Difference between revisions of "Loan"
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! colspan="2"| Comparison | ! colspan="2"| Comparison | ||
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| − | | || || '''SFS Circular No. 5/2013-<br>Maximum Eligibility<br>(RM)''' || '''SFS Circular No. 4/2002-<br>Maximum Eligibility<br>(RM)''' | + | | || || <center>'''SFS Circular No. 5/2013-<br>Maximum Eligibility<br>(RM)'''</center> || <center>'''SFS Circular No. 4/2002-<br>Maximum Eligibility<br>(RM)'''</center> |
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| − | | 1. || VU5 and above || 450,000 || 350,000 | + | | 1. || VU5 and above || <center>450,000</center> || <center>350,000</center> |
|- | |- | ||
| − | | 2. || VU6 and VU7 || 400,000 || 300,000 | + | | 2. || VU6 and VU7 || <center>400,000</center> || <center>300,000</center> |
|- | |- | ||
| − | | 3. || 47-54 (Category I & II) || 380,000 || 250,000 | + | | 3. || 47-54 (Category I & II) || <center>380,000</center> || <center>250,000</center> |
|- | |- | ||
| − | | 4. || 41-46 (Category IV) || 320,000 || - | + | | 4. || 41-46 (Category IV) || <center>320,000</center> || <center>-</center> |
|- | |- | ||
| − | | 5. || Category IV & V (JKK A24, B1 & B2) || - || 200,000 | + | | 5. || Category IV & V (JKK A24, B1 & B2) || <center>-</center> || <center>200,000</center> |
|- | |- | ||
| − | | 6. || 13-40 (Category V-XI) || 250,000 || 140,000 | + | | 6. || 13-40 (Category V-XI) || <center>250,000</center> || <center>140,000</center> |
|- | |- | ||
| − | | 7. || 11-12 (Category XI) || 180,000 || 70,000 | + | | 7. || 11-12 (Category XI) || <center>180,000</center> || <center>70,000</center> |
|- | |- | ||
| − | | 8. || 1-10 (Category XI) || 140,000 || 70,000 | + | | 8. || 1-10 (Category XI) || <center>140,000</center> || <center>70,000</center> |
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==Vehicle Loans== | ==Vehicle Loans== | ||
<small>(Interest Subsidy on vehicle loans)</small> | <small>(Interest Subsidy on vehicle loans)</small> | ||
Revision as of 16:23, 10 November 2021
Housing Loan
(Interest Subsidy on housing loans)
Requirements:
a. Permanent / JBC Officer
b. Confirmed in service
c. Ability to repay the loan and its benefits
d. Able to explain the difference between the purchase price and the loan
e. Not the one who owes a sentence or a bankrupt
f. Depending on the quota set
Maximum Eligibility
| No | Category/Grade |
Comparison | |
|---|---|---|---|
| Maximum Eligibility (RM) |
Maximum Eligibility (RM) | ||
| 1. | VU5 and above | |
|
| 2. | VU6 and VU7 | |
|
| 3. | 47-54 (Category I & II) | |
|
| 4. | 41-46 (Category IV) | |
|
| 5. | Category IV & V (JKK A24, B1 & B2) | |
|
| 6. | 13-40 (Category V-XI) | |
|
| 7. | 11-12 (Category XI) | |
|
| 8. | 1-10 (Category XI) | |
|
* State Financial Secretary’s Office Circular No.5/2013 – Government Officer’s Housing Loan Scheme (Amendments) 2013.
Refund Period
Maximum 25 years or before reaching 55 years or reaching the age of 60 years for officers who choose options according to Pekeliling Bil. 13 Tahun 2011.
Subsidy Eligibility
3% of the loan interest is borne by the officer and the remaining interest rate is borne by Pustaka
Vehicle Loans
(Interest Subsidy on vehicle loans) Subject to the Surat Pekeliling (Perj. Bil. 15/2009) dated 25 June 2009: Pindaan Had Kelayakan Pinjaman/Pembiayaan Membeli Kereta dan Motosikal Bagi Pegawai Perkhidmatan Awam Negeri Sarawak.
Requirements:
- Permanent officer.
- Have a driver's license.
- Able to pay the difference between costs and loans.
- Vehicles to be purchased are for personal use and not used by others.
- Depending on the quota that has been set.
- Car loans have been extended to officers in the support group (Grades 21 - 30) subject to the above conditions and additional conditions as follows:
-Duration of service from first appointment (at least five (5) years of service).
-Confirmed in service
| Qualification (Car) | RM |
|---|---|
| Grade VU7 and above | 70,000 |
| Category 41 until 54 | 65,000 |
| Category 40 and below | 55,000 |
| Qualification (Motorcycle) | RM |
| For All Category | 5,000 |
Refund Period
| New Car | not exceeding 9 years / 108 month (maximum) |
| Used Car | not exceeding 8 years / 96 month (maximum) |
| New Motorcycle | not exceeding 5 years / 60 month (maximum) |
| Used Motorcycle | not exceeding 3 years / 36 month (maximum) |
Subsidy Eligibility
The interest rate (%) of the loan is borne by the officer and the remaining interest rate is borne by Pustaka
Computer Loan
Requirement :
- Permanent officer
- Ability to repay the loan and interest loan
- Depending on the quota that has been set
Maximum Eligibility:
RM 5,000 (for all Category)
