Kospem - Bank Rakyat

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== Product Features ==
== Product Features ==
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* Location:Whole Malaysia (FOR ALL GORVEMENT DEPT- from SABAH AND SARAWAK CASE, ONLY AG AND POLICE WILL BE ACCEPTED
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* Location:'''Whole Malaysia -SABAH SARAWAK (JAWATAN GURU SAHAJA BOLEH APPLY)'''
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* Interest Rate: 6.50%
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*'''KOSPEM-BR-TETAP-PRJ applicable for AG PAYSLIP only to apply.'''
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* Interest Rate: 7.99% (n) / 8.49 (s)
* Payout: 70%
* Payout: 70%
* Kelayakan : 60%
* Kelayakan : 60%
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* Tenure:Min 2 year - Max 10 years  
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* Min & Max tenure: 10 years (Fix)
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* Finance:Min RM15,000 to RM150,000  
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* Finance:Min RM10,000 to RM30,000  
* Salary:RM1500.00 and above only
* Salary:RM1500.00 and above only
* Age:21 - 57 years
* Age:21 - 57 years
* Tat:2 weeks (depend on confirmation job)
* Tat:2 weeks (depend on confirmation job)
* Yuran:RM30
* Yuran:RM30
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* CTOS: Ctos below RM30K, regardless of external commitments and CCRIS
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* CTOS: Ctos below RM30K,above RM30K-RM50K (case by case) regardless of external commitments and CCRIS
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== Document List ==
== Document List ==
*KOSPEM FORMS:-please click below:
*KOSPEM FORMS:-please click below:
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** [[Media:KOSPEM-BRT-ApplicationForm.pdf]]
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* '''BORANG YANG PERLU FOTOSTAT DEPAN BELAKANG.'''
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#KP05 dan KP05a
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#KP05b dan KP05c
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#KP09 dan KP09a
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*'''Please download Borang here:'''
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** [[Media:KOSPEM-BRT-New5.zip]]
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** [[Media:KOSPEM-BRT-Consent-Letter-New2.pdf]]
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**'''[[Media:KOSPEM-BRT-New-PV.pdf]]'''
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*'''Borang Ctos Consent: **[[Media:KOSPEM-NEW-CTOS.pdf]]'''
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**Contoh isi borang Ctos :[[Media:KOSPEM-BRT-CTOS-CONTOH.pdf]]
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* 1 original latest  Salary Slip.
* 1 original latest  Salary Slip.
**3 copies of Salary Slip of the latest past 3 months [original certified by the employer-COMPULSORY 3COPY each months].
**3 copies of Salary Slip of the latest past 3 months [original certified by the employer-COMPULSORY 3COPY each months].
*3 copies of NRIC [original certified by the employer].
*3 copies of NRIC [original certified by the employer].
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*Letter Head confirmation and verification letter on employment status ''' (Letter Head peng jawatan-COMPULSORY) '''
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*confirmation and verification letter on employment status  
* BPA Forms(2pcs)
* BPA Forms(2pcs)
*Bank Rakyat acc statement / bank book '''[for Disbursement-COMPULSORY]'''.
*Bank Rakyat acc statement / bank book '''[for Disbursement-COMPULSORY]'''.
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*Utility Bill -address must be same with application forms '''(Compulsory)'''.
*Utility Bill -address must be same with application forms '''(Compulsory)'''.
* All documents must be signed by mo at witness space(ruangan saksi) '''-COMPULSORY'''
* All documents must be signed by mo at witness space(ruangan saksi) '''-COMPULSORY'''
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*'''Form Sorting'''
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**please click :[[Media:KOSPEM-BRT-Sorting.pdf]]
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*'''CONTOH ISI BORANG KOSPEM BRT'''
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**please click : [[File:Kospem-BRT-Form-New4.pdf]]
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#Minta tolong isi bahagian yang ditanda dan ada tulisan isi sahaja, kalau tak faham boleh telefon shamini 0162136017
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== Calculation Sheet & Repayment Table ==
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# CEF Normal Case
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* [[Media:KOSPEM-BRT-New11.zip]]
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# CEF Special Case
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* [[Media:KOSPEM-BRT-SPC-New.zip]]
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== TARGET & NON TARGET MARKET ==
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*[[Media:NON-TARGET-LIST-NEW3.pdf]] - '''4/12/2020'''
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*[[Media:NON-TARGET-LIST-NEW2.pdf]]
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* SABAH ELECTRICITY SDN BHD - NON TARGET MARKET
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* HOSPITAL SRI MANJUNG - NON TARGET MARKET (Linda 27/7/18)
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* '''PLS IGNORE OLD'''
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== Calculation Sheet ==
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**[[Media:KOSPEM-BRT-New-Application-Form.pdf]] -'''OLD FORM'''
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[[Media:KOSPEM-BRT.xls]]
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Latest revision as of 07:36, 7 December 2020

Contents

Product Features

  • Location:Whole Malaysia -SABAH SARAWAK (JAWATAN GURU SAHAJA BOLEH APPLY)
  • KOSPEM-BR-TETAP-PRJ applicable for AG PAYSLIP only to apply.
  • Interest Rate: 7.99% (n) / 8.49 (s)
  • Payout: 70%
  • Kelayakan : 60%
  • Min & Max tenure: 10 years (Fix)
  • Finance:Min RM10,000 to RM30,000
  • Salary:RM1500.00 and above only
  • Age:21 - 57 years
  • Tat:2 weeks (depend on confirmation job)
  • Yuran:RM30
  • CTOS: Ctos below RM30K,above RM30K-RM50K (case by case) regardless of external commitments and CCRIS


Document List

  • KOSPEM FORMS:-please click below:
  • BORANG YANG PERLU FOTOSTAT DEPAN BELAKANG.
  1. KP05 dan KP05a
  2. KP05b dan KP05c
  3. KP09 dan KP09a
  • 1 original latest Salary Slip.
    • 3 copies of Salary Slip of the latest past 3 months [original certified by the employer-COMPULSORY 3COPY each months].
  • 3 copies of NRIC [original certified by the employer].
  • confirmation and verification letter on employment status
  • BPA Forms(2pcs)
  • Bank Rakyat acc statement / bank book [for Disbursement-COMPULSORY].
  • Certified Settlement Statement [required for overlapping-exp 2 weeks & above].
  • Copy of Retirement Option Letter, if applicant choose to retire at the age of 56/58/60 [original Certified by Employer].
  • Utility Bill -address must be same with application forms (Compulsory).
  • All documents must be signed by mo at witness space(ruangan saksi) -COMPULSORY
  • Form Sorting
  1. Minta tolong isi bahagian yang ditanda dan ada tulisan isi sahaja, kalau tak faham boleh telefon shamini 0162136017


Calculation Sheet & Repayment Table

  1. CEF Normal Case
  1. CEF Special Case


TARGET & NON TARGET MARKET

  • SABAH ELECTRICITY SDN BHD - NON TARGET MARKET
  • HOSPITAL SRI MANJUNG - NON TARGET MARKET (Linda 27/7/18)










  • PLS IGNORE OLD
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