN / COLLATERAL LOAN CONDITIONS & REGULATIONS
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- Gwendoline Garrett
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1 BUILDING LOAN / COLLATERAL LOAN CONDITIONS & REGULATIONS General Requirements / Information 1. All relevant questions in the application should be completed in full, no aspect of application form should be left blank. 2. The application form should be duly signed and should be forwarded with :- Photocopy of Identity Card (applicant and any other co-owner) Document to show proof of Income (e.g. Salary Slip)and the latest EA Form Photocopy of the Issue Document of the Title Latest Income Tax Form and payment receipt (for Borrower and Spouse) Sales and Purchase agreement Letter of consent to change the property if applicant is not the sole owner / if the property is a joint property Photocopy of Quit Rent (Cukai Tanah) and Assessment Rent (Cukai Taksiran) Central Credit Reference Information System (CCRIS) Report from Bank Negara Malaysia must be obtained by the applicant Processing Fee of RM Any member whom wishes to redeem the property from any financial institution should provide the redemption statement. 4. All legal fees to be paid direct to the solicitor. 5. Fire Insurance in the joint name of the Koperasi & the borrower for the replacement value has to be taken from the Koperasi s Insurer. Payments for this premium could be included into the loan sum. There is no restriction if the member wishes to take additional policies. 6. Repayment should be regular and consistent in the quantum. 7. The property would be appraised by a JCS appointed appraiser. The Board of Management may exempt the appraisal in a location where the value can be ascertained. The appraiser s fees will have to be paid directly to the appraise by the applicant. 8. The original title would be charged to JCS and retained by JCS. 9. Once the initial cheque is released to the solicitor, the repayment of the loan commences immediately and the onus of repayment lies with the borrower. 10. The onus of paying the quit rent and assessment lies with the borrower. A copy of the quit rent receipt must be extended to CJS every year during the tenure of the loan. 11. The option of life mortgage insurance policy lies with the borrower. JCS may be in a position to help to take out such a policy if requested. 12. No second charge is applicable on the property unless the first charge is with JCS. 13. The applicant should be a member of JCS for at least 6 months.
2 Requirements Specific to Building Loan 1. A member is only eligible for this loan twice, however, A member who has obtained a loan to purchase a piece of land may subsequently be given a loan to erect a building on the land. If there is an increase in the quantum of loan as a result of a change in the regulation, a member may apply for the difference only once, provided that the original loan remains outstanding and the security provided remains un-discharged. 2. The purchase must be from any other party other than his / her spouse. 3. The maximum loan which shall be granted is RM 300, (one applicant), and in the case of a joint application is RM 500, (two applicants or more) or 90% of the value of the property whichever is lower with MRTA (Mortgage Reducing Term Assurance) to each member. Any amount granted under RM 200,000.00, only 80% of the value of the property, whichever is lower. 4. The maximum repayment period of the loan shall be 25 years, or the member attaining the age of 65, whichever is lower. 5. The interest rate is currently 5.5% per annum based on monthly rest. The member can have the option to pay interest only for the first 3 years. 6. For a loan settled or transferred within 3 years from the date of granting the loan, a penalty of 2.5% of the outstanding capital sum will be levied. Requirements Specific to Collateral Loan 1. The quantum of loan shall not exceed 80% of the value of the property or RM 100,000 (single), RM 200,000 (joint) whichever is less. 2. The maximum period of the loan shall be 120 months (10 years) of the member attaining the age of 65 whichever is earlier. There is the option to repay interest only for the first 36 months (3 years). 3. The interest rate is 5.5% per annum on monthly rest.
3 APPLICATION FOR BUILDING LOAN OR COLLATERAL LOAN 1. TYPE OF LOAN (Tick applicable box) Land & Building Loan Collateral Loan 2. DETAILS OF LOAN REQUESTED Amount applied for : RM. 0 0 Repayment Period : Months Purpose of Loan : (only for Land & Building Loan) Repayment schedule Int only for first 3 years, before Int + Principal is paid subsequently Interest + principal for the duration of the loan 3. PERSONAL DATA Name: Date of Birth: Mem No: New IC No: Old IC No: Marital Status: No. Of Dependants: Age Range of Dependants: Residential Address: Postcode: Town: Rented/Own: House Tel No. - dd mm yy HP No. - Address: Employer : Position : Address : Postcode: Town: Rented/Own: Office Tel No. -
4 4. INCOME & EXPENDITURE STATEMENT Approximate Monthly Income Applicant s Salary & Allowances Business Income Property Income Other Income Including Bonus Total Income Approximate Monthly Expenditure Household Expenses Personal Expenses EPF Contribution Children s Education Travelling Expenses Other Loan Repayment (a) (b) Property Expenses Income Tax Life Assurance etc Others, please specify Total Expenditure Approximate Monthly Surplus
5 5. ASSETS & LIABILITIES STATEMENT Assets Owned Land & House Stock & Shares Saving & Deposits Others Total Assets Applicant Existing Liabilites (balance owing) Owing to Banks/Financial Institutions Housing Loans Hire Purchase Loans Bank Overdraft Others (Credit Card) Total Liabilities Net Assets/Liabilities Applicant 6. DETAILS OF EXISTINGCREDIT FACILITIES Name of Financial Institution Type of Facility & Account No. Amount of Loan Outstanding Balance Date taken 7. OTHER BUSINESS INTEREST Name of Company / Firm Business Paid-up Capital Subject s Share Designation 8. COLLATERAL TO BE CHARGED (For Collateral Loans) Title No: Lot No: Area of Land: Mukim: District: State: Postal Address of Property: Postcode: Town: Freehold / Leasehold: Period of Lease: From: to Nature of property: Annual Quit Rent: Annual Assessment: Present Registered Owner:
6 9. PARTICULARS OF PROPERTY INTENDED TO BE PURCHASED (For Land & Building Loan) Title No: Lot No: Area of Land: Mukim: State: District: Postal Address of Property: Postcode: Town: Freehold or Leasehold: Annual Assessment: Present Registered Owner: Stage of Construction: Deposit paid towards the purchase of the property: Encumbrance (if any): Relationship to Owner: Purchase Price: Land/Building Land Saving in Society: Personal Saving: Loan applied: RM: 10. OTHER RELEVANT INFORMATION a. Have you ever been declared a bankrupt or insolvent? Yes No b. Has any judgement and/or order been made against you? Yes No c. Select the solicitor of your choice from JCS Panel RM: RM: RM: Ananda & Co. Kanesalingam & Co. 19 (1 st Floor), 5 th Floor, Wisma T.K. Tang Jalan Scott, No. 4, Jln Yap Ah Loy, Brickfields, Kuala Lumpur Kuala Lumpur. V. Karthigasu & Co. Azman Joseph & Associates 83, Tingkat 2, No. 261, 4 th Floor, Bangunan Mookapillai, Jln Tun Sambanthan, Jln Yam Tuan, Kuala Lumpur Seremban. A. Gnanarajah & Co. Ghandi 5th Floor, Wisma Tek Lee, Suite 21-5, No. 38, Jln Tun Perak, Level 21 Centro, Kuala Lumpur. No. 8, Jln Batu Tiga Lama, Klang. RM: RM:
7 Vasanthi Rasa & Associates K Lakshmidevi & Co D-2-08 (2 nd Floor) Jln SS 6/20A, 147, Tingkat Satu, Dataran Glomac Kelana Jaya, Jalan Tunku Putra, Petaling Jaya Kulim S.I. Rajah & Co. Mohd. Latip & Associates 1 st Floor, Wisma MHBA, 202, Jalan Sultan Abdul Samad, 6-1 Jalan Hang Jebat, Banting, Kuala Lumpur. Vicknaraj, R.D. Ratnam, Rajesh Kumar & Associates No. 261, 4 th Floor, Jln Tun Sambanthan, Kuala Lumpur d. Select the valuer of your choice from JCS Panel PPC International Sdn Bhd City Valuers & Consultants Sdn Bhd 8 th Floor Campbell Complex, Suites B-9-12, 13 & 13A, 8 Jln Dang Wangi, Gateway Corporate Suites, Kuala Lumpur. 1 Jalan Desa Kiara, Mont Kiara Kuala Lumpur. I declare that all the statements contained in this form and on any supporting schedules are true and complete as to the state of my financial position and credit worthiness. Applicant s Name Applicant s Signature Date : : :
8 To Secretary Koperasi Jaffnese Berhad, APPLICATION FOR LAND & BUILDING LOAN / COLLATERAL LOAN 1. I Mem No : wish to apply for a Building / Collateral Loan of (Ringgit Malaysia: ) 2. In the event of the loan being granted, I agree to repay it in months. 3. I hereby undertake not to borrow elsewhere without prior written permission of the Koperasi unless this loan is fully repaid. 4. I am fully aware that non-payment of dues will subject me to the Rules & Regulations on the loans and can also subject me to legal action for recovery of borrowings. 5. I will abide with all By-laws and Rules & Regulations and amendments to the By-laws and Rules & Regulations and by-laws of the Koperasi. 6. I attach herewith the following: a) Photocopy of Identity Card (applicant and any other co-owner) b) The latest salary slip or Income Tax Form J c) Photocopy of title(s) d) Photocopy of Sales & Purchase Agreement (2 sets) e) Photocopy of current Quit Rent and Assessment receipts f) Approved Photocopy of Plan of Proposed Building g) Processing fees (RM100.00) h) Letter of consent to change the property title if the applicant is not the registered owner / if the property is a joint property i) Central Credit Reference Information System (CCRIS) Report from Bank Negara Malaysia 7. In the event that my loan is approved, I authorise the Koperasi to insure the property(ies) to be charged against fire for the full duration of the loan to pay the premium in advance. 8. I understand that as per Bank Negara ruling only 60% of my income can be used to pay my debts. I consent and authorise the Koperasi to attain my credit rating from the authorities. Signature
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REQUIREMENT / INFORMATION ON SINGLE AND JOINT LAND AND BUILDING LOAN OR COLLATERAL LOAN
Koperasi Jaffnese Berhad(C. No. 26/24) No. 40, Jalan Tun Sambanthan 3, Brickfields, 50470 Kuala Lumpur. Peti Surat 10265, 50708 Kuala Lumpur. Tel 03-2274 8759 & 2274 8760 Fax No: 03-2274 8755 E-mail: admin@jcs.org.my
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