Kobeta - Bank Rakyat

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(→Factor Koputri 6.99%-90.5%)
(→Factor Kobeta Rakyat 90.5%)
Line 57: Line 57:
== Factor Kobeta Rakyat 90.5% ==
== Factor Kobeta Rakyat 90.5% ==
-
YEARS ..MONTH.. FACTOR
+
{| class="wikitable" style="text-align:center"
-
*1...........12...........11
+
! YEARS !! MONTH !! FACTOR
-
*2...........24...........21
+
|-
-
*3...........36...........30
+
! 1
-
*4...........48...........38
+
| 12 || 11
-
*5...........60...........46
+
|-
-
*6...........72...........52
+
! 2
-
*7...........84...........59
+
| 24 || 21
-
*8...........96...........64
+
|-
-
*9...........108..........69
+
! 3
-
*10..........120..........74
+
| 36 || 30
-
*11..........132..........79
+
|-
-
*12..........144..........83
+
! 4
-
*13..........156..........87
+
| 48 || 38
-
*14..........168..........91
+
|-
-
*15..........180..........94
+
! 5
-
*16..........192..........97
+
| 60 || 46
-
*17..........204..........100
+
|-
-
*18..........216..........103
+
! 6
-
*19..........228..........106
+
|72 || 52
-
*20..........240..........108
+
|-
 +
! 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 * (60%/50%/40%) - all deduction - <B>RM30</b> x factor
+
* LOAN ELIGIBLE = Gross Salary x (60%/50%/40%) - all deduction - <B>RM30</b> x factor
-
* IN HAND = LOAN ELIGIBLE X 90.5% - RM840
+
* IN HAND = LOAN ELIGIBLE X 90.5% - RM840

Revision as of 08:33, 19 October 2011

Contents

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
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