Personal Cash Line-i
Personal Cash Line-i against Bank Islam’s Fixed Deposits.
Benefits & Features
Financing Quantum
- Subject to a minimum of RM10,000 (Fixed Deposits)
Margin of Financing
- Up to 100% if secured against fixed deposit
Financing Period
- Maximum of 5 years (60 months)
Financing Rate Offer
Secured against fixed deposit, structured investment or unit trust
Floating Rate (Standardised Base Rate [SBR])
- Profit Rate: SBR + 3.97%
Note : SBR (effective 10 July 2025) is 2.75% p.a
Eligibility & Requirements
Eligibility
Secured against fixed deposit, structured investment or unit trust
- Applicant must be 18 years and above
- Malaysian citizen
- Earning a minimum fixed income of RM1,500.00 per month
- Salary earner or sole proprietorship/partnership
Documents Required
Secured against fixed deposit, structured investment or unit trust
Salary Earner
- A copy of NRIC
- Latest salary slip
- Latest 3 months bank statements of salary credited account
Sole Proprietor/Partnership
- A copy of NRIC
- Business registration
- Last 6 months current account statements
Payment Method
- Standing instruction from current account linked to the Personal Cash Line-i
Benefits
- Competitive rate
- No commitment fee
- No hidden charges
- No guarantor is required
- No processing fee
- Flexible financing tenure
- Selling price – fixed and known
- Fast approval
Fees & Charges
Terms & Conditions and Product Disclosure Sheet
Click here to download Terms & Conditions effective on 25th February 2021
Click here to download Terms & Conditions effective on 7th October 2024
Click here to download Product Disclosure Sheet effective on 2 December 2025
Klik di sini untuk muat turun Lembaran Maklumat Produk berkuatkuasa 2 Disember 2025
