Kobeta - Bank Rakyat

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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
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== Factor ==
 
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{| class="wikitable" style="text-align:center"
 
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! YEARS !! MONTH !! FACTOR
 
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|-
 
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! 1
 
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| 12 || 11
 
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|-
 
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! 2
 
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| 24 || 21
 
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|-
 
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! 3
 
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| 36 || 30
 
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|-
 
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! 4
 
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| 48 || 38
 
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|-
 
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! 5
 
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| 60 || 46
 
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|-
 
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! 6
 
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|72 || 52
 
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|-
 
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! 7
 
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| 84 || 59
 
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|-
 
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! 8
 
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| 96 || 64
 
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|-
 
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! 9
 
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| 108 || 69
 
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|-
 
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! 10
 
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| 120 || 74
 
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|-
 
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! 11
 
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| 132 || 79
 
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|-
 
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! 12
 
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| 144 || 83
 
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|-
 
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! 13
 
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| 156 || 87
 
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|-
 
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! 14
 
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| 168 || 91
 
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|-
 
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! 15
 
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| 180 || 94
 
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|-
 
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! 16
 
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| 192 || 97
 
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|-
 
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! 17
 
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| 204 || 100
 
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|-
 
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! 18
 
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| 216 || 103
 
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|-
 
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! 19
 
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| 228 || 106
 
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|-
 
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! 20
 
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| 240 || 108
 
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|}
 
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* LOAN ELIGIBLE = Gross Salary x (60%/50%/40%) - all deduction - <B>RM30</b> x factor
 
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* 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

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:

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

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