Thursday, 19 August 2010

Rate Baru AGRO BANK

Aug192010
Assalamulaikum dan salam sejahtera, Sepertimana yang saya masukkan maklumat dalam facebook saya pagi semalam (19/08/2010) rate emas 999.9 & 916 untuk gold bar & gold coin telah di revise seperti berikut:
·         Rate 999.9 (gold bar) = RM148.50/g (rate lama RM126/g)
·         Rate 916 (gold coin) = RM136.20/g (rate lama RM115/g)
Dan kadar pinjaman utk Gold Bar telah dinaikkan kepada 70% - dalam tempuh promosi
Ar-Rahnu Ar-Rahnu
Agrobank provides credit services based on Syariah Al-Qard principal, which is loans amounted at RM 10,000 needs to be pay back at RM 10,000. Credit given must have an item pawned or kept by the bank. A pawned /kept item that is used in this process is in the form of jewelleries or gold wafers. These pawned items are kept by the bank based on the Al-Wadiah Yad Dhamanah and are ensured of its safety. Pawned/kept items will be charged with some service fee.
Terms & Conditions
·         Open to all individual or non-individual who is Malaysian citizens.
·         Aged 18 years old and above
Limitations
·         Maximum RM 50,000 ( RM 10,000 per day )
·         Minimum RM 100
Period of Services
·         6+3+2 months (The period for the first service is for 6 months, and can be extended to 3 months more and another final extension for 2 months more)
Types of Pawned Items Accepted
·         All types of jewelleries made in gold, such as: rings, hand and legs bracelets, brooches or others.
·         Pound Gold and White Gold are not accepted.

Storage Fees
Margin financing
Storage fee rate
50% and below
RM0.50/100
50.1% to 60%
RM0.60/100
60.1%  to 70%
RM0.75/100


Redeeming Pawned / Kept Items
·         Redemption can be made in stages or at once or anytime before or after the deadline.
·         depends on the latest amendment of the bank policies
Advantages of Ar-Rahnu Schemes
·         Financing through Syariah law
·         Fast, Easy and Secure. Kept items are ensured of its safety.
·         Cheaper than conventional prawn services
·         Storage fees are static until full redemption
·         Longer pawn/kept period
·         No penalties
·         Balances of the auction will be returned to the customer.

Guidelines
Application
·         Fill up the forms at the Ar-Rahnu counters
·         A copy of National Identification Card
·         The jewelleries that are being pawned.
·         Send to Ar-Rahnu counter for processing and get instant cash.

Installment Payment
·         Pay directly to the teller at the counter by only showing the Pawned Letters (Surat Gadaian).
·         Unlimited payment times

Full Redemption
·         Bring along pawned letters with full redemption payment
·         A representative should provide the pawned letters along with the customer’s IC
·         Extention of the payment
·         Bring the Pawned Letters and storage fees

Lost of Pawned Letters
·         Bring the certification letters (Surat Akuan Sumpah) that are certified Pesuruhjaya Sumpah and a copy of Pawned Letters will be given without additional fees.




3 comments:

  1. I like Dinar.and its revaluation of currency.
    Dinar

    ReplyDelete
  2. MACAM MANA HENDAK MELABUR? BOLEH KONGSI CARA-CARA?

    ReplyDelete

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