PactCapital Long Term Loans
Our Long term loans apply to home mortgages, land and property purchases and Small and Medium Enterprise funding.
our plan gives you the flexibility of choosing from a wide range of different financing packages, depending on your financial needs. To ensure a comfortable monthly installment amount, we offer a long loan tenure of up to 35 years. Click the button below to view our rates and fees for long term loans.
PactCapital Long term Loan Fees
PactCapital Fees and Rates as Applies to
Home Mortgage and SME Funding Package
| Processing Fee’
Term and Revolving Financing ·Upto RM I0 milion · RM10 million to RM20 million ·Above RM20 million |
RM50.000
RM75.000 RM100.000 |
| Amendment/ Variation of Facility Term & Condition’ | RM500 |
| Restructuring / Rescheduling of Facility1 | RM200 |
| Redemption Letter 1 Statement1 | RM100 |
| Letter of Support | RM100 for each issuance |
| Brokerage Fee
(Charged by Bursa Suq AhSila’ (BSAS) and shared equally by the Bank and Customer) |
RM15 per RM1,000,000 trade or proportionate thereof |
| Cancellation Fee1 | 0.25% of the facility limit upon cancellation of the Letter of Offer. |
| Bank Guarantee Fee
Issuance, renewal and amendments related to increase in amount and extension of expiry date/daim period |
0.125% per month or minimum RM100 per month |
| Other amendments (Other than increase in amount and extension of expiry date/daim period) | RM50 (SMEs)
RM100 (Large Enterprise) |
| Trade Finance Related
Issuance of Letter of Credit (LC) |
0.15% per month or minimum RM100 |
| Handling Fee (Handling negotiation and payment of LC) | RM100 |
| LC amendment (Extension of validity period or incremental value) | 0.15% per month or minimum RM100 |
| Other amendments to LC | RM100 |
| Issuance of Shipping Guarantee | 0.20% on invoice value |
| SWIFT charges (For foreign and local correspondences) | RM100 |
| Charges in lieu of FOREX (Administrative cost for monitoring the rate, phone, fax and etc.) | RM100 |
| Banking Operations
Audit Confirmation (Account Statement) |
RM50 (SMEs)
RM100 (Large Enterprise) |
| Telegraphic Transfer
RENTAS Fee Interbank Giro (IBG) for amount below than RM10,000 |
RM10
RM2 |
| Stamp Duty | RM10 per stamping (as per Stamp Duty Act) |
Note:
i. 1Not applicable for Micro & SMEs categories under National SME Development Council (NSDC)
ii. All the above Fees & Charges are exclusive of 6% Goods & Services Tax (GST)
PactCapital Hire Purchase Short Term Loans
We’ve put our Hire Purchase plan together see our rates and fees for hire purchase.
PactCapital Short Term Loan Fees
PactCapital List of hire purchase fees for purchase of new and reconditioned vehicles, used vehicles and after sales support services
New / Used and Reconditioned Vehicles
| Revised Standard Direct Cost | Charges/Fees (inclusive GST) |
| Photocopy charges | RM10.60 |
| Photography cost (for new reconditioned vehicles) | RM10.60 |
| Stamp Duty – without guarantor | RM20.00 |
| Stamp Duty – with guarantor | RM60.00 |
| e-Hakmilik charges | RM3.18 |
| Settlement with another finance company | RM31.80 |
| Inter-branch inspection (if required) – per inspection | RM53.00 |
| Non Home Branch Inspection Transport Charges | RM10.60 |
After Sales Support Services
| Service | Charges/Fees (inclusive GST) |
Retrieval Document
|
RM10.60 RM21.20 |
| Issuance Letter of Consent to JPJ on the change of vehicle engine | RM53.00 |
| Issuance of Letter to JPJ on interchange of registration number | RM53.00 |
| Photocopy of registration card | RM10.60 |
| Photocopy of Hire Purchase Agreement | RM10.60 |
| Renewal of Road tax | RM10.60 |
| Issuance of 2 Letter to Customs (at Port) and 1 letter to JPJ for transfer of vehicle/equipment to East Malaysia or vice versa as requested by Hirer (per transfer) | RM21.20 |
Note:
- The Bank will notify from time to time, for any change
- The Malaysian Goods & Services Tax (GST) will be imposed on all fees/charges charged by the Bank where applicable effective 1 April 2015 at the current prevailing rate.
Chargeback Expenses For Recovery Activities
Starting April 1, 2015 the following charges incurred for recovery activities will include GST:
- Mileage claim for site visit to trace the vehicle financed,
- Cost incurred in taking possession of the goods,
- Parking and toll charges
The charging of the cost will be done based on the radius :-
| Radius (KM) | Charges/Fees (inclusive GST) |
| Within 10 | RM10.60 |
| Within 30 | RM21.20 |
| Within 60 | RM31.80 |
| Within 90 | RM42.40 |
| More than 90 | RM53.00 |
Cost of Redelivery and Disposal
Effective April 1 2015, the minimum amount of RM120.00 charged as Cost of Redelivery and Disposal for ALL vehicles that have been repossessed is revised to RM127.20 inclusive of GST. The breakdown of the cost is as follows:
| Description/Services | Charges/Fees (inclusive GST) |
| Photocopy Charges | RM10.60 |
| Courier, Fax and Telephone Charges | RM10.60 |
| Colour Photographs | RM31.80 |
| Transport Expenses for inspection of cars | RM31.80 |
| Handling fees | RM31.80 |
| Valuation fees | RM10.60 |
| Total | RM127.20 |
The cost of redelivery and disposal is merely to cover abovementioned administration costs.