PRODUCT DISCLOSURE SHEET
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- Peregrine Preston Gilmore
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1 PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take up the Hire Purchase Loan. Seek clarification from if you do not understand any part of this document or the general terms) Hire Purchase Loan Date : 1. What is this product about? Hire Purchase loan is provided for the financing of vehicle calculated on fixed or variable rate. The ownership of the vehicle remains with the Bank until full settlement of the loan. The operation of the Hire Purchase loan is governed by the Hire Purchase Act a. What do I get from this product? Purchase Price Total Amount Financed Term Charges Margin of Finance : % Tenure : months Interest Rate - Fixed : % Interest Rate - Variable : + BLR (%) Annual Percentage Rate : % Current Base Lending Rate (BLR) : % as at b. When the interest is computed on Variable Rate :- The interest is computed based on the scheduled balance and added to the account on monthly basis. Any payment made which is more than the monthly installment payable will be treated as an advance payment. Such payments do not in any way reduce the total interest payable and are not redrawable. 3. What are my obligations? Monthly Installment The total amount payable, including the amount financed is Note: For variable rate financing, monthly installment and total amount payable may vary if BLR changes. 4. What are the fees and charges I have to pay? Stamping fee of RM10 for the Hire Purchase Agreement and RM10 for each guarantee, if any. All postage fees incurred for the delivery of documents and notices, if any. 5. What if I fail to fulfill my obligations? Overdue interest of 8% per annum for fixed rate loan or 2% above the prevailing rate of term charges per annum for variable rates loan will be charged on the amount in arrears. Bank will exercise the right to repossess the vehicle financed upon two successive defaults of installments. All expenses incurred during the repossession exercise will be charged to your Hire Purchase account. Bank will dispose off the vehicle upon expiry of the 5th Schedule Notice (Notice to Hirer under Section 15 of the HP Act 1967) to recover all outstanding amounts if no redemption is made within the stipulated timeframe. Any loss after disposal will be demanded from you. Legal action may be taken against you to recover the amount outstanding under the loan. This will affect your credit standing. The Bank has the right to set off any credit balance in your account maintained with the Bank against any outstanding balance in this account upon giving 7 calendar days prior notice. 1 V2.0 (12/16) PDS_Conv_Act_ENG
2 PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take up the Hire Purchase Loan. Seek clarification from if you do not understand any part of this document or the general terms) Hire Purchase Loan Date : 6. What if I pay partial payment on my monthly installment? Acceptance of partial payment of monthly installment at any time shall not constitute a variation or modification on your obligation to pay the full amount of the monthly installment as stated herein. The Bank reserves its right to insist on payment of the full amount of each installment at any time subsequently. 7. What if I fully settle the loan before its maturity? For Hire Purchase Fixed Rate : You will be entitled to a rebate which is the refund of the term charges for the unused tenure. The calculation is based on the formula below as stipulated in the Hire Purchase Act Rebate = n (n+1) X TC N (N+1) Where : n = Remaining loan tenure period TC = Term charges N = Original loan tenure period For Hire Purchase Variable Rate : The settlement amount would be the outstanding amount plus term charges accrued and calculated up to next due date of payment. 8. Do I need any insurance/takaful coverage? You are required to take up a comprehensive insurance coverage on the vehicle financed for the entire tenure of the Hire Purchase loan. 9. What are the major risks? For the variable rate loan, the interest rate may vary according to the changes in the BLR. An increase in BLR may result in higher monthly installment and total amount you pay back. If you have problems meeting your loan obligation, please contact us early to discuss repayment alternatives. 10. Do I need a guarantor or collateral? Guarantor may be required under specific circumstances as prescribed by the Bank business rules. Collateral is not required. 11. What do I need to do if there are changes to my contact details? It is important that you inform us of any changes in your contact details to ensure that all correspondences reach you in a timely manner. 12. Where can I get assistance and redress? If you have difficulties in making repayments, you should contact us earliest possible to discuss repayment alternatives. You may contact us at : Automotive Financial Services Tel : Fax : Alternatively, you may seek the services of Agensi Kaunseling dan Pengurusan Kredit (AKPK), an agency established by Bank Negara Malaysia to provide free services on money management, credit counseling and debt restructuring for individuals. You can contact AKPK at : Level 8, Maju Junction Mall 1001, Jalan Sultan Ismail Kuala Lumpur Tel : enquiry@akpk.org.my 2
3 PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take up the Hire Purchase Loan. Seek clarification from if you do not understand any part of this document or the general terms) Hire Purchase Loan Date : If you wish to complain on the products or services provided by us, you may contact us at : Customer Resolution Unit Level 19, Menara Bumiputra Commerce No. 11, Jalan Raja Laut Kuala Lumpur Tel : Fax : CRU@cimb.com If your query or complaint is not satisfactorily resolved by us, you may contact Bank Negara Malaysia LINK or TELELINK at : Block D, Bank Negara Malaysia Jalan Dato' Onn Kuala Lumpur Tel : Fax : bnmtelelink@bnm.gov.my 13. Where can I get further information? Should you require additional information on taking a Hire Purchase loan, please visit our Auto Finance Centres nationwide and the bank's website at Alternatively. You may contact us at : Tel : Call Centre Fax : Automotive Financial Services Head Office Other Hire Purchase loan packages available Not available. 15. Goods and Services Tax Without prejudice to any other provision herein, [You/Customer/Client/Borrower/Investor] shall be liable to any goods and services tax payable in connection with or arising out of this Agreement or [the account]/the Facility/the Product or any services in connection therewith. IMPORTANT NOTE : YOUR VEHICLE MAY BE REPOSSESSED AND LATER DISPOSED OFF IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR HIRE PURCHASE LOAN. The information provided in this disclosure sheet is valid as at : 16/12/2016 3
4 LEMBARAN PENERANGAN PRODUK (Sila baca Lembaran Penerangan Produk sebelum membuat keputusan untuk mengambil Pinjaman Kenderaan. Sila dapatkan keterangan lanjut daripada sekiranya anda tidak jelas tentang mana-mana bahagian maklumat atau terma-terma am di dalam lembaran ini) Pinjaman Kenderaan Tarikh : 1. Produk ini berkaitan apa? Pinjaman kenderaan ini adalah untuk pembiayaan pembelian kenderaan yang dikira atas kadar faedah tetap ataupun kadar faedah boleh ubah. Hakmilik kenderaan kekal di pihak Bank sehinggalah penyelesaian pinjaman sepenuhnya. Operasi pinjaman kenderaan ini adalah di bawah kawalan Akta Sewa Beli a. Apakah faedah yang boleh saya nikmati dari produk ini? Harga Belian Jumlah Pinjaman Caj Terma Kadar Pinjaman : % Tempoh Pinjaman : bulan Kadar Faedah Tetap : % Kadar Faedah Boleh Ubah : + KPA (%) Kadar Pinjaman Tahunan : % Kadar Pinjaman Asas (KPA) Semasa : % pada b. Untuk Kadar Boleh Ubah :- Faedah akan dikira berdasarkan baki berjadual dan akan ditambah ke akaun pada setiap bulan. Setiap lebihan pembayaran ansuran bulanan akan dikira sebagai bayaran pendahuluan. Ini bagaimanapun tidak akan mengurangkan jumlah faedah kena bayar dan tidak boleh dikeluarkan. 3. Apakah tanggungjawab saya? Ansuran Bulanan Jumlah bayaran balik termasuk pinjaman pokok Nota: Jumlah bayaran balik untuk pinjaman kadar boleh ubah akan berbeza bergantung pada Kadar Pinjaman Asas (KPA) semasa yang dikenakan.. 4. Apakah yuran atau caj yang perlu saya bayar? Duti setem sebanyak RM10 untuk Surat Perjanjian Sewa Beli dan RM10 untuk setiap jaminan, jika ada. Semua caj pos untuk penghantaran dokumen dan notis, jika ada. 5. Apakah yang akan berlaku sekiranya saya gagal memenuhi ketetapan ini? Caj lewat bayar pada kadar 8% setahun bagi kemudahan caj terma kadar faedah tetap atau 2% melebihi kadar caj terma semasa yang terpakai setahun bagi kemudahan kadar caj terma faedah boleh ubah, akan dikenakan ke atas jumlah yang tertunggak. Bank akan menguatkuasakan hak untuk memperoleh semula kenderaan yang dibiayai selepas dua tunggakan berterusan. Semua perbelanjaan berkaitan urusan perolehan semula kenderaan akan dicaj ke akaun pinjaman peminjam. Bank akan menjual kenderaan selepas tamat tempoh Notis Jadual Ke 5 (Notis kepada Penyewa - Seksyen 15 Akta Sewa Beli 1967) untuk mendapatkan balik jumlah pinjaman yang masih ada jika penebusan tidak dibuat oleh peminjam dalam tempoh waktu yang telah ditetapkan. Segala kerugian selepas jualan akan dituntut daripada peminjam. Tindakan undang-undang juga boleh diambil terhadap anda untuk mendapatkan baki tertunggak yang perlu dibayar ke atas kemudahan ini yang mana akan menjejaskan kedudukan kredit anda. Hak untuk mengambil alih : Pihak bank berhak untuk mengambil sebarang baki kredit dari mana-mana akaun anda yang diselenggarakan oleh bank ini bagi membayar tunggakan pinjaman tersebut setelah memberi notis 7 hari kalender terlebih dahulu. 1 V2.0 (12/16) PDS_Conv_Act_BM
5 LEMBARAN PENERANGAN PRODUK (Sila baca Lembaran Penerangan Produk sebelum membuat keputusan untuk mengambil Pinjaman Kenderaan. Sila dapatkan keterangan lanjut daripada sekiranya anda tidak jelas tentang mana-mana bahagian maklumat atau terma-terma am di dalam lembaran ini) Pinjaman Kenderaan Tarikh : 6. Apakah yang akan berlaku sekiranya saya membayar sebahagian dari ansuran bulanan? Penerimaan sebahagian dari ansuran bulanan pada bila-bila masa tidak akan menyebabkan variasi atau pindaan terhadap kewajipan anda untuk membuat bayaran ansuran bulanan sepenuhnya seperti yang termaktub. Pihak Bank berhak untuk menuntut pembayaran ansuran sepenuhnya pada bila-bila masa berikutnya. 7. Apa akan berlaku sekiranya saya melunaskan sepenuhnya pinjaman sebelum tempoh matang? Untuk Pinjaman Dengan Feadah Kadar Tetap : Anda berhak untuk mendapat rebat ke atas caj bertempoh untuk tempoh pinjaman yang tidak digunakan. Pengiraan adalah berdasarkan formula yang tercatat di dalam Akta Sewa Beli Rebat = n (n+1) X TC Iaitu : n = Baki tempoh pinjaman N (N+1) TC = Caj terma N = Tempoh pinjaman asal Untuk Pinjaman Dengan Kadar Faedah Boleh Ubah : Penyelesaian pinjaman akan dikira daripada baki pinjaman bersama dengan caj terma terakru dan dikira sehingga ke tempoh bayaran pinjaman yang seterusnya. 8. Adakah saya memerlukan insurans atau takaful? Anda dikehendaki menginsuranskan sepenuhnya kenderaan yang dibiayai untuk sepanjang tempoh pinjaman. 9. Apakah risiko-risiko utama? Untuk pinjaman dengan kadar faedah boleh ubah, kadar faedah yang dikenakan ke atas pinjaman mungkin berubah sejajar dengan perubahan kadar pinjaman asas (KPA). Peningkatan KPA mungkin akan menyebabkan peningkatan bilangan ansuran bulanan atau jumlah ansuran bulanan yang anda perlu bayar. Sekiranya anda menghadapi masalah untuk memenuhi tanggungjawab ke atas pinjaman ini, sila hubungi kami untuk berbincang mengenai kaedah pembayaran alternatif. 10. Adakah saya memerlukan penjamin atau cagaran? Penjamin mungkin diperlukan di dalam keadaan tertentu seperti yang telah ditetapkan oleh tatatertib urusan perniagaan Bank. Cagaran tidak diperlukan. 11. Apakah yang saya perlu lakukan sekiranya terdapat perubahan pada nombor telefon atau alamat surat menyurat? Adalah penting bagi anda untuk menghubungi pihak Bank dan mengemaskini data yang telah berubah seperti alamat surat menyurat atau nombor telefon supaya anda dapat dihubungi dengan kadar segera. 12. Di mana saya boleh mendapatkan bantuan dan pembelaan? Sekiranya anda menghadapi masalah di dalam membuat bayaran bulanan, anda diminta untuk menghubungi pihak Bank secepat mungkin untuk berbincang mengenai alternatif pembayaran. Anda boleh menghubungi kami seperti berikut : Perkhidmatan Perbankan Automotif Tel : Faks : Anda juga boleh memohon khidmat nasihat daripada Agensi Kaunseling dan Pengurusan Kredit (AKPK), iaitu sebuah agensi yang telah ditubuhkan oleh Bank Negara Malaysia untuk menyediakan perkhidmatan pengurusan kewangan, kaunseling kredit, pendidikan kewangan dan penstrukturan semula pinjaman secara percuma kepada individu. Untuk membuat pertanyaan, anda boleh menghubungi AKPK seperti berikut : Tingkat 8, Maju Junction Mall 1001, Jalan Sultan Ismail Kuala Lumpur Tel : E-mel : enquiry@akpk.org.my 2
6 LEMBARAN PENERANGAN PRODUK (Sila baca Lembaran Penerangan Produk sebelum membuat keputusan untuk mengambil Pinjaman Kenderaan. Sila dapatkan keterangan lanjut daripada sekiranya anda tidak jelas tentang mana-mana bahagian maklumat atau terma-terma am di dalam lembaran ini) Pinjaman Kenderaan Tarikh : Sekiranya anda ingin membuat aduan berkenaan produk atau perkhidmatan yang kami sediakan, anda boleh menghubungi kami seperti berikut : Customer Resolution Unit Tingkat 19, Menara Bumiputra Commerce No. 11, Jalan Raja Laut Kuala Lumpur Tel : Faks : E-mel : CRU@cimb.com Jika anda tidak berpuas hati dengan maklumat yang telah kami berikan berdasarkan pertanyaan dan aduan yang telah dikemukakan, anda boleh menghubungi Bank Negara Malaysia LINK atau TELELINK di : Block D, Bank Negara Malaysia Jalan Dato' Onn Kuala Lumpur Tel : Faks : E-mel : bnmtelelink@bnm.gov.my 13. Di mana saya boleh mendapat maklumat lanjut? Untuk maklumat lanjut mengenai pinjaman kenderaan, sila lawati cawangan-cawangan Pusat Perkhidmatan Perbankan Automotif kami di seluruh negara atau laman web bank di Anda juga boleh menghubungi kami di : Tel : Pusat Panggilan Faks : Ibu Pejabat Perkhidmatan Perbankan Automotif Jenis pinjaman kenderaan lain Tiada. 15. Cukai Barangan dan Perkhidmatan Tanpa prejudis terhadap sebarang peruntukan di dalam ini, [Anda/Pelanggan/Klien/Peminjam/Pelabur] akan bertanggungjawab ke atas sebarang cukai barangan dan perkhidmatan yang dikenakan yang berkaitan atau timbul daripada Perjanjian ini atau [akaun]/ Kemudahan/Produk atau mana-mana perkhidmatan yang berkenaan. PERINGATAN : KENDERAAN ANDA MUNGKIN AKAN DITARIK DAN SETERUSNYA DIJUAL SEKIRANYA ANDA TIDAK MENJELASKAN BAYARAN PINJAMAN MENGIKUT TEMPOH MASA YANG TELAH DITETAPKAN. M a k l u m a t d i d a l a m l e m b a r a n p e n e r a n g a n p r o d u k i n i a d a l a h s a h p a d a : 1 6 / 1 2 /
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