Personal Cash Line-i

Personal Cash Line-i against Bank Islam’s Fixed Deposits, Structured Investment, Unit Trust and Salary Account

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Benefits & Features

Financing Quantum

  • Subject to a minimum of RM5,000 (Salary Account)
  • Subject to a minimum of RM10,000 (Fixed Deposits, Structured Investment or Unit Trust)

Margin of Financing

  • Up to 100% if secured against fixed deposit
  • Up to 80% if secured against structured investment
  • Up to 60% if secured against unit trust
  • Up to 1:1 with amount of salary credited to Bank Islam and up to maximum of RM50,000.00

Financing Period

Secured against fixed deposit, structured investment or unit trust

  • Maximum of 5 years (60 months) with no age limit

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


Salary Account

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

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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

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