From Internal
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 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)
Document List
- Kobeta Agreement (Page 1 - 14)
- BPA - 1 copy
- Photocopy of IC (disahkan majikan) - 2 copies
- Payslip original - 1 copy
- Payslip photocopy (disahkan majikan) (3 copies) for 3 months
- Pengesahan Jawatan
- Bank Account copy (disahkan majikan)
- Settlement statement (if any)
- 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