Bank Islam Malaysia Berhad (BIMB)

Bank Islam Malaysia Berhad (BIMB) offerings Personal Financing Loan for permanent and contract for Government and Business Loan. Find out more. Apply now!

Pinjaman Peribadi Bank Islam

Introduction

For those seeking competitive profit rates and Islamic loan options, look no further. It is tailored for all types of individuals, including professionals across various sectors. Enjoy peace of mind with personal financing and highly competitive monthly installments. In addition to personal loans, Bank Islam also offers other services such as credit cards, housing loans, Home Financing-i, and more.

Bank Islam is the first Islamic Banking in Malaysia. Offering wide range of personal loan to government and private sector

UNPARALLELED NETWORK

Bank Islam is the FIRST Islamic bank in Malaysia and has the widest network of dedicated Islamic banking channels, with more than 144 branches throughout the country. We are founded to provide banking and financial solutions that are based on the principles of Shariah, which focus on balancing Indvidual and social needs, as well as economic activities that promote justice as well as responsibility to the society and planet.

Over 35 Years of Service

1 July 1983 is a date of historic significance. It was when Bank Islam Malaysian Berhad or Bank Islam, in short, was officially established. The day marked the beginning of Islamic banking not just in Malaysia but also within the ASEAN region.

Popular Personal Loans

Cash Line-i

The Cash Line-i against Bank Islam’s Fixed Deposit, Structured Investment or Unit Trust. One of the best personal financings in Malaysia.

Financing Quantum: Subject to a minimum of RM10,000

Margin of Financing

  1. Up to 100% if secured against fixed deposit
  2. Up to 80% if secured against structured investment
  3. Up to 60% if secured against unit trust

Payment Period

  • Secured against fixed deposit or structured investment. Maximum of 5 years (60 months) with no age limit. Secured against unit trust
  • Maximum of 5 years (60 months) or up to the retirement age or up to 70 years old, whichever is earlier

Cash Line-i Secured

The Cash Line-i against Bank Islam’s Fixed Deposit, Structured Investment or Unit Trust

Financing Quantum: Subject to a minimum of RM5,000

Margin of Financing

  1. Up to 100% if secured against fixed deposit
  2. Up to 80% if secured against structured investment
  3. Up to 60% if secured against unit trust

Payment Period

  • Secured against fixed deposit or structured investment
  • Maximum of 5 years (60 months) with no age limit
  • Secured against unit trust
  • Maximum of 5 years (60 months) or up to the retirement age or up to 70 years old, whichever is earlier

Non-Package 4.5% /p.a. (Flat)

Financing Quantum

  • Based on eligibility limit and subject to minimum of RM10,000 and maximum amount of RM150,000

Payment Period:

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

Financing Rate

  • Offer with Takaful Coverage Flat Rate 1 – 3 years: 4.5% p.a. (Flat). (Profit is calculated on a monthly basis based on “Sum of Digit”) 4 – 8 years: 4.9% p.a (Flat). (Profit is calculated on a monthly basis based on “Sum of Digit”) 9 – 10 years: 5.50% p.a. (Flat). (Profit is calculated on a monthly basis based on “Sum of Digit”)
  • Without Takaful Coverage Flat Rate 1 – 3 years: 5.5% p.a. (Flat). (Profit is calculated on a monthly basis based on “Sum of Digit”) 4 – 8 years: 5.9% p.a (Flat). (Profit is calculated on a monthly basis based on “Sum of Digit”) 9 – 10 years: 6.5% p.a. (Flat). (Profit is calculated on a monthly basis based on “Sum of Digit”)

Personal Financing-i Package

Base Rate (BR) + 3.38% /p.a

  • 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 (Base Rate [BR]) 1-3 years: Base Rate (BR) + 1.90% p.a. (Profit is calculated on a daily basis based on “Monthly Rest”). 4-10 years: Base Rate (BR) + 2.00% 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 (Base Rate [BR]) 1-3 years: 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
  • Financing Rate Offer with Takaful Coverage Flat Rate 1-10 years: 4.99% p.a. (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”).

Package

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
  • Promotional Rate for Teacher and Nurse (7 months only from 01/08/2019 to 29/02/2020)

Professional Program

Financing Quantum

  • Base Rate (BR) + 1.90%/p.a
  • 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
  • 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, Lecturer, Architect, Safety Officer, Pharmacist, Veterinary, Optometrist or Optician, Quantity Surveyor and Actuary
  • Fixed income earner with a minimum gross income of RM3,500.

Programme for Medical Practitioner

Financing Quantum

Based on eligibility limit and subject to minimum amount of RM10,000 and maximum amount of RM300,000

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

Financing Rate Offer with Takaful Coverage

Flat Rate (Promotional Rate for Package and Program Customer, 7 months only from 01/08/2019 to 29/02/2020)

  1. 1- 3 years: 4.20% p.a. (Profit is calculated on a monthly basis based on “Sum of Digit”).
  2. 4-10 years: 4.35% p.a. (Profit is calculated on a monthly basis based on “Sum of Digit”).

Floating Rate Fragmentation (Base Rate [BR])

  1. 1-3 years: Base Rate (BR) + 2.38% p.a. (Profit is calculated on a daily basis based on “Monthly Rest”).
  2. 4-10 years: Base Rate (BR) + 3.02% p.a. (Profit is calculated on a daily basis based on “Monthly Rest”).
  3. Revised BR (effective date 10 May 2019) is 3.77% p.a

Financing Rate Offer Without Takaful Coverage

Flat Rate (Promotional Rate for Package and Program Customer, 7 months only from 01/08/2019 to 29/02/2020)

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

Floating Rate (Base Rate [BR])

  1. 1-3 years: Base Rate (BR) + 3.38% p.a. (Profit is calculated on a daily basis based on “Monthly Rest”).
  2. 4-10 years: Base Rate (BR) + 5.28% p.a.

Revised BR (effective date 10 May 2019) is 3.77% p.a

Eligibility & Requirements

Eligibility (Salary Earner)

  1. Applicant must be 25 years old and not exceeding the retirement age at the end of payment period
  2. Malaysian citizen
  3. Fixed income earner with a minimum gross income of RM2,000 per month
  4. Minimum tenure in service:
  5. Permanent Staff: 6 months
  6. Contract Staff: 2 years (Government only)

Eligibility (Sole Proprietorship or Partnership)

  1. Applicant must be 25 years old and not exceeding the retirement age at the end of payment period (maximum entry age is 65 years and up to 70 years old)
  2. Malaysian citizen
  3. Earning a minimum gross monthly income of RM2,000 and above
  4. Minimum of 2 years in business

Documents Required

For salary earner applicant: –

  • Photocopy of Identity Card
  • Latest pay slip
  • Latest letter of confirmation from employer (salary earner)
  • Certificate of registration with Malaysian Medical Council or Malaysian Dental Council
  • And at least one (1) of these:
  • Latest income statement (Form B/eBE/ EA/EC); or
  • Latest 3 months Bank Statements of salary crediting account; or
  • Any other latest supporting document such as EPF statement, if required

For Sole Proprietorship or Partnership: – Photocopy of identity card

Fees & Charges

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

Monthly Repayment Table

  1. Jadual Ansuran Bulanan Pinjaman Peribadi Bank Islam Overlap
  2. Jadual Ansuran Bulanan Pinjaman Peribadi Bank Islam Pakej/ Program
  3. Jadual Ansuran Bulanan Pinjaman Peribadi Bank Islam Kadar Tetap
  4. Jadual Ansuran Bulanan Pinjaman Peribadi Bank Islam Kadar Tetap

 

*Source: https://www.bankislam.com

 #personalloan #Bank #BIMB 

Contact Bank Islam Malaysia Berhad

  • General Line: +603 2088 8000
    Contact Centre: +603 26 900 900
  • Email: contactcenter@bankislam.com.my
  • Bank Islam Malaysia Berhad
    Level 32, Menara Bank Islam
    No. 22, Jalan Perak
    50450 Kuala Lumpur

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