Koputri

From Internal

Contents 1 Product Features PERMANENT 2 Product Features CONTRACT 3 Opsyen Calculation 4 Document List 5 Target Market 6 GLC Target Market List 7 Factor Koputri 6.99%-94.5%

Product Features PERMANENT

• Location : Whole Malaysia
• Employment Status: 6 Months and Above.
• Interest Rate:
  • Tenure 1 to 2 YRS  : 4.99%
  • Tenure 3 to 20 YRS  : 5.99%

• Payout: 94.5% - 3 months installment - RM340.00
• Tenure: Min 1 year - Max 20 years
• Finance: Min RM1,000 to RM250,000
• Salary: RM600 and above only
• Age: 18 years and above
• Expired Facility: 58 years old(with opsyen letter)
• Yuran: RM30
• CTOS: $30k and below
• TAT: 2 - 3 Weeks
• Tenure: 20 years
• Koop Charges : RM340
• Important Notes:
  • It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer(LETTERHEAD).

Product Features CONTRACT

• With BPA Deduction
  • Location : Whole Malaysia
  • Employment Status: Customer need to work at least 6 months.
  • Finance: Min RM2,000 to RM20,000
  • Tenure: Min 1 year - Max 5 Years
  • Interest Rate: Min Tenure 1 to 5 YRS  : 6.99%
  • Payout: 94.5% - RM440.00 - 2 months installment
  • Expired Facility: 58 years old
  • Salary: RM1,000 and above only
  • Age: 18 years and above
  • Yuran: RM30
  • CTOS: Borrower: $30k and below, Guarantor : No Limit
  • TAT: 2 - 3 Weeks
  • Employment Status : Admin and above position only.(Work in Office)

• Without BPA Deduction
  • Location : Whole Malaysia
  • Employment Status: Customer needs to at leaast renew contract once.
  • Finance: Min RM2,000 to RM20,000
  • Tenure: Min 1 year - Max 5 Years
  • Interest Rate: Min Tenure 1 to 5 YRS  : 6.99%
  • Payout: 94.5% - RM440.00 - 2 months installment
  • Expired Facility: 58 years old
  • Salary: RM1,000 and above only
  • Age: 18 years and above
  • Yuran: RM30
  • CTOS: Borrower: $30k and below, Guarantor : No Limit
  • TAT: 2 - 3 Weeks
  • Employment Status : Admin and above position only.(Work in Office)
  • Important Notes:
    • Contract Staffs MUST provide letter from Employer to allow angkasa deduction.
    • It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer(LETTERHEAD).

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.

Document List

1. Koputri Agreement(Page 1 - 14)
2. BPA - 2 copies
3. Photocopy of IC(disahkan majikan) - 2 copies
4. Payslip original - 1 copy
5. Payslip photocopy(disahkan majikan)(3 copies) for 3 months
6. Pengesahan Jawatan(It is COMPULSORY to attach PENGESAHAN JAWATAN in detail from employer(LETTERHEAD).)
7. Bank Account copy
8. Settlement statement(if any)
9. Opsyen Letter(if any)

Target Market

• All Government employee
• Refer to Msssb System > Department Report for more information

GLC Target Market List

1. Felda Holdings Berhad
2. Malaysia Debt Ventures Berhad
3. Mardec Berhad
4. Padi Beras Nasional Berhad
5. Pengurusan Danaharta Nasional Berhad
6. Perbadanan Nasional Berhad
7. Permodalan Nasional Berhad
8. Petroliam Nasional Berhad (Petronas)
9. UDA Holdings Berhad
10. Malaysia Airport Holdings Berhad
11. Khazanah Nasional Berhad
12. National Aerospace & Defence Industries Berhad
13. Mimos Berhad
14. Sirim Berhad
15. Felcra Berhad
16. Institut Terjemahan Negara Malaysia Berhad
17. Pengurusan Aset Air Berhad
18. Percetakan Nasional Malaysia Berhad
19. POS Malaysia Berhad
20. Radio Televisyen Malaysia Berhad
21. TELEKOM Malaysia Berhad
22. Tenaga Nasional Berhad

Factor Koputri 6.99%-94.5%

YEARS ..MONTH.. FACTOR

• 1...........12...........11
• 2...........24...........22
• 3...........36...........30
• 4...........48...........38
• 5...........60...........46
• 6...........72...........52
• 7...........84...........59
• 8...........96...........64
• 9...........108..........69
• 10..........120..........74
• 11..........132..........79
• 12..........144..........83
• 13..........156..........87
• 14..........168..........91
• 15..........180..........94
• 16..........192..........97
• 17..........204..........100
• 18..........216..........103
• 19..........228..........106
• 20..........240..........108

• LOAN ELIGIBLE = Gross Salary * (60%/50%/40%) - all deduction - RM30 x factor
• IN HAND = LOAN ELIGIBLE X 94.5% - RM440 - 2 month installment