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PIB 4.14.61

An Authorised Firm must divide the Excess Spread level by the transaction's Excess Spread trapping point to determine the appropriate segments and apply corresponding conversion factors as set out in the following table:

Controlled Early Amortisation features
  Uncommitted Committed
Retail Credit Lines 3 Month average Excess Spread CCF 90%
133.33% of trapping point or more 0%
<133.33% to 100% of trapping point 1%
<100% to 75% of trapping point 2%
<75% to 50% trapping point 10%
<50% to 25% of trapping point 20%
<25% 40%
Non-retail credit lines 90% 90%
Derived from RM111/2012 (Made 15th October 2012). [VER20/12-12]