Kobeta - Bank Rakyat

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Revision as of 09:15, 18 July 2017

Product Features =NEW KOBETA BANK RAKYAT 6.90%

• Location: Whole Malaysia
• Employment Status: 6 Months and Above.
• Eligibility for AG: 50% without potongan Pinjaman Perumahan & 60% with Pinjaman Perumahan in payslip
• Salary: RM1500.00 and above only
• Age: 20-58 years Only
• Loan amount: 2,000 - 250,000
• Max tenure: 2-10 years
• Interest Rate : 6.90%
• Payout: 81% less 2 month installment less RM846.60
• Yuran :RM30 ( yuran rm30 will start deduct after 6 months)
• TAT: 2-3 weeks
• Angkasa Fee: 2%
• CTOS: Ctos below RM30K
  • above RM30K proceed with interest 7.99%,compulsory to settle.
• Bankcruptcy :Compulsory to settle ;pls provide statement(ANGKASA MUST BE ACTIVE) 7.99%
• Calculation Sheet:
  • Media:kobeta-Cash-i-NEWCEF-GST.xls

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

**Acc Book

• KOBETA CASH I : please make sure that customers provide Bank Rakyat account number only other than that will not be acceptable by Bank Rakyat.

**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)
• CTOS AS Gurantor – Tiada had ditentukan

**Bankcruptcy

• Rate :7.99%
• Angkasa must be status ‘A’ active

Document List

• Application Forms :
• **pls click here to download:
  • Media:KOBETA-BRT-FULL-Application-Form.pdf
  • Media:Senarai-Semak-Forms.pdf
• BPA - 2 copy
• Photocopy of IC (disahkan majikan) - ori 3 copies
• Payslip original - 1 copy (Carbon)
• Payslip photocopy (ORI disahkan majikan) (3 copies) for 3 months
• Pengesahan Jawatan-Letter Head / Form Koperasi also can be use (ORI)
• Bank Account copy BANK RAKYAT (compulsory)
• Settlement statement (if any-exp in 1 month & above)
• Opsyen Letter (if any-with cop ori majikan)
• Kobeta Cash-i Checklist, pls click here to download - Media:Kobeta-Checklist-New.pdf

Non-Target Market

Media:NonTMkobeta-listing-NEW4.pdf -update 18/7/2017

• AMANAH IKHTIAR MALAYSIA (2014) - NON TARGET MARKET
• LEMBAGA PEMBANGUNAN PELABURAN MALAYSIA (MIDA) - NON TARGET MARKET
• SABAH ELECTRICITY SDN BHD - NON TARGET MARKET
• MALAYSIA AIRPORT HOLDINGS BERHAD - NON TARGET MARKET
• UEM LAND BERHAD - NON TARGET MARKET
• TEKUN NASIONAL - NON TARGET MARKET
• LEMBAGA MUZIUM NEGERI TERENGGANU - NON TARGET MARKET
• KOLEJ POLY TECH-MARA (MAY 2016) - NON TARGET MARKET
• SAJ HOLDING SDN BHD (SAJ)NON TARGET MARKET
• PERBADANAN BUKIT BENDERA PULAU PINANG NON TARGET MARKET
• FINAS (26/7/16)NON TARGET MARKET
• MIROS -Malaysian Institute of Road Safety Research (16/11/16) NON TARGET MARKET
• GIAT MARA NON TARGET MARKET -22/11/2016
• UNIVERSITI TENAGA NASIONAL (UNITEN) NON TARGET MARKET -09/12/2016

Target Market

1. Suruhanjaya Penggangkutan Awam Malaysia (SPAD)
2. Kumpulan Wang Persaraan (KWAP)
3. Suruhanjaya Perumahan Negara Berhad (SPNB)
4. Pembagunan Sumber Manusia Berhad
5. Yayasan Pelajaran Mara
6. Lembaga Pemasaran Pertanian Persekutuan ( FAMA)
7. MAJLIS AGAMA ISLAM WILAYAH PERSEKUTUAN (MAIWP)(21/9/2016)
8. PLUS ***(Jwtn admin ke atas, Gaji RM3K ke atas, kerja 3 Tahun ke atas, kelayakan 50%)***

NON Target Jawatan

1. PENGAWAL KESELAMATAN/ JAGA
2. GURU KAFA
3. TUKANG MASAK
4. TUKANG KAYU
5. AHLI SUKAN
6. TENTERA
7. JURU TOL
8. ARTIS BUDAYA
9. JURU METER
10. GURU PENDIDIKAN BUKAN SISWAZAH
11. JURULATIH KESATRIA (PLKN)
12. TEA LADY
13. PEKERJA SAMBILAN
14. PEKERJA KONTRAK
15. POSMEN
16. POLIS BANTUAN

Calculation Sheet & Repayment Table

Media:KOBETABKR-CEF81-newGST.xls

Media:KOBETABKR-RT4.99.docx

Media:KOBETABKR-RT5.99.docx

Media:KOBETABKR-RT6.99.docx

Special Remarks / Update -KOBETA CIMB

We have a new Kobeta package, KOBETA-CIMB. You have an opsyen to choose this package if you find that KOBETA-BRT is slow in reimbursement. KOBETA-CIMB can be better in reimbursing the Loan.

The criteria as per below:

• Location: Whole Malaysia
• Employment Status: 6 Months and Above.
• Loan amount: 2,000 - 250,000
• Min & Max tenure: 10 years (Fix)
• Interest:
  • Rate: 4.99% Federal AG, Polis & Existing Customer
  • Rate: 5.99% State AG & preferred GLC such as(Majlis,University,LHDN, PERKESO)
• Payout: 81%-1020.00-180 - 2 months Installment
  • Details:

        :Processing Fee = RM100
        : Tabung Khairat = RM50
        : Saham = RM500
        : Fee Masuk = RM10
        : Koperasi Protection Fee = RM360
        : JUMLAH : RM1020#

• Account Book: BANK RAKYAT
• Fees : Rm30 will start deduct after 6 months
• TAT: 2-3 weeks
• CTOS : TAK Boleh Ada Ctos
• For more details pls call Mr Chew /Mimi.
• Borang boleh minta daripada Pn. Asma

• LIST TM & NTM KOBETA CIMB /BRT-update 23/11/2016:

1. Media:TM-and-NonTMkobeta-listing-NEW3.pdf
2. Media:TM-and-NonTMkobeta-listing-NEW3.zip