Revised Repayment / Rescheduled  & Restructured Arrangement (2023 RA)

Revised Repayment / Rescheduled & Restructured Arrangement (2023 RA)

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2023 Standard RA Package (Digital and Manual Application)

Option

Income Reduction

1st 6 months

7th to 12th Month

13th Month onwards

1

> 50%

  1. 50% of existing monthly instalment; OR
  2. Monthly loan interest/financing profit/rental

    (whichever is higher)

  1. 75% of existing monthly instalment; OR
  2. Monthly loan interest/financing profit/rental

    (whichever is higher)

Resume 100% existing instalment

2

<50%

  1. 75% of existing monthly instalment; OR
  2. Monthly loan interest/financing profit/rental

    (whichever is higher)

(With re-amortisation based on original monthly instalment amount @ prevailing interest rate/profit/rental rate with extension of loan/financing tenure)

Notes:

  1. Conventional Loan : Compounding interest at prevailing interest rate.
  2. Islamic Financing : Non-compounding basis in accordance to Shariah principles.