Kobeta - Bank Rakyat
From Internal
(Difference between revisions)
(→Factor Kobeta Rakyat 90.5%) |
(→Document List) |
||
| Line 40: | Line 40: | ||
== Document List == | == Document List == | ||
| - | # Kobeta Agreement(Page 1 - 14) | + | # Kobeta Agreement (Page 1 - 14) |
# BPA - 1 copy | # BPA - 1 copy | ||
| - | # Photocopy of IC(disahkan majikan) - 2 copies | + | # Photocopy of IC (disahkan majikan) - 2 copies |
# Payslip original - 1 copy | # Payslip original - 1 copy | ||
| - | # Payslip photocopy(disahkan majikan)(3 copies) for 3 months | + | # Payslip photocopy (disahkan majikan) (3 copies) for 3 months |
# Pengesahan Jawatan | # Pengesahan Jawatan | ||
| - | # Bank Account copy(disahkan majikan) | + | # Bank Account copy (disahkan majikan) |
| - | # Settlement statement(if any) | + | # Settlement statement (if any) |
| - | # Opsyen Letter(if any) | + | # Opsyen Letter (if any) |
== Target Market == | == Target Market == | ||
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
- Kobeta Agreement (Page 1 - 14)
- BPA - 1 copy
- Photocopy of IC (disahkan majikan) - 2 copies
- Payslip original - 1 copy
- Payslip photocopy (disahkan majikan) (3 copies) for 3 months
- Pengesahan Jawatan
- Bank Account copy (disahkan majikan)
- Settlement statement (if any)
- 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
