Kobeta - Bank Rakyat

From Internal

Revision as of 12:06, 28 December 2011

Product Features PERMANENT

• Location: Whole Malaysia
• Employment Status: 6 Months and Above.
• Interest Rate:
  • Tenure 2 to 20 YRS  : 5.99%
• Payout: 94.5% - 3 months installment - RM340.00
• Tenure: Min 1 year - Max 20 years
• Finance: Min RM1,000 to RM250,000
• Salary: RM600 and above only
• Age: 18 years and above
• Expired Facility: 58 years old(with opsyen letter)
• Yuran: RM30
• CTOS: No Limit(Case by case basis)
• TAT: 2 - 3 Weeks

Product Features CONTRACT

• Location: Whole Malaysia
• Employment Status: 2 years and Above.
• Interest Rate: Tenure 2 to 5 YRS  : 6.99%
• Payout: 94.5% - 3 months installment - RM340.00
• Tenure: Min 1 year - Max 5 Years
• Finance: Min RM2,000 to RM20,000
• Salary: RM600 and above only
• Age: 18 years and above
• Expired Facility: 58 years old
• Yuran: RM30
• CTOS: $30k and below, if $30k and above must get special approval.
• TAT: 2 - 3 Weeks

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 Note

• CTOS hit more than $30k, TAT more than 3 weeks.

Document List

1. Kobeta Agreement (Page 1 - 14)
2. BPA - 1 copy
3. Photocopy of IC (disahkan majikan) - 2 copies
4. Payslip original - 1 copy
5. Payslip photocopy (disahkan majikan) (3 copies) for 3 months
6. Pengesahan Jawatan
7. Bank Account copy (disahkan majikan)
8. Settlement statement (if any)
9. Opsyen Letter (if any)

Target Market

• All Government employee
• Refer to Msssb System > Department Report for more information

Expired Date of Payslip

Factor Kobeta Rakyat 90.5%

• LOAN ELIGIBLE = Gross Salary x (60%/50%/40%) - all deduction - RM30 x factor
• IN HAND = LOAN ELIGIBLE X 90.5% - RM840