Kobeta - Bank Rakyat

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Revision as of 10:19, 19 October 2011

Contents 1 Product Features PERMANENT 2 Product Features CONTRACT 3 Opsyen Calculation 4 Important Note 5 Document List 6 Target Market 7 Expired Date of Payslip 8 Factor Kobeta Rakyat 90.5%

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

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%

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