Personal Financing-i Package

Instalment Table

Eligibility

New To Bank Customer	Existing Customer
New To Bank Customer with financing amount of RM150,000 and above	Existing Overlap Customer with additional growth of RM150,000 and above

Promotional Period

1 August 2024 – 31 March 2025

Promotional Rates

Notes : Current SBR at 3.00% p.a.

Benefits & Features

Features Financing Quantum

Based on eligibility limit and subject to minimum amount of RM10,000 and maximum amount of RM400,000

Payment Period

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

Financing Rate Offer With Takaful Coverage

Floating Rate (Current Standard Base Rate [SBR])

1-3 years : SBR + 2.18% p.a (Profit is calculated on a daily basis based on “Monthly Rest”)
4-10 years : SBR + 2.25% p.a (Profit is calculated on a daily basis based on “Monthly Rest”)

Note: Current Standard Base Rate (SBR) is 3.00% p.a. (Effective 5 May 2023)

Financing Rate Offer Without Takaful Coverage

Floating Rate (Current Standard Base Rate [SBR])

1-3 years : SBR + 4.15% p.a (Profit is calculated on a daily basis based on “Monthly Rest”)
4-10 years : SBR + 6.05% p.a (Profit is calculated on a daily basis based on “Monthly Rest”)

Note: Current Standard Base Rate (SBR) is 3.00% p.a. (Effective 5 May 2023)

Financing Rate Offer With Takaful Coverage

Flat Rate

1-3 years: 4.20% p.a. (Profit is calculated on a monthly basis based on ‘Sum of Digit”).
4-10 years: 4.35% p.a. (Profit is calculated on a monthly basis based on ‘Sum of Digit”).

Note : Profit is calculated on a monthly basis based on “Sum of Digit”

Financing Rate Offer Without Takaful Coverage

Flat Rate

1-10 years: 5.99% p.a. (Profit is calculated on a monthly basis based on “Sum of Digit”).

Takaful Coverage

Benefits

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 RM2,000 per month
Earning a minimum fixed income of RM8,000 per month for financing above RM300,000
Applicant must be a continued employee in any of the following:
- Government Sector
- Selected Public Listed Companies
- Subsidiaries of Government or Selected Public Listed Company
- Other Prominent Private Limited Companies as categorized under package companies listed by Bank Islam

Documents Required

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

Payment Method