Personal Financing 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 RM300,000

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
  • 1-3 year : Base Rate (BR) + 1.90% p.a (Profit is calculated on a daily basis based on “Monthly Rest”).
  • 4-10 years : Base Rate (BR) + 2.11% p.a (Profit is calculated on a daily basis based on “Monthly Rest”).

Note : Revised BR (effective date 10 July 2020) is 2.52% p.a


Financing Rate Offer Without Takaful Coverage

Floating Rate
  • 1-3 year : Base Rate (BR) + 3.38% p.a (Profit is calculated on a daily basis based on “Monthly Rest”).
  • 4-10 years : Base Rate (BR) + 5.28% p.a (Profit is calculated on a daily basis based on “Monthly Rest”).

Note : Revised BR (effective date 10 July 2020) is 2.52% p.a

 

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, Pilot, Lecturer, Architect, Safety Officer, Pharmacist, Veterinary, Optometrist or Optician, Quantity Surveyor and Actuary
  • Fixed income earner with a minimum gross income of RM3,500.

Documents Required

  • IC
  • Latest 1 month salary slip
  • Latest 1 month salary crediting statement
  • Employer Confirmation Letter (ECL)
  • EPF i-Akaun 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 MDA;
  • For LOCUM, additional letter/payment voucher from respective clinic or hospital

  • Accountant
  • Degree in accountant AND;
  • Professional Certificate from MACPA/ACCA/CIMA/CFA

  • Engineer
  • Degree in Engineering AND;
  • Professional Certificate from BEM i.e IR

  • Pilot
  • Professional Certificate from CPL/ATPL/MAPA

  • Lecturer
  • Min Degree/Master/PhD
  • Staff of the 20 listed IPTA and 20 listed IPTS by Bank Islam

  • Architect
  • Degree in Architecture AND;
  • Registered membership with LAM/PAM/ILAM

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

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

  • 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


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

Fees & Charges

RM50.00 – For being the customer’s agent to sell commodity to the Broker

 

Product Disclosure Sheet

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