Koputri

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== Product Features PERMANENT==
== Product Features PERMANENT==
-
 
-
=== SPEED (OLD) ===
 
* Location: Whole Malaysia
* Location: Whole Malaysia
-
* Employment Status: 6 Months and Above.                           
+
* Employment Status: 8 Months and Above.                           
-
* Interest Rate:
+
* Interest Rate:4.99%
-
**Tenure 1  to 2  years: 4.99%
+
* Payout: 90% -506.60- 2 months installment
-
**Tenure 3  to 10 years: 5.99%
+
* Tenure: Min 2 year - Max 10 years
-
* Payout: 94.5% - 2 months installment - RM440.00
+
* Finance: Min RM5,000 to RM250,000
-
* Tenure: Min 1 year - Max 10 years
+
* Salary: RM1500 and above only
-
* Finance: Min RM2,000 to RM250,000
+
* Salary: RM2000 and above ( PAR and PEMANDU)
-
* Salary: RM600 and above only
+
* Age: 19 years and above
-
* Age: 18 years and above
+
* TAT:
-
* Expired Facility: 58 years old(with opsyen letter)
+
* Expired Facility: 55 years old(with opsyen letter)
* Yuran: RM30
* Yuran: RM30
-
* CTOS: RM30K and below
+
** CTOS: Borrower: $30k and below, Guarantor: must not exceed RM100K (supporting documents must be provided)
-
* TAT: 2 - 3 weeks
+
* Important Notes:It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD)
-
* Tenure: 20 years
+
* For more details, pls click below:
-
* Koop Charges: RM440.00
+
**Criteria : [[Media:KOPUTRIcriteria.pdf]]
-
* Important Notes:
+
-
** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD)
+
-
=== SPEED 1 ===
+
'''== Product Features CONTRACT == NOT AVAILABLE'''
-
* Location: Whole Malaysia
+
* '''With BPA Deduction'''
-
* Employment Status: 6 Months and Above.                         
+
-
* Interest Rate: 5.50%
+
-
* Payout: 92.5% - 2 months installment - RM440.00
+
-
* Tenure: Min 1 year - Max 10 years
+
-
* Finance: Min RM2,000 to RM250,000
+
-
* Salary: RM600 and above only
+
-
* Age: 18 years and above
+
-
* Expired Facility: 58 years old(with opsyen letter)
+
-
* Yuran: RM30
+
-
* CTOS: RM30K and below
+
-
* Tenure: 10 years
+
-
* Koop Charges: RM440.00
+
-
* Important Notes:
+
-
** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD)
+
-
 
+
-
=== SPEED 2 ===
+
-
* Location: Whole Malaysia
+
-
* Employment Status: 6 Months and Above.                         
+
-
* Interest Rate: 5.50%
+
-
* Payout: 82% - 2 months installment - RM440.00
+
-
* Tenure: Min 1 year - Max 10 years
+
-
* Finance: Min RM2,000 to RM250,000
+
-
* Salary: RM600 and above only
+
-
* Age: 18 years and above
+
-
* Expired Facility: 58 years old(with opsyen letter)
+
-
* Yuran: RM30
+
-
* CTOS: RM30K and below
+
-
* TAT: '''2 weeks'''
+
-
* Tenure: 10 years
+
-
* Koop Charges: RM440.00
+
-
* Important Notes:
+
-
** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD)
+
-
 
+
-
== Product Features CONTRACT==
+
-
* With BPA Deduction
+
** Location : Whole Malaysia
** Location : Whole Malaysia
-
** Employment Status: Customer need to work at least 6 months.
+
** Employment Status: Customer needs to at leaast renew contract twice and need to work 2 years and above.  
-
** Finance: Min RM2,000 to RM20,000
+
** Finance: Min RM2,000 to RM30,000 (WITH EXISTING BPA DEDUCTION ON CUST PAYSLIP)
-
** Tenure: Min 1 year - Max 5 Years
+
** Tenure: Min 2 year - Max 5 Years
-
** Interest Rate: Min Tenure 1 to 5 YRS: 6.99%
+
** Interest Rate: Min Tenure 2 to 5 YRS: 6.90%
-
** Payout: 94.5% - RM440.00 - 2 months installment
+
** Payout: 90% -506.60- 2 months installment
** Expired Facility: 58 years old
** Expired Facility: 58 years old
-
** Salary: RM1,000 and above only
+
** Salary: RM1,500 and above only
-
** Age: 18 years and above
+
** Age: 19 years and above
-
** Yuran: RM30
+
** CTOS: Borrower: $30k and below, Guarantor: must not exceed RM100K (supporting documents must be provided)
-
** CTOS: Borrower: $30k and below, Guarantor: No Limit
+
** TAT: 2 - 3 Weeks
** TAT: 2 - 3 Weeks
** Employment Status: Admin and above position only. (Work in Office)
** Employment Status: Admin and above position only. (Work in Office)
Line 75: Line 35:
*** COMPULSORY to provide (offer letter) or surat perlantikan.
*** COMPULSORY to provide (offer letter) or surat perlantikan.
-
* Without BPA Deduction
+
* '''Without BPA Deduction'''
** Location: Whole Malaysia
** Location: Whole Malaysia
-
** Employment Status: Customer needs to at leaast renew contract once.
+
** Employment Status: Customer needs to at leaast renew contract twice and need to work 2 years and above.  
-
** Finance: Min RM2,000 to RM20,000
+
** Finance: Min RM2,000 to RM20,000 (WITHOUT EXISTING BPA DEDUCTION ON CUST PAYSLIP)
** Tenure: Min 1 year - Max 5 Years
** Tenure: Min 1 year - Max 5 Years
-
** Interest Rate: Min Tenure 1 to 5 years: 6.99%
+
** Interest Rate:6.90%
-
** Payout: 94.5% - RM440.00 - 2 months installment  
+
** Payout:90% -506.60- 2 months installment
-
** Expired Facility: 58 years old
+
** Salary: RM1,500 and above only
-
** Salary: RM1,000 and above only
+
** Age: 19 years and above
-
** Age: 18 years and above
+
** CTOS: Borrower: $30k and below, Guarantor: must not exceed RM100K (supporting documents must be provided)
-
** Yuran: RM30
+
-
** CTOS: Borrower: RM30K and below, Guarantor: No Limit
+
** TAT: 2 - 3 Weeks
** TAT: 2 - 3 Weeks
** Employment Status: Admin and above position only.(Work in Office)
** Employment Status: Admin and above position only.(Work in Office)
Line 93: Line 51:
*** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD).
*** It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD).
*** COMPULSORY to provide (offer letter) or surat perlantikan.
*** COMPULSORY to provide (offer letter) or surat perlantikan.
 +
***2013-12-13: KOPUTRI -New Guideline
 +
 +
== New guideline (with immediate effect) for koputri, application forms must attached:==
 +
*1. Maybank acc book
 +
*2. Utility Bill (address must same with application form)
 +
*3. Every 3rd of the month latest payslip must be provided
 +
*4. For payslip which have no Angkasa deduction and under Kwsp must provide letter head 'Pengesahan Jawatan' Original
== Opsyen Calculation ==
== Opsyen Calculation ==
Line 111: Line 76:
# Opsyen Letter (if any-with cop ori majikan)
# Opsyen Letter (if any-with cop ori majikan)
# DSR Form - [[Media:Borang-Dsr1.docx]]
# DSR Form - [[Media:Borang-Dsr1.docx]]
 +
= New guideline (with immediate effect) for koputri, application forms must attached:=
 +
*1. Maybank acc book
 +
*2. Utility Bill (address must same with application form)
 +
*3. Every 3rd of the month latest payslip must be provided
 +
*4. For payslip which have no Angkasa deduction and under Kwsp must provide letter head 'Pengesahan Jawatan' Original
== Target Market ==  
== Target Market ==  
-
* All Government employee
+
# All Government employee
-
* Refer to MSSSB System > Department Report for more information
+
 
 +
== Non Target Market ==
 +
# Yayasan Selangor
 +
# Tenaga Malaysia Berhad
-
== GLC Target Market List ==
 
-
# Felda Holdings Berhad
 
-
# Malaysia Debt Ventures Berhad
 
-
# Mardec Berhad
 
-
# Padi Beras Nasional Berhad
 
-
# Pengurusan Danaharta Nasional Berhad
 
-
# Perbadanan Nasional Berhad
 
-
# Permodalan Nasional Berhad
 
-
# Petroliam Nasional Berhad (Petronas)
 
-
# UDA Holdings Berhad
 
-
# Malaysia Airport Holdings Berhad
 
-
# Khazanah Nasional Berhad
 
-
# National Aerospace & Defence Industries Berhad
 
-
# Mimos Berhad
 
-
# Sirim Berhad
 
-
# Felcra Berhad
 
-
# Institut Terjemahan Negara Malaysia Berhad
 
-
# Pengurusan Aset Air Berhad
 
-
# Percetakan Nasional Malaysia Berhad
 
-
# POS Malaysia Berhad
 
-
# Radio Televisyen Malaysia Berhad
 
-
# TELEKOM Malaysia Berhad
 
-
# Tenaga Nasional Berhad
 
-
== Factor Koputri 6.99% - 94.5% ==
+
== Calculation Sheet & Repayment Table ==
-
{| class="wikitable" style="text-align:center"
+
Koputri Calculation System:
-
! YEARS || MONTH || FACTOR
+
[[Media:KOPUTRI-CEF.xls]]
-
|-
+
-
! 1
+
-
| 12 || 11
+
-
|-
+
-
! 2
+
-
| 24 || 22
+
-
|-
+
-
! 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 - <B>RM30</b> x factor
+
*[[Media:KOPUTRI-Repayment-Table-4.99.pdf]]
-
* IN HAND = LOAN ELIGIBLE x 94.5% - RM440 - 2 month installment
+
*[[Media:KOPUTRI-Repayment-Table-6.90.pdf]]

Latest revision as of 09:00, 30 March 2016

Contents

Product Features PERMANENT

  • Location: Whole Malaysia
  • Employment Status: 8 Months and Above.
  • Interest Rate:4.99%
  • Payout: 90% -506.60- 2 months installment
  • Tenure: Min 2 year - Max 10 years
  • Finance: Min RM5,000 to RM250,000
  • Salary: RM1500 and above only
  • Salary: RM2000 and above ( PAR and PEMANDU)
  • Age: 19 years and above
  • TAT:
  • Expired Facility: 55 years old(with opsyen letter)
  • Yuran: RM30
    • CTOS: Borrower: $30k and below, Guarantor: must not exceed RM100K (supporting documents must be provided)
  • Important Notes:It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD)
  • For more details, pls click below:

== Product Features CONTRACT == NOT AVAILABLE

  • With BPA Deduction
    • Location : Whole Malaysia
    • Employment Status: Customer needs to at leaast renew contract twice and need to work 2 years and above.
    • Finance: Min RM2,000 to RM30,000 (WITH EXISTING BPA DEDUCTION ON CUST PAYSLIP)
    • Tenure: Min 2 year - Max 5 Years
    • Interest Rate: Min Tenure 2 to 5 YRS: 6.90%
    • Payout: 90% -506.60- 2 months installment
    • Expired Facility: 58 years old
    • Salary: RM1,500 and above only
    • Age: 19 years and above
    • CTOS: Borrower: $30k and below, Guarantor: must not exceed RM100K (supporting documents must be provided)
    • TAT: 2 - 3 Weeks
    • Employment Status: Admin and above position only. (Work in Office)
    • Important Notes:
      • It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD).
      • COMPULSORY to provide (offer letter) or surat perlantikan.
  • Without BPA Deduction
    • Location: Whole Malaysia
    • Employment Status: Customer needs to at leaast renew contract twice and need to work 2 years and above.
    • Finance: Min RM2,000 to RM20,000 (WITHOUT EXISTING BPA DEDUCTION ON CUST PAYSLIP)
    • Tenure: Min 1 year - Max 5 Years
    • Interest Rate:6.90%
    • Payout:90% -506.60- 2 months installment
    • Salary: RM1,500 and above only
    • Age: 19 years and above
    • CTOS: Borrower: $30k and below, Guarantor: must not exceed RM100K (supporting documents must be provided)
    • TAT: 2 - 3 Weeks
    • Employment Status: Admin and above position only.(Work in Office)
    • Important Notes:
      • Contract Staffs MUST provide letter from Employer to allow angkasa deduction.
      • It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD).
      • COMPULSORY to provide (offer letter) or surat perlantikan.
      • 2013-12-13: KOPUTRI -New Guideline

New guideline (with immediate effect) for koputri, application forms must attached:

  • 1. Maybank acc book
  • 2. Utility Bill (address must same with application form)
  • 3. Every 3rd of the month latest payslip must be provided
  • 4. For payslip which have no Angkasa deduction and under Kwsp must provide letter head 'Pengesahan Jawatan' Original

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.

Document List

  1. Koputri Agreement (Page 1 - 14)
  2. BPA - 2 copies
  3. Photocopy of IC (disahkan majikan ori) - 3 copies
  4. Payslip original - 1 copy
  5. Payslip photocopy(disahkan majikan)(3 copies ori) for 3 months
  6. Pengesahan Jawatan (It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer (LETTERHEAD))
  7. Bank Account copy
  8. Settlement statement (if any-exp must be more than 2 weeks)
  9. Opsyen Letter (if any-with cop ori majikan)
  10. DSR Form - Media:Borang-Dsr1.docx

New guideline (with immediate effect) for koputri, application forms must attached:

  • 1. Maybank acc book
  • 2. Utility Bill (address must same with application form)
  • 3. Every 3rd of the month latest payslip must be provided
  • 4. For payslip which have no Angkasa deduction and under Kwsp must provide letter head 'Pengesahan Jawatan' Original

Target Market

  1. All Government employee

Non Target Market

  1. Yayasan Selangor
  2. Tenaga Malaysia Berhad


Calculation Sheet & Repayment Table

Koputri Calculation System: Media:KOPUTRI-CEF.xls

Retrieved from "http://mss.enrii.net/Internal/index.php/Koputri"
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