Kobeta - Bank Rakyat

From Internal

Revision as of 08:30, 20 May 2013

Product Features

• Location: Whole Malaysia
• Employment Status: 6 Months and Above.
• Interest Rate: 4.99%, 5.99% & 6.99%
  • Tenure 2 to 20 YRS
• Payout: 92.5% - RM840 - 2 months installment
• Tenure: Min 1 year - Max 20 years
• Finance: Min RM2,000 to RM250,000
• Salary: RM1500.00 and above only
• Age: 19 years and above
• Expired Facility: 60 years old(with opsyen letter + pengesahan jawatan letter head majikan yang menyatakan bersara wajib 60tahun)
• Yuran: RM30
• CTOS: No Limit(Case by case basis)
• 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 Notes

**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)

**Bankcruptcy

• Rate :6.99%
• Pay Out :88%

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

Media:TMandNonTM-listing.xls

Expired Date of Payslip

Payslip will expire every 5th of the subsequent month, example:

• February payslip will expire on the 5th April
• March payslip will expire on the 5th May

Factor

• LOAN ELIGIBLE = Gross Salary x (60%/50%/40%) - all deduction - RM30 x factor
• IN HAND = LOAN ELIGIBLE X 92.5% - RM840

Calculation Sheet & Repayment Table

Media:KOBETABKR-CEF.xls

Media:KOBETABKR-RT5.99.pdf

Media:KOBETABKR-RT6.99.pdf