PRODUCT DISCLOSURE SHEET
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- Elvin Norman
- 5 years ago
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1 clarificatin frm if 1. What is this prduct abut? This is a Shariah-Cmpliant term financing facility secured by Amanah Saham Bumiputera (ASB) r Amanah Saham Bumiputera 2 (ASB2) Certificate. The term r reference ASB Units shall mean the ASB Units r ASB2 Units, as the case may be, which are charged and/r assigned and/r pledged t and/r depsited with the Security Agent. We als have Grup Term Financing Takaful (GTFT) which is an ptinal takaful plan yu may chse t take up t prtect yur Term Financing-i. The GTFT plan is managed and issued by Sun Life Malaysia Takaful Berhad. 2. What is the Shariah cncept applicable? The Facility is based n the Shariah cncept f Cmmdity Murabahah. A specific Shariah cmpliant cmmdity will be identified and used as the underlying asset fr the sale and purchase transactin between the Custmer(s) and the Bank fr the purpse f availing the funds fr the financing. 3. What d I get frm this prduct? a) Ttal amunt financed : RM200, b) Tenure (years) : 30 c) Effective Prfit Rate : Base Rate (BR) % p.a. d) Ceiling Prfit Rate : 10.75% e) Bank's Sale Price : RM672, Nte: Base Rate (BR) 4.10% 4. What are my bligatins? The ttal payment based n Bank's Sale Price is RM672,106.58
2 clarificatin frm if Imprtant: Yur Mnthly Payments will vary if the BR changes Rate Tday (BR = 4.10%) If BR ges up 1.00% If BR ges up 2.00% Mnthly Instalment RM1, RM1, RM1, Ttal prfit charge at the end f the tenure RM199, RM245, RM293, Ttal Payments at the end f the tenure RM399, RM445, RM493, Prfit is calculated as per the belw frmula: Amunt Disbursed x Effective Prfit Rate x n / 365 * Ttal Payments is based n Ceiling Prfit Rate. Ibra' (rebate) will be given n the difference between Ceiling Prfit Rate and Effective Prfit Rate n mnthly basis. The Bank shall grant rebate (Ibra') t the Custmer(s) n, but nt limited t, the fllwing events: i) There is a difference in Prfit Prtin Calculatin based n the Ceiling Prfit Rate and Effective Prfit rate; ii) The Custmer(s) makes early settlement r terminatin upn an event f default Fr avidance f dubt, it is hereby acknwledged and agreed that the rebates referred t herein shall nt be cnstrued in any manner whatsever as cash rebate payable t the Custmer(s), but shall be reflected as a reductin in the prfit element f the mnthly payments f the Facility. Nte: i) Payment may fluctuate based n the mvement f BR. ii) The fluctuatins f BR are as fllws:- a) If BR is at mving dwntrend, the mnthly payment will decrease. b) If BR is at mving uptrend, the mnthly payment will increase. iii) The custmer will be advised f the new payment upn the changes in BR via ntificatin letter. iv) Variatin in mnthly payment is capped at the Ceiling Prfit Rate mentined abve. 5. What are the fees and charges I have t pay? Dcumentatin Fee (Nn Refundable) : RM63.00 (inclusive f GST) will be charged upn disbursement f the financing. Yu shall be liable fr any gds and services tax payable in cnnectin with r arising ut f this Agreement r any services in cnnectin therewith.
3 clarificatin frm if 6. What if I fail t fulfil my bligatins? Ta'widh (Cmpensatin) (a) (b) (c) Fr default in payment during the Tenure, the ta'widh (cmpensatin) rate that shall be applied is up t ne per centum (1%) per annum r any ther rates apprved by BNM n the balance f Mnthly Payments frm the due date(s) fr payment f such Mnthly Payment(s) until the date when payment is received by the Bank; Fr default in payment during the Tenure, where such default causes the entire Facility t be terminated r brught t curt fr judgment prir t Maturity, the ta'widh (cmpensatin) rate that shall be applied is up t ne per centum (1%) per annum r any ther rates apprved by BNM n the utstanding Bank's Sale Price less Ibra' ("Outstanding Balance"), frm the date the entire Facility is terminated until the date the Outstanding Balance is received by the Bank r the judgment is btained, whichever is earlier; and Fr default in payment beynd the Tenure, the ta'widh (cmpensatin) rate t be applied shall nt be mre than the BNM's prevailing daily vernight Islamic Interbank Mney Market Rate (IIMM) r any ther rates apprved by BNM n the Outstanding Balance frm the date the Tenure expires until the date the Outstanding Balance is received by the Bank; subject always t Ibra' wherever applicable. The accumulated ta'widh (cmpensatin) shall nt exceed ne hundred percent (100%) f the Outstanding Bank's Purchase Price. Nte: *Legal actin will be taken if yu fail t respnd t reminder ntices. Review: The Bank retains the abslute right t review and terminate the Facility granted t yu in the event the Facility is being used fr nn-shariah cmpliant activities r upn ccurrence f any ther event f defaults as agreed in the Terms and Cnditins Right t set-ff: We have the right t set-ff any credit balance in yur accunt maintained with us against any utstanding balance in this financing accunt. Bankruptcy: Yu may be subject t bankruptcy prceedings if the utstanding amunt reaches a certain limit. Repercussins f being adjudged a bankrupt will result in freezing and cnfiscatin f yur assets. *Legal actin against yu may affect yur credit rating leading t credit being mre difficult r expensive t yu
4 clarificatin frm if 7. What if I fully settle the financing befre its maturity? Yu may fully settle the financing befre its maturity withut any early settlement fee. 8. D I need a guarantr r cllateral? N guarantr is required. Yur ASB Units Certificate will be kept by the Bank thrughut the financing tenure as cllateral. 9. What d I need t d if there are changes t my cntact details? It is imprtant that yu infrm us f any changes in yur cntact details t ensure that all crrespndences reach yu in a timely manner. T update yur cntact details, yu may infrm us in writing r reach us via ne f the fllwing channels: 1. Please visit yur Hme Branch. 2. Please call ur Call Centre at Where can I get assistance and redress? If yu have difficulties in making payments, yu shuld cntact us earliest pssible t discuss payment alternatives. Yu may cntact us at: Custmer Reslutin Unit 19th Flr, Menara Bumiputra-Cmmerce 11, Jalan Raja Laut Kuala Lumpur Tel N: Fax N: cru@cimb.cm Alternatively, yu may seek the services f Agensi Kaunseling dan Pengurusan Kredit (AKPK), an agency established by Bank Negara Malaysia t prvide free services n mney management, credit cunselling and debt restructuring fr individuals. Yu can cntact AKPK at: Tingkat 8, Maju Junctin Mall 1001, Jalan Sultan Ismail Kuala Lumpur
5 clarificatin frm if Tel N: Yu may als register fr BNM's free "Pengurusan Wang Ringgit Anda (POWER!)" Prgramme specially designed t equip yu with essential financial knwledge and skills in mney and persnal debt management. Yu may get mre infrmatin abut the Prgramme frm leaflets (available at ur branches) r frm AKPK's website. If yu wish t cmplain n the prducts r services prvided by us, yu may cntact us at: Custmer Reslutin Unit 19th Flr, Menara Bumiputra-Cmmerce 11, Jalan Raja Laut Kuala Lumpur Tel N: Fax N: cru@cimb.cm If yur query r cmplaint is nt satisfactrily reslved by us, yu may cntact Bank Negara Malaysia LINK r TELELINK at: Blck D, Bank Negara Malaysia Jalan Dat' Onn Kuala Lumpur Tel N: Fax N: bnmtelelink@bnm.gv.my 11. Other financing packages available a) Term financing-i against ther cllaterals accepted by the Bank IMPORTANT NOTE: LEGAL ACTION MAY BE TAKEN AGAINST YOU IF YOU DO NOT KEEP UP PAYMENTS ON YOUR TERM FINANCING-i FACILITY. The infrmatin prvided in this disclsure sheet is valid as at: 09-June-2016
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