EzPayment2U - 0% Interest Installment - Easy Cash Easy Payment

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Perunding EPP: Sufian
Mobile: 019-3355399
Office: 03-89275399

YM: ezpayment2u

 

Sophy Sufian Sulaiman

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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
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Kes 1: Outstanding di bawah paras Credit Limit

Amount (RM) – Management Fee (%)* – Settlement Amount (RM) = Paid (RM)
Monthly Installment = Amount / Installment Months

Credit 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
 
*Management Fee adalah tidak tetap dan bergantung kepada bank pengeluar kad kredit yang anda gunakan dan juga berapa lama tempoh anda nak buat EPP. Lain bank, lain tempoh installment maka lain juga lah kadar 'management fee' masing-masing.

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Kes 2 Outstanding melebihi paras Credit Limit

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
 
*Management Fee adalah tidak tetap dan bergantung kepada bank pengeluar kad kredit yang anda gunakan dan juga berapa lama tempoh anda nak buat EPP. Lain bank, lain tempoh installment maka lain juga lah kadar 'management fee' masing-masing.
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Kes 3 Kad ditahan sementara oleh pihak bank

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 Amount
Amount to be paid = RM6000 – RM960 – RM6020 = (- RM980)
Customer to pay RM980

Monthly Installment = RM6000 / 24 months = RM250 monthly
 
*Management Fee adalah tidak tetap dan bergantung kepada bank pengeluar kad kredit yang anda gunakan dan juga berapa lama tempoh anda nak buat EPP. Lain bank, lain tempoh installment maka lain juga lah kadar 'management fee' masing-masing.
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Kes 4: Baki Credit Limit yang boleh digunakan tak cukup untuk Management Fee

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 settlement

Amount = Credit Limit – Limit Hold
RM10000 – RM3500 – RM1000 = RM5500
 
*Management Fee adalah tidak tetap dan bergantung kepada bank pengeluar kad kredit yang anda gunakan dan juga berapa lama tempoh anda nak buat EPP. Lain bank, lain tempoh installment maka lain juga lah kadar 'management fee' masing-masing.
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Kes 5: Kad Kredit kena tahan Credit Limit sebab ada tunggakan easy payment dan/atau Cash-on-Call

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
 
*Management Fee adalah tidak tetap dan bergantung kepada bank pengeluar kad kredit yang anda gunakan dan juga berapa lama tempoh anda nak buat EPP. Lain bank, lain tempoh installment maka lain juga lah kadar 'management fee' masing-masing.
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Kes 6 Guna kaedah EPP untuk dapat tunai melalui Cash Advance (interest lebih rendah dan tiada daily interest 1.5%)

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 Amount
Amount 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
 
*Management Fee adalah tidak tetap dan bergantung kepada bank pengeluar kad kredit yang anda gunakan dan juga berapa lama tempoh anda nak buat EPP. Lain bank, lain tempoh installment maka lain juga lah kadar 'management fee' masing-masing.
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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

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
 
*Management Fee adalah tidak tetap dan bergantung kepada bank pengeluar kad kredit yang anda gunakan dan juga berapa lama tempoh anda nak buat EPP. Lain bank, lain tempoh installment maka lain juga lah kadar 'management fee' masing-masing.
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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

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.
 
*Management Fee adalah tidak tetap dan bergantung kepada bank pengeluar kad kredit yang anda gunakan dan juga berapa lama tempoh anda nak buat EPP. Lain bank, lain tempoh installment maka lain juga lah kadar 'management fee' masing-masing.
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Ezpayment2U adalah Hakcipta Terpelihara dan diuruskan sepenuhnya oleh Ezpayment Solution (Nombor Pendaftaran SSM: SA0301460-W)