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.

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

Financing Quantum

  1. Based on eligibility limit and subject to minimum of RM10,000 and maximum amount of RM150,000
  2. Financing RM30,000 and below – without guarantor
  3. Financing more than RM30,000 – one guarantor

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

Package

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

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.

 

*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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