Internal - User contributions [en]

Komuja-KOPSYA

2016-11-18T13:06:30Z

Chew: /* Calculation Sheet & Repayment Table */

== Product Features ==
* Location: Whole Malaysia '''(AG PAYSLIP ONLY)'''
* Interest Rate: 15%
* Payout: 50%
* Kelayakan : 60%
* Tenure:Min 2 - 5 years
* Finance:Min RM5,000 to RM100,000
* Salary:RM1500.00 and above only
* Age:21 - 57 years
* Tat:1 weeks (depend on confirmation job)
* Yuran:RM30
* CTOS: Ctos below RM30K, regardless of external commitments and CCRIS

== Document List ==
*KOMUJA-KOPSYA FORMS:-please click below:
**[[Media:KOMUJA-KOPSYA-Application-Form.zip1]]
**[[Media:KOMUJA-KOPSYA-Payment-Voucher.pdf1]]

== Calculation Sheet & Repayment Table ==
* [[Media:KOMUJA-KOPSYA-New.xlsx]]
== NON TARGET MARKET ==
* CURE & CARE REHABILITATION CENTRE (CCRC) KARAK AGENSI ANTIDADAH KEBANGSAAN

KopMaju (Project) - Bank Rakyat

2016-09-27T06:04:44Z

Chew: /* Product Features */

== Product Features ==
* Location : WEST MALAYSIA SHJ
* Interest Rate : 10.00%
* Angkasa Fee : 2%
* Payout : 50%
* Tenure : 2 - 8 Years
* Min Loan : RM10000.00-RM30000.00 (salary below 3K)= 10 time salary for salary above RM3K
* Work : 1 Year and above
* Salary : RM1500.00 and above
* Age : 18 AND ABOVE
* Tat : 2-3 WEEKS ( SUBJECT TO : (COMPLETE DOCS N CUSTOMER N MAJIKAN VERIFICATION)
* Fees : RM30
* ACCOUNT : ALLOW TO HAVE 2 ACCOUNTS '''(for normal case only)'''
* TARGET MARKET : AG ONLY

* For more details, pls click below:
**Criteria :
* NON TARGET MARKET : PEGAWAI KESELAMATAN

== Document List ==
* 3 copies of NRIC [original certified by the employer].
* 3 copies of Salary Slip of the latest past 3 months [original certified by the employer-COMPULSORY 3COPY each months-all must have 9 copies] -e.
* Confirmation and verification letter on employment status (Pengesahan Jawatan)-e.
* BPA Forms(1 pcs)
* Copy of Retirement Option Letter (if any).
* Accounts Book: '''Any acc also can'''
* Latest Utility Bill (Original -WATER / ELECTRIC) -address must be same with application forms '''(Compulsory)'''.
**Special Note 1: '''All forms must be written completely, if no information is to be written (NIL), do not leave blank space in form and do not write the date'''.
**Special Note 2: '''Compulsory use black pen and capital letters when filling out the form'''.

== Application Form to be download ==
Application Forms:
*[[Media:KOPMAJU-PROJECTForm-NEW1.pdf]]
Additional Forms:
*[[Media:KOPMAJU-ADDITIONAL.pdf]]
*[[Media:KOPMAJU-CARA-ISI-FORM.pdf]]
* '''BORANG YANG PERLU FOTOSTAT DEPAN BELAKANG.'''
# Scan page 2 & 3
# Scan page 4 & 5
# Scan page 10 & 11
# Scan page 12 & 13

== Calculation Sheet ==
[[Media:KOPMAJU-BKR-TETAP-NEW1.xls]]

Kospem-KOPSYA

2016-09-09T06:51:40Z

Chew: /* Product Features */

== Product Features ==
* Location:applicable only for West Malaysia-'''(AG PAYSLIP ONLY)''',Sabah & Sarawak will not be eligible to apply.
* Interest Rate: 15%
* Payout: 50%
* Kelayakan : 60%
* Tenure:Min 2 - 8 years (1/9/2016 tenure extended from 5 to 8 years)
* Finance:Min RM15,000 to RM100,000
* Salary:RM1500.00 and above only
* Age:21 - 57 years
* Tat:2 weeks (depend on confirmation job)
* Yuran:RM30
* CTOS: Ctos below RM30K, regardless of external commitments and CCRIS

== Document List ==
*KOSPEM-KOPSYA FORMS:-please click below:
**[[Media:KOSPEM-KOPSYA-Application-Form-New4.pdf]]
#'''SURAT TAWARAN PEMBIAYAAN PERIBADI KP06a KP06b, KP06c dan KP06d, SILA PRINT DEPAN BELAKANG (front back).'''
#'''PERMOHONAN MENJADI ANGGOTA KP12a dan KP12b SILA PRINT DEPAN BELAKANG (FRONT BACK).'''
#'''RUANG TANDATANGAN SAKSI AGENT TIDAK PERLU TANDATANGAN.'''
*[[Media:KOSPEM-KOPSYA-ADDITIONAL-FORMS.pdf]]
*Sorting Form -[[Media:Sorting-Form.pdf]]
*SEKIRANYA ADA PERUBAHAN AKAN DIBERITAHU KELAK..TQ

== Calculation Sheet & Repayment Table ==
*[[Media:KOSPEM-KOPSYA-New2.xls]]
*[[Media:KOSPEM-KOPSYA-Repayment-Table.pdf]]

Kobeta - Bank Rakyat @ CIMB

2016-09-07T12:12:54Z

Chew: /* Target and Non-Target Market */

== Special Remarks / Update -KOBETA CIMB ==
We have a new Kobeta package, KOBETA-CIMB. You have an opsyen to choose this package if you find that KOBETA-BRT is slow in reimbursement. KOBETA-CIMB can be better in reimbursing the Loan.

The criteria as per below:
*Location: Whole Malaysia
*Employment Status: 6 Months and Above.
*Loan amount: 2,000 - 250,000
*Min & Max tenure: '''10 years (Fix)'''
*Interest:
**Rate: 4.99% Federal AG, Polis & Existing Customer
**Rate: 5.99% State AG & preferred GLC such as(Majlis,University,LHDN, PERKESO)
*Payout: 81%-1020.00-180 - 2 months Installment
**Details:
:Processing Fee = RM100
: Tabung Khairat = RM50
: Saham = RM500
: Fee Masuk = RM10
: Koperasi Protection Fee = RM360
: JUMLAH : RM1020#
*Account Book: '''BANK RAKYAT'''
*Fees : Rm30 will start deduct after 6 months
*TAT: 2-3 weeks
*'''CTOS : TAK Boleh Ada Ctos'''
*For more details pls call Mr Chew /Mimi.
*Borang boleh minta daripada Pn. Asma

== Product Features == KOBETA BANK RAKYAT ==
* Location: Whole Malaysia
* Employment Status: 6 Months and Above.
* Salary: RM1500.00 and above only
* Age: 19 years and above
* Loan amount: 2,000 - 250,000
* Max tenure: 10 years
* Interest :
**Rate: 4.99% Federal AG, Polis & Existing Customer
**Rate: 5.99% State AG & preferred GLC such as(Majlis,University,LHDN, PERKESO)
**Rate: 6.99% CTOS over 30k & BANKRUPTCY (-compulsory to settle if want to proceed)
* Yuran : waive ( yuran rm30 will start deduct after 6 months)
* TAT: 2-3 weeks
* Payout: 81%
* Upfront charges:
** RM1020.00
** 2 months Installment
* CTOS: Ctos below RM30K
**above RM30K proceed with interest 6.99%,compulsory to settle.
* Calculation Sheet:
** [[Media:kobeta-Cash-i-CEF-GST.xls]]

== 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 ==
'''**STATE SARAWAK PAYSLIP'''
* majikan ini KOBETA hanya ambil kelayakn 50% sahaja.

'''**Acc Book'''
*KOBETA CASH I : please make sure that customers provide Bank Rakyat account number only other than that will not be acceptable by Bank Rakyat.

'''**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 Gurantor – Tiada had ditentukan

'''**Bankcruptcy'''
* Rate :6.99%
* Angkasa must be status ‘A’ active

== Document List ==
* Application Forms :
*'''**pls click here to download''':
**[[Media:KOBETA-BRT-FULL-Application-Form.pdf]]
**[[Media:Senarai-Semak-Forms.pdf]]
* BPA - 2 copy
* Photocopy of IC (disahkan majikan) - ori 3 copies
* Payslip original - 1 copy (Carbon)
* Payslip photocopy (ORI disahkan majikan) (3 copies) for 3 months
* Pengesahan Jawatan-Letter Head / Form Koperasi also can be use (ORI)
* Bank Account copy BANK RAKYAT (compulsory)
* Settlement statement (if any-exp in 1 month & above)
* Opsyen Letter (if any-with cop ori majikan)
* Kobeta Cash-i Checklist, pls click here to download - [[Media:Kobeta-Checklist-New.pdf]]

== Target and Non-Target Market ==

[[Media:TM-and-NonTMkobeta-listing-NEW2.pdf]]
* AMANAH IKHTIAR MALAYSIA (2014) - '''NON TARGET MARKET'''
* LEMBAGA PEMBANGUNAN PELABURAN MALAYSIA (MIDA) - '''NON TARGET MARKET'''
* SABAH ELECTRICITY SDN BHD - '''NON TARGET MARKET'''
* MALAYSIA AIRPORT HOLDINGS BERHAD - '''NON TARGET MARKET'''
* UEM LAND BERHAD - '''NON TARGET MARKET'''
* TEKUN NASIONAL - '''NON TARGET MARKET'''
* LEMBAGA MUZIUM NEGERI TERENGGANU - '''NON TARGET MARKET'''
* KOLEJ POLY TECH-MARA (MAY 2016) - '''NON TARGET MARKET'''
* SAJ HOLDING SDN BHD (SAJ)''NON TARGET MARKET'''
8 PERBADANAN BUKIT BENDERA PULAU PINANG ''NON TARGET MARKET'''

== NON Target Jawatan ==

#PENGAWAL KESELAMATAN/ JAGA
#GURU KAFA
#TUKANG MASAK
#TUKANG KAYU
#AHLI SUKAN
#TENTERA
#JURU TOL
#ARTIS BUDAYA
#JURU METER
#GURU PENDIDIKAN BUKAN SISWAZAH
#JURULATIH KESATRIA (PLKN)
#TEA LADY
#PEKERJA SAMBILAN
#PEKERJA KONTRAK
#POSMEN
#POLIS BANTUAN

== Calculation Sheet & Repayment Table ==
[[Media:KOBETABKR-CEF81-newGST.xls]]

[[Media:KOBETABKR-RT4.99.docx]]

[[Media:KOBETABKR-RT5.99.docx]]

[[Media:KOBETABKR-RT6.99.docx]]

Ukhwah - MBB

2016-08-17T08:32:22Z

Chew: /* Accepted and Rejected List */

== Product Features ==
* Location:Whole Malaysia
* Interest Rate Scheme A(AG,FEDERAL,STATES,POLICE&University)
* Kerajaan Negeri Sabah dan Sarawak (kecuali AG & Polis),kelayakan dikira 50% shj
**4.35% = 2-3 years
**4.99% = 4-10 years
* Interest Rate Scheme B(GLCs)
**5.45% =2-10 years
* Interest Rate Scheme C(CTOS HIT)
**6.99%
* Payout: 90%
* UPFRONT DEDUCTION RM506
* Tenure:Min 2 year - Max 10 years
* Finance:Min RM2,000 to RM250,000
* Salary:refer criteria below
* Age:19 - 57 years
* Work:1 Year & above (must be TETAP & TELAH DISAHKAN JAWATAN-compulsory)
* Tat:2-3 weeks
* Yuran:RM30
* CTOS: Ctos below RM30K
**above RM30K proceed with interest 6.99%, ctos amount below RM50K can go normally but if ctos above RM50K, compulsory to settle.
**compulsory to provide latest full outstanding settlement statement.
* For more details, pls click below:
**Criteria : [[Media:UKHWAHcriteria_16.pdf]]-NEW APRIL 2016
**Criteria : [[Media:UKHWAHcriteria_15.pdf]]-NEW AUG 2015
**Criteria : [[Media:UKHWAHcriteria_02.pdf]]-OLD 2014
== Special Remarks ==
1. '''26/05/16''' -Mulai bulan 1/Jun/2016,semua permohonan pembiayaan hendaklah
dilengkapkan dengan "Self Declaration Income".Salinan Slip Bank atau Slip Gaji bagi pendapatan tambahan pemohon dan pendapatan pasangan hendaklah dilampirkan bersama.Borang ini hendaklah dikepilkan bersama dokumen-dokumen untuk kegunaan bank.
* Declaration Forms: [[Media:Declaration-Forms-NEW.pdf]]
2. Untuk dapatkan full settlement statement ukhwah sila buat surat dan email kepada:
*'''ainieshahira@ukhwah.com.my''''
*'''Fax:03-26910530 attn: Ms Ainie'''

== Payslip expiry date ==
Payslip will expire every 10th. Example:

* February payslip will expire on the 10th April.
* March payslip will expire on the 10th May

== Document List ==
UKHWAH FORMS:
*Borang Senarai Semak-PAGE 1 OF 15
*Borang Senarai Semak-PAGE 2 OF 15
*Borang Permohonan Menjadi Anggota Koperasi-PAGE 3 OF 15
*Borang Permohonan Pembiayaan Peribadi UKHWAH-i-PAGE 4&5 OF 15
*Borang Pengesahan Jawatan-PAGE 6 OF 15
*Borang Surat Tawaran Pembiayaan Peribadi-PAGE 7,8,9&10 OF 15 (2 sets)
*Borang Perjanjian Pembelian Aset-PAGE 11 OF 15
*Borang Perjanjian Penjualan Aset-PAGE 12 OF 15
*Borang Notice / Consent By The Member -PAGE 13 OF 15
*Borang Kebenaran Potongan-PAGE 14 OF 15
*Borang Perlantikan Wakil
*Borang BPA (2 pcs)
* Declaration Forms: [[Media:Declaration-Forms.pdf]]
Others:
* 1 original latest Salary Slip.
**3 copies of Salary Slip of the latest past 3 months [original certified by the employer-COMPULSORY 3COPY].
*3 copies of NRIC [original certified by the employer].
*Respective head of division/department’s confirmation and verification letter on employment status
*A copy of bank passbook or statement [preferably Maybank].
*Certified Settlement Statement [required for overlapping-exp 2 weeks & above].
*Copy of Retirement Option Letter, if applicant choose to retire at the age of 56/58/60 [original Certified by Employer].
*Copy of Employment Offer Letter in case of service less than 1 year [original Certified by Employer].
*Borang Spekar Angkasa, pls clink the link below:
**[[Media:Spekar-Ukh.pdf]]
*FATCA FORM, pls clink the link below:
**[[Media:FATCA-Ukh1.pdf]]

== Allowances ==

=== Accepted and Rejected List ===
[[Media:TM-and-NonTM-listing.pdf]]
*'''NON TARGET MARKET'''
#AMANAH IKHTIAR MALAYSIA -NON TARGET MARKET
#PUNCAK NIAGA (M) SDN BHD - NON TARGET MARKET
#PERBADANAN MUZIUM MELAKA -NON TARGET MARKET
#TENAGA NASIONAL BHD -NON TARGET MARKET
#SABAH ELECTRICITY SDN BHD - NON TARGET MARKET
#PLUS (LEBUHRAYA) - NON TARGET MARKET
#PUSTAKA NEGERI SARAWAK - NON TARGET MARKET
#FELDA - NON TARGET MARKET
#UEM LAND BHD - NON TARGET MARKET
#UNIVERSITY ISLAM MALAYSIA (UIM) - NON TARGET MARKET
#UNIVERSITI TENAGA NASIONAL - NON TARGET MARKET
#KOLEJ POLY-TECH MARA - NON TARGET MARKET
#MALAYSIA AIRPORTS HOLDINGS BHD - NON TARGET MARKET
* JABATAN AIR NEGERI SABAH
*more updated rejection /NTM company list pls click the link below:
**[[Media:NTM-LIST.pdf]]

*'''TARGET MARKET'''
#PERBADANAN HARTA INTELEK MALAYSIA (Myipo)
#DEWAN BANDARAYA KUALA LUMPUR (DBKL)

== Calculation Sheet & Repayment Table ==
Ukhwah Calculation System:

[[http://www.ukhwah.com.my/eforms.html]]
*Login : ukhwah
*Password : 12345678

*[[Media:UKHWAH-Repayment-Table-A.pdf]]
*[[Media:UKHWAH-Repayment-Table-B.pdf]]
*[[Media:UKHWAH-Repayment-Table-C.pdf]]

KopMaju (Project) - Bank Rakyat

2016-06-17T07:29:13Z

Chew: /* Product Features */

== Product Features ==
* Location : WEST MALAYSIA SHJ
* Interest Rate : 10.00%
* Angkasa Fee : 2%
* Payout : 50%
* Tenure : 2 - 10 Years
* Work : 1 Year and above
* Salary : RM1500.00 and above
* Age : 18 AND ABOVE
* Tat : 2-3 WEEKS ( SUBJECT TO : (COMPLETE DOCS N CUSTOMER N MAJIKAN VERIFICATION)
* Fees : RM30
* ACCOUNT : ALLOW TO HAVE 2 ACCOUNTS
* TARGET MARKET : AG ONLY

* For more details, pls click below:
**Criteria :

== Document List ==
* 3 copies of NRIC [original certified by the employer].
* 3 copies of Salary Slip of the latest past 3 months [original certified by the employer-COMPULSORY 3COPY each months-all must have 9 copies] -e.
* Confirmation and verification letter on employment status (Pengesahan Jawatan)-e.
* BPA Forms(2pcs)
* Copy of Retirement Option Letter (if any).
* Accounts Book: '''Any acc also can'''
* Latest Utility Bill (Original -WATER / ELECTRIC) -address must be same with application forms '''(Compulsory)'''.
**Special Note 1: '''All forms must be written completely, if no information is to be written (NIL), do not leave blank space in form and do not write the date'''.
**Special Note 2: '''Compulsory use black pen and capital letters when filling out the form'''.

== Application Form to be download ==
*[[Media:KOPMAJU-PROJECTForm-NEW16.pdf]]

== Calculation Sheet ==
[[Media:KOPMAJU-BKR-TETAP-NEW.xls]]

Public Bank - MCCM

2016-06-10T12:41:42Z

Chew: /* Target Market & Non Target Market */

== Product Features ==
* Location:Whole Malaysia (AG,FEDERAL,STATES,POLICE) & GLC's company with existing Angkasa salary deduction
* '''GLC's''' : entitled up to 75% (with T&C apply)
* Interest Rate:4.38%
* Tenure:Min 2 year - Max 10 years
* Payout: 91%
* Finance:Min RM5,000 to RM150,000
* Salary:RM1500.00 and above only
* Age:20 - 57 years
* Work:(AG) 6 months & above (OTHER) 1 YEAR & ABOVE
* Tat:2 weeks
* Yuran:Waive
* DSR @ COMMITMENT :calculation 90%
* CCRIS: Arrears must not be more than 2 months,be taken in calculating loan, above 3 months REJECT.
# For ccris above 3 months if cust want to proceed, cust have to settle first the ccris & when bank already updated the ccris system clear only then cust can send doc here to process.
* Ctos : Need to settle.

== Special Remark ==
* '''After the loan is approved, the applicant must go to a branch of the Public bank chose to sign a consent form.'''
* '''Wajib dapatkan Pengesahan Jawatan dari pihak majikan-Original.'''

== Document List ==
* Full set application forms Public Bank & Mccm
* BPA form (1pcs)
* 3 copies of NRIC [original certified by the employer].
* 1 original latest Salary Slip -(if carbon payslip)
**3 copies of Salary Slip of the latest past 3 months [original certified by the employer-COMPULSORY 3COPY].
* Confirmation Letter Of Employment-Original.

== Target Market & Non Target Market ==
[[Media:Pbb-MCCM-TM.pdf]] -

'''NON TARGET MARKET'''
* Pengawai Keselamatan dan Pemandu terutamanya gaji dibawah RM2K TIDAK layak dlm pakej PBB
* Bekalan Air Selangor Sdn Bhd / Puncak Niaga
* Malaysia Airport Holding Berhad
* Percetakan Nasional Berhad
* Alam Flora
* TELEKOM MALAYSIA BHD
* TENAGA NATIONAL BHD

'''TAK TERIMA JAWATAN''
* PEMANDU
* PENGAWAL KESELAMATAN

'''TARGET MARKET'''
* LEMBAGA HASIL DALAM NEGERI (LHDN)
* JOHOR PORT BERHAD
* SYARIKAT AIR PERLIS SDN BHD
* SYARIKAT BEKALAN AIR SELANGOR SDN BHD
* MAKTAB KERJASAMA MALAYSIA
* Pos Malaysia - '''can do loan with PBB but compulsory to provide standard Confirmation Letter (with salary & deduction salary detail)'''
* PERBADANAN NASIONAL BERHAD (PNS)
* FINAS
* PERTUBUHAN PELADANG NEDERI JOHOR
* MADA
* FELCRA BHD
* AMANAH IKHTIAR MALAYSIA
* KOLEJ POLY-TECH MARA
* LEMBAGA SUNGAI SARAWAK

== Repayment Table & CEF ==
*[[Media:Pbb-MCCM-Repayment-Table-new.pdf]]
*[[Media:Pbb-MCCM-Calculation-new.zip]]

Public Bank - MCCM

2016-05-28T02:09:14Z

Chew: /* Target Market & Non Target Market */

== Product Features ==
* Location:Whole Malaysia (AG,FEDERAL,STATES,POLICE) & GLC's company with existing Angkasa salary deduction
* '''GLC's''' : entitled up to 75% (with T&C apply)
* Interest Rate:4.38%
* Tenure:Min 2 year - Max 10 years
* Payout: 91%
* Finance:Min RM5,000 to RM150,000
* Salary:RM1500.00 and above only
* Age:20 - 57 years
* Work:(AG) 6 months & above (OTHER) 1 YEAR & ABOVE
* Tat:2 weeks
* Yuran:Waive
* DSR @ COMMITMENT :calculation 90%
* CCRIS: Arrears must not be more than 2 months,be taken in calculating loan, above 3 months REJECT.
# For ccris above 3 months if cust want to proceed, cust have to settle first the ccris & when bank already updated the ccris system clear only then cust can send doc here to process.
* Ctos : Need to settle.

== Special Remark ==
* '''After the loan is approved, the applicant must go to a branch of the Public bank chose to sign a consent form.'''
* '''Wajib dapatkan Pengesahan Jawatan dari pihak majikan-Original.'''

== Document List ==
* Full set application forms Public Bank & Mccm
* BPA form (1pcs)
* 3 copies of NRIC [original certified by the employer].
* 1 original latest Salary Slip -(if carbon payslip)
**3 copies of Salary Slip of the latest past 3 months [original certified by the employer-COMPULSORY 3COPY].
* Confirmation Letter Of Employment-Original.

== Target Market & Non Target Market ==
[[Media:Pbb-MCCM-TM.pdf]] -

'''NON TARGET MARKET'''
* Pengawai Keselamatan dan Pemandu terutamanya gaji dibawah RM2K TIDAK layak dlm pakej PBB
* Bekalan Air Selangor Sdn Bhd / Puncak Niaga
* Malaysia Airport Holding Berhad
* Percetakan Nasional Berhad
* Alam Flora
* TELEKOM MALAYSIA BHD
* TENAGA NATIONAL BHD

'''TAK TERIMA JAWATAN''
* PEMANDU
* PENGAWAL KESELAMATAN

'''TARGET MARKET'''
* JOHOR PORT BERHAD
* SYARIKAT AIR PERLIS SDN BHD
* SYARIKAT BEKALAN AIR SELANGOR SDN BHD
* MAKTAB KERJASAMA MALAYSIA
* Pos Malaysia - '''can do loan with PBB but compulsory to provide standard Confirmation Letter (with salary & deduction salary detail)'''
* PERBADANAN NASIONAL BERHAD (PNS)
* FINAS
* PERTUBUHAN PELADANG NEDERI JOHOR
* MADA
* FELCRA BHD
* AMANAH IKHTIAR MALAYSIA
* KOLEJ POLY-TECH MARA

== Repayment Table & CEF ==
*[[Media:Pbb-MCCM-Repayment-Table-new.pdf]]
*[[Media:Pbb-MCCM-Calculation-new.zip]]

Public Bank - MCCM

2016-05-28T01:01:15Z

Chew: /* Target Market & Non Target Market */

== Product Features ==
* Location:Whole Malaysia (AG,FEDERAL,STATES,POLICE) & GLC's company with existing Angkasa salary deduction
* '''GLC's''' : entitled up to 75% (with T&C apply)
* Interest Rate:4.38%
* Tenure:Min 2 year - Max 10 years
* Payout: 91%
* Finance:Min RM5,000 to RM150,000
* Salary:RM1500.00 and above only
* Age:20 - 57 years
* Work:(AG) 6 months & above (OTHER) 1 YEAR & ABOVE
* Tat:2 weeks
* Yuran:Waive
* DSR @ COMMITMENT :calculation 90%
* CCRIS: Arrears must not be more than 2 months,be taken in calculating loan, above 3 months REJECT.
# For ccris above 3 months if cust want to proceed, cust have to settle first the ccris & when bank already updated the ccris system clear only then cust can send doc here to process.
* Ctos : Need to settle.

== Special Remark ==
* '''After the loan is approved, the applicant must go to a branch of the Public bank chose to sign a consent form.'''
* '''Wajib dapatkan Pengesahan Jawatan dari pihak majikan-Original.'''

== Document List ==
* Full set application forms Public Bank & Mccm
* BPA form (1pcs)
* 3 copies of NRIC [original certified by the employer].
* 1 original latest Salary Slip -(if carbon payslip)
**3 copies of Salary Slip of the latest past 3 months [original certified by the employer-COMPULSORY 3COPY].
* Confirmation Letter Of Employment-Original.

== Target Market & Non Target Market ==
[[Media:Pbb-MCCM-TM.pdf]] -

'''NON TARGET MARKET'''
* Pengawai Keselamatan dan Pemandu terutamanya gaji dibawah RM2K TIDAK layak dlm pakej PBB
* Bekalan Air Selangor Sdn Bhd / Puncak Niaga
* Malaysia Airport Holding Berhad
* Percetakan Nasional Berhad
* Alam Flora
* TELEKOM MALAYSIA BHD
* TENAGA NATIONAL BHD

'''TAK TERIMA JAWATAN''
* PEMANDU
* PENGAWAL KESELAMATAN

'''TARGET MARKET'''
* JOHOR PORT BERHAD
* SYARIKAT AIR PERLIS SDN BHD
* SYARIKAT BEKALAN AIR SELANGOR SDN BHD
* MAKTAB KERJASAMA MALAYSIA
* Pos Malaysia - '''can do loan with PBB but compulsory to provide standard Confirmation Letter (with salary & deduction salary detail)'''
* PERBADANAN NASIONAL BERHAD (PNS)
* FINAS
* PERTUBUHAN PELADANG NEDERI JOHOR
* MADA
* FELCRA BHD
* AMANAH IKHTIAR MALAYSIA

== Repayment Table & CEF ==
*[[Media:Pbb-MCCM-Repayment-Table-new.pdf]]
*[[Media:Pbb-MCCM-Calculation-new.zip]]

Public Bank - MCCM

2016-05-25T05:50:17Z

Chew: /* Target Market & Non Target Market */

== Product Features ==
* Location:Whole Malaysia (AG,FEDERAL,STATES,POLICE) & GLC's company with existing Angkasa salary deduction
* '''GLC's''' : entitled up to 75% (with T&C apply)
* Interest Rate:4.38%
* Tenure:Min 2 year - Max 10 years
* Payout: 91%
* Finance:Min RM5,000 to RM150,000
* Salary:RM1500.00 and above only
* Age:20 - 57 years
* Work:(AG) 6 months & above (OTHER) 1 YEAR & ABOVE
* Tat:2 weeks
* Yuran:Waive
* DSR @ COMMITMENT :calculation 90%
* CCRIS: Arrears must not be more than 2 months,be taken in calculating loan, above 3 months REJECT.
# For ccris above 3 months if cust want to proceed, cust have to settle first the ccris & when bank already updated the ccris system clear only then cust can send doc here to process.
* Ctos : Need to settle.

== Special Remark ==
* '''After the loan is approved, the applicant must go to a branch of the Public bank chose to sign a consent form.'''
* '''Wajib dapatkan Pengesahan Jawatan dari pihak majikan-Original.'''

== Document List ==
* Full set application forms Public Bank & Mccm
* BPA form (1pcs)
* 3 copies of NRIC [original certified by the employer].
* 1 original latest Salary Slip -(if carbon payslip)
**3 copies of Salary Slip of the latest past 3 months [original certified by the employer-COMPULSORY 3COPY].
* Confirmation Letter Of Employment-Original.

== Target Market & Non Target Market ==
[[Media:Pbb-MCCM-TM.pdf]] -

'''NON TARGET MARKET'''
* Pengawai Keselamatan dan Pemandu terutamanya gaji dibawah RM2K TIDAK layak dlm pakej PBB
* Bekalan Air Selangor Sdn Bhd / Puncak Niaga
* Malaysia Airport Holding Berhad
* Percetakan Nasional Berhad
* Alam Flora
* TELEKOM MALAYSIA BHD
* TENAGA NATIONAL BHD

'''TAK TERIMA JAWATAN''
* PEMANDU
* PENGAWAL KESELAMATAN

'''TARGET MARKET'''
* JOHOR PORT BERHAD
* SYARIKAT AIR PERLIS SDN BHD
* SYARIKAT BEKALAN AIR SELANGOR SDN BHD
* MAKTAB KERJASAMA MALAYSIA
* Pos Malaysia - '''can do loan with PBB but compulsory to provide standard Confirmation Letter (with salary & deduction salary detail)'''
* PERBADANAN NASIONAL BERHAD (PNS)
* PERTUBUHAN PELADANG NEDERI JOHOR
* MADA
* FELCRA BHD

== Repayment Table & CEF ==
*[[Media:Pbb-MCCM-Repayment-Table-new.pdf]]
*[[Media:Pbb-MCCM-Calculation-new.zip]]

Public Bank - MCCM

2016-05-24T08:05:43Z

Chew: /* Target Market & Non Target Market */

== Product Features ==
* Location:Whole Malaysia (AG,FEDERAL,STATES,POLICE) & GLC's company with existing Angkasa salary deduction
* '''GLC's''' : entitled up to 75% (with T&C apply)
* Interest Rate:4.38%
* Tenure:Min 2 year - Max 10 years
* Payout: 91%
* Finance:Min RM5,000 to RM150,000
* Salary:RM1500.00 and above only
* Age:20 - 57 years
* Work:(AG) 6 months & above (OTHER) 1 YEAR & ABOVE
* Tat:2 weeks
* Yuran:Waive
* DSR @ COMMITMENT :calculation 90%
* CCRIS: Arrears must not be more than 2 months,be taken in calculating loan, above 3 months REJECT.
# For ccris above 3 months if cust want to proceed, cust have to settle first the ccris & when bank already updated the ccris system clear only then cust can send doc here to process.
* Ctos : Need to settle.

== Special Remark ==
* '''After the loan is approved, the applicant must go to a branch of the Public bank chose to sign a consent form.'''
* '''Wajib dapatkan Pengesahan Jawatan dari pihak majikan-Original.'''

== Document List ==
* Full set application forms Public Bank & Mccm
* BPA form (1pcs)
* 3 copies of NRIC [original certified by the employer].
* 1 original latest Salary Slip -(if carbon payslip)
**3 copies of Salary Slip of the latest past 3 months [original certified by the employer-COMPULSORY 3COPY].
* Confirmation Letter Of Employment-Original.

== Target Market & Non Target Market ==
[[Media:Pbb-MCCM-TM.pdf]] -

'''NON TARGET MARKET'''
* Pengawai Keselamatan dan Pemandu terutamanya gaji dibawah RM2K TIDAK layak dlm pakej PBB
* Bekalan Air Selangor Sdn Bhd / Puncak Niaga
* Malaysia Airport Holding Berhad
* Percetakan Nasional Berhad
* Alam Flora
* TELEKOM MALAYSIA BHD
* TENAGA NATIONAL BHD

'''TAK TERIMA JAWATAN''
* PEMANDU
* PENGAWAL KESELAMATAN

'''TARGET MARKET'''
* JOHOR PORT BERHAD
* SYARIKAT AIR PERLIS SDN BHD
* SYARIKAT BEKALAN AIR SELANGOR SDN BHD
* MAKTAB KERJASAMA MALAYSIA
* Pos Malaysia - '''can do loan with PBB but compulsory to provide standard Confirmation Letter (with salary & deduction salary detail)'''
* PERBADANAN NASIONAL BERHAD (PNS)
* FELCRA BHD

== Repayment Table & CEF ==
*[[Media:Pbb-MCCM-Repayment-Table-new.pdf]]
*[[Media:Pbb-MCCM-Calculation-new.zip]]

Public Bank - MCCM

2016-05-24T08:04:40Z

Chew: /* Target Market & Non Target Market */

== Product Features ==
* Location:Whole Malaysia (AG,FEDERAL,STATES,POLICE) & GLC's company with existing Angkasa salary deduction
* '''GLC's''' : entitled up to 75% (with T&C apply)
* Interest Rate:4.38%
* Tenure:Min 2 year - Max 10 years
* Payout: 91%
* Finance:Min RM5,000 to RM150,000
* Salary:RM1500.00 and above only
* Age:20 - 57 years
* Work:(AG) 6 months & above (OTHER) 1 YEAR & ABOVE
* Tat:2 weeks
* Yuran:Waive
* DSR @ COMMITMENT :calculation 90%
* CCRIS: Arrears must not be more than 2 months,be taken in calculating loan, above 3 months REJECT.
# For ccris above 3 months if cust want to proceed, cust have to settle first the ccris & when bank already updated the ccris system clear only then cust can send doc here to process.
* Ctos : Need to settle.

== Special Remark ==
* '''After the loan is approved, the applicant must go to a branch of the Public bank chose to sign a consent form.'''
* '''Wajib dapatkan Pengesahan Jawatan dari pihak majikan-Original.'''

== Document List ==
* Full set application forms Public Bank & Mccm
* BPA form (1pcs)
* 3 copies of NRIC [original certified by the employer].
* 1 original latest Salary Slip -(if carbon payslip)
**3 copies of Salary Slip of the latest past 3 months [original certified by the employer-COMPULSORY 3COPY].
* Confirmation Letter Of Employment-Original.

== Target Market & Non Target Market ==
[[Media:Pbb-MCCM-TM.pdf]] -

*Pengawai Keselamatan dan Pemandu terutamanya gaji dibawah RM2K TIDAK layak dlm pakej PBB

'''NON TARGET MARKET'''
* Bekalan Air Selangor Sdn Bhd / Puncak Niaga
* Malaysia Airport Holding Berhad
* Percetakan Nasional Berhad
* Alam Flora
* TELEKOM MALAYSIA BHD
* TENAGA NATIONAL BHD

'''TAK TERIMA JAWATAN''
* PEMANDU
* PENGAWAL KESELAMATAN

'''TARGET MARKET'''
* JOHOR PORT BERHAD
* SYARIKAT AIR PERLIS SDN BHD
* SYARIKAT BEKALAN AIR SELANGOR SDN BHD
* MAKTAB KERJASAMA MALAYSIA
* Pos Malaysia - '''can do loan with PBB but compulsory to provide standard Confirmation Letter (with salary & deduction salary detail)'''
* PERBADANAN NASIONAL BERHAD (PNS)
* FELCRA BHD

== Repayment Table & CEF ==
*[[Media:Pbb-MCCM-Repayment-Table-new.pdf]]
*[[Media:Pbb-MCCM-Calculation-new.zip]]

Public Bank - MCCM

2016-05-24T07:54:10Z

Chew: /* Product Features */

== Product Features ==
* Location:Whole Malaysia (AG,FEDERAL,STATES,POLICE) & GLC's company with existing Angkasa salary deduction
* '''GLC's''' : entitled up to 75% (with T&C apply)
* Interest Rate:4.38%
* Tenure:Min 2 year - Max 10 years
* Payout: 91%
* Finance:Min RM5,000 to RM150,000
* Salary:RM1500.00 and above only
* Age:20 - 57 years
* Work:(AG) 6 months & above (OTHER) 1 YEAR & ABOVE
* Tat:2 weeks
* Yuran:Waive
* DSR @ COMMITMENT :calculation 90%
* CCRIS: Arrears must not be more than 2 months,be taken in calculating loan, above 3 months REJECT.
# For ccris above 3 months if cust want to proceed, cust have to settle first the ccris & when bank already updated the ccris system clear only then cust can send doc here to process.
* Ctos : Need to settle.

== Special Remark ==
* '''After the loan is approved, the applicant must go to a branch of the Public bank chose to sign a consent form.'''
* '''Wajib dapatkan Pengesahan Jawatan dari pihak majikan-Original.'''

== Document List ==
* Full set application forms Public Bank & Mccm
* BPA form (1pcs)
* 3 copies of NRIC [original certified by the employer].
* 1 original latest Salary Slip -(if carbon payslip)
**3 copies of Salary Slip of the latest past 3 months [original certified by the employer-COMPULSORY 3COPY].
* Confirmation Letter Of Employment-Original.

== Target Market & Non Target Market ==
[[Media:Pbb-MCCM-TM.pdf]] -

'''NON TARGET MARKET'''
* Bekalan Air Selangor Sdn Bhd / Puncak Niaga
* Malaysia Airport Holding Berhad
* Percetakan Nasional Berhad
* Alam Flora
* TELEKOM MALAYSIA BHD
* TENAGA NATIONAL BHD

'''TAK TERIMA JAWATAN''
* PEMANDU
* PENGAWAL KESELAMATAN

'''TARGET MARKET'''
* JOHOR PORT BERHAD
* SYARIKAT AIR PERLIS SDN BHD
* SYARIKAT BEKALAN AIR SELANGOR SDN BHD
* MAKTAB KERJASAMA MALAYSIA
* Pos Malaysia - '''can do loan with PBB but compulsory to provide standard Confirmation Letter (with salary & deduction salary detail)'''
* PERBADANAN NASIONAL BERHAD (PNS)
* FELCRA BHD

== Repayment Table & CEF ==
*[[Media:Pbb-MCCM-Repayment-Table-new.pdf]]
*[[Media:Pbb-MCCM-Calculation-new.zip]]

Public Bank - MCCM

2016-05-19T10:14:29Z

Chew: /* Target Market & Non Target Market */

== Product Features ==
* Location:Whole Malaysia (AG,FEDERAL,STATES,POLICE) & GLC's company with existing Angkasa salary deduction
* '''GLC's''' : entitled up to 75% (with T&C apply)
* Interest Rate:4.38%
* Tenure:Min 2 year - Max 10 years
* Payout: 91%
* Finance:Min RM5,000 to RM150,000
* Salary:RM1500.00 and above only
* Age:20 - 57 years
* Work:1 Year & above
* Tat:2 weeks
* Yuran:Waive
* DSR @ COMMITMENT :calculation 90%
* CCRIS: Arrears must not be more than 2 months,be taken in calculating loan, above 3 months REJECT.
# For ccris above 3 months if cust want to proceed, cust have to settle first the ccris & when bank already updated the ccris system clear only then cust can send doc here to process.
* Ctos : Need to settle.

== Special Remark ==
* '''After the loan is approved, the applicant must go to a branch of the Public bank chose to sign a consent form.'''
* '''Wajib dapatkan Pengesahan Jawatan dari pihak majikan-Original.'''

== Document List ==
* Full set application forms Public Bank & Mccm
* BPA form (1pcs)
* 3 copies of NRIC [original certified by the employer].
* 1 original latest Salary Slip -(if carbon payslip)
**3 copies of Salary Slip of the latest past 3 months [original certified by the employer-COMPULSORY 3COPY].
* Confirmation Letter Of Employment-Original.

== Target Market & Non Target Market ==
[[Media:Pbb-MCCM-TM.pdf]] -

'''NON TARGET MARKET'''
* Bekalan Air Selangor Sdn Bhd / Puncak Niaga
* Malaysia Airport Holding Berhad
* Percetakan Nasional Berhad
* Alam Flora
* TELEKOM MALAYSIA BHD
* TENAGA NATIONAL BHD

'''TAK TERIMA JAWATAN''
* PEMANDU
* PENGAWAL KESELAMATAN

'''TARGET MARKET'''
* JOHOR PORT BERHAD
* SYARIKAT AIR PERLIS SDN BHD
* SYARIKAT BEKALAN AIR SELANGOR SDN BHD
* MAKTAB KERJASAMA MALAYSIA
* Pos Malaysia - '''can do loan with PBB but compulsory to provide standard Confirmation Letter (with salary & deduction salary detail)'''
* PERBADANAN NASIONAL BERHAD (PNS)
* FELCRA BHD

== Repayment Table & CEF ==
*[[Media:Pbb-MCCM-Repayment-Table-new.pdf]]
*[[Media:Pbb-MCCM-Calculation-new.zip]]

Public Bank - MCCM

2016-05-19T10:12:50Z

Chew: /* Target Market & Non Target Market */

== Product Features ==
* Location:Whole Malaysia (AG,FEDERAL,STATES,POLICE) & GLC's company with existing Angkasa salary deduction
* '''GLC's''' : entitled up to 75% (with T&C apply)
* Interest Rate:4.38%
* Tenure:Min 2 year - Max 10 years
* Payout: 91%
* Finance:Min RM5,000 to RM150,000
* Salary:RM1500.00 and above only
* Age:20 - 57 years
* Work:1 Year & above
* Tat:2 weeks
* Yuran:Waive
* DSR @ COMMITMENT :calculation 90%
* CCRIS: Arrears must not be more than 2 months,be taken in calculating loan, above 3 months REJECT.
# For ccris above 3 months if cust want to proceed, cust have to settle first the ccris & when bank already updated the ccris system clear only then cust can send doc here to process.
* Ctos : Need to settle.

== Special Remark ==
* '''After the loan is approved, the applicant must go to a branch of the Public bank chose to sign a consent form.'''
* '''Wajib dapatkan Pengesahan Jawatan dari pihak majikan-Original.'''

== Document List ==
* Full set application forms Public Bank & Mccm
* BPA form (1pcs)
* 3 copies of NRIC [original certified by the employer].
* 1 original latest Salary Slip -(if carbon payslip)
**3 copies of Salary Slip of the latest past 3 months [original certified by the employer-COMPULSORY 3COPY].
* Confirmation Letter Of Employment-Original.

== Target Market & Non Target Market ==
[[Media:Pbb-MCCM-TM.pdf]] -

'''NON TARGET MARKET'''
* Bekalan Air Selangor Sdn Bhd / Puncak Niaga
* Malaysia Airport Holding Berhad
* Percetakan Nasional Berhad
* Alam Flora
* TELEKOM MALAYSIA BHD
* TENAGA NATIONAL BHD

'''NOT TARGET JAWATAN''
* PEMANDU
* PENGAWAL KESELAMATAN

'''TARGET MARKET'''
* JOHOR PORT BERHAD
* SYARIKAT AIR PERLIS SDN BHD
* SYARIKAT BEKALAN AIR SELANGOR SDN BHD
* MAKTAB KERJASAMA MALAYSIA
* Pos Malaysia - '''can do loan with PBB but compulsory to provide standard Confirmation Letter (with salary & deduction salary detail)'''
* PERBADANAN NASIONAL BERHAD (PNS)
* FELCRA BHD

== Repayment Table & CEF ==
*[[Media:Pbb-MCCM-Repayment-Table-new.pdf]]
*[[Media:Pbb-MCCM-Calculation-new.zip]]

Kobeta - Bank Rakyat @ CIMB

2016-04-25T05:17:00Z

Chew: /* Target and Non-Target Market */

== Special Remarks / Update -KOBETA CIMB ==
We have a new Kobeta package, KOBETA-CIMB. You have an opsyen to choose this package if you find that KOBETA-BRT is slow in reimbursement. KOBETA-CIMB can be better in reimbursing the Loan.

The criteria as per below:
*Location: Whole Malaysia
*Employment Status: 6 Months and Above.
*Loan amount: 2,000 - 250,000
*Min & Max tenure: 10 years (Fix)
*Interest:
**Rate: 4.99% Federal AG, Polis & Existing Customer
**Rate: 5.99% State AG & preferred GLC such as(Majlis,University,LHDN, PERKESO)
*Payout: 81%-1020.00-180 - 2 months Installment
**Details:
:Processing Fee = RM100
: Tabung Khairat = RM50
: Saham = RM500
: Fee Masuk = RM10
: Koperasi Protection Fee = RM360
: JUMLAH : RM1020#
*Account Book: '''Maybank'''
*Fees : Rm30 will start deduct after 6 months
*TAT: 2-3 weeks
*'''CTOS : Need to be settled.'''
*For more details pls call Mr Chew /Mimi.
*Borang boleh minta daripada Pn. Asma

== Product Features == KOBETA BANK RAKYAT ==
* Location: Whole Malaysia
* Employment Status: 6 Months and Above.
* Salary: RM1500.00 and above only
* Age: 19 years and above
* Loan amount: 2,000 - 250,000
* Max tenure: 10 years
* Interest :
**Rate: 4.99% Federal AG, Polis & Existing Customer
**Rate: 5.99% State AG & preferred GLC such as(Majlis,University,LHDN, PERKESO)
**Rate: 6.99% CTOS over 30k & BANKRUPTCY (-compulsory to settle if want to proceed)
* Yuran : waive ( yuran rm30 will start deduct after 6 months)
* TAT: 2-3 weeks
* Payout: 81%
* Upfront charges:
** RM1020.00
** 2 months Installment
* CTOS: Ctos below RM30K
**above RM30K proceed with interest 6.99%,compulsory to settle.
* Calculation Sheet:
** [[Media:kobeta-Cash-i-CEF-GST.xls]]

== 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 ==
'''**STATE SARAWAK PAYSLIP'''
* majikan ini KOBETA hanya ambil kelayakn 50% sahaja.

'''**Acc Book'''
*KOBETA CASH I : please make sure that customers provide Bank Rakyat account number only other than that will not be acceptable by Bank Rakyat.

'''**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 Gurantor – Tiada had ditentukan

'''**Bankcruptcy'''
* Rate :6.99%
* Angkasa must be status ‘A’ active

== Document List ==
* Application Forms :
*'''**pls click here to download''':
**[[Media:KOBETA-BRT-FULL-Application-Form.pdf]]
**[[Media:Senarai-Semak-Forms.pdf]]
* BPA - 2 copy
* Photocopy of IC (disahkan majikan) - ori 3 copies
* Payslip original - 1 copy (Carbon)
* Payslip photocopy (ORI disahkan majikan) (3 copies) for 3 months
* Pengesahan Jawatan-Letter Head / Form Koperasi also can be use (ORI)
* Bank Account copy BANK RAKYAT (compulsory)
* Settlement statement (if any-exp in 1 month & above)
* Opsyen Letter (if any-with cop ori majikan)
* Kobeta Cash-i Checklist, pls click here to download - [[Media:Kobeta-Checklist-New.pdf]]

== Target and Non-Target Market ==

[[Media:TM-and-NonTMkobeta-listing-NEW2.pdf]]
* LEMBAGA PEMBANGUNAN PELABURAN MALAYSIA (MIDA) NON TARGET MARKET
* SABAH ELECTRICITY SDN BHD - NON TARGET MARKET
* MALAYSIA AIRPORT HOLDINGS BERHAD -NON TARGET MARKET
* UEM LAND BERHAD-NON TARGET MARKET
* TEKUN NASIONAL-NON TARGET MARKET
* LEMBAGA MUZIUM NEGERI TERENGGANU-NON TARGET MARKET

== NON Target Jawatan ==

#PENGAWAL KESELAMATAN/ JAGA
#GURU KAFA
#TUKANG MASAK
#TUKANG KAYU
#AHLI SUKAN
#TENTERA
#JURU TOL
#ARTIS BUDAYA
#JURU METER
#GURU PENDIDIKAN BUKAN SISWAZAH
#JURULATIH KESATRIA (PLKN)
#TEA LADY
#PEKERJA SAMBILAN
#PEKERJA KONTRAK
#POSMEN
#POLIS BANTUAN

== Calculation Sheet & Repayment Table ==
[[Media:KOBETABKR-CEF81-newGST.xls]]

[[Media:KOBETABKR-RT4.99.docx]]

[[Media:KOBETABKR-RT5.99.docx]]

[[Media:KOBETABKR-RT6.99.docx]]

Kobeta - Bank Rakyat @ CIMB

2016-04-14T09:33:33Z

Chew: /* Target and Non-Target Market */

== Special Remarks / Update -KOBETA CIMB ==
We have a new Kobeta package, KOBETA-CIMB. You have an opsyen to choose this package if you find that KOBETA-BRT is slow in reimbursement. KOBETA-CIMB can be better in reimbursing the Loan.

The criteria as per below:
*Location: Whole Malaysia
*Employment Status: 6 Months and Above.
*Loan amount: 2,000 - 250,000
*Min & Max tenure: 10 years (Fix)
*Interest:
**Rate: 4.99% Federal AG, Polis & Existing Customer
**Rate: 5.99% State AG & preferred GLC such as(Majlis,University,LHDN, PERKESO)
*Payout: 81%-1020.00-180 - 2 months Installment
*Account Book: '''Maybank'''
*Fees : Rm30 will start deduct after 6 months
*TAT: 2-3 weeks
*'''CTOS : Need to be settled.'''
*For more details pls call Mr Chew /Mimi.
*Borang boleh minta daripada Pn. Asma

== Product Features == KOBETA BANK RAKYAT ==
* Location: Whole Malaysia
* Employment Status: 6 Months and Above.
* Salary: RM1500.00 and above only
* Age: 19 years and above
* Loan amount: 2,000 - 250,000
* Max tenure: 10 years
* Interest :
**Rate: 4.99% Federal AG, Polis & Existing Customer
**Rate: 5.99% State AG & preferred GLC such as(Majlis,University,LHDN, PERKESO)
**Rate: 6.99% CTOS over 30k & BANKRUPTCY (-compulsory to settle if want to proceed)
* Yuran : waive ( yuran rm30 will start deduct after 6 months)
* TAT: 2-3 weeks
* Payout: 81%
* Upfront charges:
** RM1020.00
** 2 months Installment
* CTOS: Ctos below RM30K
**above RM30K proceed with interest 6.99%,compulsory to settle.
* Calculation Sheet:
** [[Media:kobeta-Cash-i-CEF-GST.xls]]

== 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 ==
'''**STATE SARAWAK PAYSLIP'''
* majikan ini KOBETA hanya ambil kelayakn 50% sahaja.

'''**Acc Book'''
*KOBETA CASH I : please make sure that customers provide Bank Rakyat account number only other than that will not be acceptable by Bank Rakyat.

'''**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 Gurantor – Tiada had ditentukan

'''**Bankcruptcy'''
* Rate :6.99%
* Angkasa must be status ‘A’ active

== Document List ==
* Application Forms :
*'''**pls click here to download''':
**[[Media:KOBETA-BRT-FULL-Application-Form.pdf]]
**[[Media:Senarai-Semak-Forms.pdf]]
* BPA - 2 copy
* Photocopy of IC (disahkan majikan) - ori 3 copies
* Payslip original - 1 copy (Carbon)
* Payslip photocopy (ORI disahkan majikan) (3 copies) for 3 months
* Pengesahan Jawatan-Letter Head / Form Koperasi also can be use (ORI)
* Bank Account copy BANK RAKYAT (compulsory)
* Settlement statement (if any-exp in 1 month & above)
* Opsyen Letter (if any-with cop ori majikan)
* Kobeta Cash-i Checklist, pls click here to download - [[Media:Kobeta-Checklist-New.pdf]]

== Target and Non-Target Market ==

[[Media:TM-and-NonTMkobeta-listing-NEW2.pdf]]
* LEMBAGA PEMBANGUNAN PELABURAN MALAYSIA (MIDA) NON TARGET MARKET
* SABAH ELECTRICITY SDN BHD - NON TARGET MARKET
* MALAYSIA AIRPORT HOLDINGS BERHAD -NON TARGET MARKET
* UEM LAND BERHAD-NON TARGET MARKET
* TEKUN NASIONAL-NON TARGET MARKET

== NON Target Jawatan ==

#PENGAWAL KESELAMATAN/ JAGA
#GURU KAFA
#TUKANG MASAK
#TUKANG KAYU
#AHLI SUKAN
#TENTERA
#JURU TOL
#ARTIS BUDAYA
#JURU METER
#GURU PENDIDIKAN BUKAN SISWAZAH
#JURULATIH KESATRIA (PLKN)
#TEA LADY
#PEKERJA SAMBILAN
#PEKERJA KONTRAK
#POSMEN
#POLIS BANTUAN

== Calculation Sheet & Repayment Table ==
[[Media:KOBETABKR-CEF81-newGST.xls]]

[[Media:KOBETABKR-RT4.99.docx]]

[[Media:KOBETABKR-RT5.99.docx]]

[[Media:KOBETABKR-RT6.99.docx]]

Kobeta - Bank Rakyat @ CIMB

2016-04-14T09:33:13Z

Chew: /* Target and Non-Target Market */

== Special Remarks / Update -KOBETA CIMB ==
We have a new Kobeta package, KOBETA-CIMB. You have an opsyen to choose this package if you find that KOBETA-BRT is slow in reimbursement. KOBETA-CIMB can be better in reimbursing the Loan.

The criteria as per below:
*Location: Whole Malaysia
*Employment Status: 6 Months and Above.
*Loan amount: 2,000 - 250,000
*Min & Max tenure: 10 years (Fix)
*Interest:
**Rate: 4.99% Federal AG, Polis & Existing Customer
**Rate: 5.99% State AG & preferred GLC such as(Majlis,University,LHDN, PERKESO)
*Payout: 81%-1020.00-180 - 2 months Installment
*Account Book: '''Maybank'''
*Fees : Rm30 will start deduct after 6 months
*TAT: 2-3 weeks
*'''CTOS : Need to be settled.'''
*For more details pls call Mr Chew /Mimi.
*Borang boleh minta daripada Pn. Asma

== Product Features == KOBETA BANK RAKYAT ==
* Location: Whole Malaysia
* Employment Status: 6 Months and Above.
* Salary: RM1500.00 and above only
* Age: 19 years and above
* Loan amount: 2,000 - 250,000
* Max tenure: 10 years
* Interest :
**Rate: 4.99% Federal AG, Polis & Existing Customer
**Rate: 5.99% State AG & preferred GLC such as(Majlis,University,LHDN, PERKESO)
**Rate: 6.99% CTOS over 30k & BANKRUPTCY (-compulsory to settle if want to proceed)
* Yuran : waive ( yuran rm30 will start deduct after 6 months)
* TAT: 2-3 weeks
* Payout: 81%
* Upfront charges:
** RM1020.00
** 2 months Installment
* CTOS: Ctos below RM30K
**above RM30K proceed with interest 6.99%,compulsory to settle.
* Calculation Sheet:
** [[Media:kobeta-Cash-i-CEF-GST.xls]]

== 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 ==
'''**STATE SARAWAK PAYSLIP'''
* majikan ini KOBETA hanya ambil kelayakn 50% sahaja.

'''**Acc Book'''
*KOBETA CASH I : please make sure that customers provide Bank Rakyat account number only other than that will not be acceptable by Bank Rakyat.

'''**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 Gurantor – Tiada had ditentukan

'''**Bankcruptcy'''
* Rate :6.99%
* Angkasa must be status ‘A’ active

== Document List ==
* Application Forms :
*'''**pls click here to download''':
**[[Media:KOBETA-BRT-FULL-Application-Form.pdf]]
**[[Media:Senarai-Semak-Forms.pdf]]
* BPA - 2 copy
* Photocopy of IC (disahkan majikan) - ori 3 copies
* Payslip original - 1 copy (Carbon)
* Payslip photocopy (ORI disahkan majikan) (3 copies) for 3 months
* Pengesahan Jawatan-Letter Head / Form Koperasi also can be use (ORI)
* Bank Account copy BANK RAKYAT (compulsory)
* Settlement statement (if any-exp in 1 month & above)
* Opsyen Letter (if any-with cop ori majikan)
* Kobeta Cash-i Checklist, pls click here to download - [[Media:Kobeta-Checklist-New.pdf]]

== Target and Non-Target Market ==

[[Media:TM-and-NonTMkobeta-listing-NEW2.pdf]]
* LEMBAGA PEMBANGUNAN PELABURAN MALAYSIA (MIDA) NON TARGET MARKET
* SABAH ELECTRICITY SDN BHD - NON TARGET MARKET
* MALAYSIA AIRPORT HOLDINGS BERHAD -NON TARGET MARKET
* UEM LAND BERHAD-NON TARGET MARKET
* TEKUN NASIONAL

== NON Target Jawatan ==

#PENGAWAL KESELAMATAN/ JAGA
#GURU KAFA
#TUKANG MASAK
#TUKANG KAYU
#AHLI SUKAN
#TENTERA
#JURU TOL
#ARTIS BUDAYA
#JURU METER
#GURU PENDIDIKAN BUKAN SISWAZAH
#JURULATIH KESATRIA (PLKN)
#TEA LADY
#PEKERJA SAMBILAN
#PEKERJA KONTRAK
#POSMEN
#POLIS BANTUAN

== Calculation Sheet & Repayment Table ==
[[Media:KOBETABKR-CEF81-newGST.xls]]

[[Media:KOBETABKR-RT4.99.docx]]

[[Media:KOBETABKR-RT5.99.docx]]

[[Media:KOBETABKR-RT6.99.docx]]

RHB - MBSB

2016-04-08T07:22:51Z

Chew: /* Accepted and Rejected List */

== Product Features ==
* Location:Whole Malaysia
* Interest Rate Scheme -MBSB(AG,FEDERAL,STATES,POLICE)
**4.20%
* Payout: 98% (approximately)
* Tenure:Min 2 - 10 years
* Finance:Min RM2,000 to RM200,000
* Tat:2 weeks
* CTOS: Must be cleared / or can do overlapping.
* CCRIS: Arrears must not be more than 2 months, if 3 months and above please provide settlement statement for bank to settle.
* DSR @ COMMITMENT :
** salary RM2,000-RM2,999 akan dikira 60%
** salary RM3,000 and above akan dikira 90%
* For more details, pls click below:
**Criteria : [[Media:RHB-MBSB.pdf]]

== Primary Market ==
* Salary:RM1500.00 and above
* Age:18 - 57 years
* Work:1 year & above
== Secondary Market ==
* Salary:RM3000.00 and above
* Age:18 - 57 years
* Work:3 years & above

== Accepted and Rejected List ==
[[Media:TM-and-NonTM-rhb-mbsblisting.xls]]
* ACCEPT UNIVERSITI MULTIMEDIA
* ACCEPT SME CORP MALAYSIA

== Payslip expiry date ==
Payslip will expire every 5th. Example:

* February payslip will expire on the 5th April.
* March payslip will expire on the 5th May

== Application Forms Download ==
**[[Media:New-Checklist-MBSB-Forms.pdf]]
**[[Media:Borang-Permohonan-MBSB-NEW.pdf]]
**[[Media:Borang-Maklumat-Produk-MBSB-NEW.pdf]]
**[[Media:Borang-CRA-Consent-Declaration-MBSB-NEW.pdf]]
**[[Media:Borang-Terma-Dan-Syarat.pdf]]
**[[Media:Borang-Pengesahan-Pelanggan.pdf]]

== Calculation Sheet ==
[[Media:RHBMBSB-CEF.xls]]

[[Media:RHBMBSB-Takaful-Calculator.xls]]

== Rejection Code in Rhb System ==
[[Media:Reject-Code.xls]]

Yayasan Ihsan Rakyat -YIR

2016-04-01T07:28:37Z

Chew: /* Product Features */

== Product Features ==
* Location: Whole Malaysia
* Tenure: 2 - 10 years
* Age: 23 years old and above
* For more details, pls click below:
**Criteria : [[Media:YIR-criteria.pdf]]

== Special Note ==
*'''With effect from 02.11.2015, please be informed that filling of all the particulars in the YIR & YYP application forms, PEN BASAH (Black ink ) is to be used. Please use 0.7 or 1.0 size of pen.'''
**Example: [[Media:YIR.pdf]]
* '''Jika mahu buat 2nd loan, pastikan potongan 1ST loan sudah ada dalam payslip.'''
* '''Gaji Bersih :RM900.00'''
* '''Opsyen Bersara untuk POLIS :56 tahun sahaja walaupun majikan beri 60 tahun'''
* '''Opsyen Bersara untuk AG :58 tahun sahaja walaupun majikan beri 60 tahun'''
* '''Sector E - pembantu am rendah, pengawal, pemandu, operator, attendant, tukang masak'''
* '''Amount exceeding RM100K, will be considered on a case-to-case basis (up to RM150K).

== Rate Segment ==
=== SEGMENT 7.99% :B1 ===
'''A-AG / PDRM-except Sector E'''
*Service Period : 1 Year and above
*Status : Permanent
*Tenure : 2 - 10 years
*Age : 26 years old and above
*Salary : RM2,000 and above
*Payout : 81%
*Financing Amount: RM3,000 to RM100,000

=== SEGMENT 8.99% :B2 ===
'''A-AG'''
*Service Period : 1 Year and above
*Status : Permanent
*Tenure : 2 - 10 years
*Age : 23 years old and above
*Salary : RM1,600 and above
*Payout : 81%
*Financing Amount: RM3,000 to RM100,000
'''E of A-AG -only applicable to pension scheme employee'''
*Service Period : 3 Years and above
*Status : Permanent
*Tenure : 2 - 10 years
*Age : 26 years old and above
*Salary : RM2,000 and above
*Payout : 81%
*Financing Amount: RM3,000 to RM100,000

=== SEGMENT 11.00% :B3 ===
'''A-AG-except Sector E'''
*Service Period : 1 Year and above
*Status : Permanent
*Tenure : 2 - 10 years
*Age : 23 years old and above
*Salary : RM1,600 and above
*Payout : 71%
*Financing Amount: RM3,000 to RM100,000
'''A-PDRM-except Sector E'''
*Service Period : 1 Year and above
*Status : Permanent
*Tenure : 2 - 10 years
*Age : 26 years old and above
*Salary : RM2,000 and above
*Payout : 71%
*Financing Amount: RM3,000 to RM100,000
'''E Of A-only applicable to pension scheme employee'''
*Service Period : 3 Years and above
*Status : Permanent
*Tenure : 2 - 10 years
*Age : 26 years old and above
*Salary : RM2,000 and above
*Payout : 71%
*Financing Amount: RM3,000 to RM100,000

== Calculation Sheet & Repayment Table ==
[[Media:YIR-CEF.xls]]

Public Bank - MCCM

2016-04-01T07:27:16Z

Chew: /* Target Market & Non Target Market */

== Product Features ==
* Location:Whole Malaysia (AG,FEDERAL,STATES,POLICE) & GLC's company with existing Angkasa salary deduction
* '''GLC's''' : entitled up to 75% (with T&C apply)
* Interest Rate:4.38%
* Tenure:Min 2 year - Max 10 years
* Payout: 91%
* Finance:Min RM5,000 to RM150,000
* Salary:RM1500.00 and above only
* Age:20 - 57 years
* Work:1 Year & above
* Tat:2 weeks
* Yuran:Waive
* DSR @ COMMITMENT :calculation 90%
* CCRIS: Arrears must not be more than 2 months,be taken in calculating loan, above 3 months REJECT.
# For ccris above 3 months if cust want to proceed, cust have to settle first the ccris & when bank already updated the ccris system clear only then cust can send doc here to process.
* Ctos : Need to settle.

== Special Remark ==
* '''After the loan is approved, the applicant must go to a branch of the Public bank chose to sign a consent form.'''
* '''Wajib dapatkan Pengesahan Jawatan dari pihak majikan-Original.'''

== Document List ==
* Full set application forms Public Bank & Mccm
* BPA form (1pcs)
* 3 copies of NRIC [original certified by the employer].
* 1 original latest Salary Slip -(if carbon payslip)
**3 copies of Salary Slip of the latest past 3 months [original certified by the employer-COMPULSORY 3COPY].
* Confirmation Letter Of Employment-Original.

== Target Market & Non Target Market ==
[[Media:Pbb-MCCM-TM.pdf]] -

'''NON TARGET MARKET'''
* Bekalan Air Selangor Sdn Bhd / Puncak Niaga
* Malaysia Airport Holding Berhad
* Percetakan Nasional Berhad
* Alam Flora
* TELEKOM MALAYSIA BHD
* TENAGA NATIONAL BHD

'''TARGET MARKET'''
* Pos Malaysia - '''can do loan with PBB but compulsory to provide standard Confirmation Letter (with salary & deduction salary detail)'''
* PERBADANAN NASIONAL BERHAD (PNS)
* FELCRA BHD

== Repayment Table ==
[[Media:Pbb-MCCM-Repayment-Table.pdf]]

Public Bank - MCCM

2016-03-03T08:45:12Z

Chew: /* Product Features */

== Product Features ==
* Location:Whole Malaysia (AG,FEDERAL,STATES,POLICE) & GLC's company with existing Angkasa salary deduction
* '''GLC's''' : entitled up to 75% (with T&C apply)
* Interest Rate:4.38%
* Tenure:Min 2 year - Max 10 years
* Payout: 91%
* Finance:Min RM5,000 to RM150,000
* Salary:RM1500.00 and above only
* Age:20 - 57 years
* Work:1 Year & above
* Tat:2 weeks
* Yuran:Waive
* DSR @ COMMITMENT :calculation 90%
* CCRIS: Arrears must not be more than 2 months,be taken in calculating loan, above 3 months REJECT.
# For ccris above 3 months if cust want to proceed, cust have to settle first the ccris & when bank already updated the ccris system clear only then cust can send doc here to process.
* Ctos : Need to settle.

== Special Remark ==
* '''After the loan is approved, the applicant must go to a branch of the Public bank chose to sign a consent form.'''
* '''Wajib dapatkan Pengesahan Jawatan dari pihak majikan-Original.'''

== Document List ==
* Full set application forms Public Bank & Mccm
* BPA form (1pcs)
* 3 copies of NRIC [original certified by the employer].
* 1 original latest Salary Slip -(if carbon payslip)
**3 copies of Salary Slip of the latest past 3 months [original certified by the employer-COMPULSORY 3COPY].
* Confirmation Letter Of Employment-Original.

== Target Market & Non Target Market ==
[[Media:Pbb-MCCM-TM.pdf]] -

'''NON TARGET MARKET'''
* Bekalan Air Selangor Sdn Bhd / Puncak Niaga
* Malaysia Airport Holding Berhad
* Percetakan Nasional Berhad
* Alam Flora
* TELEKOM MALAYSIA BHD
* TENAGA NATIONAL BHD

'''TARGET MARKET'''
* Pos Malaysia - '''can do loan with PBB but compulsory to provide standard Confirmation Letter (with salary & deduction salary detail)'''
* PERBADANAN NASIONAL BERHAD (PNS)

== Repayment Table ==
[[Media:Pbb-MCCM-Repayment-Table.pdf]]

Public Bank - MCCM

2015-11-27T03:05:12Z

Chew: /* Target Market & Non Target Market */

== Product Features ==
* Location:Whole Malaysia (AG,FEDERAL,STATES,POLICE) & GLC's company with existing Angkasa salary deduction
* '''GLC's''' : entitled up to 75% (with T&C apply)
* Interest Rate:3.99%
* Tenure:Min 2 year - Max 10 years
* Payout: 95%
* Finance:Min RM5,000 to RM150,000
* Salary:RM1500.00 and above only
* Age:20 - 57 years
* Work:1 Year & above
* Tat:2 weeks
* Yuran:Waive
* DSR @ COMMITMENT :calculation 90%
* CCRIS: Arrears must not be more than 2 months,be taken in calculating loan, above 3 months REJECT.
# For ccris above 3 months if cust want to proceed, cust have to settle first the ccris & when bank already updated the ccris system clear only then cust can send doc here to process.
* Ctos : Need to settle.

== Special Remark ==
* '''After the loan is approved, the applicant must go to a branch of the Public bank chose to sign a consent form.'''
* '''Wajib dapatkan Pengesahan Jawatan dari pihak majikan-Original.'''

== Document List ==
* Full set application forms Public Bank & Mccm
* BPA form (1pcs)
* 3 copies of NRIC [original certified by the employer].
* 1 original latest Salary Slip -(if carbon payslip)
**3 copies of Salary Slip of the latest past 3 months [original certified by the employer-COMPULSORY 3COPY].
* Confirmation Letter Of Employment-Original.

== Target Market & Non Target Market ==
[[Media:Pbb-MCCM-TM.pdf]] -

'''NON TARGET MARKET'''
* Bekalan Air Selangor Sdn Bhd / Puncak Niaga
* Malaysia Airport Holding Berhad
* Percetakan Nasional Berhad
* Alam Flora
* TELEKOM MALAYSIA BHD
* TENAGA NATIONAL BHD

'''TARGET MARKET'''
* Pos Malaysia - '''can do loan with PBB but compulsory to provide standard Confirmation Letter (with salary & deduction salary detail)'''
* PERBADANAN NASIONAL BERHAD (PNS)

== Repayment Table ==
[[Media:Pbb-MCCM-Repayment-Table.pdf]]

Kobeta - Bank Rakyat @ CIMB

2015-11-12T07:19:13Z

Chew: /* Target and Non-Target Market */

== Special Remarks / Update -KOBETA CIMB ==
We have a new Kobeta package, KOBETA-CIMB. You have an opsyen to choose this package if you find that KOBETA-BRT is slow in reimbursement. KOBETA-CIMB can be better in reimbursing the Loan.

The criteria as per below:
*Location: Whole Malaysia
*Employment Status: 6 Months and Above.
*Loan amount: 2,000 - 250,000
*Min & Max tenure: 10 years (Fix)
*Interest:
**Rate: 4.99% Federal AG, Polis & Existing Customer
**Rate: 5.99% State AG & preferred GLC such as(Majlis,University,LHDN, PERKESO)
*Payout: 81%
**Upfront charges:RM1020.00 - 2 months Installment
*Account Book: '''Maybank'''
*Fees : Rm30 will start deduct after 6 months
*TAT: 2-3 weeks
*'''CTOS : Need to be settled.'''
*For more details pls call Mr Chew /Mimi.
*Borang boleh minta daripada Pn. Asma

== Product Features == KOBETA BANK RAKYAT ==
* Location: Whole Malaysia
* Employment Status: 6 Months and Above.
* Salary: RM1500.00 and above only
* Age: 19 years and above
* Loan amount: 2,000 - 250,000
* Max tenure: 10 years
* Interest :
**Rate: 4.99% Federal AG, Polis & Existing Customer
**Rate: 5.99% State AG & preferred GLC such as(Majlis,University,LHDN, PERKESO)
**Rate: 6.99% CTOS over 30k & BANKRUPTCY (-compulsory to settle if want to proceed)
* Yuran : waive ( yuran rm30 will start deduct after 6 months)
* TAT: 2-3 weeks
* Payout: 81%
* Upfront charges:
** RM1020.00
** 2 months Installment
* CTOS: Ctos below RM30K
**above RM30K proceed with interest 6.99%,compulsory to settle.
* Calculation Sheet:
** [[Media:kobeta-Cash-i-CEF-GST.xls]]

== 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 ==

'''**Acc Book'''
*KOBETA CASH I : please make sure that customers provide Bank Rakyat account number only other than that will not be acceptable by Bank Rakyat.

'''**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 Gurantor – Tiada had ditentukan

'''**Bankcruptcy'''
* Rate :6.99%
* Angkasa must be status ‘A’ active

== Document List ==
* Application Forms :
*'''**pls click here to download''' - [[Media:Senarai-Semak-Forms.pdf]]
* BPA - 2 copy
* Photocopy of IC (disahkan majikan) - ori 3 copies
* Payslip original - 1 copy (Carbon)
* Payslip photocopy (ORI disahkan majikan) (3 copies) for 3 months
* Pengesahan Jawatan-Letter Head / Form Koperasi also can be use (ORI)
* Bank Account copy BANK RAKYAT (compulsory)
* Settlement statement (if any-exp in 1 month & above)
* Opsyen Letter (if any-with cop ori majikan)
* Kobeta Cash-i Checklist, pls click here to download - [[Media:Kobeta-Checklist-New.pdf]]

== Target and Non-Target Market ==

[[Media:TM-and-NonTMkobeta-listing-NEW2.pdf]]
* LEMBAGA PEMBANGUNAN PELABURAN MALAYSIA (MIDA) NON TARGET MARKET
* SABAH ELECTRICITY SDN BHD - NON TARGET MARKET
* MALAYSIA AIRPORT HOLDINGS BERHAD -NON TARGET MARKET
* UEM LAND BERHAD-NON TARGET MARKET

== NON Target Jawatan ==

#PENGAWAL KESELAMATAN/ JAGA
#GURU KAFA
#TUKANG MASAK
#TUKANG KAYU
#AHLI SUKAN
#TENTERA
#JURU TOL
#ARTIS BUDAYA
#JURU METER
#GURU PENDIDIKAN BUKAN SISWAZAH
#JURULATIH KESATRIA (PLKN)
#TEA LADY
#PEKERJA SAMBILAN
#PEKERJA KONTRAK
#POSMEN
#POLIS BANTUAN

== Calculation Sheet & Repayment Table ==
[[Media:KOBETABKR-CEF81-newGST.xls]]

[[Media:KOBETABKR-RT4.99.docx]]

[[Media:KOBETABKR-RT5.99.docx]]

[[Media:KOBETABKR-RT6.99.docx]]

Kobeta - Bank Rakyat @ CIMB

2015-11-04T16:33:16Z

Chew: /* Special Remarks / Update -KOBETA CIMB */

== Special Remarks / Update -KOBETA CIMB ==
We have a new Kobeta package, KOBETA-CIMB. You have an opsyen to choose this package if you find that KOBETA-BRT is slow in reimbursement. KOBETA-CIMB can be better in reimbursing the Loan.

The criteria as per below:
*Location: Whole Malaysia
*Employment Status: 6 Months and Above.
*Loan amount: 2,000 - 250,000
*Min & Max tenure: 10 years (Fix)
*Interest:
**Rate: 4.99% Federal AG, Polis & Existing Customer
**Rate: 5.99% State AG & preferred GLC such as(Majlis,University,LHDN, PERKESO)
*Payout: 81%
**Upfront charges:RM1020.00 - 2 months Installment
*Account Book: '''Maybank'''
*Fees : Rm30 will start deduct after 6 months
*TAT: 2-3 weeks
*'''CTOS : Need to be settled.'''
*For more details pls call Mr Chew /Mimi.
*Borang boleh minta daripada Pn. Asma

== Product Features == KOBETA BANK RAKYAT ==
* Location: Whole Malaysia
* Employment Status: 6 Months and Above.
* Salary: RM1500.00 and above only
* Age: 19 years and above
* Loan amount: 2,000 - 250,000
* Max tenure: 10 years
* Interest :
**Rate: 4.99% Federal AG, Polis & Existing Customer
**Rate: 5.99% State AG & preferred GLC such as(Majlis,University,LHDN, PERKESO)
**Rate: 6.99% CTOS over 30k & BANKRUPTCY (-compulsory to settle if want to proceed)
* Yuran : waive ( yuran rm30 will start deduct after 6 months)
* TAT: 2-3 weeks
* Payout: 81%
* Upfront charges:
** RM1020.00
** 2 months Installment
* CTOS: Ctos below RM30K
**above RM30K proceed with interest 6.99%,compulsory to settle.
* Calculation Sheet:
** [[Media:kobeta-Cash-i-CEF-GST.xls]]

== 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 ==

'''**Acc Book'''
*KOBETA CASH I : please make sure that customers provide Bank Rakyat account number only other than that will not be acceptable by Bank Rakyat.

'''**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 Gurantor – Tiada had ditentukan

'''**Bankcruptcy'''
* Rate :6.99%
* Angkasa must be status ‘A’ active

== Document List ==
* Application Forms :
*'''**pls click here to download''' - [[Media:Senarai-Semak-Forms.pdf]]
* BPA - 2 copy
* Photocopy of IC (disahkan majikan) - ori 3 copies
* Payslip original - 1 copy (Carbon)
* Payslip photocopy (ORI disahkan majikan) (3 copies) for 3 months
* Pengesahan Jawatan-Letter Head / Form Koperasi also can be use (ORI)
* Bank Account copy BANK RAKYAT (compulsory)
* Settlement statement (if any-exp in 1 month & above)
* Opsyen Letter (if any-with cop ori majikan)
* Kobeta Cash-i Checklist, pls click here to download - [[Media:Kobeta-Checklist-New.pdf]]

== Target and Non-Target Market ==

[[Media:TM-and-NonTMkobeta-listing-NEW2.pdf]]
* LEMBAGA PEMBANGUNAN PELABURAN MALAYSIA (MIDA) NON TARGET MARKET
* SABAH ELECTRICITY SDN BHD - NON TARGET MARKET

== NON Target Jawatan ==

#PENGAWAL KESELAMATAN/ JAGA
#GURU KAFA
#TUKANG MASAK
#TUKANG KAYU
#AHLI SUKAN
#TENTERA
#JURU TOL
#ARTIS BUDAYA
#JURU METER
#GURU PENDIDIKAN BUKAN SISWAZAH
#JURULATIH KESATRIA (PLKN)
#TEA LADY
#PEKERJA SAMBILAN
#PEKERJA KONTRAK
#POSMEN
#POLIS BANTUAN

== Calculation Sheet & Repayment Table ==
[[Media:KOBETABKR-CEF81-newGST.xls]]

[[Media:KOBETABKR-RT4.99.docx]]

[[Media:KOBETABKR-RT5.99.docx]]

[[Media:KOBETABKR-RT6.99.docx]]

Kobeta - Bank Rakyat @ CIMB

2015-11-04T16:31:33Z

Chew: /* Product Features */

== Special Remarks / Update -KOBETA CIMB ==
We have a new Kobeta package, KOBETA-CIMB. You have an opsyen to choose this package if you find that KOBETA-BRT is slow in reimbursement. KOBETA-CIMB can be better in reimbursing the Loan.

The criteria as per below:
*Location: Whole Malaysia
*Employment Status: 6 Months and Above.
*Loan amount: 2,000 - 250,000
*Min & Max tenure: 10 years (Fix)
*Interest:
**Rate: 4.99% Federal AG, Polis & Existing Customer
**Rate: 5.99% State AG & preferred GLC such as(Majlis,University,LHDN, PERKESO)
*Payout: 81%
**Upfront charges:RM1020.00 - 2 months Installment
*Account Book: '''Maybank'''
*Fees : Rm30 will start deduct after 6 months
*TAT: 2-3 weeks
*'''CTOS : Need to be settled.'''
*For more details pls call Mr Chew /Mimi.
*Borang boleh minta daripada Pn. Asma

== Product Features == KOBETA BANK RAKYAT
* Location: Whole Malaysia
* Employment Status: 6 Months and Above.
* Salary: RM1500.00 and above only
* Age: 19 years and above
* Loan amount: 2,000 - 250,000
* Max tenure: 10 years
* Interest :
**Rate: 4.99% Federal AG, Polis & Existing Customer
**Rate: 5.99% State AG & preferred GLC such as(Majlis,University,LHDN, PERKESO)
**Rate: 6.99% CTOS over 30k & BANKRUPTCY (-compulsory to settle if want to proceed)
* Yuran : waive ( yuran rm30 will start deduct after 6 months)
* TAT: 2-3 weeks
* Payout: 81%
* Upfront charges:
** RM1020.00
** 2 months Installment
* CTOS: Ctos below RM30K
**above RM30K proceed with interest 6.99%,compulsory to settle.
* Calculation Sheet:
** [[Media:kobeta-Cash-i-CEF-GST.xls]]

== 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 ==

'''**Acc Book'''
*KOBETA CASH I : please make sure that customers provide Bank Rakyat account number only other than that will not be acceptable by Bank Rakyat.

'''**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 Gurantor – Tiada had ditentukan

'''**Bankcruptcy'''
* Rate :6.99%
* Angkasa must be status ‘A’ active

== Document List ==
* Application Forms :
*'''**pls click here to download''' - [[Media:Senarai-Semak-Forms.pdf]]
* BPA - 2 copy
* Photocopy of IC (disahkan majikan) - ori 3 copies
* Payslip original - 1 copy (Carbon)
* Payslip photocopy (ORI disahkan majikan) (3 copies) for 3 months
* Pengesahan Jawatan-Letter Head / Form Koperasi also can be use (ORI)
* Bank Account copy BANK RAKYAT (compulsory)
* Settlement statement (if any-exp in 1 month & above)
* Opsyen Letter (if any-with cop ori majikan)
* Kobeta Cash-i Checklist, pls click here to download - [[Media:Kobeta-Checklist-New.pdf]]

== Target and Non-Target Market ==

[[Media:TM-and-NonTMkobeta-listing-NEW2.pdf]]
* LEMBAGA PEMBANGUNAN PELABURAN MALAYSIA (MIDA) NON TARGET MARKET
* SABAH ELECTRICITY SDN BHD - NON TARGET MARKET

== NON Target Jawatan ==

#PENGAWAL KESELAMATAN/ JAGA
#GURU KAFA
#TUKANG MASAK
#TUKANG KAYU
#AHLI SUKAN
#TENTERA
#JURU TOL
#ARTIS BUDAYA
#JURU METER
#GURU PENDIDIKAN BUKAN SISWAZAH
#JURULATIH KESATRIA (PLKN)
#TEA LADY
#PEKERJA SAMBILAN
#PEKERJA KONTRAK
#POSMEN
#POLIS BANTUAN

== Calculation Sheet & Repayment Table ==
[[Media:KOBETABKR-CEF81-newGST.xls]]

[[Media:KOBETABKR-RT4.99.docx]]

[[Media:KOBETABKR-RT5.99.docx]]

[[Media:KOBETABKR-RT6.99.docx]]

Coshare (KopMINDA)

2015-10-02T06:55:48Z

Chew: /* Document List */

== Product Features ==
* Location: Whole Malaysia '''(AG PAYSLIP ONLY)'''
* Employment Status: 12 Months and Above.
* Salary: RM1500.00 and above only
* Age: 19 years and above
* Loan amount: 2,000 (Min)
* Max tenure: 12 Months
* Interest :6.99%
* Yuran : RM20
* ADMIN FEE : 2% of the Instalment amount or minimum of RM5.00 (whichever is higher)
* TAT: 3 Days
* Payout: 70% Nett
* CTOS: Ctos below RM25K
* Deduction through Coshare (payslip)
* After taking this loan if wanted to overlap , the charges are RM50 and 3 MONTHS INTEREST ONLY.

== Document List ==
* Application Forms :pls click below:
**Borang Senarai Semak: [[Media:kopMINDA-Senarai-Semak-Form.pdf]]
**Borang Byrn Pendahuluan: [[Media:kopMINDA-Byrn-Pendahuluan-Form.pdf]]
**Borang Pgp : [[Media:kopMINDA-Cs-PGP-Form.pdf]] -'''(double sided printing)'''-'''(tak perlu disahkan majikan)'''
**Borang KMP01 : [[Media:kopMINDA-Application-Form.pdf]] -'''(double sided printing)'''
**Borang KMP08 : [[Media:kopMINDA-Membership-Form-New.pdf]]
**Borang KMP06 : [[Media:kopMINDA-Kebenaran Potongan-Form.pdf]]
**Borang KMP09 : [[Media:kopMINDA-Berhenti-Anggota-New-Form.pdf]]
**Borang KMP07 : [[Media:kopMINDA-Notis-Perlindungan-Form.pdf]] -'''(double sided printing)'''
**Borang KMP05 : [[Media:kopMINDA-Surat-Opsyen-Form.pdf]]
**Borang KMP04 : [[Media:kopMINDA-Perjanjian-Belian-Form.pdf]]
**Borang KMP03 : [[Media:kopMINDA-Perjanjian-Jualan-Form.pdf]]
**Borang KMP02 : [[Media:kopMINDA-Twrn-Jualan-Aset-Form.pdf]]
* Photocopy of IC (tak perlu disahkan majikan)3 copies
* Latest Payslip - 3 copy (tak perlu disahkan majikan , satu bulan shj)
* Bank Account copy yang telah '''Certified''' untuk menerima pembiayaan ini
* Opsyen Letter (if any)(JIKA UMUR 53 PERLU OPSYEN LETTER)

== Calculation Sheet & Repayment Table ==
** [[Media:Coshare-KopMinda-CEF-.xls]]

** [[Media:Coshare-KopMinda-table-.pdf]]

Ukhwah - MBB

2015-09-23T12:43:07Z

Chew: /* Accepted and Rejected List */

== Product Features ==
* Location:Whole Malaysia
* Interest Rate Scheme A(AG,FEDERAL,STATES,POLICE&University)
* Kerajaan Negeri Sabah dan Sarawak (kecuali AG & Polis),kelayakan dikira 50% shj
**4.35% = 2-3 years
**4.99% = 4-10 years
* Interest Rate Scheme B(GLCs)
**5.45% =2-10 years
* Interest Rate Scheme C(CTOS HIT)
**6.99%
* Payout: 90%
* UPFRONT DEDUCTION RM500
* Tenure:Min 2 year - Max 10 years
* Finance:Min RM2,000 to RM250,000
* Salary:RM800 and above only
* Age:19 - 57 years
* Work:1 Year & above (must be TETAP & TELAH DISAHKAN JAWATAN-compulsory)
* Tat:2-3 weeks
* Yuran:RM30
* CTOS: Ctos below RM30K
**above RM30K proceed with interest 6.99%, ctos amount below RM50K can go normally but if ctos above RM50K, compulsory to settle.
**compulsory to provide latest full outstanding settlement statement.
* For more details, pls click below:
**Criteria : [[Media:UKHWAHcriteria_15.pdf]]-NEW AUG 2015
**Criteria : [[Media:UKHWAHcriteria_02.pdf]]-OLD 2014

== Payslip expiry date ==
Payslip will expire every 10th. Example:

* February payslip will expire on the 10th April.
* March payslip will expire on the 10th May

== Document List ==
UKHWAH FORMS:
*Borang Senarai Semak-PAGE 1 OF 15
*Borang Senarai Semak-PAGE 2 OF 15
*Borang Permohonan Menjadi Anggota Koperasi-PAGE 3 OF 15
*Borang Permohonan Pembiayaan Peribadi UKHWAH-i-PAGE 4&5 OF 15
*Borang Pengesahan Jawatan-PAGE 6 OF 15
*Borang Surat Tawaran Pembiayaan Peribadi-PAGE 7,8,9&10 OF 15 (2 sets)
*Borang Perjanjian Pembelian Aset-PAGE 11 OF 15
*Borang Perjanjian Penjualan Aset-PAGE 12 OF 15
*Borang Notice / Consent By The Member -PAGE 13 OF 15
*Borang Kebenaran Potongan-PAGE 14 OF 15
*Borang Perlantikan Wakil
*Borang BPA (2 pcs)
Others:
* 1 original latest Salary Slip.
**3 copies of Salary Slip of the latest past 3 months [original certified by the employer-COMPULSORY 3COPY].
*3 copies of NRIC [original certified by the employer].
*Respective head of division/department’s confirmation and verification letter on employment status
*A copy of bank passbook or statement [preferably Maybank].
*Certified Settlement Statement [required for overlapping-exp 2 weeks & above].
*Copy of Retirement Option Letter, if applicant choose to retire at the age of 56/58/60 [original Certified by Employer].
*Copy of Employment Offer Letter in case of service less than 1 year [original Certified by Employer].
*Borang Spekar Angkasa, pls clink the link below:
**[[Media:Spekar-Ukh.pdf]]
*FATCA FORM, pls clink the link below:
**[[Media:FATCA-Ukh1.pdf]]

== Allowances ==

=== Accepted and Rejected List ===
[[Media:TM-and-NonTM-listing.pdf]]

#AMANAH IKHTIAR MALAYSIA -REJECT
#PUNCAK NIAGA (M) SDN BHD - REJECT
#PERBADANAN MUZIUM MELAKA -REJECT
#TENAGA NASIONAL BHD -REJECT
# SABAH ELECTRICITY SDN BHD - NON TARGET MARKET

== Calculation Sheet & Repayment Table ==
Ukhwah Calculation System:

[[http://www.ukhwah.com.my/eforms.html]]
*Login : ukhwah
*Password : 12345678

*[[Media:UKHWAH-Repayment-Table-A.pdf]]
*[[Media:UKHWAH-Repayment-Table-B.pdf]]
*[[Media:UKHWAH-Repayment-Table-C.pdf]]

Kospem - Bank Rakyat

2015-09-23T12:42:08Z

Chew: /* Calculation Sheet */

== Product Features ==
* Location:Whole Malaysia (FOR ALL GORVEMENT DEPT- from SABAH AND SARAWAK CASE, ONLY AG AND POLICE WILL BE ACCEPTED
* Interest Rate: 6.50%
* Payout: 70%
* Kelayakan : 60%
* Tenure:Min 2 year - Max 10 years
* Finance:Min RM15,000 to RM150,000
* Salary:RM1500.00 and above only
* Age:21 - 57 years
* Tat:2 weeks (depend on confirmation job)
* Yuran:RM30
* CTOS: Ctos below RM30K, regardless of external commitments and CCRIS

== Document List ==
*KOSPEM FORMS:-please click below:
* '''BORANG YANG PERLU FOTOSTAT DEPAN BELAKANG.'''
#KP05 dan KP05a
#KP05b dan KP05c
#KP09 dan KP09a
**[[Media:KOSPEM-BRT-New-Application-Form.pdf]]
**[[Media:KOSPEM-BRT-New-PV.pdf]]
*Borang Ctos Consent: [[Media:KOSPEM-BRT-CTOS-CONSENT.pdf]]
**Contoh isi borang Ctos :[[Media:KOSPEM-BRT-CTOS-CONTOH.pdf]]
* 1 original latest Salary Slip.
**3 copies of Salary Slip of the latest past 3 months [original certified by the employer-COMPULSORY 3COPY each months].
*3 copies of NRIC [original certified by the employer].
*confirmation and verification letter on employment status
* BPA Forms(1pcs)
*Bank Rakyat acc statement / bank book '''[for Disbursement-COMPULSORY]'''.
*Certified Settlement Statement [required for overlapping-exp 2 weeks & above].
*Copy of Retirement Option Letter, if applicant choose to retire at the age of 56/58/60 [original Certified by Employer].
*Utility Bill -address must be same with application forms '''(Compulsory)'''.
* All documents must be signed by mo at witness space(ruangan saksi) '''-COMPULSORY'''
*'''Form Sorting'''
**please click :[[Media:KOSPEM-BRT-Sorting.pdf]]

== Kospem Brt Form Filling Guide ==
* [[File:Kospem-BRT-Form-New.pdf]]

== Calculation Sheet ==
* [[Media:KOSPEM-BRT-New5.xls]]

== NON TARGET MARKET ==
* SABAH ELECTRICITY SDN BHD - NON TARGET MARKET

Kobeta - Bank Rakyat-NEW

2015-09-23T12:39:59Z

Chew: /* Target and Non-Target Market */

== Product Features ==
* Location: Whole Malaysia
* Employment Status: 6 Months and Above.
* Salary: RM1500.00 and above only
* Age: 19 years and above
* Loan amount: 2,000 - 250,000
* Max tenure: 10 years
* Interest :
**Rate: 4.99% Federal AG, Polis & Existing Customer
**Rate: 5.99% State AG & preferred GLC such as(Majlis,University,LHDN, PERKESO)
**Rate: 6.99% CTOS over 30k & BANKRUPTCY (-compulsory to settle if want to proceed)
* Yuran : waive ( yuran rm30 will start deduct after 6 months)
* TAT: 2-3 weeks
* Payout: 81%
* Upfront charges:
** RM1020.00
** 2 months Installment
* CTOS: Ctos below RM30K
**above RM30K proceed with interest 6.99%,compulsory to settle.
* Calculation Sheet:
** [[Media:kobeta-Cash-i-CEF-GST.xls]]

== 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 ==

'''**Acc Book'''
*KOBETA CASH I : please make sure that customers provide Bank Rakyat account number only other than that will not be acceptable by Bank Rakyat.

'''**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 Gurantor – Tiada had ditentukan

'''**Bankcruptcy'''
* Rate :6.99%
* Angkasa must be status ‘A’ active

== Document List ==
* Application Forms :
*'''**pls click here to download''' - [[Media:Senarai-Semak-Forms.pdf]]
* BPA - 2 copy
* Photocopy of IC (disahkan majikan) - ori 3 copies
* Payslip original - 1 copy (Carbon)
* Payslip photocopy (ORI disahkan majikan) (3 copies) for 3 months
* Pengesahan Jawatan-Letter Head / Form Koperasi also can be use (ORI)
* Bank Account copy BANK RAKYAT (compulsory)
* Settlement statement (if any-exp in 1 month & above)
* Opsyen Letter (if any-with cop ori majikan)
* Kobeta Cash-i Checklist, pls click here to download - [[Media:Kobeta-Checklist-New.pdf]]

== Target and Non-Target Market ==

[[Media:TM-and-NonTMkobeta-listing-NEW1.xlsx]]
* LEMBAGA PEMBANGUNAN PELABURAN MALAYSIA (MIDA) NON TARGET MARKET
* SABAH ELECTRICITY SDN BHD - NON TARGET MARKET

== Calculation Sheet & Repayment Table ==
[[Media:KOBETABKR-CEF81-newGST.xls]]

[[Media:KOBETABKR-RT4.99.docx]]

[[Media:KOBETABKR-RT5.99.docx]]

[[Media:KOBETABKR-RT6.99.docx]]

Kobeta - Bank Rakyat-NEW

2015-09-22T15:30:00Z

Chew: /* Target and Non-Target Market */

== Product Features ==
* Location: Whole Malaysia
* Employment Status: 6 Months and Above.
* Salary: RM1500.00 and above only
* Age: 19 years and above
* Loan amount: 2,000 - 250,000
* Max tenure: 10 years
* Interest :
**Rate: 4.99% Federal AG, Polis & Existing Customer
**Rate: 5.99% State AG & preferred GLC such as(Majlis,University,LHDN, PERKESO)
**Rate: 6.99% CTOS over 30k & BANKRUPTCY (-compulsory to settle if want to proceed)
* Yuran : waive ( yuran rm30 will start deduct after 6 months)
* TAT: 2-3 weeks
* Payout: 81%
* Upfront charges:
** RM1020.00
** 2 months Installment
* CTOS: Ctos below RM30K
**above RM30K proceed with interest 6.99%,compulsory to settle.
* Calculation Sheet:
** [[Media:kobeta-Cash-i-CEF-GST.xls]]

== 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 ==

'''**Acc Book'''
*KOBETA CASH I : please make sure that customers provide Bank Rakyat account number only other than that will not be acceptable by Bank Rakyat.

'''**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 Gurantor – Tiada had ditentukan

'''**Bankcruptcy'''
* Rate :6.99%
* Angkasa must be status ‘A’ active

== Document List ==
* Application Forms :
*'''**pls click here to download''' - [[Media:Senarai-Semak-Forms.pdf]]
* BPA - 2 copy
* Photocopy of IC (disahkan majikan) - ori 3 copies
* Payslip original - 1 copy (Carbon)
* Payslip photocopy (ORI disahkan majikan) (3 copies) for 3 months
* Pengesahan Jawatan-Letter Head / Form Koperasi also can be use (ORI)
* Bank Account copy BANK RAKYAT (compulsory)
* Settlement statement (if any-exp in 1 month & above)
* Opsyen Letter (if any-with cop ori majikan)
* Kobeta Cash-i Checklist, pls click here to download - [[Media:Kobeta-Checklist-New.pdf]]

== Target and Non-Target Market ==

[[Media:TM-and-NonTMkobeta-listing-NEW1.xlsx]]
* LEMBAGA PEMBANGUNAN PELABURAN MALAYSIA (MIDA) NON TARGET MARKET

== Calculation Sheet & Repayment Table ==
[[Media:KOBETABKR-CEF81-newGST.xls]]

[[Media:KOBETABKR-RT4.99.docx]]

[[Media:KOBETABKR-RT5.99.docx]]

[[Media:KOBETABKR-RT6.99.docx]]

Coshare (KopMINDA)

2015-09-16T08:05:36Z

Chew: /* Document List */

== Product Features ==
* Location: Whole Malaysia '''(AG PAYSLIP ONLY)'''
* Employment Status: 12 Months and Above.
* Salary: RM1500.00 and above only
* Age: 19 years and above
* Loan amount: 2,000 (Min)
* Max tenure: 12 Months
* Interest :6.99%
* Yuran : RM20
* ADMIN FEE : 2% of the Instalment amount or minimum of RM5.00 (whichever is higher)
* TAT: 3 Days
* Payout: 70% Nett
* CTOS: Ctos below RM25K
* Calculation Sheet:
** [[Media:Coshare-KopMinda-CEF-.xls]]
* Deduction through Coshare (payslip)
* After taking this loan if wanted to overlap , the charges are RM50 and 3 MONTHS INTEREST ONLY.

== Document List ==
* Application Forms :pls click below:
**Borang Senarai Semak: [[Media:kopMINDA-Senarai-Semak-Form.pdf]]
**Borang Pgp : [[Media:kopMINDA-Cs-PGP-Form.pdf]] (double sided printing)(tak perlu disahkan majikan)
**Borang KMP01 : [[Media:kopMINDA-Application-Form.pdf]] (double sided printing)
**Borang KMP08 : [[Media:kopMINDA-Membership-Form.pdf]]
**Borang KMP06 : [[Media:kopMINDA-Kebenaran Potongan-Form.pdf]] (double sided printing)
**Borang KMP09 : [[Media:kopMINDA-Berhenti-Anggota-Form.pdf]]
**Borang KMP07 : [[Media:kopMINDA-Notis-Perlindungan-Form.pdf]] (double sided printing)
**Borang KMP05 : [[Media:kopMINDA-Surat-Opsyen-Form.pdf]]
**Borang KMP04 : [[Media:kopMINDA-Perjanjian-Belian-Form.pdf]] (double sided printing)
**Borang KMP03 : [[Media:kopMINDA-Perjanjian-Jualan-Form.pdf]] (double sided printing)
**Borang KMP02 : [[Media:kopMINDA-Twrn-Jualan-Aset-Form.pdf]] (double sided printing)
* Photocopy of IC (tak perlu disahkan majikan)3 copies
* Latest Payslip - 3 copy (tak perlu disahkan majikan)
* Bank Account copy yang telah '''Certified''' untuk menerima pembiayaan ini
* Opsyen Letter (if any)(JIKA UMUR 53 PERLU OPSYEN LETTER)

Coshare (KopMINDA)

2015-09-16T08:02:13Z

Chew: /* Document List */

== Product Features ==
* Location: Whole Malaysia '''(AG PAYSLIP ONLY)'''
* Employment Status: 12 Months and Above.
* Salary: RM1500.00 and above only
* Age: 19 years and above
* Loan amount: 2,000 (Min)
* Max tenure: 12 Months
* Interest :6.99%
* Yuran : RM20
* ADMIN FEE : 2% of the Instalment amount or minimum of RM5.00 (whichever is higher)
* TAT: 3 Days
* Payout: 70% Nett
* CTOS: Ctos below RM25K
* Calculation Sheet:
** [[Media:Coshare-KopMinda-CEF-.xls]]
* Deduction through Coshare (payslip)
* After taking this loan if wanted to overlap , the charges are RM50 and 3 MONTHS INTEREST ONLY.

== Document List ==
* Application Forms :pls click below:
**Borang Senarai Semak: [[Media:kopMINDA-Senarai-Semak-Form.pdf]]
**Borang Pgp : [[Media:kopMINDA-Cs-PGP-Form.pdf]] (double sided printing)(tak perlu disahkan majikan)
**Borang KMP01 : [[Media:kopMINDA-Application-Form.pdf]] (double sided printing)
**Borang KMP08 : [[Media:kopMINDA-Membership-Form.pdf]]
**Borang KMP06 : [[Media:kopMINDA-Kebenaran Potongan-Form.pdf]] (double sided printing)
**Borang KMP09 : [[Media:kopMINDA-Berhenti-Anggota-Form.pdf]]
**Borang KMP07 : [[Media:kopMINDA-Notis-Perlindungan-Form.pdf]] (double sided printing)
**Borang KMP05 : [[Media:kopMINDA-Surat-Opsyen-Form.pdf]]
**Borang KMP04 : [[Media:kopMINDA-Perjanjian-Belian-Form.pdf]] (double sided printing)
**Borang KMP03 : [[Media:kopMINDA-Perjanjian-Jualan-Form.pdf]] (double sided printing)
**Borang KMP02 : [[Media:kopMINDA-Twrn-Jualan-Aset-Form.pdf]] (double sided printing)
* Photocopy of IC (tak perlu disahkan majikan)3 copies
* Latest Payslip - 3 copy (tak perlu disahkan majikan)
* Bank Account copy yang telah '''Certified''' untuk menerima pembiayaan ini
* Opsyen Letter (if any)

Coshare (KopMINDA)

2015-09-16T08:01:01Z

Chew: /* Product Features */

== Product Features ==
* Location: Whole Malaysia '''(AG PAYSLIP ONLY)'''
* Employment Status: 12 Months and Above.
* Salary: RM1500.00 and above only
* Age: 19 years and above
* Loan amount: 2,000 (Min)
* Max tenure: 12 Months
* Interest :6.99%
* Yuran : RM20
* ADMIN FEE : 2% of the Instalment amount or minimum of RM5.00 (whichever is higher)
* TAT: 3 Days
* Payout: 70% Nett
* CTOS: Ctos below RM25K
* Calculation Sheet:
** [[Media:Coshare-KopMinda-CEF-.xls]]
* Deduction through Coshare (payslip)
* After taking this loan if wanted to overlap , the charges are RM50 and 3 MONTHS INTEREST ONLY.

== Document List ==
* Application Forms :pls click below:
**Borang Senarai Semak: [[Media:kopMINDA-Senarai-Semak-Form.pdf]]
**Borang Pgp : [[Media:kopMINDA-Cs-PGP-Form.pdf]] (double sided printing)
**Borang KMP01 : [[Media:kopMINDA-Application-Form.pdf]] (double sided printing)
**Borang KMP08 : [[Media:kopMINDA-Membership-Form.pdf]]
**Borang KMP06 : [[Media:kopMINDA-Kebenaran Potongan-Form.pdf]] (double sided printing)
**Borang KMP09 : [[Media:kopMINDA-Berhenti-Anggota-Form.pdf]]
**Borang KMP07 : [[Media:kopMINDA-Notis-Perlindungan-Form.pdf]] (double sided printing)
**Borang KMP05 : [[Media:kopMINDA-Surat-Opsyen-Form.pdf]]
**Borang KMP04 : [[Media:kopMINDA-Perjanjian-Belian-Form.pdf]] (double sided printing)
**Borang KMP03 : [[Media:kopMINDA-Perjanjian-Jualan-Form.pdf]] (double sided printing)
**Borang KMP02 : [[Media:kopMINDA-Twrn-Jualan-Aset-Form.pdf]] (double sided printing)
* Photocopy of IC (tak perlu disahkan majikan)3 copies
* Latest Payslip - 3 copy (tak perlu disahkan majikan)
* Bank Account copy yang telah '''Certified''' untuk menerima pembiayaan ini
* Opsyen Letter (if any)

Coshare (KopMINDA)

2015-09-16T07:58:25Z

Chew: /* Document List */

== Product Features ==
* Location: Whole Malaysia '''(AG PAYSLIP ONLY)'''
* Employment Status: 12 Months and Above.
* Salary: RM1500.00 and above only
* Age: 19 years and above
* Loan amount: 2,000 (Min)
* Max tenure: 12 Months
* Interest :6.99%
* Yuran : RM20
* TAT: 3 Days
* Payout: 70% Nett
* CTOS: Ctos below RM25K
* Calculation Sheet:
** [[Media:Coshare-KopMinda-CEF-.xls]]
* Deduction through Coshare (payslip)
* After taking this loan if wanted to overlap , the charges are RM50 and 3 MONTHS INTEREST ONLY.

== Document List ==
* Application Forms :pls click below:
**Borang Senarai Semak: [[Media:kopMINDA-Senarai-Semak-Form.pdf]]
**Borang Pgp : [[Media:kopMINDA-Cs-PGP-Form.pdf]] (double sided printing)
**Borang KMP01 : [[Media:kopMINDA-Application-Form.pdf]] (double sided printing)
**Borang KMP08 : [[Media:kopMINDA-Membership-Form.pdf]]
**Borang KMP06 : [[Media:kopMINDA-Kebenaran Potongan-Form.pdf]] (double sided printing)
**Borang KMP09 : [[Media:kopMINDA-Berhenti-Anggota-Form.pdf]]
**Borang KMP07 : [[Media:kopMINDA-Notis-Perlindungan-Form.pdf]] (double sided printing)
**Borang KMP05 : [[Media:kopMINDA-Surat-Opsyen-Form.pdf]]
**Borang KMP04 : [[Media:kopMINDA-Perjanjian-Belian-Form.pdf]] (double sided printing)
**Borang KMP03 : [[Media:kopMINDA-Perjanjian-Jualan-Form.pdf]] (double sided printing)
**Borang KMP02 : [[Media:kopMINDA-Twrn-Jualan-Aset-Form.pdf]] (double sided printing)
* Photocopy of IC (tak perlu disahkan majikan)3 copies
* Latest Payslip - 3 copy (tak perlu disahkan majikan)
* Bank Account copy yang telah '''Certified''' untuk menerima pembiayaan ini
* Opsyen Letter (if any)

Coshare (KopMINDA)

2015-09-16T07:56:36Z

Chew: /* Document List */

== Product Features ==
* Location: Whole Malaysia '''(AG PAYSLIP ONLY)'''
* Employment Status: 12 Months and Above.
* Salary: RM1500.00 and above only
* Age: 19 years and above
* Loan amount: 2,000 (Min)
* Max tenure: 12 Months
* Interest :6.99%
* Yuran : RM20
* TAT: 3 Days
* Payout: 70% Nett
* CTOS: Ctos below RM25K
* Calculation Sheet:
** [[Media:Coshare-KopMinda-CEF-.xls]]
* Deduction through Coshare (payslip)
* After taking this loan if wanted to overlap , the charges are RM50 and 3 MONTHS INTEREST ONLY.

== Document List ==
* Application Forms :pls click below:
**Borang Senarai Semak: [[Media:kopMINDA-Senarai-Semak-Form.pdf]]
**Borang Pgp : [[Media:kopMINDA-Cs-PGP-Form.pdf]] (double sided printing)
**Borang KMP01 : [[Media:kopMINDA-Application-Form.pdf]] (double sided printing)
**Borang KMP08 : [[Media:kopMINDA-Membership-Form.pdf]]
**Borang KMP06 : [[Media:kopMINDA-Kebenaran Potongan-Form.pdf]] (double sided printing)
**Borang KMP09 : [[Media:kopMINDA-Berhenti-Anggota-Form.pdf]]
**Borang KMP07 : [[Media:kopMINDA-Notis-Perlindungan-Form.pdf]] (double sided printing)
**Borang KMP05 : [[Media:kopMINDA-Surat-Opsyen-Form.pdf]]
**Borang KMP04 : [[Media:kopMINDA-Perjanjian-Belian-Form.pdf]] (double sided printing)
**Borang KMP03 : [[Media:kopMINDA-Perjanjian-Jualan-Form.pdf]] (double sided printing)
**Borang KMP02 : [[Media:kopMINDA-Twrn-Jualan-Aset-Form.pdf]]
* Photocopy of IC (tak perlu disahkan majikan)3 copies
* Latest Payslip - 3 copy
* Bank Account copy yang telah '''Certified''' untuk menerima pembiayaan ini
* Opsyen Letter (if any)

Coshare (KopMINDA)

2015-09-16T07:56:18Z

Chew: /* Document List */

== Product Features ==
* Location: Whole Malaysia '''(AG PAYSLIP ONLY)'''
* Employment Status: 12 Months and Above.
* Salary: RM1500.00 and above only
* Age: 19 years and above
* Loan amount: 2,000 (Min)
* Max tenure: 12 Months
* Interest :6.99%
* Yuran : RM20
* TAT: 3 Days
* Payout: 70% Nett
* CTOS: Ctos below RM25K
* Calculation Sheet:
** [[Media:Coshare-KopMinda-CEF-.xls]]
* Deduction through Coshare (payslip)
* After taking this loan if wanted to overlap , the charges are RM50 and 3 MONTHS INTEREST ONLY.

== Document List ==
* Application Forms :pls click below:
**Borang Senarai Semak: [[Media:kopMINDA-Senarai-Semak-Form.pdf]]
**Borang Pgp : [[Media:kopMINDA-Cs-PGP-Form.pdf]] (double sided printing)
**Borang KMP01 : [[Media:kopMINDA-Application-Form.pdf]] (double sided printing)
**Borang KMP08 : [[Media:kopMINDA-Membership-Form.pdf]]
**Borang KMP06 : [[Media:kopMINDA-Kebenaran Potongan-Form.pdf]] (double sided printing)
**Borang KMP09 : [[Media:kopMINDA-Berhenti-Anggota-Form.pdf]]
**Borang KMP07 : [[Media:kopMINDA-Notis-Perlindungan-Form.pdf]] (double sided printing)
**Borang KMP05 : [[Media:kopMINDA-Surat-Opsyen-Form.pdf]]
**Borang KMP04 : [[Media:kopMINDA-Perjanjian-Belian-Form.pdf]] (double sided printing)
**Borang KMP03 : [[Media:kopMINDA-Perjanjian-Jualan-Form.pdf]]
**Borang KMP02 : [[Media:kopMINDA-Twrn-Jualan-Aset-Form.pdf]]
* Photocopy of IC (tak perlu disahkan majikan)3 copies
* Latest Payslip - 3 copy
* Bank Account copy yang telah '''Certified''' untuk menerima pembiayaan ini
* Opsyen Letter (if any)

Coshare (KopMINDA)

2015-09-16T07:54:41Z

Chew: /* Document List */

== Product Features ==
* Location: Whole Malaysia '''(AG PAYSLIP ONLY)'''
* Employment Status: 12 Months and Above.
* Salary: RM1500.00 and above only
* Age: 19 years and above
* Loan amount: 2,000 (Min)
* Max tenure: 12 Months
* Interest :6.99%
* Yuran : RM20
* TAT: 3 Days
* Payout: 70% Nett
* CTOS: Ctos below RM25K
* Calculation Sheet:
** [[Media:Coshare-KopMinda-CEF-.xls]]
* Deduction through Coshare (payslip)
* After taking this loan if wanted to overlap , the charges are RM50 and 3 MONTHS INTEREST ONLY.

== Document List ==
* Application Forms :pls click below:
**Borang Senarai Semak: [[Media:kopMINDA-Senarai-Semak-Form.pdf]]
**Borang Pgp : [[Media:kopMINDA-Cs-PGP-Form.pdf]] (double sided printing)
**Borang KMP01 : [[Media:kopMINDA-Application-Form.pdf]] (double sided printing)
**Borang KMP08 : [[Media:kopMINDA-Membership-Form.pdf]]
**Borang KMP06 : [[Media:kopMINDA-Kebenaran Potongan-Form.pdf]] (double sided printing)
**Borang KMP09 : [[Media:kopMINDA-Berhenti-Anggota-Form.pdf]]
**Borang KMP07 : [[Media:kopMINDA-Notis-Perlindungan-Form.pdf]] (double sided printing)
**Borang KMP05 : [[Media:kopMINDA-Surat-Opsyen-Form.pdf]]
**Borang KMP04 : [[Media:kopMINDA-Perjanjian-Belian-Form.pdf]]
**Borang KMP03 : [[Media:kopMINDA-Perjanjian-Jualan-Form.pdf]]
**Borang KMP02 : [[Media:kopMINDA-Twrn-Jualan-Aset-Form.pdf]]
* Photocopy of IC (tak perlu disahkan majikan)3 copies
* Latest Payslip - 3 copy
* Bank Account copy yang telah '''Certified''' untuk menerima pembiayaan ini
* Opsyen Letter (if any)

Coshare (KopMINDA)

2015-09-16T07:54:03Z

Chew: /* Document List */

== Product Features ==
* Location: Whole Malaysia '''(AG PAYSLIP ONLY)'''
* Employment Status: 12 Months and Above.
* Salary: RM1500.00 and above only
* Age: 19 years and above
* Loan amount: 2,000 (Min)
* Max tenure: 12 Months
* Interest :6.99%
* Yuran : RM20
* TAT: 3 Days
* Payout: 70% Nett
* CTOS: Ctos below RM25K
* Calculation Sheet:
** [[Media:Coshare-KopMinda-CEF-.xls]]
* Deduction through Coshare (payslip)
* After taking this loan if wanted to overlap , the charges are RM50 and 3 MONTHS INTEREST ONLY.

== Document List ==
* Application Forms :pls click below:
**Borang Senarai Semak: [[Media:kopMINDA-Senarai-Semak-Form.pdf]]
**Borang Pgp : [[Media:kopMINDA-Cs-PGP-Form.pdf]] (double sided printing)
**Borang KMP01 : [[Media:kopMINDA-Application-Form.pdf]] (double sided printing)
**Borang KMP08 : [[Media:kopMINDA-Membership-Form.pdf]]
**Borang KMP06 : [[Media:kopMINDA-Kebenaran Potongan-Form.pdf]] (double sided printing)
**Borang KMP09 : [[Media:kopMINDA-Berhenti-Anggota-Form.pdf]]
**Borang KMP07 : [[Media:kopMINDA-Notis-Perlindungan-Form.pdf]]
**Borang KMP05 : [[Media:kopMINDA-Surat-Opsyen-Form.pdf]]
**Borang KMP04 : [[Media:kopMINDA-Perjanjian-Belian-Form.pdf]]
**Borang KMP03 : [[Media:kopMINDA-Perjanjian-Jualan-Form.pdf]]
**Borang KMP02 : [[Media:kopMINDA-Twrn-Jualan-Aset-Form.pdf]]
* Photocopy of IC (tak perlu disahkan majikan)3 copies
* Latest Payslip - 3 copy
* Bank Account copy yang telah '''Certified''' untuk menerima pembiayaan ini
* Opsyen Letter (if any)

Coshare (KopMINDA)

2015-09-16T07:52:13Z

Chew: /* Document List */

== Product Features ==
* Location: Whole Malaysia '''(AG PAYSLIP ONLY)'''
* Employment Status: 12 Months and Above.
* Salary: RM1500.00 and above only
* Age: 19 years and above
* Loan amount: 2,000 (Min)
* Max tenure: 12 Months
* Interest :6.99%
* Yuran : RM20
* TAT: 3 Days
* Payout: 70% Nett
* CTOS: Ctos below RM25K
* Calculation Sheet:
** [[Media:Coshare-KopMinda-CEF-.xls]]
* Deduction through Coshare (payslip)
* After taking this loan if wanted to overlap , the charges are RM50 and 3 MONTHS INTEREST ONLY.

== Document List ==
* Application Forms :pls click below:
**Borang Senarai Semak: [[Media:kopMINDA-Senarai-Semak-Form.pdf]]
**Borang Pgp : [[Media:kopMINDA-Cs-PGP-Form.pdf]] (double sided printing)
**Borang KMP01 : [[Media:kopMINDA-Application-Form.pdf]] (double sided printing)
**Borang KMP08 : [[Media:kopMINDA-Membership-Form.pdf]]
**Borang KMP06 : [[Media:kopMINDA-Kebenaran Potongan-Form.pdf]]
**Borang KMP09 : [[Media:kopMINDA-Berhenti-Anggota-Form.pdf]]
**Borang KMP07 : [[Media:kopMINDA-Notis-Perlindungan-Form.pdf]]
**Borang KMP05 : [[Media:kopMINDA-Surat-Opsyen-Form.pdf]]
**Borang KMP04 : [[Media:kopMINDA-Perjanjian-Belian-Form.pdf]]
**Borang KMP03 : [[Media:kopMINDA-Perjanjian-Jualan-Form.pdf]]
**Borang KMP02 : [[Media:kopMINDA-Twrn-Jualan-Aset-Form.pdf]]
* Photocopy of IC (tak perlu disahkan majikan)3 copies
* Latest Payslip - 3 copy
* Bank Account copy yang telah '''Certified''' untuk menerima pembiayaan ini
* Opsyen Letter (if any)

Coshare (KopMINDA)

2015-09-16T07:50:48Z

Chew: /* Document List */

== Product Features ==
* Location: Whole Malaysia '''(AG PAYSLIP ONLY)'''
* Employment Status: 12 Months and Above.
* Salary: RM1500.00 and above only
* Age: 19 years and above
* Loan amount: 2,000 (Min)
* Max tenure: 12 Months
* Interest :6.99%
* Yuran : RM20
* TAT: 3 Days
* Payout: 70% Nett
* CTOS: Ctos below RM25K
* Calculation Sheet:
** [[Media:Coshare-KopMinda-CEF-.xls]]
* Deduction through Coshare (payslip)
* After taking this loan if wanted to overlap , the charges are RM50 and 3 MONTHS INTEREST ONLY.

== Document List ==
* Application Forms :pls click below:
**Borang Senarai Semak: [[Media:kopMINDA-Senarai-Semak-Form.pdf]]
**Borang Pgp : [[Media:kopMINDA-Cs-PGP-Form.pdf]] (double sided printing)
**Borang KMP01 : [[Media:kopMINDA-Application-Form.pdf]]
**Borang KMP08 : [[Media:kopMINDA-Membership-Form.pdf]]
**Borang KMP06 : [[Media:kopMINDA-Kebenaran Potongan-Form.pdf]]
**Borang KMP09 : [[Media:kopMINDA-Berhenti-Anggota-Form.pdf]]
**Borang KMP07 : [[Media:kopMINDA-Notis-Perlindungan-Form.pdf]]
**Borang KMP05 : [[Media:kopMINDA-Surat-Opsyen-Form.pdf]]
**Borang KMP04 : [[Media:kopMINDA-Perjanjian-Belian-Form.pdf]]
**Borang KMP03 : [[Media:kopMINDA-Perjanjian-Jualan-Form.pdf]]
**Borang KMP02 : [[Media:kopMINDA-Twrn-Jualan-Aset-Form.pdf]]
* Photocopy of IC (tak perlu disahkan majikan)3 copies
* Latest Payslip - 3 copy
* Bank Account copy yang telah '''Certified''' untuk menerima pembiayaan ini
* Opsyen Letter (if any)

Coshare (KopMINDA)

2015-09-16T07:50:34Z

Chew: /* Document List */

== Product Features ==
* Location: Whole Malaysia '''(AG PAYSLIP ONLY)'''
* Employment Status: 12 Months and Above.
* Salary: RM1500.00 and above only
* Age: 19 years and above
* Loan amount: 2,000 (Min)
* Max tenure: 12 Months
* Interest :6.99%
* Yuran : RM20
* TAT: 3 Days
* Payout: 70% Nett
* CTOS: Ctos below RM25K
* Calculation Sheet:
** [[Media:Coshare-KopMinda-CEF-.xls]]
* Deduction through Coshare (payslip)
* After taking this loan if wanted to overlap , the charges are RM50 and 3 MONTHS INTEREST ONLY.

== Document List ==
* Application Forms :pls click below:
**Borang Senarai Semak: [[Media:kopMINDA-Senarai-Semak-Form.pdf]]
**Borang Pgp : [[Media:kopMINDA-Cs-PGP-Form.pdf]](double sided printing)
**Borang KMP01 : [[Media:kopMINDA-Application-Form.pdf]]
**Borang KMP08 : [[Media:kopMINDA-Membership-Form.pdf]]
**Borang KMP06 : [[Media:kopMINDA-Kebenaran Potongan-Form.pdf]]
**Borang KMP09 : [[Media:kopMINDA-Berhenti-Anggota-Form.pdf]]
**Borang KMP07 : [[Media:kopMINDA-Notis-Perlindungan-Form.pdf]]
**Borang KMP05 : [[Media:kopMINDA-Surat-Opsyen-Form.pdf]]
**Borang KMP04 : [[Media:kopMINDA-Perjanjian-Belian-Form.pdf]]
**Borang KMP03 : [[Media:kopMINDA-Perjanjian-Jualan-Form.pdf]]
**Borang KMP02 : [[Media:kopMINDA-Twrn-Jualan-Aset-Form.pdf]]
* Photocopy of IC (tak perlu disahkan majikan)3 copies
* Latest Payslip - 3 copy
* Bank Account copy yang telah '''Certified''' untuk menerima pembiayaan ini
* Opsyen Letter (if any)

Public Bank - MCCM

2015-09-02T15:09:17Z

Chew: /* Target Market & Non Target Market */

== Product Features ==
* Location:Whole Malaysia (AG,FEDERAL,STATES,POLICE) & GLC's company with existing Angkasa salary deduction
* '''GLC's''' : entitled up to 75% (with T&C apply)
* Interest Rate:3.99%
* Tenure:Min 2 year - Max 10 years
* Payout: 95%
* Finance:Min RM5,000 to RM150,000
* Salary:RM1500.00 and above only
* Age:20 - 57 years
* Work:1 Year & above
* Tat:2 weeks
* Yuran:Waive
* DSR @ COMMITMENT :calculation 90%
* CCRIS: Arrears must not be more than 2 months,be taken in calculating loan, above 3 months REJECT.
# For ccris above 3 months if cust want to proceed, cust have to settle first the ccris & when bank already updated the ccris system clear only then cust can send doc here to process.
* Ctos : Need to settle.

== Special Remark ==
* '''After the loan is approved, the applicant must go to a branch of the Public bank chose to sign a consent form.'''
* '''Wajib dapatkan Pengesahan Jawatan dari pihak majikan-Original.'''

== Document List ==
* Full set application forms Public Bank & Mccm
* BPA form (1pcs)
* 3 copies of NRIC [original certified by the employer].
* 1 original latest Salary Slip -(if carbon payslip)
**3 copies of Salary Slip of the latest past 3 months [original certified by the employer-COMPULSORY 3COPY].
* Confirmation Letter Of Employment-Original.

== Target Market & Non Target Market ==
[[Media:Pbb-MCCM-TM.pdf]]
* Bekalan Air Selangor Sdn Bhd / Puncak Niaga - '''non target market'''
* Malaysia Airport Holding Berhad - '''non target market'''
* Percetakan Nasional Berhad
* Alam Flora
* Pos Malaysia - '''can do loan with PBB but compulsory to provide standard Confirmation Letter (with salary & deduction salary detail)'''
* PERBADANAN NASIONAL BERHAD (PNS) - '''TARGET MARKET'''

== Repayment Table ==
[[Media:Pbb-MCCM-Repayment-Table.pdf]]

RCE - Yayasan

2015-08-26T07:26:24Z

Chew: /* Non Target Market */

== Product Features ==
* Location: Whole Malaysia (Sabah & Sarawak - Commission less 1%)
* Interest Rate:
** Permanent-Work > 3 years & salary above RM3800.00 : 4.99%
** Permanent-Work < 3 years & salary below than RM3800.00 : 5.99%
** Contract & Work > 1 year: 7.88% (Kontrak Bersambung)
* Payout:
** Permanent: 92% - RM20
** Contract: 87% - RM20
* Tenure: 1 to 22 years
* Financing Amount: RM1,000 to RM250,000
* Salary: RM800 and above
* Yuran: RM20 per month
* Age: 18 years old and above
* Expired Facility: 60 years old
* Blacklist (CTOS): RM25,000
* Payslip Expiry Date: 30th of the month
* Settlement Letter Expiry Date: At least 14 working days

== Document List ==
# Senarai Semakan Bagi Permohonan
# Borang Permohonan Pembiayaan Tunai Syariah Page 1 - 2
# Borang YYP03
# Surat Waad untuk Pembeli
# Surat Perlantikan Wakil
# Surat Kebenaran Pembayaran
# Notis Serah Hak
# Akuan Berkanun
# Perjanjian Jualan Komoditi
# BPA
# Surat Pengesahan Majikan

== Payslip Expiry Date ==
Payslip will expire every 30th of the subsequent month.

== Allowances ==
=== Accepted List ===
'''Fixed Allowance'''
* Imbuhan Tetap Perkhidmatan Awam
* Imbuhan Perumahan
* Bantuan Sara Hidup
* Elaun Keraian

'''Case by Case Basis'''
* Elaun BI Wilayah
* Elaun Motosikal
* Elaun Menyelam
* Elaun Post Basik
* Elaun Penguat Kuasa

=== Rejected List ===
* Elaun Lebih Masa (OT)
* Imbuhan Tahunan (Bonus)
* Tunggakan (Arrears)
* Elaun Pemangku
* Elaun Tanggungan
* Elaun Jahitan
* Elaun Warden
* gaji bersih bawal rm500 lepas ptg baru (project)
* gaji bersih bawal rm900 (normal)
(This list will be updated from time to time)

== Target Market ==

== Non Target Market ==
* koley vokasional tanjung puteri johor (project case only)
* kementerian pertahanan (project case only)
* hospital attendant

== Factor ==
{| class="wikitable" style="text-align:center"
! YEARS !! MONTH !! FACTOR 5.99% !! FACTOR 4.99%
|-
! 1
| 12 || 11.10 || 11.21
|-
! 2
| 24 || 21.01 || 21.39
|-
! 3
| 36 || 29.92 || 30.70
|-
! 4
| 48 || 37.96 || 39.23
|-
! 5
| 60 || 45.27 || 47.08
|-
! 6
| 72 || 51.93 || 54.32
|-
! 7
| 84 || 58.02 || 61.03
|-
! 8
| 96 || 63.63 || 67.27
|-
! 9
| 108 || 68.79 || 73.07
|-
! 10
| 120 || 73.58 || 78.48
|-
! 11
| 132 || 78.01 || 83.55
|-
! 12
| 144 || 82.14 || 88.30
|-
! 13
| 156 || 85.98 || 92.76
|-
! 14
| 168 || 89.58 || 96.97
|-
! 15
| 180 || 92.95 || 100.93
|-
! 16
| 192 || 96.12 || 104.67
|-
! 17
| 204 || 99.09 || 108.21
|-
! 18
| 216 || 101.90 || 111.56
|-
! 19
| 228 || 104.55 || 114.74
|-
! 20
| 240 || 107.05 || 117.76
|-
! 21
| 252 || 109.42 || 120.64
|-
! 22
| 264 || 111.67 || 123.38
|}

* Available Deduction = (Salary x 60%) - Deduction at Payslip + Redemption (settlement)
* Loan Eligible = Available Deduction x Factor
* In Hand (Permanent) = Loan Eligible x 92% - RM20
* In Hand (Contract) = Loan Eligible x 87% - RM20

== Calculation Sheet & Repayment Table ==
[[Media:RCE-CEF.xls]]

[[Media:RCE-RT.xls]]

RCE - Yayasan

2015-08-26T07:23:19Z

Chew: /* Rejected List */

== Product Features ==
* Location: Whole Malaysia (Sabah & Sarawak - Commission less 1%)
* Interest Rate:
** Permanent-Work > 3 years & salary above RM3800.00 : 4.99%
** Permanent-Work < 3 years & salary below than RM3800.00 : 5.99%
** Contract & Work > 1 year: 7.88% (Kontrak Bersambung)
* Payout:
** Permanent: 92% - RM20
** Contract: 87% - RM20
* Tenure: 1 to 22 years
* Financing Amount: RM1,000 to RM250,000
* Salary: RM800 and above
* Yuran: RM20 per month
* Age: 18 years old and above
* Expired Facility: 60 years old
* Blacklist (CTOS): RM25,000
* Payslip Expiry Date: 30th of the month
* Settlement Letter Expiry Date: At least 14 working days

== Document List ==
# Senarai Semakan Bagi Permohonan
# Borang Permohonan Pembiayaan Tunai Syariah Page 1 - 2
# Borang YYP03
# Surat Waad untuk Pembeli
# Surat Perlantikan Wakil
# Surat Kebenaran Pembayaran
# Notis Serah Hak
# Akuan Berkanun
# Perjanjian Jualan Komoditi
# BPA
# Surat Pengesahan Majikan

== Payslip Expiry Date ==
Payslip will expire every 30th of the subsequent month.

== Allowances ==
=== Accepted List ===
'''Fixed Allowance'''
* Imbuhan Tetap Perkhidmatan Awam
* Imbuhan Perumahan
* Bantuan Sara Hidup
* Elaun Keraian

'''Case by Case Basis'''
* Elaun BI Wilayah
* Elaun Motosikal
* Elaun Menyelam
* Elaun Post Basik
* Elaun Penguat Kuasa

=== Rejected List ===
* Elaun Lebih Masa (OT)
* Imbuhan Tahunan (Bonus)
* Tunggakan (Arrears)
* Elaun Pemangku
* Elaun Tanggungan
* Elaun Jahitan
* Elaun Warden
* gaji bersih bawal rm500 lepas ptg baru (project)
* gaji bersih bawal rm900 (normal)
(This list will be updated from time to time)

== Target Market ==

== Non Target Market ==
* koley vokasional tanjung puteri johor (project case only)
* kementerian pertahanan (project case only)

== Factor ==
{| class="wikitable" style="text-align:center"
! YEARS !! MONTH !! FACTOR 5.99% !! FACTOR 4.99%
|-
! 1
| 12 || 11.10 || 11.21
|-
! 2
| 24 || 21.01 || 21.39
|-
! 3
| 36 || 29.92 || 30.70
|-
! 4
| 48 || 37.96 || 39.23
|-
! 5
| 60 || 45.27 || 47.08
|-
! 6
| 72 || 51.93 || 54.32
|-
! 7
| 84 || 58.02 || 61.03
|-
! 8
| 96 || 63.63 || 67.27
|-
! 9
| 108 || 68.79 || 73.07
|-
! 10
| 120 || 73.58 || 78.48
|-
! 11
| 132 || 78.01 || 83.55
|-
! 12
| 144 || 82.14 || 88.30
|-
! 13
| 156 || 85.98 || 92.76
|-
! 14
| 168 || 89.58 || 96.97
|-
! 15
| 180 || 92.95 || 100.93
|-
! 16
| 192 || 96.12 || 104.67
|-
! 17
| 204 || 99.09 || 108.21
|-
! 18
| 216 || 101.90 || 111.56
|-
! 19
| 228 || 104.55 || 114.74
|-
! 20
| 240 || 107.05 || 117.76
|-
! 21
| 252 || 109.42 || 120.64
|-
! 22
| 264 || 111.67 || 123.38
|}

* Available Deduction = (Salary x 60%) - Deduction at Payslip + Redemption (settlement)
* Loan Eligible = Available Deduction x Factor
* In Hand (Permanent) = Loan Eligible x 92% - RM20
* In Hand (Contract) = Loan Eligible x 87% - RM20

== Calculation Sheet & Repayment Table ==
[[Media:RCE-CEF.xls]]

[[Media:RCE-RT.xls]]

RCE - Yayasan

2015-08-26T07:20:38Z

Chew: /* Non Target Market */

== Product Features ==
* Location: Whole Malaysia (Sabah & Sarawak - Commission less 1%)
* Interest Rate:
** Permanent-Work > 3 years & salary above RM3800.00 : 4.99%
** Permanent-Work < 3 years & salary below than RM3800.00 : 5.99%
** Contract & Work > 1 year: 7.88% (Kontrak Bersambung)
* Payout:
** Permanent: 92% - RM20
** Contract: 87% - RM20
* Tenure: 1 to 22 years
* Financing Amount: RM1,000 to RM250,000
* Salary: RM800 and above
* Yuran: RM20 per month
* Age: 18 years old and above
* Expired Facility: 60 years old
* Blacklist (CTOS): RM25,000
* Payslip Expiry Date: 30th of the month
* Settlement Letter Expiry Date: At least 14 working days

== Document List ==
# Senarai Semakan Bagi Permohonan
# Borang Permohonan Pembiayaan Tunai Syariah Page 1 - 2
# Borang YYP03
# Surat Waad untuk Pembeli
# Surat Perlantikan Wakil
# Surat Kebenaran Pembayaran
# Notis Serah Hak
# Akuan Berkanun
# Perjanjian Jualan Komoditi
# BPA
# Surat Pengesahan Majikan

== Payslip Expiry Date ==
Payslip will expire every 30th of the subsequent month.

== Allowances ==
=== Accepted List ===
'''Fixed Allowance'''
* Imbuhan Tetap Perkhidmatan Awam
* Imbuhan Perumahan
* Bantuan Sara Hidup
* Elaun Keraian

'''Case by Case Basis'''
* Elaun BI Wilayah
* Elaun Motosikal
* Elaun Menyelam
* Elaun Post Basik
* Elaun Penguat Kuasa

=== Rejected List ===
* Elaun Lebih Masa (OT)
* Imbuhan Tahunan (Bonus)
* Tunggakan (Arrears)
* Elaun Pemangku
* Elaun Tanggungan
* Elaun Jahitan
* Elaun Warden
(This list will be updated from time to time)

== Target Market ==

== Non Target Market ==
* koley vokasional tanjung puteri johor (project case only)
* kementerian pertahanan (project case only)

== Factor ==
{| class="wikitable" style="text-align:center"
! YEARS !! MONTH !! FACTOR 5.99% !! FACTOR 4.99%
|-
! 1
| 12 || 11.10 || 11.21
|-
! 2
| 24 || 21.01 || 21.39
|-
! 3
| 36 || 29.92 || 30.70
|-
! 4
| 48 || 37.96 || 39.23
|-
! 5
| 60 || 45.27 || 47.08
|-
! 6
| 72 || 51.93 || 54.32
|-
! 7
| 84 || 58.02 || 61.03
|-
! 8
| 96 || 63.63 || 67.27
|-
! 9
| 108 || 68.79 || 73.07
|-
! 10
| 120 || 73.58 || 78.48
|-
! 11
| 132 || 78.01 || 83.55
|-
! 12
| 144 || 82.14 || 88.30
|-
! 13
| 156 || 85.98 || 92.76
|-
! 14
| 168 || 89.58 || 96.97
|-
! 15
| 180 || 92.95 || 100.93
|-
! 16
| 192 || 96.12 || 104.67
|-
! 17
| 204 || 99.09 || 108.21
|-
! 18
| 216 || 101.90 || 111.56
|-
! 19
| 228 || 104.55 || 114.74
|-
! 20
| 240 || 107.05 || 117.76
|-
! 21
| 252 || 109.42 || 120.64
|-
! 22
| 264 || 111.67 || 123.38
|}

* Available Deduction = (Salary x 60%) - Deduction at Payslip + Redemption (settlement)
* Loan Eligible = Available Deduction x Factor
* In Hand (Permanent) = Loan Eligible x 92% - RM20
* In Hand (Contract) = Loan Eligible x 87% - RM20

== Calculation Sheet & Repayment Table ==
[[Media:RCE-CEF.xls]]

[[Media:RCE-RT.xls]]

RHB - IDSB AG

2015-08-01T15:05:23Z

Chew: /* Product Features */

== Product Features ==
* Location:Whole Malaysia
* Interest Rate Scheme (AG)
** 3.88%
* Payout: 98% (approximately)
* Tenure:Min 2 - 10 years
* Finance:Min RM2,000 to RM200,000
* Salary:RM2000.00 and above
* Age:18 - 57 years
* Work:1 year & above
* Tat:2 weeks
* CTOS: Must be cleared / or can do overlapping.
* CCRIS: Arrears must not be more than 2 months, if 3 months and above please provide settlement statement for bank to settle.
* DSR @ COMMITMENT :gaji + elaun + lain lain income jumlah bawal 3k x60%,jika jumlah lebih 3K x90%
** salary RM2,000-RM2,999 akan dikira 60%
** salary RM3,000 and above akan dikira 90%
* For more details, pls click below:
**Criteria : [[Media:RHB-IDSB.pdf]]
** New Criteria : [[Media:newRHB-IDSB.pdf]]

== Special Remarks ==
* 10-6-2015 -new target market for IDSB:
#UNIVERSITI MALAYA (UM)
#UNIVERSITI PENDIDIKAN SULTAN IDRIS (UPSI)
#UNIVERSITI SAINS ISLAM MALAYSIA (USIM)
#MAJLIS AMANAH RAKYAT (MARA

== Payslip expiry date ==
Payslip will expire every 5th. Example:

* February payslip will expire on the 5th April.
* March payslip will expire on the 5th May

== Application Forms Download ==
* print 1 set
**[[Media:New-Checklist-IDSB-Forms.pdf]]
**[[Media:Borang-Permohonan-IDSB.pdf]]
**[[Media:Borang-Kebenaran-Pemotongan-Pembayaran-IDSB.pdf]]
**[[Media:Borang-Maklumat-Produk-New.pdf]]
**[[Media:Borang-Shariah-Compliance-Checklist.pdf]]
**[[Media:Borang-Self-Declaration.pdf]]
**[[Media:Borang-CRA-Consent-Declaration.pdf]]
**[[Media:Borang-Customer-Consent.pdf]]
**[[Media:Borang-Akuan-Kebenaran-Potongan-Gaji.pdf]]

* must print 2 sets & print front back
[[Media:NEW-ApplicationIDSB-Forms-LO-BM-VERSION.pdf]]

[[Media:NEW-ApplicationIDSB-Forms-LO-ENG-VERSION.pdf]]

- '''CHOOSE EITHER BM / ENG VERSION'''

* additional new form -Credit Rating Agencies (CRA) -Print 1 copy
[[Media:ApplicationIDSB-Forms-Credit-Rating.pdf]]

== Calculation Sheet ==
[[Media:RHBIDSB-CEF-new.xls]]

[[Media:RHBIDSB-Takaful-Calculator.xls]]

== Rejection Code In Rhb System ==
[[Media:Reject-Code.xls]]

RHB - MBSB

2015-07-09T04:00:35Z

Chew: /* Accepted and Rejected List */

== Product Features ==
* Location:Whole Malaysia
* Interest Rate Scheme -MBSB(AG,FEDERAL,STATES,POLICE)
**4.20%
* Payout: 98% (approximately)
* Tenure:Min 2 - 10 years
* Finance:Min RM2,000 to RM200,000
* Tat:2 weeks
* CTOS: Must be cleared / or can do overlapping.
* CCRIS: Arrears must not be more than 2 months, if 3 months and above please provide settlement statement for bank to settle.
* DSR @ COMMITMENT :
** salary RM2,000-RM2,999 akan dikira 60%
** salary RM3,000 and above akan dikira 90%
* For more details, pls click below:
**Criteria : [[Media:RHB-MBSB.pdf]]

== Primary Market ==
* Salary:RM1500.00 and above
* Age:18 - 57 years
* Work:1 year & above
== Secondary Market ==
* Salary:RM3000.00 and above
* Age:18 - 57 years
* Work:3 years & above

== Accepted and Rejected List ==
[[Media:TM-and-NonTM-rhb-mbsblisting.xls]]
* ACCEPT UNIVERSITI MULTIMEDIA

== Payslip expiry date ==
Payslip will expire every 5th. Example:

* February payslip will expire on the 5th April.
* March payslip will expire on the 5th May

== Application Forms Download ==
* print 1 set
**[[Media:New-Checklist-MBSB-Forms.pdf]]
**[[Media:Borang-Permohonan-MBSB.pdf]]
**[[Media:Borang-Kebenaran-Pemotongan-Pembayaran-MBSB.pdf]]
**[[Media:Borang-Maklumat-Produk-MBSB.pdf]]
**[[Media:Borang-Shariah-Compliance-Checklist-MBSB.pdf]]
**[[Media:Borang-Self-Declaration-MBSB.pdf]]
**[[Media:Borang-CRA-Consent-Declaration-MBSB.pdf]]
**[[Media:Borang-Customer-Consent-MBSB.pdf]]

* must print 2 sets & print front back
[[Media:NEW-ApplicationMBSB-Forms-LO-BM-VERSION.pdf]]

[[Media:NEW-ApplicationMBSB-Forms-LO-ENG-VERSION.pdf]]

- '''CHOOSE EITHER BM / ENG VERSION'''

== Calculation Sheet ==
[[Media:RHBMBSB-CEF.xls]]

[[Media:RHBMBSB-Takaful-Calculator.xls]]

== Rejection Code in Rhb System ==
[[Media:Reject-Code.xls]]

Ukhwah - MBB

2015-07-03T11:54:34Z

Chew: /* Accepted and Rejected List */

Ukhwah - MBB

2015-06-26T04:24:52Z

Chew: /* Product Features */

Ukhwah - MBB

2015-06-26T04:23:32Z

Chew: /* Product Features */