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 RM150,000
- Financing RM30,000 and below – without guarantor
- Financing more than RM30,000 – one guarantor
Payment Period
- Maximum 120 months (10 years) or up to the retirement age, whichever is earlier
Financing Rate Offer With Takaful Coverage
Flat Rate
- 1 – 3 years : 4.5% p.a. (Flat). (Profit is calculated on a monthly basis based on “Sum of Digit”)
- 4 – 8 years : 4.9% p.a (Flat). (Profit is calculated on a monthly basis based on “Sum of Digit”)
- 9 – 10 years : 5.50% p.a. (Flat). (Profit is calculated on a monthly basis based on “Sum of Digit”)
Financing Rate Offer Without Takaful Coverage
Flat Rate
- 1 – 3 years : 5.5% p.a. (Flat). (Profit is calculated on a monthly basis based on “Sum of Digit”)
- 4 – 8 years : 5.9% p.a (Flat). (Profit is calculated on a monthly basis based on “Sum of Digit”)
- 9 – 10 years : 6.5% p.a. (Flat). (Profit is calculated on a monthly basis based on “Sum of Digit”)
Advance Payment
- Equivalent to 2 months installment
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 RM3,500 per month
- Applicant and/or guarantor must be a continued employee in any of the following:
- Government Sector
- Public Listed Companies
- Subsidiaries of Government or Public Listed Company
Documents Required
- A copy of identity card
- Latest 3 months’ salary slip
- Latest employer’s confirmation letter
- And at least one (1) of these:
- Latest income tax form (Form B or Form EA/EC)
- Latest 3 months Bank Statements of salary crediting account; or
- Any other latest supporting document such as EPF statement, 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
NA
T&C and PDS
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