Kobeta - Bank Rakyat @ CIMB

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== Special Remarks / Update -KOBETA CIMB ==
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== Product Features = NEW KOBETA BANK RAKYAT 6.90% ==
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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.
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The criteria as per below:
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*Location: Whole Malaysia
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*Employment Status: 6 Months and Above.
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*Loan amount: 2,000 - 250,000
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*Min & Max tenure: 10 years (Fix)
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*Interest:
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**Rate: 4.99% Federal AG, Polis & Existing Customer
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**Rate: 5.99% State AG & preferred GLC such as(Majlis,University,LHDN, PERKESO)
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*Payout: 81%-1020.00-180 - 2 months Installment
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**Details: Processing Fee = RM100
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        : Tabung Khairat = RM50
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        : Saham = RM500
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        : Fee Masuk = RM10
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        : Koperasi Protection Fee = RM360
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*Account Book: '''Maybank'''
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*Fees : Rm30 will start deduct after 6 months
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*TAT: 2-3 weeks
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*'''CTOS : Need to be settled.'''
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*For more details pls call Mr Chew /Mimi.
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*Borang boleh minta daripada Pn. Asma
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== Product Features == KOBETA BANK RAKYAT ==
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* Location: Whole Malaysia
* Location: Whole Malaysia
* Employment Status: 6 Months and Above.  
* Employment Status: 6 Months and Above.  
* Salary: RM1500.00 and above only
* Salary: RM1500.00 and above only
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* Age: 19 years and above
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* Age: 20-58 years Only
* Loan amount: 2,000 - 250,000
* Loan amount: 2,000 - 250,000
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* Max tenure: 10 years
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* Max tenure: 2-10 years
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* Interest :
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Interest Rate : 6.90%
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**Rate: 4.99% Federal AG, Polis & Existing Customer
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**Rate: 5.99% State AG & preferred GLC such as(Majlis,University,LHDN, PERKESO)
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**Rate: 6.99% CTOS over 30k & BANKRUPTCY (-compulsory to settle if want to proceed)
**Rate: 6.99% CTOS over 30k & BANKRUPTCY (-compulsory to settle if want to proceed)
* Yuran : waive ( yuran rm30 will start deduct after 6 months)
* Yuran : waive ( yuran rm30 will start deduct after 6 months)
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** 2 months Installment
** 2 months Installment
* CTOS: Ctos below RM30K
* CTOS: Ctos below RM30K
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**above RM30K proceed with interest 6.99%,compulsory to settle.
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**'''above RM30K proceed with interest 6.99%,compulsory to settle.'''
* Calculation Sheet:
* Calculation Sheet:
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** [[Media:kobeta-Cash-i-CEF-GST.xls]]
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** [[Media:kobeta-Cash-i-NEWCEF-GST.xls]]
== Opsyen Calculation ==
== Opsyen Calculation ==
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* Kobeta Cash-i Checklist, pls click here to download - [[Media:Kobeta-Checklist-New.pdf]]
* Kobeta Cash-i Checklist, pls click here to download - [[Media:Kobeta-Checklist-New.pdf]]
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== Target and Non-Target Market ==  
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== Non-Target Market ==  
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[[Media:TM-and-NonTMkobeta-listing-NEW2.pdf]]
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'''[[Media:TM-and-NonTMkobeta-listing-NEW3.pdf]]''' -update 23/11/2016
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* LEMBAGA PEMBANGUNAN PELABURAN MALAYSIA (MIDA) NON TARGET MARKET
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* AMANAH IKHTIAR MALAYSIA (2014) - '''NON TARGET MARKET'''
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* SABAH ELECTRICITY SDN BHD - NON TARGET MARKET
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* LEMBAGA PEMBANGUNAN PELABURAN MALAYSIA (MIDA) - '''NON TARGET MARKET'''
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* MALAYSIA AIRPORT HOLDINGS BERHAD -NON TARGET MARKET
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* SABAH ELECTRICITY SDN BHD - '''NON TARGET MARKET'''
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* UEM LAND BERHAD-NON TARGET MARKET
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* MALAYSIA AIRPORT HOLDINGS BERHAD - '''NON TARGET MARKET'''
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* TEKUN NASIONAL-NON TARGET MARKET
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* UEM LAND BERHAD - '''NON TARGET MARKET'''
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* TEKUN NASIONAL - '''NON TARGET MARKET'''
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* LEMBAGA MUZIUM NEGERI TERENGGANU - '''NON TARGET MARKET'''
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* KOLEJ POLY TECH-MARA (MAY 2016) - '''NON TARGET MARKET'''
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* SAJ HOLDING SDN BHD (SAJ)'''NON TARGET MARKET'''
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* PERBADANAN BUKIT BENDERA PULAU PINANG '''NON TARGET MARKET'''
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* FINAS (26/7/16)'''NON TARGET MARKET'''
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* MIROS -Malaysian Institute of Road Safety Research (16/11/16) '''NON TARGET MARKET'''
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* GIAT MARA '''NON TARGET MARKET''' -22/11/2016
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* UNIVERSITI TENAGA NASIONAL (UNITEN) '''NON TARGET MARKET''' -09/12/2016
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== Target Market ==
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# MAJLIS AGAMA ISLAM WILAYAH PERSEKUTUAN (MAIWP)(21/9/2016)
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# PLUS ***(Jwtn admin ke atas, Gaji RM3K ke atas, kerja 3 Tahun ke atas, kelayakan 50%)***
== NON Target Jawatan ==
== NON Target Jawatan ==
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[[Media:KOBETABKR-RT6.99.docx]]
[[Media:KOBETABKR-RT6.99.docx]]
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== 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:'''
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# [[Media:TM-and-NonTMkobeta-listing-NEW3.pdf]]
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# [[Media:TM-and-NonTMkobeta-listing-NEW3.zip]]

Latest revision as of 07:56, 10 July 2017

Contents

Product Features = NEW KOBETA BANK RAKYAT 6.90%

  • Location: Whole Malaysia
  • Employment Status: 6 Months and Above.
  • 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%

    • Rate: 6.99% CTOS over 30k & BANKRUPTCY (-compulsory to settle if want to proceed)
  • Yuran : waive ( yuran rm30 will start deduct after 6 months)
  • TAT: 2-3 weeks
  • Payout: 81%
  • Upfront charges:
    • RM1020.00
    • 2 months Installment
  • CTOS: Ctos below RM30K
    • above RM30K proceed with interest 6.99%,compulsory to settle.
  • Calculation Sheet:

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

**STATE SARAWAK PAYSLIP

  • majikan ini KOBETA hanya ambil kelayakn 50% sahaja.

**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 :6.99%
  • Angkasa must be status ‘A’ active

Document List

  • Application Forms :
  • **pls click here to download:
  • 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:TM-and-NonTMkobeta-listing-NEW3.pdf -update 23/11/2016

  • 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. MAJLIS AGAMA ISLAM WILAYAH PERSEKUTUAN (MAIWP)(21/9/2016)
  2. 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
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