Kobeta - Bank Rakyat

From Internal

Contents 1 Product Features PERMANENT 2 Product Features CONTRACT 3 Opsyen Calculation 4 Important Note 5 Document List 6 Target Market 7 Expired Date of Payslip 8 Factor Kobeta Rakyat 90.5%

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