Ar-Rahnu
Ar-Rahnu Tawarruq is a short term financing where the customer will pledge a gold as Pawning Asset against the given financing.
Eligibility
- Individuals aged 18 years and above as follows:
- Malaysian citizen; or
- Permanent resident status.
- Must have an Identity Card.
- Must have a local contact telephone number and address.
- Not a bankrupt.
Gold Standard
- 999 (24 Carat)
- 950 (23 Carat)
- 916 (22 Carat)
- 875 (21 Carat)
- 835 (20 Carat)
- 750 (18 Carat)
Financing Amount
- Margin of up to 80% from Pawning Asset Value
- Normal Package
- Minimum amount is RM100.
- Maximum amount is RM250,000
- Traders Package
- Minimum amount is RM30,000
- Maximum amount is RM1,000,000
Financing Period
- Maximum facility period of 18 month.
- Customer has to settle Total Profit for every 6 month of Pawning Period.
- Customer reserves the right to make a full settlement and redeem the Pawning Asset at any of the Pawning Periods
Profit Rate
Profit rate will be charged based on Gold Value upon transaction is made.
Pledged Asset
- Must be in the form of gold/jewellery such as bars, bracelets, chains, etc.
- Must be fully owned by the customer.
Pledged Asset Valuation Criteria
|
Gold Type |
Description |
Value |
|---|---|---|
| New gold | Gold bars Note: Not exceeding 300 grams per gold bar | Current value |
| Used gold | Used gold | Current value |
| Gold with stones | Gold with gemstones | The weight of the stones will be determined based on the size and will be deducted from the total price |
Gold Price for Ar-Rahnu
| Gold Grade | Gold Price/ Gram (MYR) |
| 750 (18K) | 447.38 |
| 835 (20K) | 507.03 |
| 875 (21K) | 524.93 |
| 916 (22K) | 542.82 |
| 950 (23K) | 572.65 |
| 999 (24K) | 596.51 |
Effective update:
31 October 2025; 9:00am
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Product Disclosure Sheet (PDS)
Click here to download Product Disclosure Sheet (Malay Version) effective on 5 August 2025
