Kobeta - Bank Rakyat
From Internal
(Difference between revisions)
(→Factor) |
|||
| Line 56: | Line 56: | ||
== Expired Date of Payslip == | == Expired Date of Payslip == | ||
| - | == Factor == | + | == Factor Koputri 6.99%-90.5% == |
| + | 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 * (60%/50%/40%) - all deduction - <B>RM30</b> x factor | ||
| + | * IN HAND = LOAN ELIGIBLE X 90.5% - RM840 | ||
Revision as of 05:10, 29 September 2011
Contents |
Product Features PERMANENT
- Location: Whole Malaysia
- Employment Status: 6 Months and Above.
- Interest Rate:
- Tenure 1 to 2 YRS : 5.50%
- Tenure 3 to 10 YRS : 5.99%
- Tenure 11 to 20 YRS : 6.50%
- 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
- Kobeta Agreement(Page 1 - 14)
- BPA - 1 copy
- Photocopy of IC(disahkan majikan) - 2 copies
- Payslip original - 1 copy
- Payslip photocopy(disahkan majikan)(3 copies) for 3 months
- Pengesahan Jawatan
- Bank Account copy(disahkan majikan)
- Settlement statement(if any)
- Opsyen Letter(if any)
Target Market
- All Government employee
- Refer to Msssb System > Department Report for more information
Expired Date of Payslip
Factor Koputri 6.99%-90.5%
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 * (60%/50%/40%) - all deduction - RM30 x factor
- IN HAND = LOAN ELIGIBLE X 90.5% - RM840
