Kobeta - Bank Rakyat

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== Product Features =NEW KOBETA BANK RAKYAT 6.90% ==
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== Product Features ==
* Location: Whole Malaysia
* Location: Whole Malaysia
 +
(SABAH & SARAWAK AG PAYSLIP ONLY)
* Employment Status: 6 Months and Above.  
* Employment Status: 6 Months and Above.  
-
* Eligibility for AG: '''50%''' without potongan Pinjaman Perumahan & '''60%''' with Pinjaman Perumahan in payslip
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* Eligibility for AG: '''60%'''  
* Salary: RM1500.00 and above only
* Salary: RM1500.00 and above only
* Age: 20-58 years Only
* Age: 20-58 years Only
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* Loan amount: 2,000 - 250,000
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* Loan amount: 5,000 - 250,000
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* Max tenure: 2-10 years
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* Min & Max tenure: 2-10 years  
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Interest Rate : 6.90%
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* Interest Rate :6.90%
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**Rate: 6.99% CTOS over 30k & BANKRUPTCY (-compulsory to settle if want to proceed)
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* Payout: 81.42% - all the charges below:
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* Yuran : waive ( yuran rm30 will start deduct after 6 months)
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#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%
 +
* Yuran :RM30 ( yuran rm30 will start deduct after 6 months)
* TAT: 2-3 weeks
* TAT: 2-3 weeks
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* Payout: 81%
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* Angkasa Fee: 2%
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* Upfront charges:
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* CTOS: Ctos below RM20K
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** RM1020.00
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**'''above RM20K proceed with interest 7.80% ,compulsory to settle.'''
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** 2 months Installment
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* CTOS: Ctos below RM30K
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**'''above RM30K proceed with interest 7.99%,compulsory to settle.'''
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*Bankcruptcy :Compulsory to settle (ANGKASA MUST BE ACTIVE) 7.99%
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* Calculation Sheet:
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** [[Media:kobeta-Cash-i-NEWCEF-GST.xls]]
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== Opsyen Calculation ==
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* Expired Facility in opsyen 58 years old.
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** Example : 2011 - 1965 = 46
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** Take 58 - 1 year - 46 = 11 years.
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** This customer is eligible for 11 years only.
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== Important Notes ==
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'''**STATE SARAWAK PAYSLIP'''
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* majikan ini KOBETA hanya ambil kelayakn 50% sahaja.
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-
 
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'''**Acc Book'''
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*KOBETA CASH I : please make sure that customers provide Bank Rakyat account number only other than that will not be acceptable by Bank Rakyat.
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-
 
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'''**Ctos Cases'''
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* 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
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'''**Bankcruptcy'''
'''**Bankcruptcy'''
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* Rate :6.99%
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* '''Compulsory to settle ;pls provide full settlement statement from Insolvensi (ANGKASA MUST BE ACTIVE) '''
 +
* Rate :7.80%
* Angkasa must be status ‘A’ active
* 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 ==
* Application Forms :
* Application Forms :
-
*'''**pls click here to download''':
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*KOBETA BRT FULL Application Form
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**[[Media:KOBETA-BRT-FULL-Application-Form.pdf]]
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**[[Media:Senarai-Semak-Forms.pdf]]
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* BPA - 2 copy
* BPA - 2 copy
* Photocopy of IC (disahkan majikan) - ori 3 copies
* Photocopy of IC (disahkan majikan) - ori 3 copies
* Payslip original - 1 copy (Carbon)
* Payslip original - 1 copy (Carbon)
* Payslip photocopy (ORI disahkan majikan) (3 copies) for 3 months
* Payslip photocopy (ORI disahkan majikan) (3 copies) for 3 months
-
* Pengesahan Jawatan-Letter Head / Form Koperasi also can be use (ORI)
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* Pengesahan Jawatan-Letter Head (ORI)
* Bank Account copy BANK RAKYAT (compulsory)
* Bank Account copy BANK RAKYAT (compulsory)
* Settlement statement (if any-exp in 1 month & above)
* Settlement statement (if any-exp in 1 month & above)
* Opsyen Letter (if any-with cop ori majikan)
* Opsyen Letter (if any-with cop ori majikan)
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* Kobeta Cash-i Checklist, pls click here to download - [[Media:Kobeta-Checklist-New.pdf]]
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*'''CONTOH ISI BORANG KOBETA BRT'''
 +
**please click : [[File:Kobeta-BRT-FormNEW-6.90.pdf]]
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== Non-Target Market ==  
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== Calculation Sheet & Repayment Table ==
 +
Kobeta Calculation :
 +
*CEF : [[Media:KOBETA-SUSB-CEF-New.zip]]
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'''[[Media:TM-and-NonTMkobeta-listing-NEW3.pdf]]''' -update 23/11/2016
+
 
 +
== 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'''
* AMANAH IKHTIAR MALAYSIA (2014) - '''NON TARGET MARKET'''
* LEMBAGA PEMBANGUNAN PELABURAN MALAYSIA (MIDA) - '''NON TARGET MARKET'''
* LEMBAGA PEMBANGUNAN PELABURAN MALAYSIA (MIDA) - '''NON TARGET MARKET'''
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== Target Market ==  
== 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
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# Lembaga Pemasaran Pertanian Persekutuan ( FAMA)
# MAJLIS AGAMA ISLAM WILAYAH PERSEKUTUAN (MAIWP)(21/9/2016)
# 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%)***
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# PLUS ***(Jwtn Manager ke atas, Gaji RM3K ke atas, kerja 3 Tahun ke atas, kelayakan 50%)***
== NON Target Jawatan ==
== NON Target Jawatan ==
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#POLIS BANTUAN
#POLIS BANTUAN
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== Calculation Sheet & Repayment Table ==
 
-
[[Media:KOBETABKR-CEF81-newGST.xls]]
 
-
[[Media:KOBETABKR-RT4.99.docx]]
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== Special Remarks ==
-
[[Media:KOBETABKR-RT5.99.docx]]
 
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[[Media:KOBETABKR-RT6.99.docx]]
 
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== Special Remarks / Update -KOBETA CIMB ==
 
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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:
 
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        :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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        : JUMLAH : RM1020#
 
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*Account Book: '''BANK RAKYAT'''
 
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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 : TAK Boleh Ada Ctos'''
 
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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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* '''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]]
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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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