CONTOH FORMULA PENGIRAAN EPP BERDASARKAN KES
Kes 1: Outstanding di bawah paras Credit Limit
Kes 2: Outstanding melebihi paras Credit Limit
Kes 3: Kad ditahan sementara oleh pihak bank
Kes 4: Baki Credit Limit yang boleh digunakan tak cukup untuk Management Fee
Kes 5: Kad Kredit kena tahan Credit Limit sebab ada tunggakan easy payment dan/atau Cash-on-Call
Kes 6: Guna kaedah EPP untuk dapat tunai melalui Cash Advance (interest lebih rendah dan tiada daily interest 1.5%)
Kes 7: Outstanding Balance di bawah paras Credit Limit dan Pemilik kad hanya nak buat EPP untuk sebahagian sahaja daripada Outstanding Balance.
Kes 8: Outstanding Balance melebihi paras Credit Limit dan Pemilik kad hanya nak buat EPP untuk sebahagian sahaja daripada Outstanding Balance
| Kes 1: | Outstanding di bawah paras Credit Limit |
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Amount (RM) – Management Fee (%) – Settlement Amount (RM) = Paid (RM)
Monthly Installment = Amount / Installment MonthsCredit limit = RM10000
Outstanding balance = RM8400
Installment Amount = RM10000
Management Fee = 16% for 24 months = RM1600
Settlement Amount = RM8400
Amount to be paid = Installment Amount –Management Fee (%) – Settlement Amount
Amount to be paid = RM10000 – RM1600 – RM8400 = 0
Monthly Installment = RM10000 / 24 months = RM416.67 monthly |
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| Kes 2 | Outstanding melebihi paras Credit Limit |
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Credit limit = RM10000
Outstanding balance = RM9799
Installment Amount = RM10000
Management Fee = 16% for 24 months = RM1600
Settlement Amount = RM9800
Amount to be paid = Installment Amount – Management Fee (%) – Settlement Amount
Amount to be paid = RM10000 – RM1600 – RM9800 = (- RM1400)
Customer to pay RM1400
Monthly Installment = RM10000 / 24 months = RM416.67 monthly |
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| Kes 3 | Kad ditahan sementara oleh pihak bank |
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Credit limit = RM6000
Outstanding balance = RM6015
Installment Amount = RM6000
Management Fee = 16% for 24 months = RM960
Settlement Amount = RM6020
Amount to be paid = Installment Amount – Management Fee (%) – Settlement AmountAmount to be paid = RM6000 – RM960 – RM6020 = (- RM980)
Customer to pay RM980
Monthly Installment = RM6000 / 24 months = RM250 monthly |
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| Kes 4: | Baki Credit Limit yang boleh digunakan tak cukup untuk Management Fee |
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Credit limit = RM10000
Outstanding balance = RM2500
Limit Hold for Easy Payment = RM3500
Limit Hold for Cash on Call = RM1000
Installment Amount = Credit Limit – Limit Hold = RM10000 – RM3500 – RM1000 = RM5500
Management Fee = 11% for 12 months =RM605
Settlement Amount = RM2500
Amount to be paid = Installment Amount – Management Fee (%) – Settlement Amount
Amount to be paid = RM5500 – RM605 – RM2500 = RM2395
Customer get payment RM2395
This cardholder has limit freezing on easy payment and cash on call
Limit Hold for this case cannot do early settlementAmount = Credit Limit – Limit HoldRM10000 – RM3500 – RM1000 = RM5500 |
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| Kes 5: | Kad Kredit kena tahan Credit Limit sebab ada tunggakan easy payment dan/atau Cash-on-Call |
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Credit limit = RM10000
Outstanding balance = RM7800
Installment Amount = RM10000
Management Fee = 19% for 36 months = RM1900
Settlement Amount = RM780 (for card activation) + RM7020 (balance after activation) = RM7800
Amount to be paid = Installment Amount – Management Fee (%) – Settlement Amount
Amount to be paid = RM10000 – RM1900 – RM7800 = RM300
Customer get payment RM300
This card has been temporary block by the bank
Minimum payment for activate back the card is RM780
Company will do 2 times for the settlement
First company will pay RM780 and second settlement is the balance of RM7020
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| Kes 6 | Guna kaedah EPP untuk dapat tunai melalui Cash Advance (interest lebih rendah dan tiada daily interest 1.5%) |
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Credit limit = RM15000
Outstanding balance = RM0
CCE
Installment Amount = RM5000
Management Fee = 11% for 12 months = RM550
Settlement Amount = RM0
Amount to be paid = Installment Amount – Management Fee (%) – Settlement AmountAmount to be paid = RM5000 – RM550 – RM0 = RM4450
Customer get payment RM4450
Card allocated credit limit is RM15000 and the cardholder wants to do cash advance out for installment plan
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| Kes 7 | Outstanding Balance di bawah paras Credit Limit dan Pemilik kad hanya nak buat EPP untuk sebahagian sahaja daripada Outstanding Balance |
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Credit limit = RM30000
Outstanding balance = RM29500
Installment Amount = RM15000
Management Fee = 14% for 18 months = RM2100
Settlement Amount = RM14500
Amount to be paid = Installment Amount – Management Fee (%) – Settlement Amount
Amount to be paid = RM15000 – RM1950 – RM14500 = - (RM1600)
Customer to pay RM1600
This card have credit limit of RM30000
But the cardholder only wants to do the installment amount for RM15000 only
Depends on the cardholder budget for the upfront interest
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| Kes 8: | Outstanding Balance melebihi paras Credit Limit dan Pemilik kad hanya nak buat EPP untuk sebahagian sahaja daripada Outstanding Balance |
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Outstanding balance is over credit limit.
Cardholder just want to utilize Easy Payment Installment for certain amount only part from the allocated credit limit to settle some part only of the outstanding balance.
Credit limit = RM20000
Outstanding balance = RM20100
Installment Amount = RM10000
Management Fee = 16% for 24 months = RM1600
Settlement Amount = RM10100
Amount to be paid = Installment Amount – Management Fee (%) – Settlement Amount
Amount to be paid = RM10000 – RM1600 – RM10100 = - (RM1700)
Customer to pay RM1700
This card over limit
But the cardholder only wants to do the installment amount for RM10000 only
Depends on the cardholder budget for the management fee. |
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