Kobeta - Bank Rakyat

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== Product Features PERMANENT==
+
== Product Features ==
-
* Employment Status: 6 Months and Above.                          
+
* Location: Whole Malaysia
-
* Interest Rate:  
+
(SABAH & SARAWAK AG PAYSLIP ONLY)
-
**Tenure 1  to 2  YRS  :   5.50%
+
* Employment Status: 6 Months and Above.  
-
**Tenure 3  to 10 YRS  :   5.99%
+
* Eligibility for AG: '''60%'''
-
**Tenure 11 to 20 YRS  :   6.50%
+
* Salary: RM1500.00 and above only
-
* Payout: 94.5% - 3 months installment - RM340.00
+
* Age: 20-58 years Only
-
* Tenure: Min 1 year - Max 20 years
+
* Loan amount: 5,000 - 250,000
-
* Finance: Min RM1,000 to RM250,000
+
* Min & Max tenure: 2-10 years
-
* Salary: RM600 and above only
+
* Interest Rate :6.90%
-
* Age: 18 years and above
+
* Payout: 81.42% - all the charges below:
-
* Expired Facility: 58 years old
+
#PROCESSING FEE    100.00
-
* Yuran: RM30
+
#SHARE STOCK            500.00
-
* CTOS: No Limit(Case by case basis)
+
#KOPERASI PROTECTION FEE (KWPPA)  16.5%
-
* TAT: 2 - 3 Weeks
+
#INSTALLMENT SECURITY    2.8%
 +
#REGISTRATION FEES    10.00 
 +
#KHAIRAT KEMATIAN    50.00 
 +
#ADVANCE ENTRY MEMBERSHIP 540.00 
 +
#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
-
== Product Features CONTRACT==
+
'''**Bankcruptcy'''
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* Employment Status: 6 Months and Above.                         
+
* '''Compulsory to settle ;pls provide full settlement statement from Insolvensi (ANGKASA MUST BE ACTIVE) '''
-
* Interest Rate: Tenure 1 to 5 YRS  :  6.50%
+
* Rate :7.80%
-
* Payout: 94.5% - 3 months installment - RM340.00
+
* Angkasa must be status ‘A’ active
-
* Tenure: Min 1 year - Max 5 Years
+
* Payout: 81.42% - all the charges below:
-
* Finance: Min RM1,000 to RM20,000
+
#LAWYER FEES              (non-fixed sm 4K+ ; ss 5K+)
-
* Salary: RM600 and above only
+
#PROCESSING FEE    100.00
-
* Age: 18 years and above
+
#SHARE STOCK            500.00
-
* Expired Facility: 58 years old
+
#KOPERASI PROTECTION FEE (KWPPA)  16.5%
-
* Yuran: RM30
+
#INSTALLMENT SECURITY    2.8%
-
* CTOS: No Ctos hit for cases without Potongan Angkasa.  
+
#REGISTRATION FEES    10.00 
-
* TAT: 2 - 3 Weeks
+
#KHAIRAT KEMATIAN    50.00 
-
 
+
#ADVANCE ENTRY MEMBERSHIP 540.00 
-
== Opsyen Calculation ==
+
#STAMP DUTY            0.5%
-
* Expired Facility in opsyen 58 years old.
+
-
** Example : 2011 - 1965 = 46
+
-
** Take 57 - 46 = 11 years.
+
-
** This customer is eligible for 46 years only.
+
== 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 ==
 +
# Majikan Penjara
 +
# 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%)***
 +
 
 +
== 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
 +
 
 +
 
 +
== Special Remarks ==
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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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