Hire Purchase Vehicle Financing-i (Warga Emas)

Maximum margin of 90% from on sales price or invoice
Maximum financing tenure up to 9 years or not exceeding 65 years old at the end of financing tenure.
Financing limit is open and subject to customer's ability for monthly instalment commitment
Financing is for any purchase of New, Pre-Register and Unregistered Reconditioned vehicles

Individual with the age of not exceeding 65 years old at the end of financing tenure.
Public Sector Pensioner, Employee of Public and Private Sectors, Professional and Non-Fixed Income earners.

Public Sector Pensioner	Employee of Public and Private Sectors	Professional and Non-Fixed Income earners
1 Copy of MyKad 1 Copy of Driving License / Passport Size Photo
Pensioner card Latest 3 Months Bank Statements	1 Copy of Latest 3 Months Salary Slip 1 Copy of Latest 3 Months Bank Statement 1 Copy of Latest EPF Statement (for Private Sector)	Latest 6 Months Bank Statements Latest 6 Months Commission Statement (if applicable) B Form LHDN with payment receipt Form 24 & 49 for company Qualified licence / Membership for Professional applicant

Item	Charges
Stamp Duty	Hire Purchase Financing-i Agreement RM10.00 Guarantee Agreement (if any) RM10.00
Issuance of letter to JPJ for change of vehicle engine no., interchange of vehicle registration no., duplicate registration vehicle etc.	RM15.00 per document
Issuance of letter to authority for transfer of vehicle to East Malaysia or vice versa.	RM15.00 per document
Early Settlement Fee	N/A
Late Payment Charges	During the financing tenure: 1% per annum on the overdue instalment amount After expiry of financing tenure: Shall not be more than the prevailing daily overnight Islamic Interbank Money Market rate (IIMM) on the outstanding balance