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Rabu, 2 April 2014

BANK ISLAM TAWAR PEMBIAYAAN MOTOSIKAL BERKUASA TINGGI



BANK Islam Malaysia Berhad (Bank Islam) akan memperluaskan kemudahan pembiayaan kenderaan kepada pembelian motosikal berkuasa tinggi berkuat kuasa serta-merta.

Pengarah Pembangunan Perniagaan Bank Islam, Khairul Kamarudin berkata, Bank Islam menawarkan kemudahan ini bagi memenuhi permintaan dan keperluan gaya hidup semasa pelanggan.

"Kami menjangkakan peningkatan penggemar motosikal berkuasa tinggi dan rata-rata memerlukan pembiayaan bagi kenderaan itu.

"Kami melihat potensi kewangan bagi motosikal berkuasa tinggi dan segmen pasaran ini masih belum diterokai oleh Bank Islam," katanya dalam satu kenyataan yang dikeluarkan, semalam.

Margin pembiayaan untuk pembelian motosikal berkuasa tinggi adalah sehingga 70 peratus bagi tempoh tiga hingga tujuh tahun.

Kadar keuntungan yang berbeza-beza mengikut tempoh dan jenis adalah sangat kompetitif dan konsep pembiayaan adalah 100 peratus berdasarkan Syariah.

Selain pembiayaan motosikal, Bank Islam juga menawarkan kemudahan pembiayaan bagi graduan yang ingin membeli kereta pertama, ‘Gradhitz-i’ dan pembiayaan kenderaan kepada sektor swasta dan kakitangan kerajaan pada terma dan keadaan yang sangat kompetitif.

Vehicle Financing-I is based on Murabahah (Murabahah to the Purchase Orderer “MPO”, to ease your burden while owning your dream vehicle.

FEATURES

Margin of Financing

  • Up to 90% of the OTR price for national, non national, and unregistered reconditioned models
     
Financing Tenure
  • Up to 9 years
     
Financing Rate
  • Please refer to our nearest Automobile Financing Centres for the latest rates offered.
     
Eligibility
  • Individual minimum age of 18 years and above and not exceeding the 60 years at the end of payment period
  • Malaysian citizen
  • Fixed income earner
     
Documents Required
  • Photocopy of Identity Card (front and back)
  • Photocopy of valid driving licence
  • Photocopy of latest 3 months’ salary statements; and
  • Copies of latest 3 months’ bank statements (salary crediting account) ; or
  • Latest EPF statements/EA Forms
  • Other supporting documents as may deemed necessary and acceptable by the Bank for additional income support documents
     
Benefits
  • Competitive rates offered
  • Selling price : fixed and known
  • No hidden or extra charges imposed
  • Ibra’ on full settlement of the financing before its maturity
  • Fast approval
     
Ta’widh (Compensation)
  • It is hereby agreed that the Customer shall pay the Bank late payment charges by way of ta'widh (compensation) as follows:
    1. Before maturity of the Facility:
      A sum equivalent to one per centum (1%) per annum on overdue instalment(s) until date of full payment;
    2. After maturity of the Facility:
      A sum equivalent to the prevailing daily overnight Islamic Interbank Money Market Rate on outstanding balance i.e. outstanding Selling Price less ibra’ (if any);
    3. Post Judgment Debt:
      A sum equivalent to the prevailing daily overnight Islamic Interbank Money Market Rate on basic judgment sum calculated from judgment date until date of full payment.
PROVIDED ALWAYS that the above said ta’widh (compensation) rates may be varied by Bank Negara Malaysia (BNM) from time to time and shall be applied in such manner as approved by BNM.
 

General
  • Approval is based on the applicant’s personal and legal capacity, credit character, past payment patterns, and Bank Islam Malaysia Berhad (Bank Islam) requirements.
  • Application shall be processed within the acceptable turn-around time if all documents required are submitted in full subject to terms and conditions imposed.
  • All terms and conditions are subject to the financing guidelines by Bank Negara Malaysia and Bank Islam Malaysia Berhad.

     

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