Kobeta - Bank Rakyat

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Revision as of 03:37, 25 July 2013 (view source) Mimi (Talk | contribs) (→Document List) ← Older edit		Revision as of 05:01, 25 July 2013 (view source) Mimi (Talk | contribs) (→Factor) Newer edit →
Line 82:		Line 82:
	* February payslip will expire on the 5th April		* February payslip will expire on the 5th April
	* March payslip will expire on the 5th May		* March payslip will expire on the 5th May
-
-	== Factor ==
-	{| class="wikitable" style="text-align:center"
-	! 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 - <B>RM30</b> x factor
-	* IN HAND = LOAN ELIGIBLE X 92.5% - RM840
	== Calculation Sheet & Repayment Table ==		== Calculation Sheet & Repayment Table ==

---

Revision as of 05:01, 25 July 2013

Contents 1 KOBETA CASH-i 2 P/O 82% -PROMO RAYA-FAST CASH 2 Product Features 3 Opsyen Calculation 4 Important Notes 5 Document List 6 Target Market 7 Expired Date of Payslip 8 Calculation Sheet & Repayment Table

KOBETA CASH-i 2 P/O 82% -PROMO RAYA-FAST CASH

• Loan amount: 2,000 - 250,000
• Max tenure: 10 years
• Interest: 4.99%, 5.99% & 6.99%
• Processing: 3 - 5 days

Payout: 82%

• Upfront charges:
  • Processing Fee: 100.00
  • Registration Fee: 10.00
  • Share: 100.00
  • Yuran: 180.00
  • Charity: 50.00
  • Total: 440.00
  • 2 months Installment
• No calculation of DSR / review of CCRIS
• Last Submission to kobeta is on 31-07-2013
• Calculation Sheet:
  • Media:kobeta-KC2-CEF.xls

Product Features

• Location: Whole Malaysia
• Employment Status: 6 Months and Above.
• Interest Rate: 4.99%, 5.99% & 6.99%
  • Tenure 2 to 10 YRS
• Payout: 92.5% -2Months-500-10-100 (KCI1)
• Tenure: Min 2 year - Max 10 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
• Permanent staff criteria-
  • Rate: 4.99% Federal AG, Polis & Existing Customer
  • Rate: 5.99% CTOS below 30k
  • Rate: 6.99% CTOS over 30k / bankruptcy / Contract staff (KEMAS only)

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 - 2 copy
3. Photocopy of IC (disahkan majikan) - ori 3 copies
4. Payslip original - 1 copy
5. Payslip photocopy (ORI disahkan majikan) (3 copies) for 3 months
6. Pengesahan Jawatan (ORI)
7. Bank Account copy (disahkan majikan)
8. Settlement statement (if any-exp in 2 weeks & above)
9. Opsyen Letter (if any-with cop ori majikan)
10. Kobeta Cash-i Checklist, pls click here to download - Media:Kobeta-Checklist.pdf
11. Borang Kebenaran Spekar, pls click here to download - Media:Borang-Spekar.pdf
12. SURAT AKUAN PENGESAHAN ANSURAN BULANAN, pls click here to download - Media:Surat-Akuan.pdf

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

Calculation Sheet & Repayment Table

Media:KOBETABKR-CEF.xls

Media:KOBETABKR-RT5.99.pdf

Media:KOBETABKR-RT6.99.pdf