Looking for affordable personal financing? Alliance Bank offers a limited-time online exclusive rate of just 3.99% p.a. with minimal fees and fast approval. Whether you’re planning for the festive season, consolidating debt, or funding a big purchase — this is your chance to save more. Apply online today and lock in your low-rate financing before the offer ends!
Personal Loans
Alliance 3.99%
Key Benefits
Exclusive rate of 3.99% p.a. for online applications only.
Low interest/profit rates starting from 3.99% p.a. on a flat rate basis.
Low monthly instalments to fit your budget.
Eligibility Requirements
Malaysian citizens or residents working and residing in Malaysia.
Age: Must be between 21 to 60 years old (at the time of loan maturity).
Income: Minimum gross monthly income of RM5,000 or RM60,000 per annum.
Required Documentation (for Government Servants / Private Employees)
EPF statement.
Latest pay slip.
Latest bank statement showing income crediting.
How to Apply
Apply online today to get your fast approval and enjoy the exclusive low rates available only for online applications.
Why Choose?
Quick approval process when applying online.
Affordable monthly instalments to manage your finances with ease.
Exclusive low interest rates available only for online applications.
Competitive rates with minimal administrative costs.
Fast turnaround time for quick approval.
Finance for the right equipment to propel your business forward.
General Working Capital-i
Provides funds for day-to-day business operations.
Helps with the purchase of stock, managing overheads, and supporting other business activities.
Designed to meet your working capital needs.
Business Premises Financing-i
Financing available for commercial properties or refinancing existing properties.
Flexible financing tenures to suit your needs.
High financing margins to give your business a boost.
Bridging Finance-i
Helps bridge cashflow issues during construction.
Supports developers by ensuring cashflow is maintained until the receipt of sales proceeds from end-purchasers and financiers.
Ensures the continuation of development projects until completion.
Palm Oil Plantation Financing-i
Tailor-made product for oil palm plantation businesses.
Covers needs ranging from land purchases to development costs and working capital.
Government Assistance Schemes-i
Special financing schemes available for SMEs.
Government funds designed to support business growth and development.
These business loan types offer a variety of solutions to help you manage cash flow, grow your business, and achieve your goals. Whether you need equipment, working capital, or assistance with property financing, Alliance Bank is here to support your business success.
Alliance Bank with Koperasi Pusamaju
The personal loan from Alliance Bank with Koperasi Pusamaju is one of the most popular financing options among civil servants in Malaysia. This cooperation between Koperasi Pusamaju and Alliance Bank offers a personal loan with highly attractive interest rates, which is why many flyers about this loan are often seen in various places such as motorcycle baskets, car windshields, and door handles.
History and Popularity
Koperasi Pusamaju, officially known as Koperasi Pembangunan Usahasama Masyarakat Maju Sabah Berhad (Kopusamaju), has been in partnership with Alliance Bank since 2002. Initially based in Sabah, the cooperative now has branches in Kuala Lumpur and Kuching. The popularity of this personal loan peaked when many flyers and pamphlets were distributed among civil servants, particularly in areas they frequently visit, such as Klinik Tanglin Kuala Lumpur.
Moreover, Pusamaju flyers stand out from others due to the use of thick colored paper and high-quality prints, unlike most personal loan flyers that are typically black and white.
Key Benefits
Very attractive interest rates: 3.99% FLAT RATE for a loan term of 20 years.
Fast approval process (though sometimes it can take up to 4-6 weeks due to a high volume of applications).
High payout rate of 94% after deducting an advance of 3 months.
Repayment is deducted directly from salaries through Biro Angkasa (Salary Deduction).
Criteria and Terms
To apply, the following criteria must be met:
Profit rates: 3.4% to 4.8% (depending on current promotions).
Loan term: Up to 20 years.
High payout: 94% after deducting advance 3 months.
Approval process: Typically takes 3-4 weeks.
Eligibility for CCRIS/CTOS: Eligible to apply.
Repayment: Through salary deduction via Biro Angkasa.
Note: The promotion for this loan is currently closed temporarily. Please check the official website for updates on the latest promotions.
Why Choose?
The successful partnership between Pusamaju and Alliance Bank has created a highly effective and trusted financing option for civil servants.
The loan offers not just low-interest rates, but also an easy approval process and flexible repayment options.
The promotions, such as 3.99% interest rate and a 20-year repayment period, make it a top choice for individuals seeking long-term financing.
Looking for a personal financing solution that fits your lifestyle? UOB Bank offers competitive interest rates, fast approval, and flexible repayment plans designed for government employees, GLC staff, and selected professionals. Whether you’re planning a major purchase, consolidating debt, or funding personal goals, UOB makes it simple and stress-free.
Popular Personal Loans
UOB 9.99%
Whether it’s for new house’s downpayment, a lucrative business opportunity or investment, further education or even home renovation you’ve been planning, regardless of reasons UOB Bank Personal Loan lets you have the extra money and freedom to do more.
Monthly Income
Monthly Income
Interest Rate
Salaried
Self-Employed
11.99% p.a.
RM2,000 < RM4,000
RM3,000 < RM6,000
10.99% p.a.
RM4,000 < RM7,000
RM6,000 < RM8,000
9.99% p.a.
RM7,000 and above
RM8,000 and above
0.83% is rounded to the nearest 1 decimal point from 0.833%, based on interestrate at 9.99% p.a.
Loan Amount: up to RM100,000
You can choose from a minimum loan of RM5,000 up to a maximum of RM100,000 cash (50,000 for self-employed applicants).
It gives you the flexibility to opt for a loan tenure that suits your financial style. Our flexible repayment loan tenure options are:
12
18
24
30
36
42
48
54
60
months
Monthly Installment Plan
UOB Bank with low monthly installment.
Enjoy low monthly installment as alow as RM124.96*. For repayment schedule, please scroll to the bottom of the page.
No Processing Fee, No Guarantor and No Collateral
Hassle-free as you do not have to pay Processing Fee and there is no guarantor or collateral requirement.
Hassle-Free Application
Application for UOB is hassle-free. You simply do not require collateral or a guarantor. Just submit your application form with supporting documents and we will do the rest.
Interest Rate
9.99% p.a.
RM5,000
RM25,000
RM50,000
RM75,000
RM100,000
12 months
458.29
2,291.46
4,582.92
6,874.38
9,165.83
24 months
249.96
1,249.79
2,499.58
3,749.38
4,999.17
36 months
180.51
902.57
1,805.14
2,707.71
3,610.28
48 months
145.79
728.96
1,457.92
2,186.88
2,915.83
60 months
124.96
624.79
1,249.58
1,874.38
2,499.17
Interest Rate
10..99% p.a.
RM5,000
RM25,000
RM50,000
RM75,000
RM100,000
12 months
462.46
2,312.29
4,624.58
6,936.88
9,249.17
24 months
254.13
1,270.63
2,541.25
3,811.88
5,082.50
36 months
184.68
923.40
1,846.81
2,770.21
3,693.61
48 months
149.96
749.79
1,499.58
2,249.38
2,999.17
60 months
129.13
645.63
1,291.25
1,936.88
2,582.50
Interest Rate
11.99% p.a.
RM5,000
RM25,000
RM50,000
RM75,000
RM100,000
12 months
466.63
2,333.13
4,666.25
6,999.38
9,332.50
24 months
258.29
1,291.46
2,582.92
3,874.38
5,165.83
36 months
188.85
944.24
1,888.47
2,832.71
3,776.94
48 months
154.13
770.63
1,541.25
2,311.88
3,082.50
60 months
133.29
666.46
1,332.92
1,999.38
2,665.83
**Based on RM5,000 loan amount on 5 years repayment period
*Source from UOB malaysia website
Contact Us
Tel: 03-2612 8121
Menara UOB Bank Jln Raja Laut, Kuala Lumpur City Centre, 50350 Kuala Lumpur
RHB Bank is providing the best personal loans to government servants and private sector. Max RM150,000. Instant approval. Apply now!
Introduction
Whether it is to celebrate life’s big moments or exploring life’s opportunities or start something meaningful, our personal financing can assist you in achieving your dreams. In fact, you can also consolidate your debts with us to better manage your finances and provide for your loved ones’ needs.
Popular Personal Loans
RHB 8.18%
Eligibility
Private Sector
Profit Rate: As low as 8.18% p.a. (equivalent to 15% p.a.)
Benefits: Financing of up to RM150,000
On-the-spot approval and disbursement
As low as RM 57.54/month
Up to 7 years tenure
Debt consolidation
Monthly Repayment Method
Self-payment
Auto debit instructions
Instant approval & disbursement
RHB Personal Financing is an option that is convenient and flexible at the same time, with reasonable interest rates for an affordable monthly installment repayment.
You may download the RHB Bank Personal Loan PF Forms here. Complete the form and send it back to us. Get RHB Personal Financing for an ideal lifestyle! For as low as RM57.54* per month, get RM2,000 and more! Sign up now to enjoy these key benefits:
Stretch it out to 7 years
Repayment period from 1 to 5 years
Financing amount from RM2,000 to RM150,000
Financing amount capping and Interest Rates as below
*The rates stated above are based on a flat rate and vary according to the repayment period from 12 months onwards.
Tier 1: from 13.45%p.a. flat that is equivalent to EIR 24% p.a;
Tier 2: from 11.66% p.a. flat that is equivalent to EIR 21% p.a.;
Tier 3: from 9.91% p.a. flat that is equivalent to EIR 18% p.a.;
Tier 4: from 8.18% p.a. flat that is equivalent to EIR 15% p.a.
The EIR (effective interest rate) may be higher if the monthly payment is not reqular.
For Government Servants
Criteria:
No advance payment
Promotion rate as low as 4.20% (flat rate)
Loans from RM2,000 to RM150,000
Repayment Tenure from 2 to 10 years
No guarantor needed
*Terms and conditions apply
For Private
Get access to funds, easier and faster. Contact the nearest branches today for more details.
RHB offers fast and convenient personal financing-i for employees in the private sector, providing an easy solution to immediate financial needs.
Features and Benefits:
Loan Amount: Up to RM150,000.
Repayment: Affordable monthly repayments starting as low as RM57.54.
Tenure: Flexible tenure options up to 7 years.
On-the-spot Approval and Disbursement.
Debt Consolidation options available for managing existing loans.
Terms and Conditions
Eligibility:
Profit Rate: Starting from as low as 8.18% p.a. (equivalent to 15% p.a. flat).
Loan Amount: From RM2,000 to RM150,000.
Instant Approval and Disbursement.
Repayment Tenure: Flexible terms ranging from 1 to 7 years.
Repayment:
Self-payment or Auto-debit available.
Debt Consolidation option to streamline multiple loan repayments.
Financing Tiers
RHB offers different financing tiers based on loan amount and repayment duration. Here’s a breakdown of the available options:
Tier 1: Financing of RM2,000 – RM10,000
Interest Rate: 13.45% p.a. flat (equivalent to 24% EIR).
Maximum Tenure: 5 years.
Tier 2: Financing of RM11,000 – RM50,000
Interest Rate: 11.66% p.a. flat (equivalent to 21% EIR).
Maximum Tenure: 7 years.
Tier 3: Financing of RM51,000 – RM99,000
Interest Rate: 9.91% p.a. flat (equivalent to 18% EIR).
Maximum Tenure: 7 years.
Tier 4: Financing of RM100,000 – RM150,000
Interest Rate: 8.18% p.a. flat (equivalent to 15% EIR).
Maximum Tenure: 7 years.
Why Choose?
Flexible Loan Amounts: From RM2,000 to RM150,000.
Affordable Monthly Repayments: Starting from as low as RM57.54/month.
Long Repayment Tenure: Up to 7 years.
Competitive Interest Rates: Starting from 8.18% p.a. (flat rate, equivalent to 15% EIR).
Take control of your financial goals and enjoy RHB Personal Financing‘s competitive rates, easy repayment terms, and flexible financing options.
Customer Care Centre
Our customer service team is your first point of contact for raising complaints or providing feedback. Talk to our staff at your nearest Branch or call our Customer Care Centre. We will do our best to help resolve any issue you may have. Phone: 03-9206 8118 / Email: customer.service@rhbgroup.com. For email communications, we appreciate if you can include the following details within your email for us to serve you more efficiently:
MyKad Identification Number/Passport Number
RHB Bank Account Number
Contact Number
Our specialist will work closely with you to resolve any complaint you may have quickly and amicably. If you have a compliment or suggestion, they will ensure your feedback is shared with the relevant teams. Upon received of your complaint/feedback, our customer service officer will contact you within 2 working days and we’ll attempt to resolve it as promptly as possible.
*For Insurance related matters, please call 1300-220-007 from Monday to Thursday (8.45am – 5.4pm) and Friday (8.45am – 5.45pm). Alternatively, visit our RHB Bank Insurance page for more information.
*Source from RHB Bank malaysia website
Contact Us
To learn more or apply for personal financing, visit the nearest RHB Bank branch or contact our customer service team:
Address: Ground Floor, RHB Bank Centre, 426, Jln Tun Razak, Kelab Golf di Raja Selangor, 50400 Kuala Lumpur.
Customer Service:
Phone: 03-9206 8118
Fax: 03-9281 3030
Email: customer.service@rhbgroup.com
Additional Tips for a Smooth Application:
Ensure all required documents are ready to avoid delays.
Review the loan terms thoroughly before applying.
RHB Personal Loans offer flexibility, affordability, and quick access to funds. Whether you are a government servant or a private sector employee, RHB’s range of personal financing options is designed to meet your financial needs. Apply today and take the first step towards securing your financial future!
Looking for ethical and flexible financial solutions? KFH offers Shariah-compliant personal financing tailored for government employees, GLC staff, and selected professionals. With competitive profit rates, no guarantor required, and fast approval, KFH is your gateway to financial peace of mind.
Whether you’re consolidating debt, planning a major purchase, or funding personal goals—KFH makes it simple, secure, and Syariah-compliant.
Global expertise. Local trust. Islamic banking at its finest.
Ready to apply? Read more to check your eligibility and start your application today.
Popular Personal Loans
Cashline-i
This promotion is called Murabahah Cashline-i Kuwait Finance House KFH
Top key features and benefits
Flexible:Withdrawal
No Minimum: Monthly Payment
Competitive: Pricing
Shariah Concept: “Murabahah Tawarruq”
High: Margin of Advance
Get instant cash without touching your existing deposits or investments! Whether it’s for urgent payments, education expenses, business or other commitments, we will provide you the extra flexibility and peace of mind to manage these common cash-flow needs with our Personal Loan Kuwait Finance House KFH Cashline-i.
Account Benefit
Flexible cash withdrawal anytime via cheque, Debit Card, ATM or at any of our branches.
No minimum monthly payment. You will only pay profit charges on the money you use. Only settle the full amount within the agreed time frame.Profit rate is based on utilised amount only.
No charges imposed on the unutilized portion. Competitive pricing. High margin of advance. No guarantor needed.
Fee
Brokerage Fee: Proportionate as per the financing amount. Stamp Duty: 0.5% of the financing amount. Takaful: As per customer’s profile (age, gender, tenure, etc).
Eligibility
Individuals aged 21 years old or up to 2 years before retirement age (60 years old).
Malaysian resident.
Owns any permissible assets which are acceptable to KFH Malaysia and free from any encumbrances.
For personal use or short term working capital.
Minimum tenure of 2 years and up to 5 years, subject to annual review.
Minimum of RM5,000 financing amount and a maximum of RM250,000.
Profit Rates
Base Rate plus margin subject to Contracted Ceiling Rate. Customer will be charged daily, based on the utilised amount calculated at Profit Rate and realised on a monthly basis.
Required Documents
Salaried earners:
Latest 3 months payslip.
Latest EPF Statement (must show latest 3 months contribution).
Other documents on case-to-case basis.
Own Business:
Latest B/e-Tax form with tax payment receipts, or EPF statements (must show at least 6 months contribution) or a copy of latest Audited Financial Statements.
Business Registration Form.
Additional documents such as latest 6 months Company bank statement; or Proprietor bank statement and latest 3 months Personal bank statement.
Other documents on case to case basis.
Financing-i Generic
Top key features and benefits
Up To RM250,000: Financing
2 to 10 Years: Tenure
Competitive: Financing Rates
Shariah Concept: “Murabahah Tawarruq”.
No: Guarantors Necessary
Lifestyles
Planning for a dream wedding or vacation you’ve always wanted? Need funds for the start-up you have in mind? Kuwait Finance House KFH Personal Financing-i is the best possible way to get you started.
Account Benefits
Financing up to RM250,000.
Flexible tenure from 2 to 10 years.
Competitive profit rates.
No guarantors needed.
“Takaful” protection for total peace of mind.
Easy payment via Interbank GIRO (IBG) or Interbank Fund Transfer (IBFT).
No early settlement penalty.
Fee
Brokerage Fee: Proportionate as per the financing amount.
Stamp Duty: 0.5% of the financing amount.
Takaful: As per customer’s profile (age, gender, tenure, etc).
Eligibility
Confirmed and permanent staff. Working with multinational companies, public limited companies, government-linked companies and their subsidiaries.
Individuals aged 21 years or up to 2 years before retirement age (60 years old).
Malaysian resident. Minimum gross monthly income of RM3,000.
Required Documents
Salaried earners:
Latest 3 months payslip.
Latest EPF Statement (must show latest 3 months contribution).
Other documents on case to case basis.
Own Business:
Latest B/e-Tax form with tax payment receipts, or EPF statements (must show at least 6 months contribution) or a copy of latest Audited Financial Statements.
Business Registration Form.
Additional documents such as latest 6 months Company bank statement, or Proprietor bank statement and latest 3 months Personal bank statement.
Other documents on case to case basis.
Payout 100%
The waiting is over for you to get 100% payout. Now you can either get this deal right away before it ends soon. Process by Coshare. Payout 100% with loan amount up to RM200,000. Interest rate only 3.88% per annum. Salary deduction. Fresh loan or overlap. Interest rate just 3.88% p.a.
Advantages
Among the advantages that you can enjoy:
Competitive profit rates only 3.88% flat rate.
The maximum amount of financing is RM200,000.
Financing period from 2-10 years.
Fresh loan is allowed.
Customer who like to overlap loan is encourage to apply.
Payment via salary deduction (on pay slip).
Easy documentation.
Criteria – Cost of Living
Cost of Living = RM 1,000+
Total Income < RM 3,000, DSR 60%
Total Income RM 3,001 – RM 5,000, DSR 70%
Total Income> RM 5,001+, DSR 80%
Loan Amount
Loan can be applied = RM 10,000 – RM 200,000 (must settle the old Coshare account if the customer has a Coshare loan under KFH fund).
Bank Islam Malaysia Berhad (BIMB) offerings Personal Financing Loan for permanent and contract for Government and Business Loan. Find out more. Apply now!
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
Up to 100% if secured against fixed deposit
Up to 80% if secured against structured investment
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
Up to 100% if secured against fixed deposit
Up to 80% if secured against structured investment
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- 3 years: 4.20% p.a. (Profit is calculated on a monthly basis based on “Sum of Digit”).
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])
1-3 years: Base Rate (BR) + 2.38% p.a. (Profit is calculated on a daily basis based on “Monthly Rest”).
4-10 years: Base Rate (BR) + 3.02% p.a. (Profit is calculated on a daily basis based on “Monthly Rest”).
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)
1-10 years: 5.99% p.a. (Profit is calculated on a monthly basis based on “Sum of Digit”).
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.
Revised BR (effective date 10 May 2019) is 3.77% p.a
Eligibility & Requirements
Eligibility (Salary Earner)
Applicant must be 25 years old and not exceeding the retirement age at the end of payment period
Malaysian citizen
Fixed income earner with a minimum gross income of RM2,000 per month
Minimum tenure in service:
Permanent Staff: 6 months
Contract Staff: 2 years (Government only)
Eligibility (Sole Proprietorship or Partnership)
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)
Malaysian citizen
Earning a minimum gross monthly income of RM2,000 and above
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.
Looking for a reliable and Shariah-compliant personal financing solution? AgroBank Cash-i offers up to RM200,000 in financing exclusively for government employees and selected GLC staff. With competitive profit rates and flexible repayment options, it’s the smart way to access funds when you need them most.
Introduction
Tawarruq
The implementation is based on the Tawarruq transactions.
Eligibility Criteria
Age Requirement
Government Employees Age between 18 to 60 or up to retirement age whichever is earlier
GLC Staff Age between 21 to 60 or up to retirement age whichever is earlier
Eligibility
Government Employees Permanent and have served for at least 6 months (confirmed or under probation)
GLC Staff Permanent staff and has been confirmed with at least one year of service
Min. Salary Requirement
Government Employees RM1,000 gross salary per month
GLC Staff RM2,000 gross salary per month
Takaful Coverage
Customer is encouraged to take Skim Takaful Kredit
Popular Personal Loans
Cash-i
Cash-i criteria as below:
Financing Limit: Government Employees: Maximum RM200,000 GLC Staff: Maximum RM200,000
Financing Tenure: 10 years maximum
Profit Rates: (Subject to eligibility and current changes)
*Profit rate is subjected to eligibility and current conditions changes. Profit rates are as below:
FEDERAL GOVERNMENT: Tenure Profit Rate: Up to 3 years BR + 2.85% p.a ; 4 to 10 years BR + 3.35% p.a
STATE GOVERNMENT/STATUTORY BODY/PIHAK BERKUASA TEMPATAN & GOVERNMENT LINK COMPANY
Tenure Profit Rate Up to 3 years BR + 3.22% p.a ; 4 to 10 years BR + 3.67% p.a
FOR APPLICATION THAT HAS UNSATISFACTORY CREDIT ASSESSMENT
Tenure Profit Rate Up to 10 years BR + 4.25% p.a; Profit rate charged is dependent on the following criteria:
Existing and new customer
Good track record as per CCRIS which not exceed MIA-2 for the past 12 months.
Salary deduction through BPA
No Rescheduling and Restructuring (R&R) status.
No Special Attention Account (SAA)
Ceiling Profit Rate (CPR): – BR + 7.15% p.a or 10% p.a whichever is higher for the calculation of Sale Price
Effective Profit Rate (EPR): – At the current profit rate and did not exceed CPR and calculated based on monthly balance
Note: Current BR is at 3.60%
Fee & Charges
Stamp Duty As per the Stamp Act 1949 (Revised 1989).
Advanced Installment
Advance payment of installments equivalent to three (3) month installment which shall be used as payment of default under the financing.
Advance installments shall be deducted from the financing amount.
Advance payment can only be taken prior to financing is matured or settled.
Brokerage Fee RM 30 per transaction (Subject to Service Tax at rate of 6% (if applicable)
Note: The Bank will notify the Customer at least 21 days before effective date should any changes is made to the fees and charges.
Looking for the best personal loan in Malaysia? OCBC Bank offers Shariah-compliant financing, competitive interest rates, and flexible monthly payments—perfect for your financial needs. Apply today and enjoy hassle-free approval backed by trusted banking excellence.
Get started now with OCBC personal loan—your smart choice for affordable financing!
Overview
OCBC Bank that all you need. Apply now and get rewarded with great deals. Do let us know if you have any inquiries about this matter.
OCBC Al-Amin offers simple and easily accessible Shariah compliant personal loan/financing service that have your best interest in mind. The suite of products give you advance cash at affordable rate and monthly payment to lighten your financial burden.
Everything you need, and nothing you don’t
Popular Personal Financings
Al-Amin
Our tailor-made Al-Amin cash financing solutions give you:
Fast approval. Fast cash.
No collateral. No guarantor.
Financing amount of up to RM150,000.
Fixed monthly instalments from as low as RM100 per month.
Extended financing tenure up to 10 years.
*source from OCBC Bank malaysia website
Overdraft
Pledge your assets for extra cash
Get standby funds up to the approved credit limit
Access extra cash
Interest is charged only on amount used, depending on collateral pledged
Interest rates are dependent on the collateral pledged. Call us at 03 8317 5000 for more information.
Consult our customer service officers and get free advice for your education loan needs with no obligations.
Get the best financing from Bank Simpanan Nasional (BSN) — up to RM200,000 for civil servants, armed forces personnel, and the private sector. Everyone is eligible. Enjoy a fast, Shariah-compliant process. Apply now and unlock your financial potential.
Introduction
This BSN is based on the Shariah concept Tawarruq which comprises of Bai Murabahah and Wakalah contracts, using the commodity (underlying asset) from Bursa Suq al Sila’.
Terms and Conditions
Malaysian citizens aged from 21 years old to 65 years old (for Medical Doctors) 50 years old (for Medical Officers)
Minimum gross income of RM3,000.00 per month.
BSN GIRO/i account holder.
Still looking for the right home financing package or personal loan financing plans? With our competitive rates and packages, you’ll find what you need here at BSN.
Vehicle Financing: MyAuto-i, MyAuto-i UsedCar, High Ranking Officials Scheme
Popular Personal Loans
Executive-1
An exclusive personal loan package catered especially for executives.
Applicant Eligibility
Must be Malaysian citizen aged 21 to 55 / 60* years old at the end of the loan tenure. The application is dedicted to permanent & contract officers and staff that have minimum three (3) years of working experience.
Offered only to employees of Premier Developer Panel, Private Hospital, Telecommunication Company, Licensed Financial Institution, Multinational Company, PETRONAS Group of Companies, Selected Private University & College, Statutory Body, Government Link Company, Selected Public Listed Company in Main Market Bursa Malaysia (Financial, Plantation, Property, Technology, Trading / Service, Industrial Product, Consumer Sectors only) and Professionals (Doctor, Architect, Lawyer, Accountant and other certified Professionals).
Minimum gross income of RM3,000 per month (permanent staff) & RM10,000 per month (contract staff) and BSN GIRO / GIRO-i Account holders.
Note: *Subject to employer confirmation.
Documents Required
A copy of latest three (3) months’ Salary Slips; A copy of your NRIC (both sides); Latest EPF Statement; AND Confirmation Letter by Employer stating the below suh as Name and NRIC, Designation and Employment Status, Monthly salary and Date of Employment OR Latest EA / EC Statement and latest e-filing form or any verified documents by the Inland Revenue Board (LHDN). Note: *Subject to the current Terms & Conditions.
Product Features
Mode of payment is via standing Instruction from other Financial Institutions where the customer salary account is credited. BSN Standing Instruction. ATM/CDM and IBG (Interbank Giro).
Limit / Rate
No
Income
Interest Rate
Loan Limit
Tenure
1
RM3,000 to RM5,000
7.50%
Five (5) times of monthly gross income
Minimum: 2 years Maximum: 10 years
2
> RM5,000 to RM10,000
6.50%
Seven (7) times of monthly gross income
3
> RM10,000
5.50%
Ten (10) times of monthly gross income / maximum RM200,000 whichever is lower
Minimum Loan: RM10,000
Late Payment Charge
Monthly Instalments in Arrears×1%× Number of Days Overdue⁄ 365.
ASB Loan (SPD ASB) With Floating Rate
Get the funds you need quickly with BSN. Our personal loans are affordable and flexible- specially cater to your needs. ASB Loan is another form of term loan to purchase ASB unit trust.
Product Eligibility
All qualified ASB investors under the ASNB guidelines. Aged 18 to 60 years old at the end of the loan tenure. Permanent Employee or Self-employed.
Document Required
For Permanent Employee:
One (1) copy of NRIC (front and back). One (1) copy of ASB passbook. One (1) copy of latest two (2) months’ pay slip.
For Self-Employed:
One (1) copy of NRIC (front and back). One (1) copy of ASB passbook. One (1) copy of latest three (3) months bank statement.
Note: All document copies to be certified by BSN’s officer.
Limit/ Amounts
Loan amount will be in multiple of RM1, 000 and subject to the following limit :
Minimum
Maximum
RM10,000
RM200,000 Excluding other charges)
Financing Rates
Tenure
Interest Rate
5 – 30 years or subject to the maximum age of 60 years whichever is earlier.
BLR -1.65% Government’s servant who owns BSN’s salary account. (Installment through Standing Instruction) BLR – 1.60%Other categories of customer (Private or Government sector)
Late Payment Charge
Monthly installments in Arrears × 1% × Number of Days Overdue/ 365
Exec-1 with Floating Rate
An exclusive personal loan package offered from BSN only to employees of Premier Developer Panel, Private Hospital, Telecommunication Company, Licensed Financial Institution, Multinational Company, PETRONAS Group of Companies, selected Private University & College, Statutory Body, Government Link Company, selected Public Listed Company in Main Market Bursa Malaysia (Financial, Plantation, Property, Technology, Trading / Service, Industrial Product, Consumer Sectors only) and Professional (Doctor, Architect, Lawyer, Accountant, and other certified Professionals).
The best package for executive out there. Apply now and enjoy the benefit. All application must be subject to employer confirmation. The minimum gross salary requires with great benefit to enjoy. See product eligibility below.
Product Eligibility
Malaysian citizen. Aged 21 to 55 / 60* years old (subject to the retirement age). Open to Executive and above that has been employed ≥ 1 year. Minimum Gross Income: RM3,000 and above- Permanent Employee, RM10,000 and above – Contract Employee and BSN GIRO / GIRO-i account holder.
Note: *Subject to employer confirmation.
Documents Required
One (1) copy of NRIC (front and back);
One (1) copy of latest three (3) months’ pay slip.
Latest EPF statement; AND» Confirmation Letter by Employer stating info: Name- NRIC- Designation- monthly Salary- Date of Employment OR
Latest one (1) year EA / EC statement and e-filing form or any verified documents by the Inland Revenue Board (LHDN).
Note: » All document copies to be certified by BSN’s officer.
Limit (Minimum and Maximum)
Minimum: RM5,000
Maximum:
No.
Income
Loan Limit
1.
RM3,000 to ≤ RM5,000
Five (5) times of monthly gross income
2.
> RM5,000 to ≤ RM10,000
Seven (7) times of monthly gross income
3.
> RM10,000
Ten (10) times of monthly gross income / maximum RM200,000 whichever is lower
Financing Rates
Tenure
Interest Rate
Minimum: 2 years Maximum: 10 years subject to: i. The retirement age, whichever is earlier. ii. Customer qualification
BLR + 2% (monthly basis) Current BLR: 6.85% (effective as at 22nd July 2014)
Late Payment Charge
»Monthly installments in Arrears × 1% × Number of Days Overdue / 365.
SPD ATM
This personal loan BSN offer exclusively to Malaysian Armed Force Personnel. Malaysian citizen. Aged 21 to ≤ 60 years old (subject to retirement age during completion of the loan). Malaysian Armed Force (MAF) staff- Lieutenant or equivalent and above only. Permanent employee who has been employed for ≥3 months. Minimum gross income (basic salary + fixed allowance) of RM3,000 per month. Monthly salary payment MUST be through BSN e-Payment System. BSN GIRO/ GIRO-i account holder. Document required:
A certified copy of latest 2 months’ salary slips.
A certified copy of your NRIC (both sides).
Confirmation letter from your employer with the details: Name/ NRIC No.- Designation / Status- Monthly Gross Income- Date of Employment- Date of Retirement / Tarikh Tamat Perkhidmatan (TTP).
Letter of Consent and Undertaking for Salary Account Deduction.
Proof of having GIRO / GIRO-i account.
Loan Limit Min. and Max.
Min. 5k and max is RM200,000
Interest Rate
1 to 10 years: 4.5%
The rate on the principal balance of the Facility shall be changed to the Default Rate (6.50%) if you commit any of the following events: – early retirement from MAF services;– quit or resign from MAF services;– terminated by MAF;– change BSN Salary Account to other bank or financial institutions;– fail to pay any of the Instalments in accordance with the repayment schedule as stipulated by the Bank.»Default Rate (6.50%) will remain unchanged until end of the loan tenure.
BSN MyRinggit-i (Public Sector)
Shariah Concept
Based on the Shariah concept of Tawarruq which comprises of Bai Murabahah and Wakalah contracts using the commodity (underlying asset) provided by the approved commodity provider.
Terms and Conditions
Malaysian citizen aged 21 years old to 60 years old (subject to retirement age at the end of financing tenure).
Works in government sector / GLA / GLC / organizations which has the facility of salary deduction through BPA.
Minimum income of RM1,500 per month.
Permanent employee who has been employed for 3 months and above.
Our BSN MyRinggit-i Eksekutif-1 is exclusively designed to help you meet your personal financing needs at affordable rates.
Based on the Shariah concept of Tawarruq.
Financial Terms
Malaysian citizen aged 21 years old to 55 / 60* years old (subject to retirement age at the end of the financing tenure).
Open to permanent & contract officers and staff that have minimum one year of working experience.
Offered only to employees of Premier Developer Panel, Private Hospital, Telecommunication Company, Licensed Financial Institution, Multinational Company, PETRONAS Group of Companies, Selected Private University & College, Statutory Body, Government Link Company, Selected Public Listed Company in Main Market Bursa Malaysia (Financial, Plantation, Property, Technology,Trading / Service, Industrial Product, Consumer Sectors only) and Professionals (Doctor, Architect, Lawyer, Accountant and other certified Professionals).
Minimum gross income of RM3,000 per month (permanent staff) & RM10,000 (contract staff).
BSN GIRO/i Account holders.
Note: *Subject to employer confirmation
Financing Info
Int Fixed Rate
Loan Floating Rate
Profit Rate
6.00% to 8.50%
BR + 5.00%
Profit Rate Without Takaful
Additional 1% from the above profit rate
Financing Limit
IncomeFinancing Limit RM3,000 to RM5,000 5x of monthly gross income > RM5,000 to RM10,000 7x of monthly gross income > RM10,000 10x of monthly gross income/ maximum RM200,000 whichever is lower
Financing Tenure
Minimum: 2 years Maximum: 10 years
Method of Payment
BSN Standing Instruction
Terms & conditions apply.
MyRinggit-i PRIMA
Personal Financing BSN MyRinggit-i PRIMA is specially tailored to help medical practitioners secure the personal financing they need. No guarantor is required.
Shariah Concept
This personal financing is based on the Shariah concept Tawarruq which comprises of Bai Murabahah and Wakalah contracts, using the commodity (underlying asset) from Bursa Suq al Sila’.
Terms and Conditions
Malaysian citizens aged from 21 years old to 65 years old (for Medical Doctors) 50 years old (for Medical Officers)
Minimum gross income of RM3,000.00 per month.
BSN GIRO/ i-account holder.
*Source: mybsn.com.my
Contact Us
Bank Simpanan Nasional Wisma BSN, 117, Jalan Ampang, 50450 Kuala Lumpur
Al-Rajhi offering shariah compliant financing. Attractive rates and up to 10 years. Apply now!
Introduction
Al-Rajhi bank was founded by in 1958, based in Riyadh, Saudi Arabia and had been established in Malaysia and has many branches across the country. Internet banking services known as alrajhi 24 seven (Maybank and CIMB Bank with Maybank2u with Cimbclicks respectively) enable online transactions with ease. Personal loan Al-Rajhi Bank has indeed become so popular in last few years for its collaboration with the Cooperative Development Fund Berhad (KPUNB) and Kobeta has dominated the personal loans to government employees and statutory bodies.
Stay tuned for the latest info on personal loans latest promotions and updates. The most popular personal finance offers the lowest interest rate 3.99% and payout 99.1%.
This new product has not been started yet. You can still apply with the best cooperative such as Koperasi Gemilang Siswazah (kogemilang), Yayasan RCE Perlis, Koperasi Petronesa, Koperasi Kobena, Ikhtiar Destinasi, Coshare and many more.
Trust us. We will provide the best service to you. For applicants residing outside the Klang Valley, the form will be mailed to you. The application form needs to get approved by the employer / payroll unit. Open to permanent civil servants and police only. For private sector employees, you need to apply at the bank branch adjacent to obtain further information about the products and services provided.
Personal Financing-i
Need Funds for your Child Education, Home Renovation or Dream Vacations? Al Rajhi Personal Financing-i helps you to meet your financial requirements. Provides you the platform for you to obtain cash for personal use. Be it for home renovation or to meet your child’s education funds whereby our facility caters for such purpose.
Attractive rates as low as 6.99%* p.a. High financing limit up to 5 or 8 times your monthly income or RM150,000 whichever is lower Financing tenure of up to 8 years No guarantor required Financing product approved by Al Rajhi Bank Malaysia Shariah Board
*Terms and conditions apply.
Financing Basic Requirements
Minimum age: 25 years old
Minimum gross income: RM4,500* & above
*Subject to minimum annual income of RM60,000 & fixed income earner only
Personal Loan Rates & Charges
FEES TYPE, DETAILS
Stamp Duty: MCSA 0.5% ad-valorem
Takaful: Depends on the amount financing, tenure and age
Retrieval/ Photocopy of Security Documents
Actual cost
Lawyer’s fee for PF-Balance Transfer Programme
RM 21.20 upon each approved Balance Transfer Programme
BURSA transaction fee: As per Bursa Charges @RM15.90 per every RM 1,000,000.00
Redemption Statement Fee: RM 10.60 per request
Annual Financing Statement Fee: RM 5.30 per request (Ad-hoc)
*1st request for the year is FOC * All fees are inclusive 6% GST unless stated otherwise.
How to apply
Step 1 – Fax or email your NRIC, Military ID or Police ID and the Personal Financing-i application form
Step 2 – Our Financial consultants will assist you with your enquiries
https://koperasi.info and www.alrajhibank.com.my
Contact Us
Tel: +603 2332 6000
customersupport@alrajhibank.com.my
Fax: +603 2332 6062
Level 17 Menara Chan 138 Jalan Ampang 50450 Kuala Lumpur
Looking for a trusted Islamic financing solution? HSBC Amanah offers up to RM250,000 in Shariah-compliant personal financing for existing, premier, and new customers. Whether you’re planning a major purchase, consolidating debt, or funding personal goals, HSBC provides fast approval, transparent terms, and flexible repayment options.
Introduction
HSBC Amanah is one of the must get financing for existing, premier and new customer. HSBC is one of the world’s largest banking and financial services organizations. We serve more than 40 million customers through our global businesses: Wealth and Personal Banking, Commercial Banking, and Global Banking & Markets. Our network covers 64 countries and territories in Europe, Asia, the Middle East and Africa, North America and Latin America.
We aim to be where the growth is, connecting customers to opportunities, enabling businesses to thrive and economies to prosper, and ultimately helping people to fulfil their hopes and realize their ambitions. Listed on the London, Hong Kong, New York and Bermuda stock exchanges, shares in HSBC Holdings plc are held by around 197,000 shareholders in 130 countries and territories.
HSBC’s presence in Malaysia dates back to 1884 when the Hongkong and Shanghai Banking Corporation Limited established its first office in the country, on the island of Penang, with permission to issue currency notes. In 1959 it bought the Mercantile Bank, which started operations in Malaysia in 1860. Opened its office in Malacca in 1909 and by the end of 1912, offices had opened in Ipoh, Kuala Lumpur, Johor Bahru and Kota Bharu.
During the 1920s and 1930s, the bank opened more branches in several states – Sungai Petani branch in 1922, Kuantan in 1929, Muar in 1930, and Kuala Terengganu in 1936. In Sabah, the first branch opened in Kota Kinabalu in 1947. Branches were set up in Sandakan and Tawau a year later, followed by Labuan in 1957. In Sarawak, branches opened in Kuching in 1958 and 1964 and in Sibu in 1959. In 2006, was the first foreign bank to be awarded a licence to operate a Takaful (Islamic insurance) business in Malaysia.
HSBC Amanah Takaful (Malaysia) Sdn Bhd – a joint venture between HSBC Insurance (Asia-Pacific) Holdings Limited (49 per cent shareholding), Jerneh Asia Berhad (31 per cent shareholding) and Employees Provident Fund Board of Malaysia (20 per cent shareholding) – commenced operations in August 2006. In March 2019, exited the Takaful manufacturing business to focus on its banking and wealth operations in Malaysia.
In 2007, HSBC Bank Malaysia was the first locally incorporated foreign bank to be awarded an Islamic banking subsidiary license in Malaysia, and HSBC Amanah Malaysia Berhad, an Islamic bank wholly owned by HSBC Bank Malaysia, commenced operations in August 2008. Has a network of more than 60 branches, of which a third are HSBC Amanah Malaysia Berhad branches.
Popular Personal Loans
Financing up to RM250,000 | Monthly payment as low as RM109. Now you can embrace every new chapter in life with financial peace of mind. Enjoy exclusive profit rate11 view footnote 1 when you apply for HSBC Amanah Personal Financing-i today!
To Existing Customers
Whether it’s for your home or business, HSBC Amanah-i can help you meet your needs and reach your goals. Apply and enjoy flat rates as low as 7.5% p.a. today. You’re eligible if:
You’re aged between 21 and 60
Your monthly salary is RM3,000 and above
You are Malaysian or have Malaysian PR status
Criteria:
Profit rate from as low as 7.5% per annum
Monthly payment as low as RM109
Financing amount from RM50,000 to RM250,000
No stamp duty, no processing fee and no early settlement fee
Payment tenure 2 years till 7 years
Instant cash disbursement upon approval
Shariah compliant
Consolidate your debt
To Existing Premier Customers
Exclusive 4.88% p.a. flat profit rate when you sign up for HSBC Amanah Premier-i. You’re eligible for an Amanah Premier Personal Financing-i Account if:
To be qualified, a primary account holder must be at least 21 years old with a minimum of RM200,000 in total relationship balance with HSB or Amanah, or by meeting other Premier Eligibility Criteria.
Terms and Conditions
Fixed profit rate of 4.88% per annum
Monthly payment as low as RM96
Financing amount from RM6,000 to RM250,000
No stamp duty, no processing fee and no early settlement fee
Payment tenure from 2 years till 7 years
Instant cash disbursement into your HSBC or Amanah Premier* account upon approval
Shariah compliant
To New Customers
If you are not an HSBC Amanah Customer, you may still enjoy our benefits. Apply now to enjoy! You’re eligible for an Amanah Personal Financing-i Account if:
You’re aged between 21 and 60
Your monthly salary is RM5,000 and above
You are Malaysian or have Malaysian PR status
Terms and Conditions
Profit rate from as low as 10.5% per annum
Monthly payment as low as RM163
Financing amount from RM6,000 to RM120,000
No stamp duty, no processing fee and no early settlement fee
Payment tenure from 2 years till 5 years
Instant cash disbursement upon approval
Shariah compliant
Interest 10.5%
There are times when you need funds immediately. To secure an opportunity, fulfil a need in your lifestyle or maybe to handle life’s little twists and turns. HSBC Amanah-i is hassle-free personal financing that allows you to leap into what you want, faster and easier.
Benefits
Fast and hassle-free application
No guarantor, no collateral, fast approval.
Financing up to RM150,000
Monthly payment as low as RM134
Flat rate from 10.5% per annum
Payment period up to 7 years
Instant cash disbursement
**Terms and Conditions apply. Applicable for New-to-Bank customers only. Minimum income RM5,000 per month.
Eligibility
You’re eligible for an Amanah-i account if:
You’re aged between 21 and 60
Your monthly salary is RM3,0004 or above
You are Malaysian or have Malaysian PR status
Monthly salary of more than RM3,000 applies to existing customers who have any existing relationship with HSBC Amanah. Otherwise, the minimum monthly salary is RM5,000 per month.
Required documents
If you are salaried:
Copy of your NRIC
Copy of a current or previous month’s pay slip / copy of a bank statement showing salary credit into your account; or Form BE (full submission to the income tax department with payment receipts attached) / EA / EPF statement; or copy of an appointment letter (if employed less than three months)
If you are a variable income earner:
Copy of your NRIC
Copy of the latest 3 months’ pay slips / copy of your bank statement showing salary credits into the account
Form BE (full submission to the income tax department with payment receipts attached) / EPF statement / copy of your yearly commission statements from your employer
If you are self-employed:
Copy of your NRIC
Copy of latest Form B (full submission to the income tax department with payment receipts, or CPO2 attached) / EPF Statement / copy of your audited financial statement / profit and loss account
Copy of your Business Registration form
Financing-i (Education)
When it comes to your child’s education, it’s your dream to give them the best. With the help of our HSBC Amanah Branch Managers, you can now discover other financial opportunities with your available funds, ease your financial burden and fulfil not only your child’s dreams but yours as well.
Benefits
Apply for HSBC Amanah (Education) and enjoy:
Savings on school fees
Enjoy discounts when you make a full upfront payment instead of paying on a semester basis.
No early settlement fees
Enjoy the flexibility of a full payment before the official settlement date, without having to pay any additional charges. Better cash flow management
Enjoy access to available funds for other investments or financial opportunities.
Anytime Money Personal Financing-i is hassle-free personal financing that allows you to leap into what you want, faster and easier. Based on Shariah principle of Commodity Murabahah. And the best of it. No guarantor, no collateral and fast approval!
Apply your Hong Leong Bank personal loan now with easy payment and get 20% cashback on interest rate. Act now and enjoy the benefits only with HLB.
Introduction
Hong Leong Bank Berhad is a regional financial services company based in Malaysia, with presence in Singapore, Hong Kong, Vietnam, Cambodia and China. The Bank is technology-focused and emphasises the development of financial capabilities to serve its clients across the five geographies.
Hong Leong Bank Berhad (“HLB” or “the Bank”) is listed on Bursa Malaysia and forms part of the Hong Leong Group. Headquartered in Kuala Lumpur, the Bank has a strong Malaysian entrepreneurship heritage.
HLB was originally incorporated as Kwong Lee Mortgage and Remittance Company in 1905 in Kuching, Sarawak and later as Kwong Lee Bank Limited in 1934, bearing heritage of the oldest local financial institution in Malaysia.
Kwong Lee Bank Berhad was acquired by the MUI Group in May 1982 and renamed Malayan United Bank Berhad on 2 February 1983. In 1989, it was renamed as MUI Bank. Under the MUI Bank banner, it grew from 11 to 35 branches nationwide.
On 3 January 1994, Hong Leong Group acquired MUI Bank Berhad through Hong Leong Credit Berhad (now known as Hong Leong Financial Group Berhad) and renamed it Hong Leong Bank Berhad.
The Bank was listed on the Kuala Lumpur Stock Exchange (now under Main Market of Bursa Malaysia) on 17 October 1994 and since then has grown by leaps and bounds, organically as well as through mergers and acquisitions. Today the Bank is Malaysia’s fifth largest banking group by assets with over RM220 billion in assets as at 30 June 2020, and 4th largest by market capitalisation as at the same date.
Popular Personal Financings
For Online Applications
Our rate is on a flat rate basis
Facility Amount
Verified Monthly Income
Flat Interest/Profit Rate
Facility Tenure
RM5,000 – RM250,000
(up to RM150,000 Personal Financing-i)
RM2,000 – RM4,999
7.00% p.a.
2 to 5 years
Note: The effective interest/profit rates vary as follows for loan/financing-i tenure from 2 – 5 years:
Flat interest/profit rate 5.00% p.a.: Effective interest/profit rates vary from to 9.15% p.a. to 9.32% p.a.
Flat interest/profit rate 7.00% p.a.: Effective interest/profit rates vary from to 12.50% p.a. to 12.91% p.a.
0.50% of the facility amount will be deducted upon disbursement for stamp duty payable.
For Connect Online Banking Applications
Our rate is on a flat rate basis
Facility Amount
Verified Monthly Income
Flat Interest/Profit Rate
Facility Tenure
RM5,000 – RM250,000
(up to RM150,000 Personal Financing-i)
RM2,000 and above
5.00% p.a.
2 to 5 years
Note: Effective interest/profit rates vary from 9.15% p.a. to 9.32% p.a. depending on loan/financing-i tenures from 2 years to 5 years.
0.50% of the facility amount will be deducted upon disbursement for stamp duty payable.
For Online Applications from 5.00% /p.a flat rate
HLB interest/ profit rate for online applications from 5.00% /p.a flat rate
Effective interest/profit rates vary from to 9.15% p.a. to 9.32% p.a.
Facility Amount RM5,000 – RM250,000
Verified Monthly Income RM2,000 – RM4,999: 7.00% p.a.
Facility Tenure: 2 to 5 years
Note: The effective interest/profit rates vary as follows for loan/financing-i tenure from 2 – 5 years:
For Connect Online Banking Applications from 5.00% /p.a
HLB interest/ profit rate for Connect Online Banking Applications from 5.00% /p.a
Facility Amount RM5,000 – RM250,000
Verified Monthly Income RM2,000 and above
Profit Rate 5.00% p.a.
Facility Tenure 2 to 5 years
Note: Effective interest/profit rates vary from 9.15% p.a. to 9.32% p.a. depending on loan/financing-i tenures from 2 years to 5 years.
With Cashback
20% Cash Back on interest
Monthly instalments as low as RM130*
Fast approval within 48 hours**
Flexible repayment tenure of up to 5 years
Minimum income eligibility of only RM24,000 per annum
No guarantor and no collateral
5-minute loan approval at am:pm Convenient Banking**
Eligibility
Malaysian citizens only, aged between 21 to 60 years old
Earn a minimum annual income of RM24,000 per annum
* Based on a financing tenure of 5 years for RM5,000, and during Cash Back Period. ** 48-hour loan approval is subject to terms and conditions.
Take advantage of our HLB 4.38% p.a. low flat rate
Other terms and conditions apply.
Repayment Table
Loan (RM)
Int Rate (p.a.)
Monthly Instalment (RM)
Monthly Instalment During Cash Back Period (RM)
2 Years
5 Years
2 Years
5 Years
5,000
12.50%
265
140
245
130
50,000
11.00%
2,545
1,295
2,365
1,180
100,000
10.00%
5,000
2,500
4,670
2,395
150,000
9.00%
7,375
3,625
6,925
3,345
Note:
Flat interest rate ranges 9.00% per annum – 12.50% per annum depending on loan amount, income and tenure.
Effective Interest Rate ranges from 12.38% – 22.42% per annum.
The above table serves as illustration purpose only, with the assumptions of customer with a minimum monthly income of RM4,000 and above.
Actual monthly instalment will be rounded up to the nearest RM5.
Fee and Charges
Refer to the below for the Fees and Charges applicable:
Description/Service
Charges/Fees*
Stamp Duty Fee
0.50% of the disbursed facility amount for every approved facility
IBG Fee
A nominal fee of RM2.00 will be charged on every Interbank Giro (IBG), if any
Late Payment Charge (Applicable to Personal Loan)
1% p.a. on the arrears of outstanding for each facility (daily rest basis)
Early Settlement
No charges/fees to be imposed provided 3 months’ written notice is given to the Bank prior to the early settlement. Otherwise, payment of 3 months’ interest on the amount redeemed is applicable. (For Personal Financing-i, payment in lieu of notice is not applicable – customers are required to provide 3 months’ written notice should they opt for early settlement)
Compensation Charges (applicable to Personal Financing-i)
For default payment during facility tenure = 1% p.a. on the overdue instalment amount For default payment causing the facility to be terminated or brought to court = 1% p.a. on the outstanding balance (outstanding principal plus accrued profit) For default payment after expiry of facility tenure = BNM Islamic Interbank Money Market (“IIMM”) rate on the outstanding balance (outstanding principal plus accrued profit) For default payment post judgment = IIMM rate on the basic judgment sum
Need quick access to funds with peace of mind? Citibank offers personal loans with competitive interest rates, tailored to meet your financial needs. Whether it’s for education, travel, home improvements, or emergencies, enjoy fast approval, no guarantor required, and flexible repayment terms.
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Introduction
Citibank known as a truly global bank serve more than 200 million customers worldwide. Do more with your life with the extra money! You can now renovate your house, purchase new furniture, further study, shopping and holiday with our personal financing-i. The best value for money, low interest rate, low monthly repayment and many more. For more details, please click the below link.
Whether it is decorating your dream home, pursuing a higher education or your dreams, Citibank Personal Loans lets you fulfill your personal needs. Apply for personal loans Online now and get instant approval* in 5 simple steps!
5 Steps to Apply Online
Complete the 5 simple steps below and be approved* instantly.
Step 1: Fill up your Contact details
Step 2: Fill up your Personal details
Step 3:Fill up your Employment details In Principle Approval* of your Personal Loan application
Step 4:Confirm loan terms that you wish to apply for
Step 5:Upload your income documents
* The loan amount, tenor and interest rate offered to you is based on your declared income during the online application. It may differ upon actual loan approval which is based on your income documentation submitted. Your loan application hereafter is still subjected to Citibank’s credit assessment.
Popular Personal Loans
Citi 7.9%/p.a
Criteria as below:
Loan amount (RM5,000 – RM150,000)
Low flat interest rates of 7.9% – 12.5% per annum
Loan repayment tenure (24 – 60 months)
No processing fees
No collateral / guarantor required
Quick Cash
Need quick cash? Citi Quick Cash allows you to access funds from your Citi Credit Card instantly.
Flexible tenures from 6 to 60 months.
No documents required and no hidden fees.
Quick disbursement within 3 working days.
Get cash whenever you need it—simply apply via your Citi Mobile App!
Citi Balance Transfer via Installment Plan
Consolidate your credit card balances and convert them into affordable monthly installments with Citi Balance Transfer.
Tenures: From 6 to 36 months.
No hidden fees—just a simple transfer to Citi Credit Card.
Citi Debt Consolidation Plan
Combine up to 5 credit cards and loans into one manageable loan with Citibank’s Debt Consolidation Plan.
Interest rates: Effective rates from 11.90% – 12.90% per annum.
Save up to 2.5% on annual interest.
Up to 60 months loan tenure.
Take control of your finances and reduce multiple payments into a single monthly installment.
CitiFlexBill
Exclusive for Citi credit cardholders, CitiFlexBill lets you convert your credit card bill into easy installments.
Flexible tenures: From 6 to 60 months.
Minimum conversion amount: RM1,000.
Simple conversion through the Citi Mobile® App.
Citi PayLite
With Citi PayLite, you can convert any purchase made on your Citi credit card into easy installments.
Minimum conversion: RM50.
Flexible tenures: From 6 to 60 months.
No processing fees—just affordable payments.
Shop anywhere and convert your purchases to installments in just a few taps.
https://koperasi.info and www.citibank.com.my
Contact Us
Level 1, Smart Banking Area, Citibank Tower, 165, Jalan Ampang, Kuala Lumpur, 50450 Kuala Lumpur
Apply Cimb Bank personal loan with fast approval and interest rate from 6.88%. No guarantor and hassle-free term loan. Click here to apply!
Introduction
CIMB Group is a leading ASEAN universal bank and one of the region’s foremost corporate advisors. It is also a world leader in Islamic finance. The Group is headquartered in Kuala Lumpur, Malaysia, and offers consumer banking, commercial banking, investment banking, Islamic banking and asset management products and services. It is the fifth largest banking group by assets in ASEAN and, as at the end of September 2020, had around 34,000 staff and over 15 million customers.
Popular Personal Financings
CASH PLUS
An unsecured, hassle-free term loan to fulfill your dreams. No collaterals. No guarantors. Convenient repayment tenure up to 5 years and loan amount up to RM100,000. Fixed interest rates from as low as 6.88% to 14.88% fixed per annum which is equivalent to Effective Interest Rates of 12.31% to 24.51% per annum.
As low as 6.88% per annum*
Eligibility
Individuals aged 21 to 58 years old*
Malaysian citizen
Minimum monthly gross income of RM2,000
In employment for more than 6 consecutive months
For self-employed, business to be active for more than 24 months
*Maximum 60 years old upon maturity of loan tenure.
Islamic Loan – Xpress Cash Financing-i
Enjoy fast and flexible financing up to 8X your gross monthly income (basic + fixed income) to make your dream a reality. It’s easy and hassle free! Individuals aged 21 to 60 years old*. Minimum Monthly Gross Income. Eligible with a minimum monthly gross income of RM800 (including variables, e.g., overtime and allowances).
Eligibility
Individuals aged 21 to 60 years old*
Malaysian citizen
No joint applications allowed
Minimum monthly gross income of RM800 (including variables, e.g., overtime and allowances)
At least 6 (six) months of employment or business establishment
Minimum financing amount offered is RM3,000 with Maximum RM50,000 or up to 8X gross monthly income (whichever is lower)
*Maximum 65 years old upon maturity of loan tenure
TERM FINANCING-i SECURED BY ASB CERTIFICATE
TF-i ASB based on the concept of Commodity Murabahah-Tawarruq which is secured by ASB Certificate, helps you to grow your wealth and achieve your financial goals.
Eligibility
Malaysian Bumiputera only
Individuals aged 18 years and above, with evidence of income only
Joint application is limited to parents/ spouse/ siblings/ adult children only
Secured Overdraft Facility
A Facility that is made available in your Current Account by pledging a collateral to the Bank.
Eligibility
Individuals aged 21 to 70 years old
Malaysian or residents with PR status residing in Malaysia
Owner of the collateral (free from any encumbrance)
Minimum collateral of RM10,000-00
*Overdraft limit dependent on collateral pledged
CASH PLUS 6.88% /p.a
No collaterals
No guarantors
Tenure up to 5 years
Loan amounts up to RM100,000.
*Maximum 60 years old upon maturity of loan tenure.
Islamic Loan – Xpress Cash Financing-i
8x Gross Income
Minimum Amount Rm3,000
Max Amount Rm50,000
Gross Income Rm800
At least 6 months employment
*Maximum 65 years old upon maturity of loan tenure
ASB Loan
TERM FINANCING-i SECURED BY ASB CERTIFICATE BR + 1.20% /p.a
Financing amount RM50,000 and above with tenure between 5 – 20 years 3.55% per annum [BR + 0.80% per annum]
Financing amount RM50,000 and above with tenure between 21 – 40 years 3.60% per annum [BR + 0.85% per annum]
Financing amount below RM50,000 3.75% per annum [BR + 1.00% per annum]
Current BR: 2.75% p.a. Promotion rate validity: Until 30 June 2021
SECURED OVERDRAFT FACILITY BR+1.1-% /p.a
Personal OD Secured by Fixed Deposit BR + 1.10%
Personal OD Secured by Multiple Collateral BR + 1.60%
Personal OD Secured by Amanah Saham Bumiputera BR + 1.60%
At least 6 months employment
*Maximum 65 years old upon maturity of loan tenure
*Source: cimb.com.my
Contact Us
Call Center: 03-6204 7788 Premier Credit Card Call Centre 03-62047799 Business Call Centre: +60322973000
info@personalfinancingloan.com
EzBank HQ Kuala Lumpur 11, Jln Raja Laut, Kuala Lumpur City Centre 50350, Federal Territory of Kuala Lumpur
CIMB Bank Customer Service 83, Jalan Medan Setia 1, Bukit Damansara 50490, Wilayah Persekutuan Kuala Lumpur
Co-opbank Pertama (CBP) yang dahulu dikenali sebagai Bank Persatuan adalah sebuah coop bank yang dipercayai di Malaysia. Mohon sekarang dengan interest rendah dan bayaran ansuran yang tidak membebankan sekarang!
Pengenalan
Co-opbank Pertama or CBP and formerly known as Bank Persatuan is one the trusted coop bank in Malaysia offering wide range of personal loan with very competitive interest rate.
CBP adalah sebuah pertubuhan koperasi yang ditubuhkan di bawah Akta Koperasi 1993 dan didaftarkan pada 7 Jun 1950 dengan nama asalnya “The Province Wellesley Co-operative Banking Union Limited”.
Pada tahun 1959 nama tersebut telah ditukarkan kepada Bank Persatuan Kerjasama Seberang Perai Berhad dan seterusnya pada tahun 1995 telah ditukarkan kepada nama Koperasi Bank Persatuan Malaysia Berhad dan pada tahun 2014 nama tersebut telah ditukarkan kepada nama Koperasi Co-opbank Persatuan Malaysia Berhad.
Mesyuarat Agung Perwakilan Tahunan Co-opbank Persatuan ke-59 pada 29 April 2018 telah meluluskan pindaan Undang-Undang Kecil (UUK) CBP yang melibatkan pertukaran nama CBP dari Koperasi Co-opbank Persatuan Malaysia Berhad kepada Koperasi Co-opbank Pertama Malaysia Berhad.
Pembiayaan Patuh Syariah
PELAKSANAAN PEMATUHAN SYARIAH
Pematuhan syariah adalah aspek asas kewangan Islam di CBP. Untuk memastikan bahawa produk kami pada setiap masa mematuhi keperluan Syariah, kami akan menjalankan satu latihan pematuhan Syariah. Sila ambil maklum bahawa langkah-langkah yang perlu diambil tidak akan mengubah syarat pembiayaan atau kewajipan pelanggan terhadap pembiayaan berkenaan dan tanpa kos kepada pelanggan.
Kami akan menghantar notis kepada setiap Pelanggan untuk memaklumkan hal-hal berikut:
Pindaan kepada Surat Tawaran di antara Pelanggan kami dan CBP.
Pelantikan sebagai ejen Pelanggan untuk mengambil langkah-langkah yang diperlukan untuk memastikan kepatuhan Syariah dalam dokumentasi sekuriti.
Langkah-langkah yang perlu diambil oleh untuk memastikan kepatuhan Syariah terhadap dokumentasi sekuriti yang sedia ada. Ini termasuk penukaran dokumentasi Bai’ Inahsebelumnya ke dokumentasi Bai’ Inah yang baru. Sila klik lampiran 1 dan lampiran 2 untuk merujuk contoh dokumentasi Bai Inah. Untuk sebarang maklumat lanjut, sila hubungi kami di: 1-300-88-7650.
Shariah compliance is a fundamental aspect of Islamic finance. To ensure that our products are at all times Shariah-compliant, we would be conducting a Shariah compliance exercise.. Please be informed that the necessary steps to be taken would neither change any salient terms of the financing nor the obligations of the customer in the financing and at no cost to the customer.
We would be sending to each of our customer a notice to inform of the following:
Amendment of the Letter of Offer (Surat Tawaran) entered between our Customer and CBP.
Appointment of CBP as the Customer’s agent to take the necessary steps to ensure Shariah compliance of the security documentation.
The necessary steps to be taken to ensure Shariah compliance of the existing security documentation. This would include the conversion of the previous Bai’ Inah documentation to the new Bai’ Inah documentation. Please click attachment 1 and attachment 2 to refer to the sample new Bai Inah documentation. For further details, please contact us at: 1-300-88-7650
Pinjaman Peribadi
Pembiayaan Persendirian i-Lestari
Profit Rate 4.15% /p.a
Had Maksima Pinjaman Peribadi : RM 200,000.00
Tempoh Pinjaman Peribadi 10 tahun
Kadar Keuntungan serendah 4.15% setahunSemua skim pembiayaan di atas adalah ditawarkan melalui semua cawangan CBP dan tertakluk kepada terma dan syarat yang ditetapkan.
Profit Rate KAPK + 0.5% /p.a
Pembiayaan Berjangka Tempoh 120 bulan KAPK + 0.5% (Minimum)
Pembiayaan Hartanah Tempoh 180 Bulan KAPK + 0.5% (Minimum)
Pembiayaan Penyambung Tempoh 60 Bulan KAPK + 0.5% (Minimum)
Pemfaktoran-i Tempoh 60 Bulan 3.5% daripada nilai invois
Certificate of Completion
*Semua Skim Pembiayaan di atas adalah ditawarkan melalui Jabatan Pembiayaan Koperasi dan Korporat CBP dan tertakluk kepada terma dan syarat yang ditetapkan.
www.cbp.com.my
Contact Us
Ibu Pejabat Tingkat 6, Wisma JCBNext No.27, Lorong Medan Tuanku 1, Off Jalan Sultan Ismail, 50300 Kuala Lumpur.
Telefon: 1-300-88-7650
info@cbp.com.my
Opening Hours: Isnin hingga Jumaat dari 9:00 pagi hingga 5:00 petang kecuali pada hari Sabtu, Ahad atau hari cuti umum
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.
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
10,000
879
463
324
254
213
185
165
150
138
129
20,000
1,758
925
647
508
425
369
330
300
277
258
30,000
2,638
1,388
971
763
638
554
495
450
415
388
40,000
3,517
1,850
1,294
1,017
850
739
660
600
554
517
50,000
4,396
2,313
1,618
1,271
1,063
924
824
750
692
646
60,000
5,275
2,775
1,942
1,525
1,275
1,108
989
900
831
775
70,000
6,154
3,238
2,265
1,779
1,488
1,293
1,154
1,050
969
904
80,000
7,033
3,700
2,589
2,033
1,700
1,478
1,319
1,200
1,107
1,033
90,000
7,913
4,163
2,913
2,288
1,913
1,663
1,484
1,350
1,246
1,163
100,000
8,792
4,625
3,236
2,542
2,125
1,847
1,649
1,500
1,384
1,292
110,000
9,671
5,088
3,560
2,796
2,338
2,032
1,814
1,650
1,523
1,421
120,000
10,550
5,550
3,883
3,050
2,550
2,217
1,979
1,800
1,661
1,550
130,000
11,429
6,013
4,207
3,304
2,763
2,401
2,143
1,950
1,800
1,679
140,000
12,308
6,475
4,531
3,558
2,975
2,586
2,308
2,210
1,938
1,808
150,000
13,188
6,938
4,854
3,813
3,188
2,771
2,473
2,250
2,076
1,938
160,000
14,067
7,400
5,178
4,067
3,400
2,956
2,638
2,400
2,215
2,067
170,000
14,946
7,863
5,501
4,321
3,613
3,140
2,803
2,550
2,353
2,196
180,000
15,825
8,325
5,825
4,575
3,825
3,325
2,968
2,700
2,492
2,325
190,000
16,704
8,788
6,149
4,829
4,038
3,510
3,133
2,850
2,630
2,454
200,000
17,583
9,250
6,472
5,083
4,250
3,694
3,298
3,000
2,769
2,583
210,000
18,463
9,713
6,796
5,338
4,463
3,879
3,463
3,150
2,907
2,713
220,000
19,342
10,175
7,119
5,592
4,675
4,064
3,627
3,300
3,045
2,842
230,000
20,221
10,638
7,443
5,846
4,888
4,249
3,792
3,450
3,184
2,971
240,000
21,100
11,100
7,767
6,100
5,100
4,433
3,957
3,600
3,322
3,100
250,000
21,979
11,563
8,090
6,354
5,313
4,618
4,122
3,750
3,461
3,229
* Sebarang perubahan pembayaran balik pembiayaan tertakluk kepada terma & syarat.
For Armed Forces
Tawaran menarik bagi pinjaman peribadi seperti berikut:
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
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:
Customer’s not a Bankruptcy during apply BMMB financing
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:
Customer’s not a Bankruptcy during apply BMMB financing
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
Takaful and Shariah Concepts
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
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
Contact Us
Bank Muamalat Malaysia Berhad Ibu Pejabat, Menara Bumiputra, 21 Jalan Melaka, 50100 Kuala Lumpur
Malaysia Building Society Berhad (MBSB) formerly known as Asian Finance Bank Berhad. For more information on financial products and services offered by MBSB Bank, kindly click here
Introduction
Malaysia Building Society Berhad is the financial holding company of MBSB Bank Berhad, formerly known as Asian Finance Bank Berhad. For more information on financial products and services offered by MBSB Bank, kindly visit the website at www.mbsbbank.com.
History in Brief
The origin of Malaysia Building Society Berhad can be traced back to the Federal and Colonial Building Society Limited incorporated in 1950. In 1956, it changed its name to Malaya Borneo Building Society Limited (MBBS), with the Malaysian government as its major shareholder. MBBS was then listed on the Stock Exchange of Malaya and Singapore in August 1963.
The company became an incorporation in Malaysia under the Companies Act 1965 on 17 March 1970, before it was listed on the Kuala Lumpur Stock Exchange, now Bursa Malaysia on 14 March 1972. The Employees Provident Fund (EPF) is currently the holding entity of MBSB.
Corporate Highlights
Has been granted with an exemption under Section 7(4) of the Borrowing Companies Act 1969 (BCA). As a result of the change from BCA to Finance Companies Act (FCA), all references to borrowing business and borrowing company were to be construed respectively as finance business and finance company. The FCA was later repealed by Banking and Financial Institutions Act 1989 (BAFIA). The BAFIA has been repealed and replaced with FSA 2013.
On 6 November 2017, entered into the Share Purchase Agreement with the shareholders of Asian Finance Bank Berhad (“AFB/Vendors”) for the proposed acquisition by MBSB of the entire equity interest in AFB for an aggregate purchase of RM644,952,807.66 to be satisfied by way of cash amounting to RM396,894,036.26 and the issuance of 225,507,974 Consideration Shares at an issue price of RM1.10 per Consideration Share (“the Acquisition”).
The Acquisition was approved by the shareholders on 23 January 2018. The shareholders also approved the transfer of Shariah Compliant Assets and Liabilities of MBSB to AFB via a Members’ Scheme of Arrangement. Pursuant to the abovesaid approval and upon completion of the transfer of shares and the payment of the balance of the purchase consideration to the Vendors, AFB became a wholly owned subsidiary of MBSB on 7 February 2018. AFB undertook a rebranding exercise on 2 April 2018 and changed its name to MBSB Bank Berhad.
Product & Services
MBSB Personal Financing-i
Learn about our Shariah compliant personal financing solutions through our host of attractive packages that best suit your financing needs.
Competitive financing rates
Financing amount of up to RM400,000
Financing tenure of up to 10 years
No guarantor required
No hidden charges
Fast approval
Applicable for public servant and private sector employees
Public Sector Mumtaz-i BR + 2.15%/p.a
Financing Amount Financing amount of up to RM250,000
No guarantor required
Takaful coverage is optional
No early settlement charges
Fast Approval
Afdhal-i BR + 3.35%/p.a
Financing Amount Financing amount of up to RM400,000
Agrobank is a leader in agriculture financing and values-based banking based (VBI)* in Malaysia. Read here to apply personal loan and latest promotion!
About
Established in 1969, Agrobank is actively involved in charting the growth and development of Malaysia’s agriculture industry by offering shariah compliant products and solutions across various customer segments including corporate, commercial, consumer, trade finance and micro financing customers. This is a full-fledged Islamic bank since 1st July 2015.
As a market driven, customer centric DFI (Development Financial Institution) with a primary focus on strengthening the agriculture sector in Malaysia, Agrobank strikes an equal balance to its developmental and commercial roles to benefit the agriculture sector.
Agrobank provides a comprehensive repertoire of financing solutions for the agriculture community; that includes upstream activities related to primary food and commodities-based agriculture activities to downstream activities such as processing, marketing and distribution of agricultural products. It also offers retail banking financing solutions to improve the well-being of the agriculture community.
This is done through its network of 192 customer touch points including 138 branches, 1 agro banking, 1 virtual banking, 10 commercial financing centre, 34 kiosk, 8 agro corners & agro point. In 2019, Agrobank celebrates its golden jubilee Anniversary, as it marks 50 years of its proud establishment developing the agro industry.
* VBI or value-based intermediation is an initiative by Bank Negara Malaysia (BNM) which aims to improve the products and services offered by Islamic financial institutions towards a better facilitation of entrepreneurship, community well-being, sustainable environment and economic growth, without compromising on shareholders’ returns
Consumer Product & Services
Hartani-i (Tawarruq)
Hartani-i provides financing facility to the Government Servant or Private Sector Employees and Stable Income Earner for the purpose to purchase agriculture land. Purchase of land includes directly purchase from the vendor or through public auction or purchase of land that will be or have been auctioned by Bank Pertanian Malaysia Berhad. The Bank will only consider the financing if the land to be purchased has the individual title or the land has been sub-divided and/or the land which individual title is to be issued.
Ar-Rahnu
Pembiayaan Ar-Rahnu is a short-term Islamic Pawnbroking Facility that provides customer with instant cash access by accepting gold items as collateral.
AgroCash-i
AgroCash-i is a personal financing facility for customers for the purpose of consumer financing mainly related to agriculture and agro-based activity. The implementation of the product is based on Tawarruq transactions.
Agrobank profit rate:
Government Employees Age between 18 to 60 or up to retirement age whichever is earlier
Permanent and have served for at least 6 months (confirmed or under probation)
RM1,000 gross salary per month
Customer is encouraged to take Skim Takaful Kredit
Financing Amount : Maximum RM200,000
Financing Tenure 10 years maximum
GLC Staff BR + 3.67% /p.a
GLC Staff Age between 21 to 60 or up to retirement age whichever is earlier
Permanent staff and has been confirmed with at least one year of service
RM2,000 gross salary per month
Customer is encouraged to take Skim Takaful Kredit
