“Skim Sara 1Malaysia” What are the benefits? How to apply?


“Skim Sara 1Malaysia” was initially brought up by our beloved Prime Minister Dato’ Seri Najib during the presentation of the 2012 Malaysia Budget was launched yesterday.

This scheme will be beneficial to more than 100,000 citizens with monthly income of RM3000 and below.Therefore, if your goodself is eligable to enjoy this benefit, please go to any PNB office or any participating bank near you.

The application will be opened starting 30th January 2012 first come first served basis. The application will be open for 1 year from the date the application is made open to the public or until the fund allocation has been fully utilized, whichever comes first.

Therefore, we do encourage the Malaysian citizens to start applying on the 30th January 2012 with complete documentations to avoid any issues to your application.

Through this Scheme, eligible Malaysians will have the opportunity to apply for a RM5,000 loan from participating financial institution to invest in Amanah Saham 1Malaysia (AS 1Malaysia).

How to make loans under the SARA 1 Malaysia

Investors of SARA 1Malaysia are eligable to apply for financial loan up to RM5000 with payback period of 5 years. Participating banks are Maybank, CIMB,RHB and BSN.

The SPV will provide guarantee for the investments in SARA 1Malaysia, a special scheme aimed at encouraging the lower income group to save and invest. The scheme is a hybrid of a unit trust investment and loan product, capable of generating consistent cash flow or monthly incentives.

REQUIRED DOCUMENTATION

MAIN DOCUMENTS
Borang Permohonan Penyertaan Skim Amanah Rakyat 1Malaysia (BPPSARA1M)
Borang Pembiayaan dari Institusi Kewangan terlibat
Borang Pendaftaran Unit Amanah Akaun Dewasa ASNB P1
Borang Pelaburan Tambahan ASNB 21
Borang Jualan Balik ASNB 31
Borang Pembaharuan Buku Pelaburan BS3
Penyata Pendedahan Risiko/ Risk Disclosure Statement (RDS)
Dokumen Sokongan
Kad Pengenalan asal pemohon dan 2 salinan
Kad Pengenalan asal pasangan (jika berkenaan), dan 1 salinan
Dokumen Pengesahan Pendapatan

For all working applicants and/or partner, please include the latest 3 months payslip OR the latest bank statement, original and copy.

For those who doesn’t have a payslip or a babnk statement, you will need to fill in the declaration section in the BPPSARA1M Section C.

The BPPSARA1M MUST be signed in front of ONE witness who must be either one of the following :
Employer
Village Head
Officer of the Jabatan Kemajuan Orang Asli
Government Officer from the management or professional group
State Assemblymen
Members of the Parliament

PRE REQUISITES
The applicationis open to all Malaysians between the age of 18-58 years old
Housewhole earning must be RM3000 or less
The applicant must not be declared bankcrupt within the duration of the loan
Other criterias set by the banks

Applicant and/or partner are not receiving any other special schemes from the government under the management of ASNB:
Program Bantuan Pembangunan Rakyat Termiskin (PPRT);
ASB Sejahtera; and
ASW 2020 Bandar

The applicant and/or partner do not have any investment in any ASNB Unit Trust OR
If the applicant does have, the collective investment must be RM10,000 or less.
The Status of the ASNB Unit Trust Account must be clean

The application depends on the distribution policy that has been stated and availibility :
Bumiputera – 50%
Chinese – 30%
Indian – 15%
Others – 5%

Only 1 from a housewhole is eligable for the loan
Approved loan muxt be from the same bank.

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31 Responses to “Skim Sara 1Malaysia” What are the benefits? How to apply?

  1. thanks for the information… this realy help me.

  2. adminbnkj says:

    good to know :)
    if you are eligible, do apply..

    have a great day ahead.

  3. L.Ganesh says:

    Good! This is what I was waiting for a long time. I appreciate the move made by the government. May the program benefit the Malaysians.

  4. i love your blog, i have it in my rss reader and always like new things coming up from it.

  5. CAN BUY MORE THAN 5 ,000

  6. mohd zain shamsudin says:

    saya nk tanya,sekiranya nama saya sudah blacklist boleh ke saya melabur dlm saham ini?

  7. apa jadi kami pesara yang menerima pencen RM3070
    Hidup kami lebih susah dari mereka yang mengaku pendapatan bawah RM3000. Ada diantara nereka menggunakan honda accord tetapi bila kerja sediri mengaku pendapatan kecikl.

  8. Lee Kook Fatt says:

    Is this applicable to those who just retired in last December 2011? If yes, then how to apply? Pls advise.

    • adminbnkj says:

      Hi there,

      The Terms and Conditions as well as the prerequisites are stated in the article. It doesn’t specify if a retiree can or cannot apply.. but the applicant needs to be within the age of 18-58 and the housewhole earning needs to be RM3000 and below.

      You may want to visit the participating banks like BSN, Maybank, CIMB to proceed.

      Thanks

  9. Ruslan N says:

    Orang bujang yang takde tanggungan bole apply kah and kalau tidak mahu loan, bole kah beli tunai

    • adminbnkj says:

      Maaf tetapi definisi kelayakan seisi rumah adalah :
      Isi rumah berpendapatan antara RM500 hingga RM3,000 sebulan, hasil kombinasi pendapatan antara suami dan isteri atau ibu bapa tunggal.

  10. hisamudin lan says:

    Isteri saya tidak bekerja manakala pendapatan bulanan saya 3100+ .Layak kah isteri saya memohon saham ini?

  11. didi says:

    sy bujang blh x sy ikut skim ni…

    • adminbnkj says:

      Maaf tetapi definisi kelayakan seisi rumah adalah :
      Isi rumah berpendapatan antara RM500 hingga RM3,000 sebulan, hasil kombinasi pendapatan antara suami dan isteri atau ibu bapa tunggal.

  12. shima says:

    dimana kami boleh mendapatkan borang?

  13. Lorenza says:

    Saya sudah berkahwin dan memiliki pelaburan dekat ASNB. Pendapatan kami suami isteri adalah di bawah RM3,000. Boleh kah suami memohon SARA 1Malaysia kerana dia tdk memiliki sebarang pelaburan dgn mana-mana tbg unit amanah. Kami juga memiliki tanggungan lain spt loan kereta dan rumah.

  14. jambul says:

    rm134 sebln dividen…..jd tiap2 bulan kena bayar berapa….kita byr ke atau kena potong drpd dividen rm134

  15. rohana t mohd nor says:

    masih xfaham.ada yg kata xperlu byr…ada yg kata kena byr…tolong jelaskn…

  16. ahmad haizal bin zainal abidin says:

    salam, saya dari manjung perak,leh ke kalau saya memohon tanah cm mne yg lain dpt…saya tiada tanah,tiada rumah hanye menumpang rumah kakak saje..di sebabkan tiada ibu dan ayah..tiada ke bantuan kepada orang macam saya ni..

    • adminbnkj says:

      salam tuan,

      mohon rujuk pada jabatan kebajikan masyarakat setempat.. Dalam masa yang sama, jika tuan menepati syarat-syarat kelayakan, Tuan boleh memohon Bantuan Rakyat 1 Malaysia.

      Sekian

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