BANK SIMPANAN NASIONAL SPD SARA1M
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- Dwight Sullivan
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3 Borang Penzahiran Maklumat Sila baca borang ini sebelum anda membuat keputusan untuk menerima tawaran Bank Simpanan Nasional SPD SARA1M Sila pastikan anda juga membaca terma dan syarat Pinjaman BANK SIMPANAN NASIONAL SPD SARA1M 1. Apakah ciri-ciri produk ini? Warganegara Malaysia berumur 18 hingga 58 Ahli Amanah Saham 1 Malaysia (AS1M) Jika pemohon bukan ahli AS1M, pemohon perlu melengkapkan Borang Pendaftaran Unit Amanah Akaun Dewasa (P1) Mempunyai pekerjaan tetap atau bekerja sendiri atau berniaga atau lain-lain Jumlah pendapatan seisi rumah sebulan sebanyak RM 500 hingga RM 3,000 Berkahwin/ibu atau bapa tunggal Pemegang Akaun BSN 2. Apa yang boleh saya perolehi dari produk ini? Had Pinjaman RM5,000 Tempoh Pinjaman 60 bulan. 3. Apakah tanggungjawab saya? Bayaran ansuran bulanan (Bulan 1-59) 84 Bayaran ansuran bulanan (Bulan 60) 44 Jumlah keseluruhan Pinjaman yang perlu dibayar balik, termasuk jumlah pinjaman 5,000 PENGIRAAN = Jumlah Pinjaman tempoh (bln) = 5000 / 60 = Ansuran bulanan = RM84 Jumlah ansuran = (RM 84 x 59 bulan) + (RM 44 x 1 bulan) = RM4,956 + RM44 = RM5, Apakah yuran dan bayaran lain yang perlu dibayar? a) Duti Setem mengikut kadar LHDN Tiada b) Insurans Tiada c) Ansuran Terdahulu Tiada d) Fi Wasiat Tiada 5. Apakah implikasi sekiranya saya gagal melaksanakan tanggungjawab? Bank akan membuat jualan balik paksa (force sale) dengan notis kepada peminjam apabila menerima arahan dari SPV jika pelanggan gagal membuat bayaran pokok pinjaman selama tiga (3) bulan berturut-turut atau jumlah keseluruhan bayaran untuk tiga bulan berturut-turut adalah kurang daripada bayaran bulanan pokok. BSN akan memulangkan amaun pokok pinjaman yang telah dibayar ke dalam akaun Pelanggan BSN. 6. Bagaimana jika saya membuat penyelesaian awal? Penyelesaian awal pinjaman tidak dibenarkan 7. Apakah Risiko Utama yang akan saya hadapi? Bank berhak membuat JualanBalik Paksa sekiranya Pelanggan gagal membuat bayaran pokok pinjaman selama tiga (3) bulan berturut-turut atau jumlah keseluruhan bayaran untuk tiga bulan berturut-turut adalah kurang daripada bayaran bulanan pokok 8. Adakah sandaran atau penjamin diperlukan? Sandaran atas nama Bank Simpanan Nasional. Tiada Penjamin.
4 9. Apakah yang perlu dilakukan sekiranya terdapat perubahan pada Maklumat perhubungan saya? Adalah penting untuk anda memaklumkan kepada kami mengenai sebarang perubahan maklumat peribadi agar sebarang surat-menyurat, anda terima tepat pada masanya. Untuk mengemaskini maklumat anda, sila hubungi kami di talian atau kunjungi salah satu daripada 389 cawangan kami di seluruh Negara. 10. Di manakah saya boleh mendapat Maklumat lanjut? Sebarang pertanyaan atau maklumat, sila hubungi Khidmat Pelanggan 117, Jalan Ampang, Kuala Lumpur Telefon : servicemanager@bsn.com.my Website : Lain-lain produk Pinjaman Peribadi BSN Bil Produk / Skim Konsep Segmen 1 BPA Islamik / Konvensional Kakitangan kerajaan 2 Exec1 Islamik / Konvensional Swasta (public listed co) 3 MyHome Islamik Kakitangan Kerajaan / Swasta 4 PruBSN Islamik Kakitangan PruBSN 5 SKAP Islamik / Konvensional Kakitangan kerajaan Persekutuan 6 SKAN Islamik / Konvensional Kakitangan Kerajaan Negeri 7 PRIMA Islamik Doktor / Pegawai Perubatan 8 Sandaran SSP Islamik Pemegang Sijil Simpanan Premium 9 Sandaran ASB Islamik Pemegang Sijil ASB 10 Sandaran Mudharabah Islamik Pemegang Sijil Mudharabah BSN 11 Sandaran Sijil Simpanan Tetap Konvensional Pemegang Sijil Simpanan Tetap BSN 12 SCOP Islamik / Konvensional Polis DiRaja Malaysia (PDRM) 13 SPIK Islamik / Konvensional Institusi Kewangan (Kakitangan Bank) PERINGATAN TINDAKAN UNDANG-UNDANG AKAN DIKENAKAN TERHADAP TUAN/PUAN JIKA GAGAL MENJELASKAN BAYARAN ANSURAN BULANAN. Maklumat di borang penzahiran ini adalah sah setakat BSN PDS 13 Jan 2012
5 PRODUCT DISCLOSURE SHEET Please read this Product Disclosure Sheet before you decide to take up the Bank Simpanan Nasional SPD SARA1M Be sure to also read the general terms and conditions. BANK SIMPANAN NASIONAL SPD SARA1M 1. What is this product about? Malaysian citizens aged years Amanah Saham 1 Malaysia (AS1M) subscriber. If the applicant is not a AS1M subscriber, the applicant must complete P1 form (Borang Pendaftaran Unit Amanah Akaun Dewasa) Permanent employment or Self-employed or in business or other Total household income per month of RM 500 to RM 3,000 Married/widowed with child BSN account holder 2. What do I get from this product? Loan RM 5,000 Tenure 60 month 3. What are my obligations? Monthly Installment (Month 1-59) 84 Monthly Installment (Month 60)) 44 The total amount you must pay including the amount borrowed is 5,000 Calculation = Loan amount tenure (months) = 5000 / 60 = Monthly instalment = RM 84 Total instalments = (RM 84 x 59 months) + (RM 44 x 1 month) = RM 4,956 + RM 44 = RM 5, What are the fees and charges I have to pay? a) Stamp Duty (As per the Stamp Duty Act 1949 (Revised 1989) Nil b) Insurance Nil c) Advance Payment Nil d) Will Fee Nil 5. What if I fail to fulfill my obligations? Bank will make a forced sale upon notification to the borrower once receiving instructions from the SPV if the customer fails to pay the monthly payment for three (3) consecutive months or total payments for three consecutive months is less than the monthly payment of the principle. Bank will refund principle payment received to the customers BSN account. 6. What if I fully settle the loan before maturity? Early settlement is not allowed. 7. What are the major risks? Bank has a right to make Forced sale if Customer fails to pay the monthly payment for three (3) consecutive months or total payments for three consecutive months is less than the payment of the principal.
6 8. Do I need a guarantor or collateral? Guarantor not applicable for this product. Collateral in the name of Bank Simpanan Nasional. 9. What do I need to do if there are changes to contact details? It is important that you inform us any change in your contact details (in writing or ) to ensure that all correspondences reach you in the timely manner. To update you correspondences details, please contact us at or visit any of our 389 branches nationwide. 10. Where can I get further information? For further clarification, please refer to our brochures or drop by our nearest branches or call or fax or visit You also may write to us at; Customer Service, Customer Service Unit, 117, Jalan Ampang, Kuala Lumpur servicemanager@bsn.com.my 11. Other personal financing packages available Bil Product / Scheme Concept Segment 1 BPA Islamic / Conventional Government Servant 2 Exec1 Islamic / Conventional Private employee (public listed co) 3 MyHome Islamic Government / private employees 4 PruBSN Islamic PruBSN employees 5 SKAN Islamic / Conventional Government State employees 6 SKAP Islamic / Conventional Government Federal employees 7 PRIMA Islamic Doctors / Medical officer 8 SSP Pledging Islamic SSP Holder 9 ASB Pledging Islamic ASB Holder 10 Mudharabah Pledging Islamic Mudharabah Holder 11 STT Pledging Conventional BSN Fixed Deposit Holder 12 SCOP Islamic / Conventional Polis Diraja Malaysia (PDRM 13 SPIK Islamic / Conventional Financial Institution (Staff Bank) IMPORTANT NOTE: LEGAL ACTION MAY BE TAKEN AGAINST YOU IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR PERSONAL FINANCING The information provided in this sheet is valid as at BSN PDS 13 th Jan 2012
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