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ငွေချေးငှားခြင်း မူဝါဒ

ငွေချေးငှားခြင်း မူဝါဒ

Online Trading Rate

Currency

Buy

Sell

USD

3593

3603

CNY

541

542.60

THB

130.30

130.60

Date: 17/1/2025

ချေးငွေချေးငှားရန် လက်ခံနိုင်ပြီး လုပ်ငန်းသစ်ချဲ့ထွင်ခြင်းဖြစ်စေ၊ ရင်းနှီးမြုပ်နှံမှုပြုလုပ်ရာတွင်ဖြစ်စေ အမှန်တစ်ကယ် ငွေကြေးလိုအပ်ချက်များရှိသည့် Customer များအတွက်ရည်ရွယ်၍ ဘဏ်မှ ငွေချေးငှားခြင်း မူဝါဒ နှင့် Customer လက်ခံမှု မူဝါဒများကို ချမှတ်ခဲ့သည်။

လက်ခံနိုင်ခြင်းရှိသည့် လုပ်ငန်းအမျိုးအစားများ

  • လူသုံးကုန်ပစ္စည်းနှင့် အကြမ်းထည်ထုတ်လုပ်ရေး
  • ကုန်ချောပစ္စည်းများထုတ်လုပ်ရေး
  • ဆောက်လုပ်ရေးနှင့် အင်ဂျင်နီယာ စက်မှုလက်မှုလုပ်ငန်း
  • ပို့ဆောင်ရေးလုပ်ငန်း
  • သွင်းကုန်၊ ထုတ်ကုန် အပါအဝင် အခြားကုန်ပစ္စည်းဖြန့်ဖြူးခြင်းနှင့် ရောင်းချခြင်း
  • အခြားဝန်ဆောင်မှုလုပ်ငန်းများ

Requirements

Loan

Requirements of Individual Customer

  • A copy of NRC
  • A copy of the household list
  • Ward Recommendation (if, single)
    • Business License, Registration
    • Most recent audited financial statements for the company owned or licensed (3 years)
    • Tax (3 years)
    • YCDC Tax
    • Collateral Agreements
      1. Property Ownership History
      2. 105/106
    • Photo of a Business Operation
    • Photo of collateral (all dimensions)
    • the applicant’s name and signature – at the back of all photos

Requirement of Company

  • Company Documents from DICA
    1. Company Profile 
    2. Filing History
    3. Address
    4. Officers
    5. Shareholdings
    6. Company Authority
    7. Members 
    8. Documents
      1. Copy of Officers’ ID’s
      2. Company Constitution
      3. Certificate of Incorporation
  • Export/Import License
  • Export/Import Invoices
  • Meeting Minute
  • Responsible Directors (2 people)
  • Loan Agreement with MAB
  • Current Account at the branch
  • Agreement to provide property as collateral under the director’s
  • Directors’ NRCs
  • Directors’ household lists
  • Ward Recommendation(if, single)
  • Most recent audited financial statements for the company owned or company license (3 years)
  • Tax (3 years)
  • YCDC Tax
  • Collateral Agreements
  • Property Ownership History
  • 105/106
  • Photo of Business Operation
  • Photo of collateral (all dimensions)
  • the applicant’s name and signature – at the back of all photos

Hire Purchase & Auto Finance 

For customer requirements,

    • A copy of the NRC, a copy of the household list
    • * A recommendation letter from the ward/village administration
    • A recommendation letter from the police station

For salaried applicants,

  • * Letter of employment or contract (must show employment date, designation, salary and confirmation of employment)
  • Pay slips/bank statements for 3 months
  • Tax payment slips for 3 months

For Self-employed/Company,

  • * Company Documents from DICA
      1. Company Profile 
      2. Filing History
      3. Address
      4. Officers
      5. Shareholdings
      6. Company Authority
      7. Members 
      8. Documents
        1. Copy of Officers ID’s
        2. Company Constitution
        3. Certificate of Incorporation
    1. Other Sources of Income
    2. * The most recent audited financial statements for the company owned or licensed.
    3. * Bank Statements for 3 months
    4. * Tax payment slips for 3 years
    5. * Board of Directors Resolution (All directors must sign for the initial)
      • All directors agreed to buy the mentioned products with the Hire Purchase/Auto Finance program from Myanma Apex Bank.
      • In case, there is some issue or default regarding the HP/Auto Fiance, the company will take full responsibility for it.

For 2 Guarantors

  • * A copy of the guarantor’s NRC
  • * A copy of the household list of the guarantor
  • * A recommendation letter from the ward/village administration
  • A recommendation letter from the police station

* For Dealer

  • Performa Invoice
  • Sale Contract
  • Import Permit/License (if the vehicle is imported) 
  • Delivery Order 
  • 2 set of product photos (All dimensions)

For other informations 

  • The installment payment shall be deposited to the buyer’s current account.
  • 2 copies of documents need to be submitted

“*” Mandatory Documents

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Auto Finance

Feature/Benefit

  • Customer can be borrowed at least 70% of total cost.
  • Customer can be borrowed up to 60 months.
  • Equal Monthly Installment
  • Convenience & Fast process

Eligibility

Eligible Borrowers

  • Myanmar citizen who has a reasonable regular income.
  • Applicant must be between 24 to 55 years old at the time of application.
  • The joint applicant must be the applicant’s spouse, sibling, or parent.
  • The guarantor must be Myanmar citizen who is a spouse, sibling, parent, or colleague.

Eligible products

  • Automobiles and motorbikes.
  • Heavy machinery.
  • Agricultural machineries.
  • Medical equipment.

Fee & charges

No

Particular

Loan
1 Interest 10%
2 Service Charge (one time only) 1%
3 Default Fee 13%
4 Processing Fee 5,000 MMK
5 Late Fee 1,000 MMK
6 Early Repayment Fees 3% on remaining principal

Manage your A/C

The bank will provide a repayment schedule before disbursement. You will be able make loan repayment via the following channels: MAB Branches (Nationwide), MAB mobile banking, iBanking or agency banking.

FAQS

MAB auto loan is where MAB supports the customers to purchase vehicles without paying the total selling price in one lump.

MAB allows you to purchase from various brand new cars from our authorized dealers.

You must be a Myanmar nationality, between age 18-55 years old. For more information, please contact to Call Center (+95) 18610612 or email to [email protected].

Yes, it is but it depends on the customer’s documents requirement. (Final decision made by MAB will be validate.)

We provide multiple channels for your loan repayment.

  • MAB Branches
  • MAB mobile banking
  • MAB ibanking
  • MAB Agency Banking

Bank will inform the customer within 10 working days whether it is approved or rejected.
However, according to the customer’s completed documents submission, the loan approval date may be deferred.

(Customer Requirements)

  1. A copy of NRC, A copy of household list
  2. Letter of employment or contract (must show employed date, designation, salary and confirmation of employment)
  3. Pay slips/bank statement for 3 months
  4. Tax payment slips for 3 months
  5. Company Documents from DICA
    • Company Profile
    • Filing History
    • Address
    • Officers
    • Shareholdings
    • Company Authority
    • Members
    • Documents
      • Copy of Officers ID’s
      • Company Constitution
      • Certificate of Incorporation
  6. Other Source of Income
  7. Most recent audited financial statements for the company owned or company license
  8.  Bank Statements for 3 Months
  9. Tax payment slips for 3 years
  10. BOD Resolution (All directors need to sign for initial)

In case, there is some issue or default regarding the HP/AF Finance, company will take full responsible for it.

For 2 Guarantors

  • A copy of NRC of guarantor
  • A copy of household list of guarantor

Note: “*’’ Mandatory Documents.

Once the customer has paid full repayment (Principal + Interest) to MAB Bank, the customer will get the ownership book.

Yes, an early repayment fee of 1% is applicable on the repaid principal.

Yes, there are late payment fee and penalty fee and overdue amount will be charged by MAB.

  • Quick and Smooth Process
  • Fixed Monthly Installment Plan
  • Tenor up to 5 Years
  • Minimum Down Payment 30%
Type of Cars Down Payment Tenor Interest Rate
Brand New 30% 5 Years 10%

MAB only allows to apply Auto Finance Loan from our authorized dealers.

The customer should apply auto finance loan via MAB branches or authorized dealers.

The customer can check the status of Auto Finance Loan application by calling the MAB branches where they have submitted their loan application.

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Hire Purchase (HP)

Feature/Benefit

  • A Customer can borrow for up to 36 months.
  • A Customer can negotiate the payment term based on their cash flow.

Eligibility

Eligible Borrowers

  • Myanmar citizens who have a reasonable income.
  • An applicant must be between 18 years old and 55 years old at the time of application.
  • A joint applicant must be the applicant’s spouse, sibling, or parent.
  • A guarantor must be a Myanmar citizen who is a spouse, sibling, parent, or colleague.

Eligible products for Hire Purchase

  • Computers and electronics
  • Cell phones
  • Automobiles and motorbikes
  • Heavy machinery
  • Agricultural machinery
  • Medical equipment

Fee & charges

No

Particular

1 year

2 years

3 years
1 Interest 7.5% 12.5% 17.5%
2 Service Charge (one time only) 1%
3 Default Fee 13%
4 Processing Fee  5,000 MMK
5  Late Fee  1,000 MMK

Manage your A/C

Your monthly repayment due date is the disbursement date of the following month. The bank will provide a repayment schedule before disbursement.

You will be able to make loan repayments via the following channels:

MAB Branch (Nationwide)

 

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Home Loan

Feature/Benefit

  • Customer can be borrowed at least 80% of total cost.
  • Customer can be borrowed up to 60 months.
  • Equal Monthly Installment 
  • Convenience 

Eligibility

  • Myanmar Citizen who have reasonable income. 
  • Applicant must be between 18 years old and 55 years old at the time of application.
  • Joint applicant must be applicant’s spouse, sibling or parent.
  • Guarantor must be Myanmar Citizen who is spouse, sibling or parent or colleague.

Fee & charges

No Particular Loan
1 Interest 10%
2 Service Charge (one time only) 1%
3 Default Fee 13%
4 Processing Fee 50,000 MMK
5 Late Fee 1000 MMK
6 Early Repayment Fees 1% on remaining principal

Manage your repayment

Your monthly repayment due date is the disbursement date of the following month. The bank will provide repayment schedule before disbursement.

You will be able to make loan repayment via following channels:
MAB Branch (Nationwide) 

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SME Loan

အသေးစားနှင့် အလတ်စားစီးပွားရေးလုပ်ငန်းချေးငွေ

ကုန်သွယ်မှု၊ ဝန်ဆောင်မှုနှင့် ကုန်ထုတ်လုပ်မှုလုပ်ငန်းများအတွက် MAB ၏ အသေးစားနှင့် အလတ်စားလုပ်ငန်းသုံး ချေးငွေ

ချေးငွေ ရည်ရွယ်ချက်

လုပ်ငန်းလည်ပတ်ရင်းနှီးငွေ (Working Capital)

  • လုပ်ငန်းသုံး ကုန်ပစ္စည်းများ ဝယ်ယူမှု
  • လုပ်ငန်းအသုံးစရိတ်များ ပေးချေမှု

လုပ်ငန်းသုံး ပစ္စည်းများ ရင်းနှီးငွေ (Fixed Investment)

  • လုပ်ငန်းသုံးစက်ပစ္စည်းဝယ်ယူမှု
  • လုပ်ငန်းချဲ့ထွင် ဆောက်လုပ်မှု
  • စီမံကိန်းဆောက်လုပ်မှုများ

ချေးငွေ ပုံစံ (၁) SME-MAB LOAN (CASH FLOW-BASED APPROACH)

  • အများဆုံးချေးယူနိုင်သည့် ပမာဏ – ကျပ်သိန်း ၅၀၀၀
  • အတိုးနှုန်း – တစ်နှစ်လျှင် ၁၃ ရာခိုင်နှုန်း
  • လုပ်ငန်းလည်ပတ်ရန် ရန်ပုံငွေ (Working Capital) အတွက် အသုံးပြုပမာဏ ကန့်သတ်ချက်မရှိပါ
  • လုပ်ငန်းသုံးပစ္စည်းများ ရင်းနှီးငွေ (Fixed Investment) အတွက် အသုံးပြုပမာဏ ကန့်သတ်ချက်မရှိပါ

 ချေးငွေ ပုံစံ (၂) JICA TWO STEP LOAN ( COLLATERAL-BASED APPROACH)​

  • အများဆုံးချေးယူနိုင်သည့် ပမာဏ – ကျပ်သိန်း ၅၀၀၀​
  • အတိုးနှုန်း – တစ်နှစ်လျှင် ၈.၅ ရာခိုင်နှုန်း​
  • လုပ်ငန်းလည်ပတ်ရန် ရန်ပုံငွေ (Working Capital) အတွက် အများဆုံး ၂၀%​
  • လုပ်ငန်းသုံးပစ္စည်းများ ရင်းနှီးငွေ (Fixed Investment) အတွက် အများဆုံး ၈၀%
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