KELEBIHAN PINJAMAN KOBETA
- Gaji Minima RM800 dan berkhidmat 6 bulan keatas
- Status Kerja Tetap, Kontrak Guru KAFA (Selangor) and KEMAS Sahaja.
- Pinjaman maksima sehingga RM250,000
- Proces dalam 14 Hari Kerja. Jika Blacklist 3 Minggu
- Tempoh bayaran balik sehingga 20 tahun
- Kadar keuntungan adalah untuk 20 tahun adalah 5.99% setahun
- Blacklist layak selagi hutang tidak boleh melebihi RM100,000. lebih dari RM30,000 faedah 6.99%
- Payout 91%
- Untuk kakitangan kerajaan dan badan berkanun sahaja. Potongan Gaji Biro Angkasa
- Jika Blacklist / CTOS Bank Rakyat kena Setel atau Tidak Layak
Product Features
- Location: Whole Malaysia
- Employment Status: 6 Months and Above
- Interest 5.99 2 to 20 years
- Payout: 92.5% - RM840 - 2 months installment
- Tenure: Min 1 year - Max 20 years
- Finance: Min RM2,000 to RM250,000
- Salary: RM700 and above only
- Age: 19 years and above
- Expired Facility: 60 years old(with opsyen letter + pengesahan jawatan letter head majikan yang menyatakan bersara wajib 60tahun)
- Yuran: RM30
- CTOS: No Limit(Case by case basis)
- 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
- 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)
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