Hong Leong CM Flexi Term Financing-i (CMFTF-i)

Transcription

1 PRODUCT DISCLOSURE SHEET Kindly read this Product Disclosure Sheet together with the terms in the letter of offer before you decide to take up the Hong Leong CM Flexi Term Financing-i (CMFTF-i) with Hong Leong Islamic Bank ( Bank ). Be sure to also read the general terms and conditions. The information provided is merely general information of the product. The terms and conditions indicated in this Product Disclosure Sheet are tentative/ indicative and may change at the discretion of the Bank. Final terms and conditions will be read jointly and superseded as stipulated in the letter of offer and facility agreement after credit assessment and approval for the financing. Hong Leong CM Flexi Term Financing-i (CMFTF-i) May 2018 Seek clarification from your institution if you do not understand any part of this document or the general terms. 1. What is this product about? CMFTF-i is a non-revolving Shariah compliant financing facility that has a predetermined maturity date and payment schedule. It is generally used for financing the purchase of fixed assets such as properties or machineries and sometimes for working capital. CMFTF-i comes with a variable (floating) rate and is pegged to Islamic Financing Rate (IFR) or Islamic Effective Cost of Fund (ICOF). Under this product, you are protected against a higher rate by the ceiling rate i.e. the Contracted Profit Rate (CPR) where selling price is capped at CPR. No matter how high the IFR or ICOF fluctuates, you will not be charged more than the CPR. 2. What is the Shariah concept applicable? The Shariah principle used is Murabahah via Tawarruq arrangement. Tawarruq refers to purchasing an asset with deferred price, then selling it to a third party to obtain cash. The mechanics involved in CMFTF-i: 1. Bank buys the commodity* (same value as financing amount) from a commodity supplier on spot as principal (Bank now owns commodity); 2. Customer appoints the Bank as an agent to purchase the commodity and also appoints the Bank as an agent to sell the commodity. 3. Bank sells the commodity to Customer at cost plus mark-up (same value as selling price) on deferred payment (instalments). Upon the purchase, the Customer now owns the commodity. 4. As owner of the commodity, Customer may opt to: (a) (b) take physical delivery/possession at his own expense; or sell the commodity to a third party for cash; 5. If the customer chooses (b), Bank (as agent of the Customer) sells Customer s commodity (same value as financing amount) to third party on spot for cash; 6. Bank disburses the sale proceeds (financing amount) to Customer. * Commodity: (a) The commodity is in the form of Crude Palm Oil or any other Shariah compliant commodities to be traded under the Facility shall be acceptable to the parties and as approved by the Shariah Committee of the Bank; (b) The trading is carried out on a multi-commodity trading platform such as Bursa Suq Al Sila or any other commodity trading platform, which facilitates Tawarruq transactions and has been approved by the Shariah Committee of the Bank. 3. What do I get from this product? Margin of Financing (MOF) offered will depend on the purpose of financing. Typically, for property financing the MOF is up to 80% Commodity Sale Price will be calculated based on CPR. Typically, CPR is based on 6% above prevailing IFR. Profit charges will be calculated based on Effective Profit Rate (EPR)*. EPR charges will depend on the purpose of financing and is pegged to IFR or ICOF. Generally, for property financing rates ranges from IFR - 1.8% to IFR + 1.0% p.a. while for working capital rates are at IFR + 0.5% to IFR + 3.0% p.a. Financing tenure differs with the purpose of financing. Generally ranges from 5 years to 15 years * If the profit amount based on EPR is lower than the profit amount based on CPR, rebate will be granted on the difference upon receipt full settlement by the Bank. Note: Please note the above rates and tenure is indicative only. The final approved amount of your financing, tenure and effective profit rate is subject to the Bank s approving criteria and may differ from the above. For actual details of Facility offered, please refer to letter of offer/ facility agreement.

2 PRODUCT DISCLOSURE SHEET Kindly read this Product Disclosure Sheet together with the terms in the letter of offer before you decide to take up the Hong Leong CM Flexi Term Financing-i (CMFTF-i) with Hong Leong Islamic Bank ( Bank ). Be sure to also read the general terms and conditions. The information provided is merely general information of the product. The terms and conditions indicated in this Product Disclosure Sheet are tentative/ indicative and may change at the discretion of the Bank. Final terms and conditions will be read jointly and superseded as stipulated in the letter of offer and facility agreement after credit assessment and approval for the financing. Hong Leong CM Flexi Term Financing-i (CMFTF-i) May 2018 Seek clarification from your institution if you do not understand any part of this document or the general terms. Example: Facility Amount / Limit / Commodity Purchase Price : RM 1,000, Islamic Financing Rate : 7.04% p.a. Profit rate : IFR % Financing Term : 180 months Contracted Profit Rate (CPR) : 13.04% Effective Profit Rate (EPR) : 5.04% Payment Amount (based on EPR) : RM 7, Total Profit : RM 1,282, Commodity Sale Price : RM 2,282, No. Payment Commence 1st of the following month Billed Profit Principal Paid Remaining Unearned Profit Principal Balance O/S Current Outstanding Balance Next Payment Due Date 0 1,282, ,000, ,282, Mar-18 Effective Profit Rate 1 7, , , ,277, , ,274, Apr % 2 7, , , ,273, , ,266, May % 3 7, , , ,269, , ,258, Jun % : : : : : : : : : : : : : : : : 179 7, , , , , Feb % 180 8, , ,271.57* ,271.57* 01-Mar % * When principal outstanding is zero, rebate will be given to set-off Remaining Unearned Profit Note: Please note the above rates and tenure is indicative only. The final approved amount of your financing, tenure and effective profit rate is subject to the Bank s approving criteria and may differ from the above. For actual details of Facility offered, please refer to letter of offer/ facility agreement. If and whenever the EPR is varied as a consequence of variations to the IFR/ICOF and actual no. of days in a month, your final payment amount may be varied to settle principal balance outstanding & billed profit to full settle the financing. 4. What are my obligations? To pay the scheduled instalment payments comprising of principal and profits (calculated based on outstanding principal). Payments are generally scheduled on monthly/quarterly/semi-annually/annually basis (calculated based on EPR and daily balance amortisation basis) To settle all amounts outstanding on or before the expiry of the facility tenure i.e. maturity date. IMPORTANT: If payment falls on non-working days or public holiday, payment shall be made on the immediate preceding working day The Bank shall be entitled, from time to time, subject to the CPR, to vary the IFR/ICOF at its discretion. If and whenever the EPR is varied as a consequence of variations to the IFR/ICOF, the Bank may at its absolute discretion make the following adjustment consequent upon such variation, namely, either: (i) (ii) by varying the amount of any Periodic Instalments; or by varying the number of the Periodic Instalments.

3 PRODUCT DISCLOSURE SHEET Kindly read this Product Disclosure Sheet together with the terms in the letter of offer before you decide to take up the Hong Leong CM Flexi Term Financing-i (CMFTF-i) with Hong Leong Islamic Bank ( Bank ). Be sure to also read the general terms and conditions. The information provided is merely general information of the product. The terms and conditions indicated in this Product Disclosure Sheet are tentative/ indicative and may change at the discretion of the Bank. Final terms and conditions will be read jointly and superseded as stipulated in the letter of offer and facility agreement after credit assessment and approval for the financing. Hong Leong CM Flexi Term Financing-i (CMFTF-i) May 2018 Seek clarification from your institution if you do not understand any part of this document or the general terms. Your monthly payment amount may be varied if the EPR changes. Table below depicts the variation of monthly payment and total payment amount if the IFR changes: Payment Frequency Today at the above EPR If EPR goes up 1% If EPR goes up 2% IFR 7.04% 8.04% 9.04% Effective Profit Rate 5.04% 6.04% 7.04% Monthly 7, , , Total Profit at the end of tenure, excluding GPP Total Payment amount at the end of tenure, excluding GPP 427, , , ,282, ,522, ,621, Note: Calculation of total profit and total payment amount in table above is based on scenario that the IFR change takes place before the disbursement of financing. In event, the IFR changes during the tenure of the financing, total profit and total payment amount will differ. 5. What are the fees and charges do I have to pay? Stamp Duties As per Stamp Duty Act 1949 (revised 1989). Legal and Disbursement Fees Trading Fee Solicitor fee as per the Solicitor s Remuneration Order 2005 including fees for registration of charge, land search, bankruptcy search, goods & services tax (GST) and other tax or levy as per the scale fees charged by the respective authorities. RM15 for every transaction of RM1 Million or part thereof in the currency of transaction (for e.g. SGD15 for every SGD1 million or USD15 for every USD1 million, etc). For SME Customers, the fee is equally shared between Customer and the Bank. Important: Effective 1 st April 2015, Goods and Services Tax (GST) shall be imposed on fees and charges, where applicable. 6. What if I fail to fulfil my obligations? Compensation Charges for Late Payment (Ta widh) a) For default instalment payment(s) during facility tenure = 1% p.a. on the overdue amount; b) For default causing the facility to be terminated or brought to court = 1% p.a. on the outstanding balance (outstanding principal plus accrued profit); c) For default payment after expiry of facility tenure = BNM Islamic Interbank Money Market ( IIMM ) rate on the outstanding balance (outstanding principal plus accrued profit); d) For default payment post judgment = IIMM rate on the basic judgment sum. Note: (i) Compensation charges shall not be compounded and more than the outstanding principal (ii) Compensation charges method and rate are subject to changes as may be prescribed by BNM (iii) Compensation charges is computed on a daily basis from the payment due date/maturity date/judgment date

4 PRODUCT DISCLOSURE SHEET Kindly read this Product Disclosure Sheet together with the terms in the letter of offer before you decide to take up the Hong Leong CM Flexi Term Financing-i (CMFTF-i) with Hong Leong Islamic Bank ( Bank ). Be sure to also read the general terms and conditions. The information provided is merely general information of the product. The terms and conditions indicated in this Product Disclosure Sheet are tentative/ indicative and may change at the discretion of the Bank. Final terms and conditions will be read jointly and superseded as stipulated in the letter of offer and facility agreement after credit assessment and approval for the financing. Hong Leong CM Flexi Term Financing-i (CMFTF-i) May 2018 Seek clarification from your institution if you do not understand any part of this document or the general terms. Right to Set-off The Bank is entitled to set-off any credit balance in your deposit accounts maintained with the Bank against any outstanding balance. Right to Commence Recovery or Legal Action Legal action will be taken if you fail to respond to reminder notices. Your asset may be foreclosed and you will have to bear all costs. You are also responsible to settle any shortfall after your asset is sold. The Bank has a right to commence recovery activities (including engaging third party debt collection agencies), foreclosure and bankruptcy proceedings. Note: Legal action against you may affect your credit rating leading to credit being more difficult or expensive. 7. What if I fully settle the financing before its maturity? Three (3) months written notice is required. The Bank undertakes to grant you rebate (Ibra ) at the point of early settlement. Rebate formula as below: Rebate on early settlement = Remaining Unearned Profit (-) Early Settlement Charges* (if any) Note: (i) Remaining Unearned Profit = Total Profit (-) Accrued Profit (ii) Total Profit = Sale Price (-) Financing Amount (iii) Accrued Profit is calculated based on Effective Profit Rate on the outstanding Financing Amount being disbursed *For any actual cost incurred by the Bank e.g. discounted rate, legal fees, disbursement fees, stamp duty and valuation fees. 8. Do I need any takaful coverage? The following takaful coverage are recommended/required to be taken: Mortgage Reducing Term Takaful (MRTT) or any equivalent takaful certificates policies to cover the company in the event of death or permanent disability of the customer or key men of the company (if applicable) Fire takaful if property is given as security for the financing (compulsory) 9. What are the major risks? The EPR is a variable rate and may change according to change(s) in the IFR/ICOF. An increase in EPR may result in higher monthly payment. However, the EPR increase is capped at the CPR. Note: (i) For Facility that is pegged to ICOF, in the event of fluctuation in ICOF, the EPR will only be changed on each ICOF period. (ii) For Facility that is pegged to IFR, movement in IFR will change the EPR on the same day. 10. 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. To update your correspondence details, please contact us at or visit any of our business centres nationwide.

5 PRODUCT DISCLOSURE SHEET Kindly read this Product Disclosure Sheet together with the terms in the letter of offer before you decide to take up the Hong Leong CM Flexi Term Financing-i (CMFTF-i) with Hong Leong Islamic Bank ( Bank ). Be sure to also read the general terms and conditions. The information provided is merely general information of the product. The terms and conditions indicated in this Product Disclosure Sheet are tentative/ indicative and may change at the discretion of the Bank. Final terms and conditions will be read jointly and superseded as stipulated in the letter of offer and facility agreement after credit assessment and approval for the financing. Hong Leong CM Flexi Term Financing-i (CMFTF-i) May 2018 Seek clarification from your institution if you do not understand any part of this document or the general terms. 11. Where can I get assistance and redress? If you have difficulties in making payments, you should contact us earliest possible to discuss payment alternatives. You may contact us at: Hong Leong Islamic Bank, Wholesale Banking-i, Address : Level 23, Menara Hong Leong, No. 6, Jalan Damanlela, Bukit Damansara, Kuala Lumpur Telephone No. : sme@hlbb.hongleong.com.my Website : Small Debt Resolution Committee (SDRC), established by Bank Negara Malaysia that provides assistance to viable small and medium scale enterprises (SMEs). You may contact SDRC at: SDRC Secretariat, Development Finance and Enterprise Department Address : Bank Negara Malaysia (BNM), Jalan Dato' Onn Kuala Lumpur Telephone No. : bnmtelelink@bnm.gov.my Website : If you wish to complaint on the products or services provided by us, you may contact us at: Hong Leong Islamic Bank, Wholesale Banking-i, Address : Level 23, Menara Hong Leong, No. 6, Jalan Damanlela, Bukit Damansara, Kuala Lumpur Telephone No. : sme@hlbb.hongleong.com.my Website : If your query or complaint is not satisfactorily resolved by us, you may contact Bank Negara Malaysia at: Bank Negara Malaysia LINK or BNMTELELINK Address : Block D, Bank Negara Malaysia Jalan Dato Onn Kuala Lumpur. Telephone No. : Fax : bnmtelelink@bnm.gov.my Website : Where can I get further information? Should you require additional information on CMFTF-i, please visit any of our business centres nationwide or you may visit our website at or website 13. Other Financing Packages Available Hong Leong Commodity Murabahah Term Financing-i Hong Leong CM Cashline-i Hong Leong Commodity Murabahah Revolving Credit-i Islamic Trade Financing-i IMPORTANT NOTICE THE BANK HAS THE RIGHT TO PROCEED WITH LEGAL ACTION AND FORECLOSURE OF YOUR ASSET FINANCED BY OR CHARGED AS COLLATERAL TO THE BANK SHOULD YOU FAIL TO PAY YOUR PAYMENT PROMPTLY. The information provided in this disclosure sheet is valid as at March 2018

6 HELAIAN MAKLUMAN PRODUK Sila baca Helaian Pendedahan Produk ini sebelum anda membuat keputusan untuk memohon Pembiayaan Bertempoh Fleksi Komoditi Murabahah-i Hong Leong Islamic Bank. Pastikan juga anda membaca terma dan syarat umum bagi produk ini. Maklumat yang diberikan hanyalah maklumat umum tentang produk tersebut. Terma dan syarat yang tertera dalam Helaian Pendedahan Produk ini adalah tentatif / indikatif dan mungkin berubah mengikut budi bicara Bank. Termaterma dan syarat-syarat wajar dibaca secara bersama dan digantikan seperti yang tertera dalam surat tawaran dan perjanjian kemudahan selepas penilaian kredit dan kelulusan untuk pembiayaan diiberikan. Pembiayaan BertempohFleksi Komoditi Murabahah-i November Apakah produk ini? Pembiayaan Bertempoh Fleksi KomoditiMurabahah-i Hong Leong Islamic Bank adalah kemudahan pembiayaan patuh Syariah yang bukan pusingan yang mempunyai tarikh matang dan jadual pembayaran yang telah ditetapkan. Kemudahan ini biasanya digunakan untuk membiayai pembelian aset tetap seperti hartanah dan jentera dan boleh juga digunakan untuk modal kerja. Fasiliti ini adalah berdasarkan kadar boleh ubah (apungan). Di bawah produk ini, anda akan terlindung dari kenaikan kadar yang tinggi melalui kadar siling iaitu Kadar Keuntungan Dikontrakkan dimana harga jualan adalah ditetapkan pada Kadar Keuntungan Dikontrakkan. Pelanggan tidak akan di caj lebih daripada Kadar Keuntungan yang Dikontrakkan walaupun terdapat kenaikan yang tinggi terhadap Kadar Keuntungan Islamik (IFR). 2. Apakah konsep Syariah yang digunakan? Konsep Syariah yang digunakan untuk produk ini adalah Murabahah melalui susunan Tawarruq. Tawarruq merujuk kepada pembelian aset dengan harga yang tertangguh, kemudiannya dijual kepada pihak ketiga untuk mendapatkan tunai. Berikut adalah mekanisma bagi produk CMFTF-i: 1. Pihak Bank membeli komoditi (nilai bersamaan dengan jumlah pembiayaan) daripada pembekal komoditi secara lani sebagai prinsipal (Bank sebagai pemilik komoditi). 2. Pelanggan melantik pihak Bank sebagai ejen untuk membeli komoditi dan juga melantik pihak Bank sebagai ejen untuk menjual komoditi tersebut. 3. Bank menjual komoditi kepada pelanggan dengan harga kos dan keuntungan (nilai bersamaan dengan harga jualan) dengan bayaran tertangguh (ansuran). Pelanggan sekarang menjadi pemilik kepada komoditi tersebut. 4. Sebagai pemilik komoditi, Pelanggan boleh memilih untuk: (a) menerima penghantaran secara fizikal / hak milik di atas perbelanjaannya sendiri; atau (b) menjual komoditi tersebut secara tunai kepada pihak ketiga; 5. Jika Pelanggan memilih (b), Bank (sebagai ejen kepada Pelanggan) menjual komoditi tersebut (nilai bersamaan dengan jumlah pembiayaan) kepada pihak ketiga secara lani dan tunai. 6. Bank mendepositkan hasil jualan (jumlah pembiayaan) kepada Pelanggan. *Komoditi :- a. Komoditi adalah dalam bentuk minyak kelapa sawit atau apa-apa komoditi patuh Syariah yang akan didagangkan dibawah Pembiayaan ini yang diterima oleh pihak-pihak dan dimana telah diluluskan oleh Jawatankuasa Syariah Bank. b. Perdagangan dijalankan diatas platform perdagangan pelbagai komoditi seperti Bursa Suq Al Sila atau platform perdagangan komoditi lain yang boleh melaksanakan transaksi Tawarruq dan telah diluluskan oleh Jawatankuasa Syariah Bank.

7 3. Apakah yang akan saya perolehi daripada produk ini? Margin Pembiayaan (MOF) yang ditawarkan adalah tertakluk kepada tujuan pembiayaan. Secara umumnya, margin pembiayaan bagi hartanah adalah sehingga 80% Harga Jualan Komoditi akan dikira berdasarkan Kadar Keuntungan Dikontrakkan. Kadar Keuntungan Dikontrakkan adalah berdasarkan Kadar Pembiayaan Islamik. Kadar Keuntungan akan bergantung kepada Kadar Keuntungan Efektif. (EPR). Kadar keuntungan efektif akan bergantung kepada tujuan pembiayaan dan ditetapkan kepada Kadar Keuntungan Islamik (IFR) atau Kadar Kos Dana Islamik. Secara umumnya, kadar pembiayaan hartanah adalah antara IFR (Kadar Pembiayaan Islamik) - 1.8% sehingga IFR + 1.0% setahun manakala kadar bagi modal kerja adalah antara IFR + 0.5% kepada IFR + 3.0% setahun. Tempoh pembiayaan bergantung kepada tujuan pembiayaan yang secara umumnya adalah di antara 5 hingga 15 tahun. o Jika jumlah keuntungan berdasarkan EPR adalah lebih rendah dari jumlah keuntungan berdasarkan CPR, rebat akan diberikan ke atas perbezaan dan apabila fasiliti tidak sepenuhnya digunakan ke atas penyelesaian penuh yang diterima oleh Bank. Contoh: Jumlah/Had Fasiliti/ Harga Belian : RM 500, Komoditi Kadar Pembiayaan Islamik : 6.85% setahun Kadar Keuntungan : IFR 2.35% Tempoh Pembiayaan : 60 bulan Kadar Keuntungan Kontrak (CPR) : 12.7% Kadar Keuntungan Efektif (EPR) : 4.5% Ansuran Bulanan (berdasarkan EPR) : RM 9, Jumlah Keuntungan : RM 178, Harga Jualan Komoditi : RM 678, Nota: Sila ambil perhatian bahawa kadar keuntungan dan tempoh tertera di atas adalah indikatif sahaja. Jumlah pembiayaan, tempoh pembiayaan, kadar keuntungan dan kadar efektif yang muktamad adalah tertakluk kepada kelulusan kriteria oleh pihak Bank dan mungkin berbeza daripada yang tertera di atas. Untuk maklumat sebenar pembiayaan yang ditawarkan, sila rujuk kepada surat perjanjian tawaran atau perjanjian kemudahan. 4. Apakah tanggungjawab saya? Untuk membuat pembayaran ansuran berjadual yang merangkumi jumlah prinsipal dan keuntungan (dikira berdasarkan jumlah prinsipal yang belum dijelaskan). Pembayaran pada umumnya dijadualkan pada setiap bulan / suku tahunan / setengah tahunan / setiap tahun asas (dikira berdasarkan kadar keuntungan dan pelunasan baki harian) Untuk menyelesaikan semua jumlah yang belum dijelaskan pada atau sebelum tamat tempoh kemudahan iaitu pada tarikh matang. Contoh: Jumlah/Had Fasiliti/ Harga Belian : RM 500, Komoditi Kadar Pembiayaan Islamik : 6.85% setahun Kadar Keuntungan : IFR 2.35% Tempoh Pembiayaan : 60 bulan Kadar Keuntungan Kontrak (CPR) : 12.7% Kadar Keuntungan Efektif (EPR) : 4.5% Ansuran Bulanan (berdasarkan EPR) : RM 9, Jumlah Keuntungan : RM 178, Harga Jualan Komoditi : RM 678, Illustrasi Bulan Ansuran Bulanan Untung Prinsipal Baki yang Belum Diterima Baki Semasa Tertunggak 1 9, , , , , , , , , , , , , , ,034.00

8 59 9, , , , , , , , Nota: Ansuran terakhir anda boleh diselaraskan untuk penjelesan penuh pembiayaan. PENTING: Ansuran bulanan anda tidak akan berubah jika Kadar Keuntungan Islamik berubah. Frekuensi Ansuran Semasa Jika EPR naik 1% Jika EPR turun 2% Bulanan 9,322 9,322 9,322 Kadar keuntungan pada tarikh matang 59,320 73,060 87,040 Kadar pembiayaan pada tarikh matang 559, , , Apakah jenis yuran dan caj yang perlu dibayar? Duti Setem Seperti yang termaktub di dalam Akta Setem 1949 (Disemak 1989). Fi Guaman berkaitan dengan Dokumentasi Pembiayaan Fi Perdagangan Fi peguamcara mengikut Perintah Imbuhan Peguamcara 2005 termasuk yuran pendaftaran caj, carian tanah, carian bankrap, cukai barangan dan perkhidmatan (GST) dan cukai atau levi lain mengikut yuran skala yang dikenakan oleh pihak berkuasa masing-masing. RM15 untuk setiap RM1 Juta transaksi atau sebahagian daripadanya dalam mata wang transaksi (contohnya SGD15 untuk setiap SGD1 juta atau USD15 untuk setiap USD1 juta, dan lain-lain). Bagi Pelanggan PKS, bayaran tersebut dikongsi bersama antara Pelanggan dan Bank. Penting: Berkuatkuasa 1 April 2015, Cukai Barangan dan Perkhidmatan (GST) akan dikenakan ke atas yuran dan caj, yang mana berkenaan. 6. Apakah yang akan berlaku jika saya gagal memenuhi tanggungjawab saya? Caj Pampasan bagi Bayaran Lewat (Ta widh) a) Bagi kegagalan untuk membayar ansuran bulanan semasa tempoh fasiliti = 1% setahun ke atas jumlah tertunggak. b) Bagi kegagalan menyebabkan Kemudahan akan ditamatkan atau dibawa ke mahkamah = 1% setahun ke atas jumlah baki tertunggak. (baki prinsipal tertunggak dan keuntungan terakru); c) Bagi kegagalan mana-mana pembayaran melebihi tempoh Kemudahan = kadar Pasaran Wang antara Bank-Bank perbankan Islam ("IIMM") ke atas jumlah baki tertunggak (baki prinsipal tertunggak dan keuntungan terakru) d) Bagi kegagalan pembayaran Kemudahan jika jumlah penghakiman telah diputuskan = kadar Pasaran Wang antara Bank-Bank perbankan Islam ("IIMM") ke atas jumlah penghakiman Nota: (i) Caj-caj pampasan tidak boleh dikompaun dan lebih daripada prinsipal tertunggak. (ii) Kaedah dan kadar caj-caj pampasan adalah tertakluk kepada perubahan yang ditentukan oleh BNM (iii) Caj-caj pampasan dikira secara harian dari tarikh matang / tarikh penghakiman Hak Untuk Tolak Selesai Bank berhak untuk menolak selesai baki kredit yang terdapat di dalam akaun deposit anda di Bank bagi menjelaskan baki tertunggak dalam akaun pembiayaan ini. Hak untuk Memulakan Proses Pengambilan Semula dan Tindakan Undang-undang Tindakan undang-undang akan dikenakan jika anda gagal untuk memberikan respons kepada notis peringatan. Aset anda mungkin dirampas dan segala kos adalah tanggungan pelanggan. Defisit dari penjualan aset lelongan anda juga adalah tanggungan sendiri. Pihak bank berhak untuk memulakan aktiviti pengutipan (termasuk menggunakan agensi pengutipan hutang), perampasan dan prosiding muflis Nota: Tindakan undang-undang yang dikenakan ke atas anda akan menjejaskan tahap penarafan kredit anda mengakibatkan kelulusan permohonan mana-mana kemudahan kredit lebih sukar atau kadar pembiayaan lebih mahal.

9 7. Apakah yang akan berlaku jika saya menjelaskan sepenuhnya pembiayaan sebelum tempoh matang? Notis bertulis 3 bulan adalah diperlukan Bank akan memberi rebat (Ibra ) jika pembiayaan dijelaskan dengan lebih awal. Formula rebat adalah seperti berikut: Rebat hasil langsaian pembiayaan awal = Baki Tidak Diterima *Caj Langsaian Awal (jika ada) Nota: (i) Baki Tidak Diterima = Jumlah Keuntungan Keuntungan Terakru (ii) Jumlah Keuntungan = Harga Jualan Jumlah Pembiayaan (iii) Keuntungan Terakru dikira berdasarkan Kadar Keuntungan Efektif ke atas Jumlah Pembiayaan yang diberikan * Bagi apa-apa kos sebenar yang ditanggung oleh Bank seperti kadar yang telah didiskaunkan, yuran guaman, yuran pengeluaran, duti setem dan yuran penilaian 8. Adakah saya perlu mengambil perlindungan takaful? Berikut merupakan cadangan atau keperluan perlindungan takaful: Takaful Bertempoh Gadai Janji Berkurangan (MRTT) atau sijil/polisi takaful perlindungan yang seumpamanya untuk melindungi syarikat sekiranya berlaku kematian atau hilang upaya kekal atas pelanggan atau orang utama dalam syarikat (jika berkenaan) Takaful kebakaran jika aset adalah jaminan dalam pembiayaan (wajib) 9. Apakah kemungkinan risiko utama? Kadar Keuntungan Efektif (EPR) adalah kadar yang berubah dan mungkin bertukar berdasarkan perubahan dalam Kadar Pembiayaan Islamik (IFR). Peningkatan EPR mungkin akan meningkatkan pembayaran ansuran bulanan. Walau bagaimanapun, kenaikan EPR adalah dihadkan kepada Kadar Keuntungan yang Dikontrakkan (CPR) yang dinyatakan di atas. Nota: (i) Untuk Kemudahan yang ditetapkan kepada ICOF, sekiranya berlaku perubahan dalam ICOF, EPR hanya akan ditukar pada setiap tempoh ICOF. (ii) Untuk Kemudahan yang ditetapkan kepada IFR, pergerakan dalam IFR akan mengubah EPR pada hari yang sama. 10. Apakah yang perlu saya lakukan jika terdapat perubahan maklumat dalam butiran peribadi saya? Adalah penting untuk anda memaklumkan kepada pihak kami mengenai sebarang perubahan maklumat dalam butiran peribadi anda bagi memastikan anda menerima semua surat-menyurat tepat pada masanya. Untuk mengemaskini maklumat peribadi anda, sila hubungi kami di atau kunjungi mana-mana cawangan kami di seluruh negara. 11. Dimanakah saya boleh mendapatkan bantuan penyelesaian kewangan? Jika anda menghadapi masalah untuk membuat pembayaran, anda boleh menghubungi kami secepat mungkin untuk membincangkan kaedah alternatif bagi pembayaran. Anda boleh menghubungi kami di: Hong Leong Islamic Bank, Wholesale Banking-i, Alamat : Level 23, Menara Hong Leong, No.6, Jalan Damanlela, Bukit Damansara, Kuala Lumpur. No.Telefon : : E-mel Laman Web : sme@hlbb.hongleong.com.my : Untuk pilihan lain, anda boleh mendapatkan perkhidmatan: Small Debt Resolution Committee (SDRC) yang ditubuhkan oleh Bank Negara Malaysia untuk menyediakan perkhidmatan kepada perusahaan kecil dan sederhana. Anda boleh menghubungi SDRC di:

10 SDRC Secretariat, Bahagian Pembangunan Kewangan dan Enterprise Alamat : Bank Negara Malaysia (BNM), Jalan Dato' Onn Kuala Lumpur No Telefon : E-mel : bnmtelelink@bnm.gov.my Laman web : Sekiranya anda mempunyai pertanyaan, sila hubungi cawangan terdekat, pusat perniagaan atau pengurus perhubungan akaun anda atau kami di: Hong Leong Islamic Bank Berhad, Wholesale Banking-i Alamat : Level 23, Menara Hong Leong, No.6, Jalan Damanlela, Bukit Damansara, Kuala Lumpur. No.Telefon : : E-mel : sme@hlbb.hongleong.com.my Laman Web : Jika soalan atau aduan anda tidak diselesaikan oleh kami secara memuaskan, anda boleh menghubungi Bank Negara Malaysia di: Bank Negara Malaysia LINK atau BNMTELELINK di Alamat : Blok D, Bank Negara Malaysia, Jalan Dato Onn Kuala Lumpur. No. Telefon : Faks : E-mel : bnmtelelink@bnm.gov.my Laman Web : Dimana boleh saya mendapatkan maklumat lanjut? Sekiranya anda memerlukan maklumat tambahan tentang Pembiayaan Bertempoh Fleksi Komoditi Murabahah-i, sila kunjungi mana-mana pusat perniagaan kami di seluruh negara atau anda boleh melayari laman web kami di NOTIS PENTING BANK BERHAK UNTUK MENGAMBIL TINDAKAN UNDANG-UNDANG DAN PERAMPASAN ASET YANG DIBIAYAI OLEH / DICAGARKAN KEPADA PIHAK BANK, JIKA ANDA GAGAL UNTUK MEMBAYAR KADAR ANSURAN BULANAN ANDA TEPAT PADA WAKTUNYA.