Kobeta - Bank Rakyat

From Internal

Contents 1 Product Features PERMANENT 2 Product Features CONTRACT 3 Opsyen Calculation 4 Important Notes 5 Document List 6 Target Market 7 Expired Date of Payslip 8 Factor

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