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

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  • Safety Officer
  • OSH officer credential certificate issued by Chief Director of Department of Occupational Safety and Health (DOSH);

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  • Pharmacist
  • Degree in Pharmacy AND;
  • Registered membership with Pharmacy Board of Malaysia OR;
  • Annual Practicing Certificate (APC) from PBM OR;
  • Credential certificate from PBM

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  • Veterinary
  • Degree in Veterinary Science or related field AND;
  • Registered membership with Malaysian Veterinary Council (MVC) OR;
  • Annual Practicing Certificate (APC) from MVC

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  • 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)

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  • 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)

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  • 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

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Fees & Charges

 

Product Disclosure Sheet

Terms & Conditions

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