Kobeta - Bank Rakyat

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Contents

Product Features PERMANENT

  • Location: Whole Malaysia
  • Employment Status: 6 Months and Above.
  • Interest Rate:
    • Tenure 2 to 20 YRS  : 5.99%
  • Payout: 92.5% - RM840 - 2 months installment
  • Tenure: Min 1 year - Max 20 years
  • Finance: Min RM1,000 to RM250,000
  • Salary: RM700 and above only
  • Age: 19 years and above
  • Expired Facility: 58 years old(with opsyen letter)
  • Yuran: RM30
  • CTOS: No Limit(Case by case basis)
  • TAT: 2 - 3 Weeks

Product Features CONTRACT

  • Location: Whole Malaysia
  • Employment Status: 2 years and Above.
  • Interest Rate: Tenure 2 to 5 YRS  : 6.99%
  • Payout: 92.5% - RM840 - 2 months installment
  • Tenure: Min 1 year - Max 5 Years
  • Finance: Min RM2,000 to RM20,000 atau 20x gaji
  • Salary: RM1000 and above only
  • Age: 19 years and above
  • Expired Facility: 57 years old
  • Yuran: RM30
  • CTOS: $30k and below, if $30k and above must get special approval, the Interest will be 6.99%.
  • TAT: 2 - 3 Weeks

Opsyen Calculation

  • Expired Facility in opsyen 58 years old.
    • Example : 2011 - 1965 = 46
    • Take 58 - 1 year - 46 = 11 years.
    • This customer is eligible for 11 years only.

Important Notes

    • Ctos Cases
  • CTOS hit more than RM30k, TAT more than 3 weeks.
  • Credit card can not be more than RM30K
  • Housing loan can not be more than RM200K
  • Personal loan can not be more than RM100K,
  • Ctos Bank Rakyat must be settle(compulsory)
    • Bankcruptcy
  • Rate :6.99%
  • Pay Out :88%

Document List

  1. Kobeta Agreement (Page 1 - 14)
  2. BPA - 1 copy
  3. Photocopy of IC (disahkan majikan) - 2 copies
  4. Payslip original - 1 copy
  5. Payslip photocopy (disahkan majikan) (3 copies) for 3 months
  6. Pengesahan Jawatan
  7. Bank Account copy (disahkan majikan)
  8. Settlement statement (if any)
  9. Opsyen Letter (if any)

Target Market

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

Expired Date of Payslip

Payslip will expire every 13th of the subsequent month, example:

  • February payslip will expire on the 13th April
  • March payslip will expire on the 13th May

Factor

YEARS MONTH FACTOR
1 12 11
2 24 21
3 36 30
4 48 38
5 60 46
6 72 52
7 84 59
8 96 64
9 108 69
10 120 74
11 132 79
12 144 83
13 156 87
14 168 91
15 180 94
16 192 97
17 204 100
18 216 103
19 228 106
20 240 108
  • LOAN ELIGIBLE = Gross Salary x (60%/50%/40%) - all deduction - RM30 x factor
  • IN HAND = LOAN ELIGIBLE X 92.5% - RM840
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