A little bit about myself… Asrulizam Mahbob a.k.a. ASRUL Head of Mortgage Sales – Retail Finance

Introducing….. Al- Rajhi Home Financing-i

What are the current package offered under Al Rajhi Home Financing? Margin Of Financing Up to 90% of OMV or SPA price, whichever is lower Financing Amount Minimum : RM25,000 and Maximum : RM2 Million (Min Property Value – RM70K) Tenure Up to a max of 35 years Type of Properties Link Houses/Semi-Detached/ Condominium/Apartment / Service Apartment Property Valuation Report Compulsory

What are the current package offered under Al Rajhi Home Financing? Property Tenor Freehold/Leasehold/MRL. For leasehold properties, the property tenor should not be less than 40 years at the end of the financing tenor Minimum Age 21 years and max of 65 years Takaful MRTT coverage Optional. However, financing on the Protection premium are available

What are the current profit rate offered under Al Rajhi Home Financing? Currently BFR at 6.75% TENURE UP TO 35 YEARS FLOAT RATE NON-FREE MOVING COST 5.05% @BFR -1.7% FREE MOVING COST 5.25% @ BFR -1.5%

What are allowable income (DSR) to apply for Al Rajhi Home Financing? Example: Income per month - RM10,000 Other installment - RM 5,000 This Home Application Installment - RM1,000 Total Commitment - RM6,000 As such- DSR is = RM10K / RM6K = 60% from total income Allowable DSR limit up to 80% of the income

Who are the target customers under Al Rajhi Home Financing? Segment Description Prod Code Non-blue collar/non clerical employees of PLC, GLC, MNC, Government and Semi-Gov earning gross income > RM3.5K HF001 Customers with direct salary transfer to Al Rajhi Bank HF002 Joint application with spouse with salary > RM3.5K. Apps must be supported by marriage certificate HF003 Professionals, i.e. lawyers, doctors, accountants, engineers, architects and company secretaries with income > RM5.5K HF004 Customers with salary deduction at source and companies willing to provide guarantee. HF005 If financing tenor is < 10 years HF006 For first time house buyer HF007 Preferred self-employed businessman HF008

Non-blue collar/non clerical employees of PLC, GLC, MNC, Government and Semi-Gov earning gross income > RM3.5K

Customers with direct salary transfer to Al Rajhi Bank

Joint application with spouse with salary > RM3.5K. Apps must be supported by marriage certificate

Professionals, i.e. lawyers, doctors, accountants, engineers, architects and company secretaries with income > RM5.5K

Customers with salary deduction at source and companies willing to provide guarantee.

If financing tenor is < 10 years

For first time house buyer

Preferred self-employed businessman

Who are the non-target customers under Al Rajhi Home Financing? Casino and Gaming Outlet Auto workshop, auto accessories or second hand car dealer Amusement Centres or Event Management Spa, Night Club or Karaoke outlets Non-Financial Institutions that lends money to individuals Tour guides/ Machine operators/Line staff/ Beauticians Flight steward/stewardess and employees on cruise ships Drivers / Security Guard Owners of small business where average monthly turnover <RM10K, no fixed premises, no business registration, and operating < 2 years Customers from states where Al Rajhi is not represented

Casino and Gaming Outlet

Auto workshop, auto accessories or second hand car dealer

Amusement Centres or Event Management

Spa, Night Club or Karaoke outlets

Non-Financial Institutions that lends money to individuals

Tour guides/ Machine operators/Line staff/ Beauticians

Flight steward/stewardess and employees on cruise ships

Drivers / Security Guard

Owners of small business where average monthly turnover <RM10K, no fixed premises, no business registration, and operating < 2 years

Customers from states where Al Rajhi is not represented

Where are the non-target locations under Al Rajhi Home Financing? Area City Project Bkt Beruntung & Bkt Sentosa Rawang ALL Bandar Tasik Puteri/ Bdr Country Homes / Taman Rawang Perdana Rawang ALL Taman Bukit Rawang Putra Rawang ALL Taman Sentosa Klang ALL Taman Kajang Utama Kajang ALL Bdr Universiti Teknologi Lagenda Mantin, NS ALL

What are the benefit of applying under Alrajhi Home Financing? Financing up to 90% with longer tenure up to 35 years Rebate (Ibra’) for early settlement No lock in period No late payment charges No processing fees Fixed ceiling rate 10% Optional Takaful coverage Open to individual aged 21 to 65 years

Financing up to 90% with longer tenure

up to 35 years

Rebate (Ibra’) for early settlement

No lock in period

No late payment charges

No processing fees

Fixed ceiling rate 10%

Optional Takaful coverage

Open to individual aged 21 to 65 years

What are documents required to apply for Home Financing? Copy of I/C/Passport/Police or Military ID on A4 size If Employed Evidence of Income such latest 3 months Pay Slip and Bank Statements where salary credited EPF or Employment reference letter If Self-Employed Business Registration/Form 9,24&49/ MAA Latest 6 months Bank Statement Audited Account past 2 years Copy Of SPA /Title /Booking Receipt of property purchased

Copy of I/C/Passport/Police or Military ID on A4 size

If Employed

Evidence of Income such latest 3 months Pay Slip and Bank Statements where salary credited

EPF or Employment reference letter

If Self-Employed

Business Registration/Form 9,24&49/ MAA

Latest 6 months Bank Statement

Audited Account past 2 years

Copy Of SPA /Title /Booking Receipt

of property purchased

How to submit applications? All finance applications together with AFF registration form need to be submitted to any of our Direct Sales Executive together with AFF registration form Or our mailing address:- Al RAJHI BANK Ground & 1 st Floor, Pantai Junction, Plaza Pantai No 5, Jalan 4183A Off Jalan Pantai baru,59200, Kuala Lumpur Tel: 03-2283 5590/5609/7396/7991

All finance applications together with AFF registration form need to be submitted to any of our Direct Sales Executive together with AFF registration form

Or

our mailing address:-

Al RAJHI BANK

Ground & 1 st Floor, Pantai Junction, Plaza Pantai

No 5, Jalan 4183A

Off Jalan Pantai baru,59200, Kuala Lumpur

Tel: 03-2283 5590/5609/7396/7991

Questions & Answers…..

Thank You….

How much you can get in total from financing referred? 20 years financing 5 years financing 7 years financing PF 500k 1mil 2mil 3mil 4mil 5mil 8mil 10mil 15mil 20mil $4,651 $9,301 $18,603 $27,904 $37,206 $46,507 $74,412 $93,015 $139,521 $186,029 HF 100k 300k 500k 1mil 2mil 4mil 8mil 10mil 15mil 20mil $242 $727 $1,211 $2,423 $4,846 $9,691 $19,382 $24,227 $36,341 $48,455 AF 50k 100k 200k 400k 800k 1mil 2mil 3mil 5mil 8mil $71 $143 $285 $570 $1,140 $1,425 $2,851 $4,276 $7,127 $11,404