Personal Financing-i for Professional Program
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Benefits & Features
Financing Quantum
- Based on monthly basic income
- Based on eligibility limit and subject to minimum 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|
Professional |
Type of Coverage |
Tenure |
Floating Rate |
|---|---|---|---|
| Doctor and Dentist | With Takaful | 1 – 2 years | SBR + 3.25% = 6.00% |
| 3 – 10 years | SBR + 3.75% = 6.50% | ||
| Without Takaful | 1 – 2 years | SBR + 13.25% = 16.00% | |
| 3 – 10 years | SBR + 13.25% = 16.00% |
Financing rate for Payment via Standing Instruction
|
Professional (10 Profession) |
Type of Coverage |
Tenure |
Floating Rate |
|---|---|---|---|
| Standing Instruction (SI) | With Takaful | 1 – 2 years | SBR + 3.25% = 6.00% |
| 3 – 10 years | SBR + 7.25% = 10.00% | ||
| Without Takaful | 1 – 2 years | SBR + 13.25% = 16.00% | |
| 3 – 10 years | SBR + 13.25% = 16.00% | ||
| Salary Transfer (ST) | With Takaful | 1 – 2 years | SBR + 2.75% = 5.50% |
| 3 – 10 years | SBR + 3.25% = 6.00% | ||
| Without Takaful | 1 – 2 years | SBR + 13.25% = 16.00% | |
| 3 – 10 years | SBR + 13.25% = 16.00% |
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, Veterinary, Optometrist or Optician, Quantity Surveyor, Actuary and Takaful / Insurance Company
- Earning a minimum basic salary of RM2,000 per month
- Minimum income of RM15,000 for financing above RM300,000 under Professional Program
Documents Required
- Identity Card (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
-
Dentist
- Certificate of registration with MDC;
-
Accountant
- Degree in accountant AND;
- Professional Certificate from MICPA/ACCA/CIMA/CFA
-
Engineer
- Degree in Engineering AND;
- Professional Certificate from BEM i.e IR
-
Lecturer
- Min Degree/Master/PhD
- Staff of the 20 listed IPTA and 20 listed IPTS by Bank Islam
-
Veterinary
- Degree in Veterinary Science or related field AND;
- Registered membership with Malaysian Veterinary Council (MVC) OR;
- Annual Practicing Certificate (APC) from MVC
-
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)
-
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)
-
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
Takaful / Insurance Company - Employee of executive and above only (excluding insurance/takaful agents)
- Salary Deduction;
- Salary Transfer to Bank Islam with Auto-debit instruction
- Standing instruction
Payment Method
Fees & Charges
Click here to view Fees & Charges
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