West Malaysia:
Up to RM30,000.00 - Free
RM30,001.00 to RM100,000.00 - RM100.00
Above RM100,000.00 -
RM200.00
East Malaysia:
Up to RM32,000.00 - - Free
RM32,001.00 to RM100,000.00 - RM100.00
Above RM100,000.00 - RM200.00
b.
Other housing loans
Up to RM30,000.00 - -
RM50.00
RM30,001.00 to RM100,000.00 - RM100.00
Above RM100,000.00 - RM200.00
10.2
Loan Repayment
a.
IBT cash/cheque payment:
Within same clearing
area
Different clearing
area
No charges
No charges
b.
Standing Instruction
Stamp duty: RM10.00 (for periodical
payment form)
Waive other charges
10.3
Other Charges
a.
Commitment fee on the unutilised portion
1% p.a. except for the following :
OD facilities with rates prescribed by BNM, eg. PGS
Personal OD up to RM250,000.00
OD enjoyed by Government bodies (excluding Statutory Bodies)
Deceased accounts, legal block accounts and facilities that
had been frozen by the bank due to circumstances beyond the
control of the borrower
b.
Temporary OD Excesses
< RM5,000.00
equals to or more than RM5,000.00
Interest Rate: 3.5% + BLR or as per prevailing
rate
Service charge : RM50.00 each plus
OD interest
Note : RM50.00 per request / transaction for approved unsecured
facility not exceeding RM5,000.00
Service
charge : RM100.00 each plus OD Interest
Note : RM100.00 per request / transaction for approved unsecured
facility of RM5,000.00 and above
c.
Audit confirmation
Status report from other bank
Service charge: RM30.00 per request
Service charge: RM10.00 per request
d.
Photocopying of documents
(additional)
Service charge:
Title Deed -RM 3.00 per set
Charge -RM10.00 per book
Letter Of Offer -RM 3.00 per set
Loan Statement -RM 3.00 per month
e.
CTOS search
No charges
f.
Issuance of cashier’s order for disbursement
of loan
No charges
g.
Standard legal documents
RM10.00 per copy
* No charge for Power of Attorney
h.
Late instalment/repayment:-
Penalty charge:
1% on the amount in arrears, accrued daily
1% X amount in arrears / 365
i.
Financing purchase and Refinancing
- Vacant lands
- Retail outlets in shopping complexes
- Office spaces at commercial complexes
0.25% of the loan amount subject to a minimum of RM100.00
j.
Variation for approved terms and conditions
RM50.00 per request
k.
Property inspection in lieu of formal valuation
- RM100.00 per inspection for property value of not
exceeding RM150,000
- RM200.00 per inspection for property value from RM150,001 to
RM500,000
- RM300.00 per inspection for property value above RM500,000
10.4
Hire Purchase
a.
Registration fee (for new cars) or Transfer fee (for
used cars)
RM150.00, or as determined by Jabatan Pengangkutan
Jalanraya
b.
Ownership claim
RM50.00, or as determined by Jabatan Pengangkutan Jalanraya
c.
Late instalment/repayment :
For items financed under HP act
For items not under HP act (Non-act items)
Penalty charge:
8% on the amount in arrears, accrued daily, no minimum
8% X amount in arrears / 365
Penalty charge:
Annual percentage rate + 1%
d.
Repossession
Repossession fee: RM500.00,
or as determined by panel repossessors (must be approved by respective
approving authorities)
Stockyard fee: As determined by stockyard
e.
Issuance of letter to Jabatan Pengangkutan Jalan and/or
other authority for: :
Duplicate registration card
Change of engine number
Inter-change of registration number
Driving / ferrying vehicle out of West Malaysia / East
Malaysia
Loss of release letter
Service charge :
RM10.00 per letter
RM10.00 per letter
RM10.00 per letter
RM10.00 per letter
RM50.00 per letter
f.
Settlement on behalf of customer/dealer/seller with other financial
institutions
RM50.00 per settlement
10.5
Other Charges(applicable to SME only)
a.
New / Incremental loan
application
Facility fee:
- RM100.00 for facility limit of less than RM500,000
- RM500.00
for facility limit of RM500,000 up to less than RM5,000,000
- RM1,500.00
for facility limit of RM5,000,000 and above
Note:
Facility limits of RM5,000,000 and above on bridging
loan, contract financing, share financing and term loan
on purchase of land for development basis shall be subject
to a facility fee of minimum 0.25% up to maximum of 0.50%
against the facility limit.
b.
Facility Excess Application (FEA) on new / incremental
loan application
Variation fee:
RM50.00 per request (inclusive
of but not limited to revision in pricing,
revision in repayment terms, extension of loan
availability period, revision in loan tenor and
variation in security arrangement)
Service charge:
- RM50.00 per request for amount less than RM5,000
- RM100.00
per request for amount of RM5,000 up to less than RM50,000
- RM200.00
per request for amount of RM50,000 and above
c.
Issuance of disclaimer
letter
Service charge: RM50.00 per disclaimer letter
d.
Withdrawal from housing
development account
Service charge: RM50.00 per transaction
e.
Disbursement for BL/OD(AAPC)/TL(AAPC)
Service charge:
- RM100.00 per disbursement for amount of less than RM1,000,000
- RM200.00 per disbursement for amount of RM1,000,000
and above
f.
Issuance of redemption letter for settlement / refinancing of
loan
