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FAQ : Payment - Computer And Smartphone Loan

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  • FAQ : Payment - Computer And Smartphone Loan

FREQUENTLY ASKED QUESTIONS (FAQ)

The following frequently asked questions are common among those contemplating University Malaya (UM). This page provides answers to these questions and provides links to useful UM websites that provide additional answers.

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PAYMENT

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Who can apply for computer and smartphone loans?

Under this Financing Scheme, UM employees who are currently serving, permanently appointed, or confirmed into service are eligible to apply.
No, the computer loan financing scheme is only available to those who have been permanently appointed and confirmed into service.
No, the computer loan financing scheme is only available to those who have been permanently appointed and confirmed into service.

The purchase of a brand-new computer as well as its hardware and software components.

The computer is classified as follows:
(i) Desktop
(ii) Laptop
(iii) Tablet

The hardware is classified as follows:
(i) printer
(ii) scanner
(iii) multifunction device

Yes, officers can apply for more than one (1) computer and more than one (1) hardware. The total amount should not exceed RM5,000.00.
No, an officer can only apply for one (1) smartphone
Yes, but the accessories must be the same brand as the smartphone purchased.
Officers may apply for both a computer and a smartphone at the same time. The total should not be more than RM5,000.00.

(i) The total monthly installment does not exceed 1/3 of the basic salary.

(ii) The total amount of monthly deductions, including the computer/smartphone loan deduction, does not exceed 60% of the total basic monthly salary and allowance.

The maximum financing amount is RM5,000.00.

(i) Obtain confirmation of the financing balance with Payment Section, Financial Services Department, Bursary.

(ii) The borrower will then be required to make full payment based on the verified balance and adhere to the specified date period via E-pay (https://epay.um.edu.my/).

(iii) Submit original copies of bank-in slips or proof of payment to the Payment Section, Financial Services Department, Bursary.

Yes, officers can take a computer/smartphone loan once every three (3) years. A new loan will only be approved three (3) years after the date of the previous loan’s approval subjected to full settlement of the existing loan.

However, if the computer purchased previously is no longer economically viable, the staff can still submit an application. Such an application must be accompanied by supporting documentation such as photographs, insurance documents, police reports, and so on

The minimum repayment period is 12 months, and the maximum repayment period is 48 months.
Applicant must fill up the application form which can be download from UMPortal > PTj Info > Bendahari > Borang Digunapakai. Completed form must be send to Payment Section, Bursar Office to be processed.
The guarantor must be a permanent staf in the same group or higher level then the applicant. Applicants No of Guarantor(s) Academic One (1) staff Executive One (1) staff Operational Two (2) staffs
A guarantor is not the principal borrower of a loan. However, a guarantor is still responsible for the unpaid portion of the loan, including interest, if the principal borrower defaults.
The witness must be UM permanent staff.
The vendor must register the company at http://vendor.um.edu.my/v3/ and notify the Payment Section once the registration process is complete.
The application status will be notified within 14 working days from the submission of the completed documents.
The stamping of the agreement is the responsibility of the staff/borrower. Stamping can be completed at Lembaga Hasil Dalam Negeri (LHDN).
The applicant must submit the stamped agreement and original invoice to the Payment Section for further processing
The disbursement will be credited to the vendor’s account. An e-mail will be automatically sent to the vendor informing them of the payment status.

Last Update: 22/05/2023