Kobeta - Bank Rakyat

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Revision as of 05:11, 29 September 2011 by 192.168.1.16 (Talk)
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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 * (60%/50%/40%) - all deduction - RM30 x factor
  • IN HAND = LOAN ELIGIBLE X 90.5% - RM840
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