From Internal
Product Features
| 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
|
- 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 | 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
