PERSONAL FINANCING

Do we need to stamp “original sighted” on every page of bank statement for Personal Financing submission for customer with 80 pages statement

• YES

• NO

1) We accept Branch print-out for SSM company search for Mortgage. Can this be applied to Personal Financing?

• NO

• YES

Can Singaporeans customer applied for Personal Financing?

• YES

• NO

Can we use payment voucher as income statement

• Yes, with the customer’s 3 months’ bank statement must tally with the 3 months’ payment voucher

• Yes, with the customer’s 6 months’ bank statement must tally with the 6 months’ payment voucher

• NO

• NONE OF THE ABOVE

Which are not Personal Financing RM200K Loan Criteria?

• Existing to Bank (ETB) customer

• Gross monthly income ≥ RM20,000

• Age ≥ 30 years old

• Gross monthly income ≥ RM3,000

Which are below Personal Financing RM300K Loan Criteria?

• Existing to Bank (ETB) customer

• Gross monthly income ≥ RM30,000

• Approved Mortgage > RM1 Million (Main or Joint Applicant

• Preferred/ Private Banking Customers with Total AUM > RM1

  Million.

Do staff need to submit any additional form for apply tenure 6 and 7 Years?

• No, only application form and income document

• Yes, staff need to submit checklist form eligibility for 6 and 7 years tenure together with application form

  and income document

• Yes, staff need to submit checklist form eligibility for 6 and 7 years tenure together with application form.

• Yes, staff need to submit checklist form eligibility for 6 and 7 years tenure

Choose the right code for Personal Financing Campaign

• Mortgage Campaign Code = XMG

• CAW Campaign Code = XSP

• Preferred A = PRA

• Preferred B = PRB

Which are 6/7 Years Loan Tenure Eligibility & Criteria?

• Existing to Bank (ETB) customer

• Age ≥ 30 years old

• Gross monthly income ≥ RM3,000

• Gross monthly income ≥ RM30,000 ;

Which are below the right Debt Service Ration (DSR) Calculation for PF Product Gudie?

• Net Income > RM10,000 = 90%

• Net income > RM 7,000 <= RM10,000 = 85%

• Net income >= RM 3,000 <=RM 7,000 = 80%

• Net income < RM 3,000 = 65%