Personal Financing-i for Professional Program

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Benefits & 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

Financing rate for Payment via Salary Transfer

Type of Coverage

Tenure

Floating Rate
With Takaful  1 – 3 years SBR + 2.43% = 5.18%
4 – 10 years SBR + 3.10% = 5.85%
Without Takaful  1 – 3 years SBR + 4.70% = 7.45%
4 – 10 years SBR + 6.60% = 9.35%

Financing rate for Payment via Standing Instruction

Type of Coverage

Tenure

Floating Rate
With Takaful  1 – 3 years SBR + 3.22% = 5.97%
4 – 10 years SBR + 3.43% = 6.18%
Without Takaful  1 – 3 years SBR + 4.70% = 7.45%
4 – 10 years SBR + 6.60% = 9.35%

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

Eligibility & Requirements

  • Applicant must be above 25 years old and not exceeding the retirement age at the end of payment period
  • Malaysian citizen
  • Working as a professional in Medical Doctor, Dentist, Accountant, Engineer, Lecturer, Architect, Safety Officer, Pharmacist, Veterinary, Optometrist or Optician, Quantity Surveyor and Actuary
  • Minimum basic salary of RM4,000 for Non-Package
  • Minimum basic salary of RM5,000 for Engineer & Accountants
  • Minimum basic salary of RM15,000 for financing above RM300,000 under Professional Program

Documents Required

  • IC
  • Latest 3 months salary slip
  • Latest 3 months Bank ( salary) statement
  • Employer Confirmation Letter (ECL)
  • EPF Account Statement

Additional Documents For Respective Professional

  • Doctor
  • Certificate of registration with MMC/MMA OR;
  • For LOCUM, additional letter/payment voucher from respective clinic or hospital

    • Click here to view e-Flyer
  • Safety Officer
  • OSH officer credential certificate issued by Chief Director of Department of Occupational Safety and Health (DOSH);

    • Click here to view e-Flyer
  • Pharmacist
  • Degree in Pharmacy AND;
  • Registered membership with Pharmacy Board of Malaysia OR;
  • Annual Practicing Certificate (APC) from PBM OR;
  • Credential certificate from PBM

    • Click here to view e-Flyer
  • Veterinary
  • Degree in Veterinary Science or related field AND;
  • Registered membership with Malaysian Veterinary Council (MVC) OR;
  • Annual Practicing Certificate (APC) from MVC

    • Click here to view e-Flyer
  • Optometrist & Optician
  • Degree in Optometry (For optometrist) or at least Diploma in relevant field (Optician) AND;
  • Registered membership with The Malaysian Optical Council (MOC) OR;
  • Annual Practicing Certificate (APC) from MOC OR;
  • Optical Lenses Permit (For Optician)

    • Click here to view e-Flyer
  • Quantity Surveyor
  • Degree in Quantity Surveyor or any related course AND;
  • Registered membership with The Board of Quantity Surveyor (BQSM) OR;
  • Certificate of registration – Form D (Registered QS)

    • Click here to view e-Flyer
  • Actuary
  • Degree in Actuarial Science or any related course AND;
  • Registered membership with Actuarial Society of Malaysia OR;
  • Certificate from one of institution below:
    • Society of Actuaries (SOA) – United States
    • Casualty Actuarial Society (CAS) – United States
    • Institute and Faculty of Actuaries (I&FA) – United Kingdom
    • Actuaries Institute – Australia


  • Payment Method
  • Salary Deduction;
  • Salary Transfer to Bank Islam with Auto-debit instruction
  • Standing instruction

    • Click here to view e-Flyer
 

Fees & Charges

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Product Disclosure Sheet

Click here to download Product Disclosure Sheet effective on 1 May 2024

Klik di sini untuk muat turun Lembaran Maklumat Produk berkuatkuasa 1 Mei 2024

Terms & Conditions

Click here to download Terms and Conditions effective on 18 April 2025



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