Kobeta - Bank Rakyat
From Internal
Contents |
KOBETA CASH-i 2 P/O 82% -PROMO RAYA-FAST CASH
- Loan amount: 2,000 - 250,000
- Max tenure: 10 years
- Interest: 4.99%, 5.99% & 6.99%
- Processing: 3 - 5 days
Payout: 82%
- Upfront charges:
- Processing Fee: 100.00
- Registration Fee: 10.00
- Share: 100.00
- Yuran: 180.00
- Charity: 50.00
- Total: 440.00
- 2 months Installment
- No calculation of DSR / review of CCRIS
- Last Submission to kobeta is on 31-07-2013
- Calculation Sheet:
Product Features
- Location: Whole Malaysia
- Employment Status: 6 Months and Above.
- Interest Rate: 4.99%, 5.99% & 6.99%
- Tenure 2 to 10 YRS
- Payout: 92.5% -2Months-500-10-100 (KCI1)
- Tenure: Min 2 year - Max 10 years
- Finance: Min RM2,000 to RM250,000
- Salary: RM1500.00 and above only
- Age: 19 years and above
- Expired Facility: 60 years old(with opsyen letter + pengesahan jawatan letter head majikan yang menyatakan bersara wajib 60tahun)
- Yuran: RM30
- CTOS: No Limit(Case by case basis)
- TAT: 2 - 3 Weeks
- Permanent staff criteria-
- Rate: 4.99% Federal AG, Polis & Existing Customer
- Rate: 5.99% CTOS below 30k
- Rate: 6.99% CTOS over 30k / bankruptcy / Contract staff (KEMAS only)
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
**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)
**Bankcruptcy
- Rate :6.99%
- Pay Out :88%
Document List
- Kobeta Agreement (Page 1 - 14)
- BPA - 2 copy
- Photocopy of IC (disahkan majikan) - ori 3 copies
- Payslip original - 1 copy
- Payslip photocopy (ORI disahkan majikan) (3 copies) for 3 months
- Pengesahan Jawatan (ORI)
- Bank Account copy (disahkan majikan)
- Settlement statement (if any-exp in 2 weeks & above)
- Opsyen Letter (if any-with cop ori majikan)
- Kobeta Cash-i Checklist, pls click here to download - Media:Kobeta-Checklist.pdf
- Borang Kebenaran Spekar, pls click here to download - Media:Borang-Spekar.pdf
- SURAT AKUAN PENGESAHAN ANSURAN BULANAN, pls click here to download - Media:Surat-Akuan.pdf
Target Market
- All Government employee
- Refer to Msssb System > Department Report for more information
Expired Date of Payslip
Payslip will expire every 5th of the subsequent month, example:
- February payslip will expire on the 5th April
- March payslip will expire on the 5th May
Factor
| 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 92.5% - RM840
