Bank Muamalat

Looking for a reliable personal loan in Malaysia? Bank Muamalat offers competitive financing tailored for government employees, military personnel, and retirees. With flexible terms and trusted service, it’s a smart choice for your financial needs. Apply now or explore your options today.

Introduction

Anti- Bribery & Corruption Statement

Bank Muamalat Malaysia Berhad (“BMMB”) and its subsidiaries are committed to conducting business with transparency, integrity and compliance with regulatory requirements as well as good corporate governance practices.

In line with this commitment, the Bank adopts a ‘zero tolerance’ approach against all forms of bribery and corruption. All members of the Board of Directors, staff and third parties must uphold the highest standard of integrity and accountability in discharging their duties.

The principles of BMMB’s Anti-Bribery and Corruption Policy state:

Bribery

All forms of bribery and corruption in relation to BMMB’s activities are prohibited.

No Gift Policy

The Bank has adopted a “No Gift” policy. It is prohibited to offer or receive any gift that may influence good judgment and decision making.

Entertainment

All employees and directors are allowed to provide or accept entertainment to/from third parties only if for legitimate business purposes.

Donation & Sponsorship

Sponsorship and Donation must be transparent and not used as a subterfuge for bribery.

Product & Services

Muamalat Invest

Muamalat Invest Sdn Bhd (“MISB”) is a wholly-owned subsidiary of Bank Muamalat Malaysia Berhad. Muamalat Invest, a licensed Islamic fund manager, has been a licensed fund management company since 2006, and was accorded the Islamic Fund Management license in September 2010.

Wakaf Muamalat

Economic prosperity through Wakaf
Since 2012, Wakaf Muamalat has been active to empower wakaf through various collaborations and synergies for broader outreach. To date, Wakaf Muamalat has collected more than RM 26.7 million. Through Wakaf Muamalat, the needy and underprivileged will be in good hands.
Explore wakaf opportunities with us!

Jariah Fund

Jariah Fund is an online crowdfunding platform which aims to assist the underprivileged and contribute to society. The platform eases the donation drive through its transparent features by providing current reports and updates of the amount collected and the state of the intended beneficiaries.

Popular Personal Loans

Structured Personal Financing-i

  • Minimum Financing : 2 years
  • Maximum Financing : 10 Years
  • Financing Up to RM250,000*
  • Age up to 70 years old*
  • No Guarantor Required
  • No Processing Fee
  • No Hidden Charges
  • Debt Consolidations
  • *subject to terms and conditions

Pesara (3P) 5.50%/p.a

  • Tenure Minimum: 3 years Maximum: 10 years
  • Financing Amount Minimum: RM 5,000.00 Maximum: RM 250,000.00
  • Profit Rate Competitive Flat & Floating Rate
  • Mode of Payment Pension with BMMB
  • Wasiat/Will – writing Optional (highly encourage)
  • Takaful Optional (highly encourage)

i Programme

  • Minimum Financing : 2 years
  • Maximum Financing : 10 Years
  • Financing Up to RM250,000*
  • Age up to 70 years old*
  • No Guarantor Required
  • No Processing Fee
  • No Hidden Charges
  • Debt Consolidations
  • *subject to terms and conditions

Cash-i $485/p.a

  • Age 18 and above
  • Financing up to 60 years old or up to retirement age (whichever is earlier)
  • Malaysian citizen
  • Government Employees Federal and State Governments Confirmed position or is a permanent staff Minimum Income (salary + fixed allowance) of RM3,000 and above
  • Newly Employed Civil Servant (NECS) Minimum Income of RM2,000 Employment less than 1 year
  • Government, GLCs, GLICs & Employers under Empanelment Program

Repayment Table

PESARA TENTERA & KAKITANGAN KERAJAAN 5:50% (TETAP)

JUMLAH PEMBIAYAAN (RM) 1 TAHUN 2 TAHUN 3 TAHUN 4 TAHUN 5 TAHUN 6 TAHUN 7 TAHUN 8 TAHUN 9 TAHUN 10 TAHUN
10,000879463324254213185165150138129
20,0001,758925647508425369330300277258
30,0002,6381,388971763638554495450415388
40,0003,5171,8501,2941,017850739660600554517
50,0004,3962,3131,6181,2711,063924824750692646
60,0005,2752,7751,9421,5251,2751,108989900831775
70,0006,1543,2382,2651,7791,4881,2931,1541,050969904
80,0007,0333,7002,5892,0331,7001,4781,3191,2001,1071,033
90,0007,9134,1632,9132,2881,9131,6631,4841,3501,2461,163
100,0008,7924,6253,2362,5422,1251,8471,6491,5001,3841,292
110,0009,6715,0883,5602,7962,3382,0321,8141,6501,5231,421
120,00010,5505,5503,8833,0502,5502,2171,9791,8001,6611,550
130,00011,4296,0134,2073,3042,7632,4012,1431,9501,8001,679
140,00012,3086,4754,5313,5582,9752,5862,3082,2101,9381,808
150,00013,1886,9384,8543,8133,1882,7712,4732,2502,0761,938
160,00014,0677,4005,1784,0673,4002,9562,6382,4002,2152,067
170,00014,9467,8635,5014,3213,6133,1402,8032,5502,3532,196
180,00015,8258,3255,8254,5753,8253,3252,9682,7002,4922,325
190,00016,7048,7886,1494,8294,0383,5103,1332,8502,6302,454
200,00017,5839,2506,4725,0834,2503,6943,2983,0002,7692,583
210,00018,4639,7136,7965,3384,4633,8793,4633,1502,9072,713
220,00019,34210,1757,1195,5924,6754,0643,6273,3003,0452,842
230,00020,22110,6387,4435,8464,8884,2493,7923,4503,1842,971
240,00021,10011,1007,7676,1005,1004,4333,9573,6003,3223,100
250,00021,97911,5638,0906,3545,3134,6184,1223,7503,4613,229

* Sebarang perubahan pembayaran balik pembiayaan tertakluk kepada terma & syarat.

For Armed Forces

Tawaran menarik bagi pinjaman peribadi Bank Muamalat Malaysia Berhad (BMMB) seperti berikut:

Bank Muamalat Personal Financing-i For Armed Forces

Loan Details Investment & Refinancing for Armed Forces
Purpose Settlement of Debt and Investment
Who Can Apply Malaysia Armed Forces
Tenure Minimum: 3 years, Maximum: 10 years*
Financing Amount Minimum: RM5,000.00
Maximum: RM100,000.00
Profit Rate Flat: 5.5% p.a
Floating: BFR + 1.8% (capped at 11%)
Mode of Payment Auto debit from net salary via BMMB Current/Saving Account
Will Writing (Wasiat) Optional
Takaful Compulsory
Guarantor Not required
Documents Required • Copy of BATC10/MyTentera (front and back)
• Latest 1-month salary slip (Flat Rate)
• Latest 2-month original salary slips (Floating Rate)
• BMMB Current/Saving Account passbook
• Latest settlement statement
• Investment statement (if applicable)
Applicant’s Eligibility • LLP (Other Ranks): Maximum age 52 years
• Officers: Maximum age 65 years

Government & Related Agencies Staff

Bank Muamalat Financing products:

Loan Details PPK Financial Management Financing – Investment & Refinancing (Civilian)
Purpose Settlement of debt and investment
Who Can Apply Federal / State Government staff, Government-linked companies, and selected organizations
Tenure Minimum: 3 years, Maximum: 10 years
Financing Amount Minimum: RM5,000.00
Maximum: RM100,000.00
Profit Rate Flat Rate:
– Without Ju’alah: 5.5% p.a
– With Ju’alah: 5.7% p.a
Floating Rate: BFR + 1.8% (capped at 11%)
Mode of Payment a) Auto debit from net salary via BMMB Current/Saving Account
b) Salary deduction at source by employer
Will Writing (Wasiat) Optional
Takaful Compulsory
Guarantor Not required
Documents Required • Copy of NRIC (front and back)
• Latest 1-month salary slip (Flat Rate)
• Latest 3-month original salary slips (Floating Rate)
• Employment confirmation letter
• Latest settlement statement
• Investment statement (if applicable)
Applicant’s Eligibility • Employment:
– Non-Government: Permanent & confirmed staff with minimum 3 years of service
– Government: Confirmed staff
• Repayment capacity determined by NDI & DSR

Note:

  1. Customer’s not a Bankruptcy during apply Bank Muamalat Malaysia Berhad BMMB financing
  2. Terms and conditions apply

Selected Organizations Staff

Loan Feature Investment & Refinancing (Civilian – Selected Organization)
Purpose Settlement of debt and investment
Who Can Apply Staff from selected organizations
Tenure Minimum: 3 years
Maximum: 10 years
Financing Amount Minimum: RM5,000.00
Maximum: RM150,000.00 (Floating Rate)
Maximum: RM100,000.00 (Flat Rate)
Profit Rate Flat Rate:
– Without Ju’alah: 5.5% p.a
– With Ju’alah: 5.7% p.a
Floating Rate: BFR + 1.8% (capped at 11%)
Mode of Payment a) Auto debit from net salary via BMMB Current/Saving Account
b) Salary deduction at source by employer
Will Writing (Wasiat) Compulsory
Takaful Compulsory
Guarantor Not required
Documents Required • Copy of NRIC (front and back)
• Latest 1-month salary slip (Flat Rate)
• Latest 3-month original salary slips (Floating Rate)
• Employment confirmation letter
• Settlement statement
• Investment statement (if applicable)

Note:

  1. Customer’s not a Bankruptcy during apply Bank Muamalat Malaysia Berhad BMMB financing
  2. Terms and conditions apply

2.45% Interest Rate

Among the advantages that you can enjoy if you apply for low interest personal financing as follows:

  • Competitive profit rates from 2.45%
  • Fast approval process of 3-5 working days.
  • The maximum amount of financing is RM400,000.
  • Flexy financing period 2-10 years.
  • Fresh loan is allowed.
  • Applicants with blacklisted records CCRIS CTOS are encourage to apply.

Annual 3.69% (Blacklisted)/p.a

  • Max financing RM400K
  • Loan tenure 2-10 years
  • CCRIS CTOS is eligible. Bank will settle your blacklist
  • Basic salary RM3,000
  • Minimum document needed
  • Auto debit or pay slip salary deduction

 

*Source from Bank Muamalat Malaysia Berhad website

 #personalloan #Bank #BankMuamalat 

Takaful and Shariah Concepts

Bank Muamalat Personal Financing-i (Tawarruq) is a financing facility that is designed to provide cash financing to the customers for personal consumption/ use which does not contravene with the Shariah principles.
Generally, this product is based on Tawarruq as its underlying Shariah concept for provision of financing.

The financing structure under the Tawarruq arrangement involves the combination of Wa’d Mulzim, Murabahah, Wakalah and Bai’ Wadhi’ah contracts.

Tawarruq consists of two sale and purchase contracts where the first involves the sale of an asset by a seller to a purchaser on a deferred basis. Subsequently, the purchaser of the first sale will sell the same asset to a third party on a cash basis.

Murabahah refers to a sale and purchase of an asset where the acquisition cost and the mark-up are disclosed to the purchaser.

Wakalah means a contract in which a party (muwakkil) authorises another party as his agents (wakil) to perform a particular task, in matters that may be delegated, either voluntarily or with imposition of fee.
Wa’d refers to an expression of commitment given by one party to another to perform certain action(s) in the future.

Bai’ Wadhi’ah is a sale contract whereby the asset / commodity is sold at lower price than the cost incurred by the Customer.

Company Panel List

Bank Muamalat Company Panel List
Bank Muamalat Company Panel List

The following is the list of eligible Bank Muamalat panel companies. It includes more than 500 organizations, comprising government agencies, selected statutory bodies, and approved private companies. Please find the full panel list below.

Government

  • Ministry of Finance (Incorporated)
  • Khazanah Nasional Berhad
  • Employees Provident Fund (KWSP)
  • Lembaga Tabung Haji (TH)
  • Kumpulan Wang Amanah Pencen (KWAP)
  • Permodalan Nasional Berhad (PNB)
  • Lembaga Tabung Angkatan Tentera (LTAT)
  • Agensi Inovasi Malaysia
  • Agensi Kelayakan Malaysia
  • Akademi Sains Malaysia
  • Fama Corporation Sdn Bhd
  • Indah Water Konsortium
  • Bank Negara Malaysia (BNM)
  • Lembaga Kemajuan Wilayan Pulau Pinang (PERDA)
  • Chief Minister of Penang (Incorporated)
  • Lembaga Lebuhraya Malaysia (LLM)
  • Felcra Berhad
  • Perbadanan Kemajuan Kraftangan Malaysia
  • Permodalan Kelantan Berhad
  • Perbadanan Menteri Besar Kedah
  • Perbadanan Menteri Besar kelantan
  • Perbadanan Baitulmal Negeri Sabah
  • SIRIM Berhad
  • Universiti Malaysia Pahang
  • Universiti Utara Malaysia (UUM)
  • Universiti Malaysia Perlis
  • Universiti Sains Malaysia (USM)
  • Suruhanjaya Koperasi Malaysia
  • Suruhanjaya Koperasi dan Multimedia Malaysia
  • Suruhanjaya Syarikat Malaysia (SSM)
  • Suruhanjaya Sekuriti
  • Tekun Nasional
  • Suruhanjaya Hak Asasi Manusia
  • Suruhanjaya Persaingan Malaysia

Company & GLC

  • Axiata Group Berhad
  • Bina Darulaman Berhad
  • Bintulu Port Holdings Bhd
  • Bursa Malaysia Berhad (BSKL Kamariah dah Resign)
  • Gamuda Berhad
  • IJM Corporation Berhad
  • Malaysia Airline System Berhad
  • MISC Berhad
  • Petronas Dagangan Berhad
  • Petronas Gas Bhd
  • Petronas Chemical Bhd
  • Petronas Chemical Group
  • Pharmaniaga Berhad
  • MRCB Berhad
  • Sime Darby Berhad
  • Sime Darby Plantation Berhad
  • Sime Darby Property Berhad
  • SP Setia Berhad
  • Takaful Malaysia
  • Perodua Engine Manufacturing Sdn Bhd
  • Perodua Manufacturing Sdn Bhd
  • Perodua Sales Sdn Bhd
  • Puspakom Sdn Bhd
  • Putri Specialist Hospital Sdn Bhd
  • Padiberas Nasional Berhad
  • Pelabuhan Tanjung Pelepas Sdn Bhd
  • Sabah Port Sdn Bhd
  • Glenmarie Gold and Country Club
  • Edaran Otomobil Nasional Berhad
  • Kijang Kuari Sdn Bhd
  • Sedafiat Sdn Bhd
  • Rangkaian Teratai Sdn Bhd
  • Lembaga Pertubuhan Peladang (LPP)
  • Lembaga Totalisator Malaysia
  • Majlis Agama Islam Negeri (MAINS)
  • Lembaga Perusahaan Timah
  • Majlis Agama Islam Wilayah Persekutuan (MAIWP)
  • Melaka State Development Corporation
  • Pahang State Development Corporation
  • Penang State Development Corporation
  • Perak State Development Corporation
  • Perbadanan Putrajaya
  • Perbadanan Stadium Malaysia

Company & GLC

  • Telekom Malaysia
  • Tenaga Nasional Berhad (TNB)
  • UEM Group
  • UEM Sunrise Berhad
  • UEM Holdings Berhad
  • Velesto Berhad (formerly known as UMW Oil and Gas)
  • DRB Hicom and all its subsidiaries
  • Malakoff Corporation Berhad
  • Kontena Nasional Berhad
  • Mitsubishi Motor Malaysia Sdn Bhd
  • MMC Corporation Berhad and its subsidiaries
  • Penang Port Sdn Bhd
  • Proton Holding Berhad
  • Senai Airport City Sdn Bhd
  • Tanjung Bruas Port Sdn Bhd
  • Tradewinds Corporation and its subsidiaries
  • Kolej Yayasan Melaka Sdn Bhd
  • Syarikat Air Johor (SAJ)
  • Uni.Asia Life Insurance Berhad
  • USF-HICOM (Malaysia) Sdn Bhd

For full list, please click pictures below:

2022 Bank Muamalat Loan Company Panel List
2022 Bank Muamalat Loan Company Panel List
2022 Bank Muamalat Loan Company Panel List-2

Contact Bank Muamalat

Bank Muamalat (BMMB)
Bank Muamalat (BMMB)
Location and Address

Banks in Malaysia

Bank Muamalat Malaysia Berhad
Ibu Pejabat, Menara Bumiputra,
21 Jalan Melaka,
50100 Kuala Lumpur

Call Center

+603-2600 5500

Hot & Trending Topic

Looking to take control of your loans and spend smarter? We’ve got you covered with practical tips on handling bank loans, co-op financing, and managing your money with ease.

Ready to make better financial choices? Tap here to start your journey toward smarter spending.

Baca Lagi

More posts

error: Content is protected !!