PELABURAN EMAS 2 U: 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

PERSONAL BANKING » Loan / Financing » Ar-Rahnu AGRO BANK

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.