Kobeta - Bank Rakyat

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== Product Features ==
== Product Features ==
* Location: Whole Malaysia
* Location: Whole Malaysia
-
* Employment Status: 6 Months and Above.                          
+
(SABAH & SARAWAK AG PAYSLIP ONLY)
-
* Interest Rate:  
+
* Employment Status: 6 Months and Above.  
-
**Tenure 2  to 20 YRS  :  5.99%
+
* Eligibility for AG: '''60%'''
-
* Payout: 92.5% - RM840 - 2 months installment
+
-
* Tenure: Min 1 year - Max 20 years
+
-
* Finance: Min RM2,000 to RM250,000
+
* Salary: RM1500.00 and above only
* Salary: RM1500.00 and above only
-
* Age: 19 years and above
+
* Age: 20-58 years Only
-
* Expired Facility: 60 years old(with opsyen letter + pengesahan jawatan letter head majikan yang menyatakan bersara wajib 60tahun)
+
* Loan amount: 5,000 - 250,000
-
* Yuran: RM30
+
* Min & Max tenure: 2-10 years  
-
* CTOS: No Limit(Case by case basis)
+
* Interest Rate :6.90%
-
* TAT: 2 - 3 Weeks
+
* Payout: 81.42% - all the charges below:
-
 
+
#PROCESSING FEE    100.00
-
== Opsyen Calculation ==
+
#SHARE STOCK            500.00
-
* Expired Facility in opsyen 58 years old.
+
#KOPERASI PROTECTION FEE (KWPPA) 16.5%
-
** Example : 2011 - 1965 = 46
+
#INSTALLMENT SECURITY    2.8%
-
** Take 58 - 1 year - 46 = 11 years.
+
#REGISTRATION FEES    10.00 
-
** This customer is eligible for 11 years only.
+
#KHAIRAT KEMATIAN    50.00 
-
 
+
#ADVANCE ENTRY MEMBERSHIP 540.00 
-
== Important Notes ==
+
#STAMP DUTY            0.5%
-
 
+
* Yuran :RM30 ( yuran rm30 will start deduct after 6 months)
-
'''**Ctos Cases'''
+
* TAT: 2-3 weeks
 +
* Angkasa Fee: 2%
 +
* CTOS: Ctos below RM20K
 +
**'''above RM20K proceed with interest 7.80% ,compulsory to settle.'''
* CTOS hit more than RM30k, TAT more than 3 weeks.
* CTOS hit more than RM30k, TAT more than 3 weeks.
* Credit card can not be more than RM30K
* Credit card can not be more than RM30K
Line 28: Line 28:
* Personal loan can not be more than RM100K,
* Personal loan can not be more than RM100K,
* Ctos Bank Rakyat must be settle(compulsory)
* Ctos Bank Rakyat must be settle(compulsory)
 +
* CTOS AS Gurantor – Tiada had ditentukan
'''**Bankcruptcy'''
'''**Bankcruptcy'''
-
* Rate :6.99%
+
* '''Compulsory to settle ;pls provide full settlement statement from Insolvensi (ANGKASA MUST BE ACTIVE) '''
-
* Pay Out :88%
+
* Rate :7.80%
 +
* Angkasa must be status ‘A’ active
 +
* Payout: 81.42% - all the charges below:
 +
#LAWYER FEES              (non-fixed sm 4K+ ; ss 5K+)
 +
#PROCESSING FEE    100.00
 +
#SHARE STOCK            500.00
 +
#KOPERASI PROTECTION FEE (KWPPA)  16.5%
 +
#INSTALLMENT SECURITY    2.8%
 +
#REGISTRATION FEES    10.00 
 +
#KHAIRAT KEMATIAN    50.00 
 +
#ADVANCE ENTRY MEMBERSHIP 540.00 
 +
#STAMP DUTY            0.5%
== Document List ==
== Document List ==
-
# Kobeta Agreement (Page 1 - 14)
+
* Application Forms :
-
# BPA - 1 copy
+
*KOBETA BRT FULL Application Form
-
# Photocopy of IC (disahkan majikan) - 2 copies
+
* BPA - 2 copy
-
# Payslip original - 1 copy  
+
* Photocopy of IC (disahkan majikan) - ori 3 copies
-
# Payslip photocopy (disahkan majikan) (3 copies) for 3 months
+
* Payslip original - 1 copy (Carbon)
-
# Pengesahan Jawatan
+
* Payslip photocopy (ORI disahkan majikan) (3 copies) for 3 months
-
# Bank Account copy (disahkan majikan)
+
* Pengesahan Jawatan-Letter Head (ORI)
-
# Settlement statement (if any)
+
* Bank Account copy BANK RAKYAT (compulsory)
-
# Opsyen Letter (if any)
+
* Settlement statement (if any-exp in 1 month & above)
 +
* Opsyen Letter (if any-with cop ori majikan)
 +
*'''CONTOH ISI BORANG KOBETA BRT'''
 +
**please click : [[File:Kobeta-BRT-FormNEW-6.90.pdf]]
 +
 
 +
== Calculation Sheet & Repayment Table ==
 +
Kobeta Calculation :
 +
*CEF : [[Media:KOBETA-SUSB-CEF-New.zip]]
 +
 
 +
 
 +
== Non-Target Market ==
 +
'''[[Media:NonTMkobeta-listing-NEW4.pdf]]''' -update 18/7/2017
 +
*JABATAN HAL EHWAL KHAS / KEMENTERIAN JASA AKAN DIBUBARKAN - '''NON TARGET MARKET''' 10/10/2018
 +
* LEMBAGA PERTUBUHAN PELADANG -'''NON TARGET MARKET''' 12/3/2018
 +
* MALIS AGAMA ISLAM DAN ADAT MELAYU - '''NON TARGET MARKET''' 12/3/2018
 +
* TELEKOM MALAYSIA (TM) - '''NON TARGET MARKET'''
 +
* LEMBAGA KOKO - '''NON TARGET MARKET''' -23/10/17
 +
* 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 ==  
== Target Market ==  
-
* All Government employee
+
# Majikan Penjara
-
* Refer to Msssb System > Department Report for more information
+
# Suruhanjaya Penggangkutan Awam Malaysia (SPAD)
 +
# Kumpulan Wang Persaraan (KWAP)
 +
# Suruhanjaya Perumahan Negara Berhad (SPNB)
 +
# Pembagunan Sumber Manusia Berhad
 +
# Yayasan Pelajaran Mara
 +
# Lembaga Pemasaran Pertanian Persekutuan ( FAMA)
 +
# MAJLIS AGAMA ISLAM WILAYAH PERSEKUTUAN (MAIWP)(21/9/2016)
 +
# PLUS ***(Jwtn Manager ke atas, Gaji RM3K ke atas, kerja 3 Tahun ke atas, kelayakan 50%)***
-
[[Media:TMandNonTM-listing.xls]]
+
== NON Target Jawatan ==
 +
#PENGAWAL KESELAMATAN/ JAGA
 +
#GURU KAFA
 +
#TUKANG MASAK
 +
#TUKANG KAYU
 +
#AHLI SUKAN
 +
#TENTERA
 +
#JURU TOL
 +
#ARTIS BUDAYA
 +
#JURU METER
 +
#GURU PENDIDIKAN BUKAN SISWAZAH
 +
#JURULATIH KESATRIA (PLKN)
 +
#TEA LADY
 +
#PEKERJA SAMBILAN
 +
#PEKERJA KONTRAK
 +
#POSMEN
 +
#POLIS BANTUAN
-
== Expired Date of Payslip ==
 
-
Payslip will expire every 5th of the subsequent month, example:
+
== Special Remarks ==
-
* February payslip will expire on the 5th April
 
-
* March payslip will expire on the 5th May
 
-
== Factor ==
 
-
{| class="wikitable" style="text-align:center"
 
-
! 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 - <B>RM30</b> 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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 +
 
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 +
 
 +
== '''OLD DETAILS''' ==
 +
*Calculation Sheet & Repayment Table
 +
[[Media:KOBETABKR-CEF81-newGST.xls]]
 +
 
 +
[[Media:KOBETABKR-RT4.99.docx]]
 +
 
 +
[[Media:KOBETABKR-RT5.99.docx]]
 +
 
 +
[[Media:KOBETABKR-RT6.99.docx]]

Latest revision as of 01:42, 15 September 2021

Contents

Product Features

  • Location: Whole Malaysia

(SABAH & SARAWAK AG PAYSLIP ONLY)

  • Employment Status: 6 Months and Above.
  • Eligibility for AG: 60%
  • Salary: RM1500.00 and above only
  • Age: 20-58 years Only
  • Loan amount: 5,000 - 250,000
  • Min & Max tenure: 2-10 years
  • Interest Rate :6.90%
  • Payout: 81.42% - all the charges below:
  1. PROCESSING FEE 100.00
  2. SHARE STOCK 500.00
  3. KOPERASI PROTECTION FEE (KWPPA) 16.5%
  4. INSTALLMENT SECURITY 2.8%
  5. REGISTRATION FEES 10.00
  6. KHAIRAT KEMATIAN 50.00
  7. ADVANCE ENTRY MEMBERSHIP 540.00
  8. STAMP DUTY 0.5%
  • Yuran :RM30 ( yuran rm30 will start deduct after 6 months)
  • TAT: 2-3 weeks
  • Angkasa Fee: 2%
  • CTOS: Ctos below RM20K
    • above RM20K proceed with interest 7.80% ,compulsory to settle.
  • 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

  • Compulsory to settle ;pls provide full settlement statement from Insolvensi (ANGKASA MUST BE ACTIVE)
  • Rate :7.80%
  • Angkasa must be status ‘A’ active
  • Payout: 81.42% - all the charges below:
  1. LAWYER FEES (non-fixed sm 4K+ ; ss 5K+)
  2. PROCESSING FEE 100.00
  3. SHARE STOCK 500.00
  4. KOPERASI PROTECTION FEE (KWPPA) 16.5%
  5. INSTALLMENT SECURITY 2.8%
  6. REGISTRATION FEES 10.00
  7. KHAIRAT KEMATIAN 50.00
  8. ADVANCE ENTRY MEMBERSHIP 540.00
  9. STAMP DUTY 0.5%

Document List

  • Application Forms :
  • KOBETA BRT FULL Application Form
  • 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 (ORI)
  • Bank Account copy BANK RAKYAT (compulsory)
  • Settlement statement (if any-exp in 1 month & above)
  • Opsyen Letter (if any-with cop ori majikan)
  • CONTOH ISI BORANG KOBETA BRT

Calculation Sheet & Repayment Table

Kobeta Calculation :


Non-Target Market

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

  • JABATAN HAL EHWAL KHAS / KEMENTERIAN JASA AKAN DIBUBARKAN - NON TARGET MARKET 10/10/2018
  • LEMBAGA PERTUBUHAN PELADANG -NON TARGET MARKET 12/3/2018
  • MALIS AGAMA ISLAM DAN ADAT MELAYU - NON TARGET MARKET 12/3/2018
  • TELEKOM MALAYSIA (TM) - NON TARGET MARKET
  • LEMBAGA KOKO - NON TARGET MARKET -23/10/17
  • 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. Majikan Penjara
  2. Suruhanjaya Penggangkutan Awam Malaysia (SPAD)
  3. Kumpulan Wang Persaraan (KWAP)
  4. Suruhanjaya Perumahan Negara Berhad (SPNB)
  5. Pembagunan Sumber Manusia Berhad
  6. Yayasan Pelajaran Mara
  7. Lembaga Pemasaran Pertanian Persekutuan ( FAMA)
  8. MAJLIS AGAMA ISLAM WILAYAH PERSEKUTUAN (MAIWP)(21/9/2016)
  9. PLUS ***(Jwtn Manager 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


Special Remarks

OLD DETAILS

  • Calculation Sheet & Repayment Table

Media:KOBETABKR-CEF81-newGST.xls

Media:KOBETABKR-RT4.99.docx

Media:KOBETABKR-RT5.99.docx

Media:KOBETABKR-RT6.99.docx

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