Kobeta - Bank Rakyat

From Internal

(Difference between revisions)
Jump to: navigation, search
(Product Features)
(Product Features)
Line 1: Line 1:
 +
== KOBETA CASH-i 2 P/O 82% -PROMO RAYA-FAST CASH ==
 +
* Loan amount: 2,000 - 250,000
 +
* Max tenure: 10 years
 +
* Interest: 4.99%, 5.99% & 6.99%
 +
*Processing: 3 - 5 days
 +
Payout: 82%
 +
*Upfront charges:
 +
** Processing Fee: 100.00
 +
** Registration Fee: 10.00
 +
** Share: 100.00
 +
** Yuran: 180.00
 +
** Charity: 50.00
 +
** Total: 440.00
 +
** 2 months Installment
 +
* No calculation of DSR / review of CCRIS
 +
* Last Submission to kobeta is on 31-07-2013
 +
== Product Features ==
== Product Features ==
* Location: Whole Malaysia
* Location: Whole Malaysia

Revision as of 02:45, 25 July 2013

Contents

KOBETA CASH-i 2 P/O 82% -PROMO RAYA-FAST CASH

  • Loan amount: 2,000 - 250,000
  • Max tenure: 10 years
  • Interest: 4.99%, 5.99% & 6.99%
  • Processing: 3 - 5 days

Payout: 82%

  • Upfront charges:
    • Processing Fee: 100.00
    • Registration Fee: 10.00
    • Share: 100.00
    • Yuran: 180.00
    • Charity: 50.00
    • Total: 440.00
    • 2 months Installment
  • No calculation of DSR / review of CCRIS
  • Last Submission to kobeta is on 31-07-2013

Product Features

  • Location: Whole Malaysia
  • Employment Status: 6 Months and Above.
  • Interest Rate: 4.99%, 5.99% & 6.99%
    • Tenure 2 to 10 YRS
  • Payout: 92.5% - RM840 - 2 months installment
  • Tenure: Min 2 year - Max 20 years
  • Finance: Min RM2,000 to RM250,000
  • Salary: RM1500.00 and above only
  • Age: 19 years and above
  • Expired Facility: 60 years old(with opsyen letter + pengesahan jawatan letter head majikan yang menyatakan bersara wajib 60tahun)
  • Yuran: RM30
  • CTOS: No Limit(Case by case basis)
  • TAT: 2 - 3 Weeks

Opsyen Calculation

  • Expired Facility in opsyen 58 years old.
    • Example : 2011 - 1965 = 46
    • Take 58 - 1 year - 46 = 11 years.
    • This customer is eligible for 11 years only.

Important Notes

**Ctos Cases

  • CTOS hit more than RM30k, TAT more than 3 weeks.
  • Credit card can not be more than RM30K
  • Housing loan can not be more than RM200K
  • Personal loan can not be more than RM100K,
  • Ctos Bank Rakyat must be settle(compulsory)

**Bankcruptcy

  • Rate :6.99%
  • Pay Out :88%

Document List

  1. Kobeta Agreement (Page 1 - 14)
  2. BPA - 1 copy
  3. Photocopy of IC (disahkan majikan) - 2 copies
  4. Payslip original - 1 copy
  5. Payslip photocopy (disahkan majikan) (3 copies) for 3 months
  6. Pengesahan Jawatan
  7. Bank Account copy (disahkan majikan)
  8. Settlement statement (if any)
  9. Opsyen Letter (if any)

Target Market

  • All Government employee
  • Refer to Msssb System > Department Report for more information

Media:TMandNonTM-listing.xls

Expired Date of Payslip

Payslip will expire every 5th of the subsequent month, example:

  • February payslip will expire on the 5th April
  • March payslip will expire on the 5th May

Factor

YEARS MONTH FACTOR
1 12 11
2 24 21
3 36 30
4 48 38
5 60 46
6 72 52
7 84 59
8 96 64
9 108 69
10 120 74
11 132 79
12 144 83
13 156 87
14 168 91
15 180 94
16 192 97
17 204 100
18 216 103
19 228 106
20 240 108
  • LOAN ELIGIBLE = Gross Salary x (60%/50%/40%) - all deduction - RM30 x factor
  • IN HAND = LOAN ELIGIBLE X 92.5% - RM840

Calculation Sheet & Repayment Table

Media:KOBETABKR-CEF.xls

Media:KOBETABKR-RT5.99.pdf

Media:KOBETABKR-RT6.99.pdf

Personal tools