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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