MOST AWAITED MariBank Feature Just Went Live! Is This The Best Time Deposit Offer? Lets Check!

Guys, for today's video, mayro'on bagong feature akong gustong i-share sa inyo about Maribank. And this is one of the

about Maribank. And this is one of the most awaited feature with Maribank. Eh

ano ba 'to? Well, magugulat kayo kasi meron ng time deposit kay Marbank. So,

worth it nga ba ang paghihintay natin ng time deposit feature ni Maribank? Eh,

well, yan ang pag-uusapan natin today.

So, samahan niyo ako, pag-usapan natin yan. Seat back and let's discuss coming

yan. Seat back and let's discuss coming right out.

[musika] Hi guys, this is Pat and you're in Pat Kintos Review TV. So if you're new channel, I do reviews about personal finance na meron akong experience or meron na akong knowledge na ginawa ko na yan ng videos and playlist na makikita

niyo dito sa taas. At kung bago ka dito sa channel ko, you may want to consider subscribing to my channel. So just

yesterday, pina-release na itong bagong feature nga ni Marank, which is the time deposit. If niyo pa makita yan sa app

deposit. If niyo pa makita yan sa app niyo ngayon, try niyo munang mag-update ng app. Baka outdated yung app na

ng app. Baka outdated yung app na naka-install diyan. But after updating,

naka-install diyan. But after updating, you should find this time deposit na nandiyan na sa inyong dashboard. Okay.

So, pag-usapan na natin ano bang meron dito sa time deposit? Well, ito nga 'yung hinihintay natin but masasabi ko hindi siya ganon kaattractive versus sa time deposit ni Salmon Bank.

Well, si Salmon Bank kasi nasa 8%. So,

medyo attractive talaga yun. However,

kasi kailangan 1 million ang deposit mo doon. Ito naman kay Maribank, ang

doon. Ito naman kay Maribank, ang interest lang na kaya niyang i-provide ay 3.75%.

coming from their savings na 3.25% eh only additional 5% ang madadagdag sa inyong savings. So anong tenure ang

inyong savings. So anong tenure ang available dito? Well, for now, ang

available dito? Well, for now, ang tenure na available lang dito is only 3 months. We're not yet sure kung later on

months. We're not yet sure kung later on magdadagdag pa sila ng other time deposit tenure. Maybe they're just

deposit tenure. Maybe they're just testing the water right now and titingnan nila yyung reception ng mga tao kung marami ang mag-e-engage ng time deposit. So silipin natin sa app kung

deposit. So silipin natin sa app kung ano ba ang itsura ng time deposit. Okay.

So kung makikita niyo ayan nandiyan nakalagay up front time deposit.

Pag-clinic po natin 'yan ito instant earnings time deposit. Earn your

interest in full as soon as you start.

So top choice ito daw ah 3.75% per annum sa loob ng 3 months term. Since ila-lock

natin yung pera natin with Marib Bank for 3 months, makukuha na natin kaagad ang interest. Ang tawag nila dito ay up

ang interest. Ang tawag nila dito ay up front time deposit. Wherein [musika]

once you lock in the money for time deposit, makukuha mo na kaagad 'yung whole amount interest ng pera mo. So

katulad nito, ah sabi dito, "Ah, how does the upfront interest on time deposit work?" With upfront time

deposit work?" With upfront time deposit, you can lock in your savings for a selected tenor o example of 3 months and get the interest for your deposit instantly. So, makukuha mo na

deposit instantly. So, makukuha mo na kaagad yung interest. Parang pinauna na ni Mary Bank yung interest na more-earn ng pera mo. The upfront interest will be instantly credited to your savings account after a successful upfront time

deposit placement. For the time deposit

deposit placement. For the time deposit placement with auto rollover, the upfront interest will instantly be credited once the time deposit renews.

So pwede natin i-click to para makita natin deposit now. Ayan ah minimum lang ng Php100 for you to open a time deposit and then a maximum of 10 time deposit

accounts ang pwede mong i-open. For

every account na io-open mo as a time deposit, ang maximum na pwede mong ilagay for your time deposit account is only Php1 million. So let's say 90,000 'tong ilalagay natin. Mag-e-earn 'yung

90,000 ko ng Php680.54 sa loob ng 3 months for a time deposit.

So basically yan 'yung term 3.75% per annum and then you need to name your time deposit. Lalagyan niyo ng pangalan.

time deposit. Lalagyan niyo ng pangalan.

Tapos ito yung mga instruction mangyayari once na mag-mature na yung time deposit niyo. So maturity

instruction pwedeng withdraw upon maturity tapos sasabihin sayo yung maturity date and then 'yung savings account na naka-link sa inyong time deposit which is my Maribank account.

Tapos ayan ah meron siyang may topic deposit you agree to the terms and condition. So hindi ko na lang po muna

condition. So hindi ko na lang po muna siya gagawin kasi hindi po ako sure. But

we can try Php100 na lang po para lang makita natin 'di ba? Once sa Php100 lagay natin test mag-e-earn po siya ng 76. Net of interest na po to ah. So kung

76. Net of interest na po to ah. So kung

papakita po natin, ayan 'yung principal na Php100 times 3.75% sa loob ng 92 days yan mag-e-earn po siya ng kulang-kulang Php1 po. Um and

then withholding tax na 19 tapos 'yun net interest of76. So try na rin po natin para makita po natin. Sabi po yan, "Congratulations up front interest is already credited to your savings account." Pag-click po natin ng done,

account." Pag-click po natin ng done, makikita na po natin siya dito.

Nakalagay view my deposit. Meron akong

active deposit. So ito nga po 'yung details ng aking time deposit with Mariback. So pag nag-mature na po o

Mariback. So pag nag-mature na po o natapos na po 'yung days ng hold up ng inyong time deposit eh meron pong couple of actions na pwedeng automatic na mangyari. Pwede po siyang automatic na

mangyari. Pwede po siyang automatic na ma-withdraw at malagay sa savings account niyo or pwede rin po siyang mag-auto rollover. Ang ibig sabihin po

mag-auto rollover. Ang ibig sabihin po nito is that mag-o-open po siya ng panibagong time deposit account na panibagong contract kumbaga na sa loob ulit ng 3 months. And then magde-deposit

po uli siya ng interest kaagad, upfront interest sa inyong savings account.

That's parang ina-advance po talaga ulit yung net interest na makukuha. So if in case naman na nag-open kayo ng time deposit tapos ay sabi niyo parang ayoko na. Meron po kayong 48 hours. Pwede niyo

na. Meron po kayong 48 hours. Pwede niyo

pong i-withdraw ang time deposit niyo.

So sabi po dito, if you terminate your active time deposit within 48 hours after placement or rollover, only the interest will be deducted from your initial time deposit. Meaning yung

binigay po sa inyong upfront na interest, yung pinauna po nilang interest, yun lang naman po ang ibabawas nila sa pera niyo na nilagay niyo sa time deposit. Thus, makuha niyo rin yung

time deposit. Thus, makuha niyo rin yung buong Php100. Ito naman, if you

buong Php100. Ito naman, if you terminate your active time deposit after 48 hours from the placement or rollover, the upfront interest receive and other charges, example, documentary stum tax

will be deducted from your initial deposit. So make sure po na pag

deposit. So make sure po na pag ika-cancel niyo 'yung time deposit niyo, gawin niyo po 'yan within 24 hours. Kasi

after 48 hours po eh hindi lang po yung up front interest ang mababaw sa inyo.

Pati yung mga charges po nila. Katulad

po ng documentar stum tax and other fees na later on pwedeng mag-surface. So

yeah, basically 'yan lang po 'yung available na feature ng time deposit right now. Only 3 months lang po ngayon.

right now. Only 3 months lang po ngayon.

But the interesting feature nga po dito, if you're really decided for a time deposit with Maribank, then ang magandang feature po nito is the upfront interest wherein ibibigay na po sa inyo kaagad yung interest ng inyong time

deposit. However, po kung tatanungin

deposit. However, po kung tatanungin niyo po ako kung attractive ba itong time deposit sa akin ni Mary Bank, eh well, medyo nakulangan po ako kasi iyung mga time deposit offerings ng ibang banks, mga online and digital banks, the

interests are far greater than what Maribank is offering. But kung sa tingin niyo naman na mas secure kayo with Maribank and much better naggawin ng time deposit niyo kay Maribank, eh well go ahead, wala naman pong pumipigil sa

inyo. Just make sure lang po na aware po

inyo. Just make sure lang po na aware po kayo sa interest and net interest na makukuha niyo with your time deposit. So

far for me, mayro'on pa pong ibang banks that offer a greater return on your time deposit investment. For our question of

deposit investment. For our question of the day, since 'yung interest ng time deposit is 5% interest greater lang sa existing nilang savings [musika] account, sa tingin niyo mas okay bang

mag-time deposit kayo na mala-lock ang pera niyo for an additional 5% interest?

O you will stick na lang dito sa savings deposit ni Marybank [musika] na hindi naka-lock yung pera niyo but you're just earning at 3.25%. Sa tingin niyo iyung 5% material ba iyon for you to decide eh

let me know sa comment section sa baba for our weekly giveaway. 'Yun lamang po for today's video. But before we end this video, mag-shoutout po muna tayo.

At shoutout kay shoutout kay Teresa Pano at Teresa Po, 4208. At sabi po niya, "Hi, Sir Pat. This is very helpful to me. Thank you so much po for sharing."

me. Thank you so much po for sharing."

Ayan, kay Miss Teresa Panyo, shoutout po sa inyo and thank you so much din po na na-appreciate niyo po yung content na ginagawa ko. Maraming salamat po.

ginagawa ko. Maraming salamat po.

[musika] I hope you like this video, leave a thumbs up, and if not, wala namang problema diyan. But continue to support me by subscribing to [musika] my channel. By clicking the subscribe

channel. By clicking the subscribe button and also the bell button saing subscribe para maka-receive kayo ng latest notification [musika] sa lahat ng upload ko. Again guys, this is Pat Kinto

upload ko. Again guys, this is Pat Kinto and you're in Pat Kinto's Review TV. E

bye.