Kowamas - Maybank

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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 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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