Personal Financing-i Non Package

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Benefits & Features

Financing Quantum

  • Based on eligibility limit and subject to minimum of RM10,000 and maximum amount of RM300,000

Payment Period

  • Maximum 120 months (10 years) or up to the retirement age, whichever is earlier

Financing Rate Offer

Financing rate for Payment via Salary Transfer

Type of Coverage

Tenure

Floating Rate

With Takaful  1 – 3 years SBR + 5.66% = 8.41%
4 – 8 years SBR + 7.69% = 10.44%
9 – 10 years SBR + 8.92% = 11.67%
Without Takaful  1 – 3 years SBR + 10.07% = 12.82%
4 – 8 years SBR + 11.06%= 13.81%
9 – 10 years SBR + 11.06%= 13.81%

Financing rate for Payment via Standing Instruction

Type of Coverage

Tenure

Floating Rate

With Takaful  1 – 3 years SBR + 5.67% = 8.42%
4 – 8 years SBR + 9.83% = 12.58%
9 – 10 years SBR + 11.55% = 14.30%
Without Takaful  1 – 3 years SBR + 12.00% = 14.75%
4 – 8 years SBR + 13.00% = 15.75%
9 – 10 years SBR + 13.00% = 15.75%

Financing rate for Home Financing-i Customers (Standing Instruction Only)

Type of Coverage

Tenure

Floating Rate

With Takaful  1 – 3 years SBR + 5.67% = 8.42%
4 – 8 years SBR + 7.35% = 10.10%
9 – 10 years SBR + 8.25% = 11.00%
Without Takaful  1 – 3 years SBR + 12.00% = 14.75%
4 – 8 years SBR + 13.00%= 15.75%
9 – 10 years SBR + 13.00%= 15.75%

Note: Current Standard Base Rate (SBR) is 2.75% p.a (Effective 10 July 2025)


Takaful Coverage – Optional

  • Personal Financing Takaful Plan

Benefits

  • No hidden charges
  • Selling price – fixed and known
  • Fast approval
  • Competitive rate

Eligibility & Requirements

Eligibility

  • Applicant must be 18 years and not exceeding the retirement age at the end of payment period
  • Malaysian citizen
  • Earning a minimum fixed income of RM4,000 per month
  • Applicant must be a continued employee in any of the following:
    • Public Listed Companies

Documents Required

  • A copy of identity card
  • Latest 3 months’ salary slip
  • Latest employer’s confirmation letter
  • Latest income tax form (Form B or Form EA/EC) or latest 3 months Bank Statements of salary crediting account, or any other latest supporting document such as EPF statement (or all these 3 documents, if required)

Payment Method

  • Salary Deduction
  • Salary Transfer to Bank Islam with Auto-debit Instruction
  • Standing Instruction from other Banks (from salary credited account)

Fees & Charges

Terms & Conditions and Product Disclosure Sheet

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