Kobeta - Bank Rakyat
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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)
- Please be informed that “Pengawal Keselamatan” (Safety Guard) for permanent, contract and temporary staff is Non Target Position at KOBETA.
- PINAJAMAN SEHINGGA UMUR 59THN (OPSYEN 60)-Mohon kerjasama dari tuan untuk mendapatkan surat pengesahan jawatan dari majikan yang menyatakan persaraan sehingga umur 60 tahun (arahan dari ANGKASA).
- Contract staff (biasa)-CONTRACT STAFF for all government servant & private sector (as per Target List) is non target market for Koperasi Bersatu Tenaga (M) Berhad (KOBETA) except kemas.
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)
- CTOS AS Gurentor – Tiada had ditentukan
**Bankcruptcy
- Rate :6.99%
- Pay Out :88%
- Angkasa must be status ‘A’ active
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 and Non-Target Market
Media:TM-and-NonTMkobeta-listing.xlsx
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
