PRODUCT DISCLOSURE SHEET
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1 PRODUCT DISCLOSURE SHEET (Read this product Disclosure Sheet before you decide to take up the KFH MURABAHAH PERSONAL FINANCING-i UMRAH & HAJ. Be sure you also read the general terms and conditions) 1. What is the nature of this product? Kuwait Finance House (Malaysia) Bhd KFH MURABAHAH PERSONAL FINANCING-i UMRAH & HAJ Date: 1 June 2011 This is an Islamic personal financing, offered to the individuals, calculated on a flat rate basis. 2. What is the applicable Shariah Concept? Murabahah is selling of an asset at the purchase price plus a defined and agreed profit mark-up (cost plus profit sale). Literally Tawaruq is originated from the word wariq which means dirham (money) made from silver, this concept is used for the cash financing facility, where a customer with a genuine need buys something on credit from the Islamic bank on a deferred payment basis, based on Murabahah and then resells it for cash to a third party. In this way, the customer can obtain cash without taking an interest based loan. 3. What are the features of this product? Profit rate Financing Amount Margin of Financing Minimum Income Financing Tenure : Very competitive rates will be communicated to customers via various channels of communications : Minimum of RM5, up to RM100, : Margin of 60% from aggregated salary/income unless specified otherwise : Minimum of RM Gross per month : Minimum of 2 Years to 7 years or up to a maximum of 55 years old of age. 4. What are my obligations? Monthly Installment Amount Customers are required to pay a monthly installment amount which is fixed throughout the tenor. (the last installment amount may be higher and lower than the fixed installment amount). Customer is required to execute a Standing Instruction Form authorizing debiting of the account for the purpose of installment payment. Deposit Accounts Customer is required to open a deposit account with a minimum of RM for the purpose of disbursement of the relevant financing amount, if any.
2 5. What are the fees and charges I have to pay? Stamp Duty : Advalorem amount of 0.5% (subject to changes imposed by the Government) Takaful Premium : Depending on the tenor, amount, age and gender of the customer In the event of death or permanent disability, the takaful coverage will be used to pay off the outstanding financing amount. 6. What if I fail to fulfill my obligations? 1% of the late payment charges (Compensation charge) will be charged if installment is paid after the due date. Right to set-off. We have the right to set off any credit balance in your account maintained with us, against any outstanding balance in this financing account. 7. What if I fully settle the financing before its maturity? You may settle the financing facility earlier, however rebate will be granted solely at the Bank s discretion. 8. What are the major risks? Should you encounter any difficulty in meeting your obligations, please contact us in advance to discuss repayment alternatives. This is to avoid legal action if you are unable to pay your monthly installments. 9. Do I need a guarantor or collateral? No guarantor is required unless the financing amount exceeds RM50, What should I do if there are changes to my contact details? It is important that you inform us of any change in your contact information, to ensure that all correspondences reach you in a timely manner. 11. Where can I get further information? Should you require and additional information on KFH MURABAHAH PERSONAL FINANCING-i UMRAH & HAJ please refer to the product brochure available at all our branches or visit our website If you have any enquiry regarding our products and services please contact us at, Kuwait Finance House (Malaysia) Berhad Level 18, Tower 2, Etiqa Twins, 11, Jalan Pinang, P.O.Box 10103, Kuala Lumpur, Malaysia. General Line: General Fax:
3 12. Other Personal Financing products available KFH Murabahah Personal Financing-i KFH Murabahah Personal Financing-i (Government) IMPORTANT NOTE: LEGAL ACTION MAY BE TAKEN AGAINST YOU IF YOU DO NOT CONTINUE MAKING REPAYMENTS ON YOUR KFH MURABAHAH PERSONAL FINANCING-i. The information provided in this disclosure sheet is valid as at 01/06/2011.
4 LAMPIRAN PENDEDAHAN PRODUK (Sila baca Bahagian Pendedahan Produk ini sebelum anda membuat keputusan untuk mengambil KFH MURABAHAH PEMBIAYAAN PERIBADI-i UMRAH & HAJI. Pastikan anda juga membaca terma-terma dan syarat-syarat produk ini) Kuwait Finance House (Malaysia) Bhd KFH MURABAHAH PEMBIAYAAN PERIBADI-i UMRAH & HAJI Tarikh: 1 Jun Apakah sifat produk ini? Produk ini adalah produk pembiayaan peribadi Islam yang ditawarkan kepada individu dengan pengiraan berasaskan kadar yang tetap. 2. Apakah konsep Shariah yang digunakan? Murabahah adalah merupakan suatu konsep penjualan aset pada harga beli ditambah dengan keuntungan (kos tambah dengan keuntungan jualan) yang dipersetujui. Tawaruq Harfiah berasal daripada perkataan wariq yang bermaksud dirham (wang) yang diperbuat daripada perak, konsep ini digunakan untuk kemudahan pembiayaan tunai, di mana pelanggan yang benar-benar memerlukan untuk membeli sesuatu secara kredit daripada Kuwait Finance House (Malaysia) Berhad dengan pembayaran tangguhan, berdasarkan Murabahah dan kemudian dijual balik kepada pihak ketiga untuk mendapatkan tunai. Dengan cara ini, pelanggan boleh memperolehi tunai tanpa mendapatkan pinjaman yang menghasilkan faedah. 3. Apakah ciri-ciri yang ada pada produk ini? Kadar keuntungan JumlahPembiayaan Margin Pembiayaan Pendapatan Minima : Pelanggan akan di beritahu tentang kadar keuntungan yang terkini menerusi pelbagai saluran komunikasi yang disediakan oleh pihak Bank : Minima RM5, sehingga RM100, : Margin 60% dari jumlah gaji / pendapatan : Minima RM5, setiap bulan Tempoh Pembiayaan : Minima 2 hingga 7 tahun atau sehingga umur maksima 58 tahun
5 4. Apakah kewajipan saya? Jumlah Ansuran Bulanan Pelanggan-pelanggan dikehendaki membayar jumlah ansuran bulanan yang telah ditetapkan sepanjang tempoh pembiayaan. (jumlah bayaran ansuran yang terakhir boleh jadi lebih tinggi atau lebih rendah dari jumlah bayaran ansuran tetap). Pelanggan hendaklah melengkapkan Surat Arahan Tetap membenarkan akaun di debitkan untuk membuat pembayaran ansuran bulanan. Akaun Simpanan Pelanggan hendaklah membuka satu akaun deposit KFHMB dengan simpanan minima sebanyak RM bagi tujuan pembayaran jumlah pembiayaan berkenaan, jika ada. 5. Apakah yuran dan caj yang perlu saya bayar? Duti Stem : Jumlah Advalorem 0.5% dari jumlah pembiayaaan. (tertakluk kepada perubahan yang dilakukan oleh pihak Kerajaan) Premium Takaful : Bergantung kepada tempoh, jumlah pembiayaan, umur dan jantina pelanggan. Jika berlaku kematian atau hilang keupayaan, perlindungan takaful akan digunakan untuk membayar balik pembiayaan yang belum selesai. 6. Bagaimanakah jika saya gagal memenuhi kewajipan saya? Bayaran 1% diatas kelewatan pembayaran (kos pampasan) akan dikenakan sekiranya ansuran dibayar selepas tarikh tempoh tamat. KFHMB mempunyai hak untuk membuat penolakan dari mana-mana baki kredit yang terdapat di dalam akaun anda yang masih dibuka dengan kami, terhadap mana-mana tunggakan di dalam pembiayaan ini. 7. Bagaimanakah jika saya menyelesaikan pembiayaan ini sebelum tamat tempoh? Anda boleh menyelesaikan kemudahan pembiayaan ini secara awal, tetapi potongan harga akan diberikan atas budi-bicara pihak Bank. 8. Apakakah risiko utama? Sekiranya terdapat sebarang kesulitan dalam memenuhi kewajipan, sila hubungi kami dahulu untuk membincangkan alternatif pembayaran yang lain. Ini adalah bagi mengelak dari dikenakan tindakan undang undang sekiranya anda tidak membuat pembayaran balik bulanan. 9. Adakah saya memerlukan penjamin atau cagaran? Tiada penjamin diperlukan kecuali pembiayaan anda melebihi jumlah RM50,
6 10. Apakah yang harus dibuat sekiranya terdapat perubahan pada maklumat perhubungan saya? Ini adalah penting untuk memberitahu kami sekiranya terdapat perubahan pada maklumat perhubungan anda, untuk memastikan sebarang surat-menyurat akan sampai tepat pada masanya. 11. Dimanakah saya boleh mendapatkan maklumat selanjutnya? Jikalau anda ingin mendapat maklumat yang lebih lanjut berkenaan dengan KFH MURABAHAH PEMBIAYAAN PERIBADI-i UMRAH & HAJI, anda boleh merujuk pada risalah produk yang terdapat di semua cawangan atau melayari di laman web kami di Sekiranya anda terdapat sebarang pertanyaan mengenai produk-produk dan perkhidmatanperkhidmatan, sila hubungi kami di, Kuwait Finance House (Malaysia) Berhad Level 18, Tower 2, Etiqa Twins, 11, Jalan Pinang, P.O.Box 10103, Kuala Lumpur, Malaysia. Talian Umum: Faks Umum : Produk Pembiayaan Peribadi yang lain ialah KFH Murabahah Pembiayaan Peribadi i KFH Murabahah Pembiayaan Peribadi i (Kerajaan) CATATAN PENTING: TINDAKAN UNDANG-UNDANG BOLEH DIAMBIL TERHADAP ANDA JIKA ANDA INGKAR DALAM PEMBAYARAN SEMULA KFH MURABAHAH PEMBIAYAI PERIBADI-i ANDA. Maklumat yang diberi di lampiran pendedahan produk ini adalah sah pada 01/06/2011.
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