Kobeta - Bank Rakyat-NEW

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== Target and Non-Target Market ==  
== Target and Non-Target Market ==  
-
[[Media:TM-and-NonTMkobeta-listing-NEW.xlsx]]
+
[[Media:TM-and-NonTMkobeta-listing-NEW1.xlsx]]
== Calculation Sheet & Repayment Table ==
== Calculation Sheet & Repayment Table ==

Revision as of 01:10, 23 April 2015

Contents

Product Features

  • Location: Whole Malaysia
  • Employment Status: 6 Months and Above.
  • Salary: RM1500.00 and above only
  • Age: 19 years and above
  • Loan amount: 2,000 - 250,000
  • Max tenure: 10 years
  • Interest :
    • Rate: 4.99% Federal AG, Polis & Existing Customer
    • Rate: 5.99% State AG & preferred GLC such as(Majlis,University,LHDN, PERKESO)
    • Rate: 6.99% CTOS over 30k & BANKRUPTCY (-compulsory to settle if want to proceed)
  • TAT: 2-3 weeks
  • Payout: 81%
  • Upfront charges:
    • RM1020.00
    • 2 months Installment
  • CTOS: Ctos below RM30K
    • above RM30K proceed with interest 6.99%,compulsory to settle.
  • Calculation Sheet:

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

**Acc Book

  • KOBETA CASH I : please make sure that customers provide Bank Rakyat account number only other than that will not be acceptable by Bank Rakyat.

**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)
  • CTOS AS Gurantor – Tiada had ditentukan

**Bankcruptcy

  • Rate :6.99%
  • Angkasa must be status ‘A’ active

Document List

  • Application Forms :

**pls click here to download - Media:Full-Application-Forms.pdf

  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-Letter Head / Form Koperasi also can be use (ORI)
  7. Bank Account copy (disahkan majikan)
  8. Settlement statement (if any-exp in 1 month & above)
  9. Opsyen Letter (if any-with cop ori majikan)
  10. Kobeta Cash-i Checklist, pls click here to download - Media:Kobeta-Checklist-New.pdf
  11. Agreement Kobeta Cash-i (perlu disertakan dalam borang permohonan 2set/ pls copy front back-COMPULSORY)

**pls click here to download - Media:Agreement-Cash-i.pdf

  1. New Agreement Bank Rakyat (perlu disertakan dalam borang permohonan 1set / pls copy front back-COMPULSORY)

**pls click here to download - Media:New-Agreement.pdf

Target and Non-Target Market

Media:TM-and-NonTMkobeta-listing-NEW1.xlsx

Calculation Sheet & Repayment Table

Media:KOBETABKR-CEF81.xls

Media:KOBETABKR-RT4.99.docx

Media:KOBETABKR-RT5.99.docx

Media:KOBETABKR-RT6.99.docx

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