Kobeta - Bank Rakyat

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(KOBETA CASH-i 2 P/O 82% -PROMO RAYA-FAST CASH)
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== Document List ==
== Document List ==
# Kobeta Agreement (Page 1 - 14)
# Kobeta Agreement (Page 1 - 14)
-
# BPA - 1 copy
+
# BPA - 2 copy
-
# Photocopy of IC (disahkan majikan) - 2 copies
+
# Photocopy of IC (disahkan majikan) - ori 3 copies
# Payslip original - 1 copy  
# Payslip original - 1 copy  
-
# Payslip photocopy (disahkan majikan) (3 copies) for 3 months
+
# Payslip photocopy (ORI disahkan majikan) (3 copies) for 3 months
-
# Pengesahan Jawatan
+
# Pengesahan Jawatan (ORI)
# Bank Account copy (disahkan majikan)
# Bank Account copy (disahkan majikan)
-
# Settlement statement (if any)
+
# Settlement statement (if any-exp in 2 weeks & above)
-
# Opsyen Letter (if any)
+
# Opsyen Letter (if any-with cop ori majikan)
 +
# Kobeta Cash-i Checklist, pls click here to download - [[Kobeta Checklist]]
 +
# Borang Kebenaran Spekar, pls click here to download - [[Borang Spekar]]
 +
# Borang GP7A, pls click here to download - [[Borang GP7A]]
== Target Market ==  
== Target Market ==  

Revision as of 03:18, 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
  • Calculation Sheet:

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% -2Months-500-10-100 (KCI1)
  • Tenure: Min 2 year - Max 10 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
  • Permanent staff criteria-
    • Rate: 4.99% Federal AG, Polis & Existing Customer
    • Rate: 5.99% CTOS below 30k
    • Rate: 6.99% CTOS over 30k / bankruptcy / Contract staff (KEMAS only)

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 - 2 copy
  3. Photocopy of IC (disahkan majikan) - ori 3 copies
  4. Payslip original - 1 copy
  5. Payslip photocopy (ORI disahkan majikan) (3 copies) for 3 months
  6. Pengesahan Jawatan (ORI)
  7. Bank Account copy (disahkan majikan)
  8. Settlement statement (if any-exp in 2 weeks & above)
  9. Opsyen Letter (if any-with cop ori majikan)
  10. Kobeta Cash-i Checklist, pls click here to download - Kobeta Checklist
  11. Borang Kebenaran Spekar, pls click here to download - Borang Spekar
  12. Borang GP7A, pls click here to download - Borang GP7A

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

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