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 1st August 2022
Klik di sini untuk muat turun Lembaran Maklumat Produk berkuatkuasa 1hb Ogos 2022
