Kowamas - Maybank

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== Factor ==
== Factor ==
 +
 +
{| class="wikitable" style="text-align:center"
 +
! Years !! Month !! Factor
 +
|-
 +
! 2
 +
| 24 || 19.61
 +
! 2
 +
| 24 || 19.61
 +
|-
 +
! 3
 +
| 36 || 28.99
 +
|-
 +
! 4
 +
| 48 || 37.60
 +
|-
 +
! 5
 +
| 60 || 45.51
 +
|-
 +
! 6
 +
| 72 || 52.81
 +
|-
 +
! 7
 +
| 84 || 59.58
 +
|-
 +
! 8
 +
| 96 || 65.86
 +
|-
 +
! 9
 +
| 108 || 71.71
 +
|-
 +
! 10
 +
| 120 || 77.18
 +
|-
 +
! 11
 +
| 132 || 82.28
 +
|-
 +
! 12
 +
| 144 || 87.08
 +
|-
 +
! 13
 +
| 156 || 91.58
 +
|-
 +
! 14
 +
| 168 || 95.81
 +
|-
 +
! 15
 +
| 180 || 99.81
 +
|-
 +
! 16
 +
| 192 || 103.58
 +
|-
 +
! 17
 +
| 204 || 107.15
 +
|-
 +
! 18
 +
| 216 || 110.53
 +
|-
 +
! 19
 +
| 228 || 113.74
 +
|-
 +
! 20
 +
| 240 || 116.78
 +
|}
 +
 +
* LOAN ELIGIBLE = DEDUCTION x FACTOR
 +
* IN HAND = LOAN ELIGIBLE x 100%

Revision as of 15:06, 11 January 2012

Product Features

  • Interest Rate & Payout:
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 - 10 5.20% 95% -SAHAM(RM200.00) - FEE(RM50) - DUTI SETEM(RM10) - PROSES(RM100.00) - YURAN 6 BULAN(RM180) - 1 MONTH INSTALLMENT
11 - 15 5.60% 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
  • Finance: Min RM3,000 to RM200,000
  • Salary: RM1,000 and above only
  1. RM1,500(termasuk elaun tetap;untuk Kakitangan Pharmaniaga Logistics Berhad dan anak syarikatnya sahaja)
  • Age: 19 years and above
  • Expired Facility: 58 years old
  • Eligible Criteria:
    • Tetap
    • 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
  • Yuran: 30
  • CTOS: Setiap satu akaun CTOS tidak melebihi RM25,000 dengan jumlah keseluruhan tidak melebihi RM50,000

Factor

Years Month Factor
2 24 19.61 2 24 19.61
3 36 28.99
4 48 37.60
5 60 45.51
6 72 52.81
7 84 59.58
8 96 65.86
9 108 71.71
10 120 77.18
11 132 82.28
12 144 87.08
13 156 91.58
14 168 95.81
15 180 99.81
16 192 103.58
17 204 107.15
18 216 110.53
19 228 113.74
20 240 116.78
  • LOAN ELIGIBLE = DEDUCTION x FACTOR
  • IN HAND = LOAN ELIGIBLE x 100%
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