Information On KOJADI Education Loan Schemes 自立合作社贷学金计划
1. Prerequisites For Education Loan Application
1.1 The applicant(s) must be a member of KOJADI with RM500 initial shares in KOJADI.
1.2 At the time of application for a loan, the applicant (student) must have gained admission to an approved institution of higher learning locally or abroad.
1.3
| Requisite payment for Education Loan Application | ||
| a. | Student Membership Share |
RM500.00 |
| b. | Co-Applicant Membership Share |
RM500.00 |
| c. | Membership Entrance Fees* |
RM20.00 |
|
Total Membership Fees |
RM1,020.00 |
|
| d. | Processing Fee* (non-refundable) |
RM50.00 |
|
Total initial payment |
RM1,070.00 |
|
The following are the initial payment when submitting your application:
i. A cheque for RM1020* being membership initial share and entrance fee
ii. A cheque for RM50* being initial loan processing & administration fee
Please issue TWO(2) separate cheques/bankdrafts/wangpos to facilitate processing and made payable to “KOPERASI JAYADIRI MALAYSIA BERHAD”
| Payment for Approved Education Loan Application | ||
| e. | Processing & Administration Fee* |
RM150.00 |
| f. | Insurance Premium** |
RM133-RM4,000 |
| g. | Stamp Duty |
RM20.00 |
Loan applicant may use part of the loan approved to pay for the balance processing and administration fee, insurance premium, stamp duty and GST*
Qualification of Co-Applicant & Guarantor
1. The loan applicant must provide a co-applicant and guarantor(s) to secure the repayment of the loan (Note: co-applicant and guarantor(s) has to be two separate individuals).
(i) For loan amount applied for RM70,000 and above, the monthly income of co-applicant shall not be less than RM4,000
(ii) The number of guarantor(s) required shall depend on the loan amount applied for based on the following table:
| Loan Amount Applied For | Eligibility of Guarantor(s) |
| RM100,000 or below |
1 guarantor with monthly income not less than RM3,000; or 2 guarantors with monthly income not less than RM2,500 each |
| Above RM100,000 | 2 guarantors with monthly income not less than RM3,500 |
1. 贷学金申请条件
1.1 两位申请人都须为自立合作社社员，并缴付RM500入社股份.
1.2 在申请贷学金时，申请人(学生)须已获准进入本地或外国获准之大学学府.
1.3
| 申请贷学金所需承担的款项 | ||
| a. | 申请人(学生)的入社股份 |
RM500.00 |
| b. | 联名申请人的入社股份 |
RM500.00 |
| c. | 两位申请人的入社费* |
RM20.00 |
|
总入社申请费 |
RM1,020.00 |
|
| d. | 贷款手续费*(此收费恕不退还) |
RM50.00 |
|
共付 |
RM1,070.00 |
|
请在提呈贷款申请表格同时缴交：
i. 入社股份及入社费RM1020*
II. 部分贷款手续费及行政费RM50*
请将上述所需的费用分别以两张支票/银行汇票/邮政汇票支付予“KOPERASI JAYADIRI MALAYSIA BERHAD”
| 贷学金批准后所需承担的款项 | ||
| e. | 贷款手续费及行政费* |
RM150.00 |
| f. | 保费** |
RM133-RM4,000 |
| g. | 印花税 |
RM20.00 |
申请人可从批准的贷款额中扣除剩余的贷款手续费及行政费, 保费, 印花税及消费税*.
联名申请人及担保人资格
1. 贷款申请者须提供一位联名申请人及担保人 (注：联名申请人及担保人不能同一人).
(i) 如申请贷款额是多于RM70,000或以上，联名申请人的月入不少于RM4,000
(ii) 贷款担保人人数将根据贷款额及以下列图表而定:
| 申请贷款额 | 担保人资格 |
| RM100,000 或一下 |
一位月入不少过RM3,000的担保人：或 两位个别月入不少过RM2,500的担保人 |
| RM100,000 以上 | 两位个别月入不少过RM3,500的担保人 |
