Vehicle Financing-i (An Naqlu 2) - Graduate Scheme

Biro Perkhidmatan Angkasa (BPA)
Salary Deduction by Employer (PGM)
Cash and Electronic Payment (For Government and GLC staff only, minimum salary RM3,500.)

Copy of MyKad
Copy of Driving License
Copy of 3 months latest salary slips
Latest Bank Statement
Letter Offer and Acceptance Letter (Compulsory for Newly employed applicant with one month / less than 3 months in service)
Copy of Certified Diploma / Degree Transcript
Vehicle Sales Order (VSO)

Items	Charges
Wakalah Fee	Wakalah or agency fee of RM28.30
Stamp Duty Fee	0.5% of total financing as contained in the Stamp Duty Act 1949
Early Settlement Fee	N/A
Issuance of letter to JPJ for change of vehicle engine no., interchange of vehicle registration no., duplicates registration card etc.	RM15.00 per document
Issuance Of Letter To Authority For Transfer Of Vehicle To East Malaysia Or Vice Versa	RM15.00 per document
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