Kowamas - Maybank

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== Product Features ==
== Product Features ==
 +
*Criteria : [[Media:KOWAMAS.pdf]]
* Interest Rate & Payout:
* Interest Rate & Payout:
{| class="wikitable" style="text-align:center"
{| class="wikitable" style="text-align:center"
Line 7: Line 8:
| 4.99% || 95% -SAHAM(RM200.00) - FEE(RM50) - DUTI SETEM(RM10) - PROSES(RM100.00) - YURAN 6 BULAN(RM180) - 1 MONTH INSTALLMENT   
| 4.99% || 95% -SAHAM(RM200.00) - FEE(RM50) - DUTI SETEM(RM10) - PROSES(RM100.00) - YURAN 6 BULAN(RM180) - 1 MONTH INSTALLMENT   
|-
|-
-
! 3 - 10
+
! 3 - 5
| 5.20% || 95% -SAHAM(RM200.00) - FEE(RM50) - DUTI SETEM(RM10) - PROSES(RM100.00) - YURAN 6 BULAN(RM180) - 1 MONTH INSTALLMENT
| 5.20% || 95% -SAHAM(RM200.00) - FEE(RM50) - DUTI SETEM(RM10) - PROSES(RM100.00) - YURAN 6 BULAN(RM180) - 1 MONTH INSTALLMENT
|-
|-
-
! 11 - 15
+
! 6 - 10
-
| 5.60% || 94% -SAHAM(RM200.00) - FEE(RM50) - DUTI SETEM(RM10) - PROSES(RM100.00) - YURAN 6 BULAN(RM180) - 1 MONTH INSTALLMENT
+
| 5.20% || 94% -SAHAM(RM200.00) - FEE(RM50) - DUTI SETEM(RM10) - PROSES(RM100.00) - YURAN 6 BULAN(RM180) - 1 MONTH INSTALLMENT
|-
|-
-
! 16 - 20
 
-
| 5.60% || 93% -SAHAM(RM200.00) - FEE(RM50) - DUTI SETEM(RM10) - PROSES(RM100.00) - YURAN 6 BULAN(RM180) - 1 MONTH INSTALLMENT
 
-
|}
 
-
* Tenure: Min 1 years - Max 20 years
+
* Tenure: Min 2 years - Max 10 years
* Finance: Min RM3,000 to RM200,000
* Finance: Min RM3,000 to RM200,000
-
* Salary: RM1,000 and above only
+
* Salary: RM1,500 and above only
-
#        RM1,500(termasuk elaun tetap;untuk Kakitangan Pharmaniaga Logistics Berhad dan anak syarikatnya sahaja)
+
* Age: 18 years and above
-
* Age: 19 years and above
+
* Expired Facility: 58 years old
* Expired Facility: 58 years old
* Eligible Criteria:  
* Eligible Criteria:  
** Tetap
** Tetap
** Tetap dalam Percubaan (Kakitangan Kerajaan Sahaja)
** Tetap dalam Percubaan (Kakitangan Kerajaan Sahaja)
-
** Jawatan Kontrak (REJECT)- Kecuali guru tabika (kemas) mesti bekerja 5 tahun ke atas dan had pinjaman 15 tahun sahaja
+
** Tempoh Perkhidmatan Minima :3 Tahun
* Yuran: 30
* Yuran: 30
-
* CTOS: Setiap satu akaun CTOS tidak melebihi RM25,000 dengan jumlah keseluruhan tidak melebihi RM50,000
+
* CTOS: Setiap satu akaun CTOS tidak melebihi RM30,000 dengan jumlah keseluruhan tidak melebihi RM50,000
 +
 
 +
== Calculation Sheet & Repayment Table ==
 +
* [[Media:KOWAMAS-mBB-CEF.xls]]
 +
 
 +
== Target and Non-Target Market ==
 +
 
 +
[[Media:TM-and-NonTM-KOwamasMbb-listing.pdf]]
== Factor ==
== Factor ==
Line 42: Line 46:
|-
|-
! 3
! 3
-
| 36 || 28.99
+
| 36 || 119.50% || 5.20%
|-
|-
! 4
! 4
-
| 48 || 37.60
+
| 48 || 126.00% || 5.20%
|-
|-
! 5
! 5
-
| 60 || 45.51
+
| 60 || 132.50% || 5.20%
|-
|-
! 6
! 6
-
| 72 || 52.81
+
| 72 || 139.00% || 5.20%
|-
|-
! 7
! 7
-
| 84 || 59.58
+
| 84 || 145.50% || 5.20%
|-
|-
! 8
! 8
-
| 96 || 65.86
+
| 96 || 152.00% || 5.20%
|-
|-
! 9
! 9
-
| 108 || 71.71
+
| 108 || 158.50% || 5.20%
|-
|-
! 10
! 10
-
| 120 || 77.18
+
| 120 || 165.00% || 5.20%
|-
|-
! 11
! 11
-
| 132 || 82.28
+
| 132 || 171.50% || 5.40%
|-
|-
! 12
! 12
-
| 144 || 87.08
+
| 144 || 178.00% || 5.40%
|-
|-
! 13
! 13
-
| 156 || 91.58
+
| 156 || 184.50% || 5.40%
|-
|-
! 14
! 14
-
| 168 || 95.81
+
| 168 || 191.00% || 5.40%
|-
|-
! 15
! 15
-
| 180 || 99.81
+
| 180 || 197.50% || 5.40%
|-
|-
! 16
! 16
-
| 192 || 103.58
+
| 192 || 204.00% || 5.60%
|-
|-
! 17
! 17
-
| 204 || 107.15
+
| 204 || 210.50% || 5.60%
|-
|-
! 18
! 18
-
| 216 || 110.53
+
| 216 || 217.00% || 5.60%
|-
|-
! 19
! 19
-
| 228 || 113.74
+
| 228 || 223.50% || 5.60%
|-
|-
! 20
! 20
-
| 240 || 116.78
+
| 240 || 230.00% || 5.60%
|}
|}
-
* LOAN ELIGIBLE = DEDUCTION x FACTOR
+
* LOAN ELIGIBLE = DEDUCTION x MONTH / Factor
-
* IN HAND = LOAN ELIGIBLE x 100%
+

Latest revision as of 09:13, 1 April 2015

Contents

Product Features

  • Tenure: Min 2 years - Max 10 years
  • Finance: Min RM3,000 to RM200,000
  • Salary: RM1,500 and above only
  • Age: 18 years and above
  • Expired Facility: 58 years old
  • Eligible Criteria:
    • Tetap
    • Tetap dalam Percubaan (Kakitangan Kerajaan Sahaja)
    • Tempoh Perkhidmatan Minima :3 Tahun
  • Yuran: 30
  • CTOS: Setiap satu akaun CTOS tidak melebihi RM30,000 dengan jumlah keseluruhan tidak melebihi RM50,000

Calculation Sheet & Repayment Table

Target and Non-Target Market

Media:TM-and-NonTM-KOwamasMbb-listing.pdf

Factor

Years Rate Payout
1 - 2 4.99% 95% -SAHAM(RM200.00) - FEE(RM50) - DUTI SETEM(RM10) - PROSES(RM100.00) - YURAN 6 BULAN(RM180) - 1 MONTH INSTALLMENT
3 - 5 5.20% 95% -SAHAM(RM200.00) - FEE(RM50) - DUTI SETEM(RM10) - PROSES(RM100.00) - YURAN 6 BULAN(RM180) - 1 MONTH INSTALLMENT
6 - 10 5.20% 94% -SAHAM(RM200.00) - FEE(RM50) - DUTI SETEM(RM10) - PROSES(RM100.00) - YURAN 6 BULAN(RM180) - 1 MONTH INSTALLMENT
Years Month Factor Rate
1 12 106.50% 4.99%
2 24 113.00% 4.99%
3 36 119.50% 5.20%
4 48 126.00% 5.20%
5 60 132.50% 5.20%
6 72 139.00% 5.20%
7 84 145.50% 5.20%
8 96 152.00% 5.20%
9 108 158.50% 5.20%
10 120 165.00% 5.20%
11 132 171.50% 5.40%
12 144 178.00% 5.40%
13 156 184.50% 5.40%
14 168 191.00% 5.40%
15 180 197.50% 5.40%
16 192 204.00% 5.60%
17 204 210.50% 5.60%
18 216 217.00% 5.60%
19 228 223.50% 5.60%
20 240 230.00% 5.60%
  • LOAN ELIGIBLE = DEDUCTION x MONTH / Factor
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