Category: Bank Loan

  • Alliance Bank Loan: 3.99% Online Exclusive

    Alliance Bank Loan: 3.99% Online Exclusive

    Alliance Bank

    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!

    Popular 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.

    CLICK HERE to personal loan alliance bank view the full Product Disclosure Sheet for Personal Financing (Conventional).
    Click HERE to view the full Product Disclosure Sheet for Personal Financing (Islamic)

    Business Finance-i Equipment

    • 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.

    The Alliance Bank Personal Loan with Koperasi Pusamaju is a popular choice among civil servants because of its competitive interest rates, long repayment terms, and easy approval process. However, since promotions are limited, make sure to check the official website for the latest loan promotions.


    Pinjaman Peribadi Alliance Bank Loan


    *Source: Alliance Bank official website

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  • UOB Bank: Personal Loan Tailored for You

    UOB Bank: Personal Loan Tailored for You

    UOB Bank

    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.

    No guarantor required. Trusted banking across Malaysia.

    Ready to take the next step? Click below to check your eligibility and apply today with confidence.

    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 IncomeMonthly IncomeInterest Rate
    SalariedSelf-Employed11.99% p.a.
    RM2,000 < RM4,000RM3,000 < RM6,00010.99% p.a.
    RM4,000 < RM7,000RM6,000 < RM8,0009.99% p.a.
    RM7,000 and aboveRM8,000 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:

    121824303642485460months

    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.
     
    		RM5,000RM25,000RM50,000RM75,000RM100,000
    12 months
    		458.292,291.464,582.926,874.389,165.83
    24 months249.961,249.792,499.583,749.384,999.17
    36 months180.51902.571,805.142,707.713,610.28
    48 months145.79728.961,457.922,186.882,915.83
    60 months124.96624.791,249.581,874.382,499.17
    Interest Rate
    		10..99% p.a.
     
    		RM5,000RM25,000RM50,000RM75,000RM100,000
    12 months
    		462.462,312.294,624.586,936.889,249.17
    24 months254.131,270.632,541.253,811.885,082.50
    36 months184.68923.401,846.812,770.213,693.61
    48 months149.96749.791,499.582,249.382,999.17
    60 months129.13645.631,291.251,936.882,582.50
    Interest Rate
    		11.99% p.a.
     
    		RM5,000RM25,000RM50,000RM75,000RM100,000
    12 months
    		466.632,333.134,666.256,999.389,332.50
    24 months258.291,291.462,582.923,874.385,165.83
    36 months188.85944.241,888.472,832.713,776.94
    48 months154.13770.631,541.252,311.883,082.50
    60 months133.29666.461,332.921,999.382,665.83

    **Based on RM5,000 loan amount on 5 years repayment period

     

    *Source from UOB malaysia website

     #personalloan #Bank #UOB 

    Pinjaman Peribadi UOB Bank Personal Loan

    Contact UOB Bank

    • Tel: 03-2612 8121
    • Menara UOB Bank
      Jln Raja Laut, Kuala Lumpur City Centre,
      50350 Kuala Lumpur
    • Opening Hours:
      9.30am-2pm Monday to Friday

    Hot & Trending Topic

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  • RHB Loan: Up to RM150k Fast Approval

    RHB Loan: Up to RM150k Fast Approval

    RHB Bank

    RHB Bank is providing the best personal loans to government servants and private sector. Max RM150,000. Instant approval. Apply now!

    RHB Bank Personal Loan

    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.

    Tier 1:

    • Financing Amount Capping: RM2,000 RM10,000
    • Int Rate (p.a.) 13.45%
    • Maximum Financing Tenure 5 Years (60 Months)

    Tier 1:

    • Financing Amount Capping: RM11,000 RM15,000
    • Int Rate (p.a.) 13.45%
    • Maximum Financing Tenure 5 Years (60 Months)

    Tier 2

    • Financing Amount Capping: RM16,000 RM50,000
    • Int Rate (p.a.) 11.66%
    • Maximum Financing Tenure 7 Years (84 Months)

    Tier 3

    • Financing Amount Capping: RM51,000 RM99,000
    • Int Rate (p.a.) 9.91%
    • Maximum Financing Tenure 7 Years (84 Months)

    Tier 4

    • Financing Amount Capping: RM100k RM150k
    • Int Rate (p.a.) 8.18%
    • Maximum Financing Tenure 7 Years (84 Months)

    Repayment Table

    Please click here to view the RHB Bank personal loan repayment table.

    Interest Rate

    Please find here to view the RHB Bank Personal Loan Interest Rate Table

    Terms and Conditions

    Please find here to view our RHB Bank Personal Loan Terms and Conditions

    Download Forms

    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.

    1. Tier 1: from 13.45%p.a. flat that is equivalent to EIR 24% p.a;
    2. Tier 2: from 11.66% p.a. flat that is equivalent to EIR 21% p.a.;
    3. Tier 3: from 9.91% p.a. flat that is equivalent to EIR 18% p.a.;
    4. 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:

    1. No advance payment
    2. Promotion rate as low as 4.20% (flat rate)
    3. Loans from RM2,000 to RM150,000
    4. Repayment Tenure from 2 to 10 years
    5. 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:

    1. MyKad Identification Number/Passport Number
    2. RHB Bank Account Number
    3. 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

     #personalloan #Bank #RHB 

    Contact RHB

    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!

    Hot & Trending Topic

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  • Kuwait Finance House: Trusted Financing

    Kuwait Finance House: Trusted Financing

    Kuwait Finance House (KFH)

    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.

    Pinjaman Peribadi Kuwait Finance House KFH Personal Loan


    Popular Personal Loans

    Cashline-i

    This promotion is called Murabahah Cashline-i Kuwait Finance House KFH Personal Loan

    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

    1. Flexible cash withdrawal anytime via cheque, Debit Card, ATM or at any of our branches.
    2. 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.
    3. No charges imposed on the unutilized portion. Competitive pricing. High margin of advance. No guarantor needed.

    Fee

    1. 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

    1. Individuals aged 21 years old or up to 2 years before retirement age (60 years old).
    2. Malaysian resident.
    3. Owns any permissible assets which are acceptable to KFH Malaysia and free from any encumbrances.
    4. For personal use or short term working capital.
    5. Minimum tenure of 2 years and up to 5 years, subject to annual review.
    6. 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:

    1. Latest 3 months payslip.
    2. Latest EPF Statement (must show latest 3 months contribution).
    3. Other documents on case to case basis.

    Own Business:

    1. 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.
    2. Business Registration Form.
    3. Additional documents such as latest 6 months Company bank statement; or Proprietor bank statement and latest 3 months Personal bank statement.
    4. Other documents on case to case basis.

    Financing-i Generic

    Top key features and benefits

    1. Up To RM250,000: Financing
    2. 2 to 10 Years: Tenure
    3. Competitive: Financing Rates
    4. Shariah Concept: “Murabahah Tawarruq”.
    5. 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

    1. Financing up to RM250,000.
    2. Flexible tenure from 2 to 10 years.
    3. Competitive profit rates.
    4. No guarantors needed.
    5. “Takaful” protection for total peace of mind.
    6. Easy payment via Interbank GIRO (IBG) or Interbank Fund Transfer (IBFT).
    7. No early settlement penalty.

    Fee

    1. Brokerage Fee: Proportionate as per the financing amount.
    2. Stamp Duty: 0.5% of the financing amount.
    3. Takaful: As per customer’s profile (age, gender, tenure, etc).

    Eligibility

    1. Confirmed and permanent staff. Working with multinational companies, public limited companies, government-linked companies and their subsidiaries.
    2. Individuals aged 21 years or up to 2 years before retirement age (60 years old).
    3. Malaysian resident. Minimum gross monthly income of RM3,000.

    Required Documents

    Salaried earners:

    1. Latest 3 months payslip.
    2. Latest EPF Statement (must show latest 3 months contribution).
    3. Other documents on case to case basis.

    Own Business:

    1. 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.
    2. Business Registration Form.
    3. Additional documents such as latest 6 months Company bank statement, or Proprietor bank statement and latest 3 months Personal bank statement.
    4. 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).

    Payment Period

    Payment period = 2 – 10 years

    Monthly

    • 3.88%/p.a
    • Payout 100%
    • Max loan RM200k
    • Overlap is allowed
    • Lowest interest rate in the market
    • Salary deduction
    • 2-10 years loan tenure

    DSR Criteria

    • Total Income < RM 3,000, DSR 60%
    • Total Income RM 3,001 – RM 5,000, DSR 70%
    • Total Income> RM 5,001+, DSR 80%

    *From Official KFH Websites

     #personalloan #Bank #KFH  

    Contact Kuwait Finance House KFH

    • Tel: 1 300 888 KFH (534) / 603-2168 0464 / +603 2168 0000
    • Kuwait Finance House (Malaysia) Berhad
      Address: Level 26, Menara Prestige,
      1, Jalan Pinang,P.O.Box 10103,
      50450 Kuala Lumpur, Malaysia.
    • Opening Hours:
      9.30am-4.30pm (Monday-Friday)

    Hot & Trending Topic

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

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

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  • Bank Islam: Shariah Financing Malaysia

    Bank Islam: Shariah Financing Malaysia

    Bank Islam Malaysia Berhad (BIMB)

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

    Pinjaman Peribadi Bank Islam

    Introduction

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

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

    UNPARALLELED NETWORK

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

    Over 35 Years of Service

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

    Popular Personal Loans

    Cash Line-i

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

    Financing Quantum: Subject to a minimum of RM10,000

    Margin of Financing

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

    Payment Period

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

    Cash Line-i Secured

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

    Financing Quantum: Subject to a minimum of RM5,000

    Margin of Financing

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

    Payment Period

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

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

    Financing Quantum

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

    Payment Period:

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

    Financing Rate

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

    Personal Financing-i Package

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

    • Features Financing Quantum Based on eligibility limit and subject to minimum amount of RM10,000 and maximum amount of RM300,000
    • Payment Period Maximum of 10 years (120 months) or up to the retirement age, whichever is earlier
    • Financing Rate Offer with Takaful Coverage Floating Rate (Base Rate [BR]) 1-3 years: Base Rate (BR) + 1.90% p.a. (Profit is calculated on a daily basis based on “Monthly Rest”). 4-10 years: Base Rate (BR) + 2.00% p.a. (Profit is calculated on a daily basis based on “Monthly Rest”). Note: Revised BR (effective date 10 July 2020) is 2.52% p.a
    • Financing Rate Offer Without Takaful Coverage Floating Rate (Base Rate [BR]) 1-3 years: Base Rate (BR) + 3.38% p.a. (Profit is calculated on a daily basis based on “Monthly Rest”). 4-10 years: Base Rate (BR) + 5.28% p.a. (Profit is calculated on a daily basis based on “Monthly Rest”). Note: Revised BR (effective date 10 July 2020) is 2.52% p.a
    • Financing Rate Offer with Takaful Coverage Flat Rate 1-10 years: 4.99% p.a. (Profit is calculated on a monthly basis based on “Sum of Digit”).
    • Financing Rate Offer Without Takaful Coverage Flat Rate 1-10 years: 5.99% p.a. (Profit is calculated on a monthly basis based on “Sum of Digit”).

    Package

    Financing Quantum

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

    Payment Period

    • Maximum of 10 years (120 months) or up to the retirement age, whichever is earlier
    • Promotional Rate for Teacher and Nurse (7 months only from 01/08/2019 to 29/02/2020)

    Professional Program

    Financing Quantum

    • Base Rate (BR) + 1.90%/p.a
    • Based on eligibility limit and subject to minimum amount of RM10,000 and maximum amount of RM300,000
    • Payment Period Maximum of 10 years (120 months) or up to the retirement age, whichever is earlier

    Financing Rate Offer

    • With Takaful Coverage Floating Rate 1-3 year: Base Rate (BR) + 1.90% p.a (Profit is calculated on a daily basis based on “Monthly Rest”). 4-10 years: Base Rate (BR) + 2.11% p.a (Profit is calculated on a daily basis based on “Monthly Rest”). Note: Revised BR (effective date 10 July 2020) is 2.52% p.a
    • Without Takaful Coverage Floating Rate 1-3 year: Base Rate (BR) + 3.38% p.a (Profit is calculated on a daily basis based on “Monthly Rest”). 4-10 years: Base Rate (BR) + 5.28% p.a (Profit is calculated on a daily basis based on “Monthly Rest”). Note: Revised BR (effective date 10 July 2020) is 2.52% p.a

    Eligibility & Requirements

    • Applicant must be above 25 years old and not exceeding the retirement age at the end of payment period
    • Malaysian citizen
    • Working as a professional in Medical Doctor, Dentist, Accountant, Engineer, Lecturer, Architect, Safety Officer, Pharmacist, Veterinary, Optometrist or Optician, Quantity Surveyor and Actuary
    • Fixed income earner with a minimum gross income of RM3,500.

    Programme for Medical Practitioner

    Financing Quantum

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

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

    Financing Rate Offer with Takaful Coverage

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

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

    Floating Rate Fragmentation (Base Rate [BR])

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

    Financing Rate Offer Without Takaful Coverage

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

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

    Floating Rate (Base Rate [BR])

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

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

    Eligibility & Requirements

    Eligibility (Salary Earner)

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

    Eligibility (Sole Proprietorship or Partnership)

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

    Documents Required

    For salary earner applicant: –

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

    For Sole Proprietorship or Partnership: – Photocopy of identity card

    Fees & Charges

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

    Monthly Repayment Table

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

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

     #personalloan #Bank #BIMB 

    Contact Bank Islam Malaysia Berhad

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

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  • AgroBank: Personal Financing GLC & Gov

    AgroBank: Personal Financing GLC & Gov

    AgroBank

    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.

    Agrobank Personal Loan

    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 CoverageCustomer 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.

    *Source: agrobank.com.my

      #personalloan #Bank #AgroBank 

    Contact Agrobank

    • Telephone: 603-2731 1600 +6 03 2079 0600 (INTL)
      Contact Centre: 1-300-88-2476
    • Agrobank Malaysia My office
      Leboh Pasar Besar, City Centre,
      50050 Kuala Lumpur

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  • OCBC Loan: Flexible Monthly Payments

    OCBC Loan: Flexible Monthly Payments

    OCBC Bank

    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

    Pinjaman Peribadi OCBC Bank Personal LoanPinjaman Peribadi OCBC Bank Personal Loan

    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.

    Call us at 03 8317 5000

     #personalloan #bank #OCBC 

    OCBC Bank Personal Loan

    Hot & Trending Topic

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  • Pinjaman BSN: Interest Rendah & Selamat

    Pinjaman BSN: Interest Rendah & Selamat

    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

    Why Choose BSN?

    Shariah Concept

    This Bank Simpanan Nasional 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

    1. Malaysian citizens aged from 21 years old to 65 years old (for Medical Doctors) 50 years old (for Medical Officers)
    2. Minimum gross income of RM3,000.00 per month.
    3. Bank Simpanan Nasional BerhadGIRO/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.

    1. Personal Financing: Public Sector
    2. Private Sector: Executive, Medical Practitioner
    3. Pledging Financing: Sandaran SSP
    4. ASB Financing: ASB With Floating Rate
    5. Property Financing: Residential Property, Commercial Property, Affordable Home (AHB40), Youth Housing Scheme
    6. 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

    NoIncomeInterest RateLoan LimitTenure
    1RM3,000 to RM5,0007.50%Five (5) times of monthly gross incomeMinimum: 2 years
    Maximum: 10 years
    2> RM5,000 to RM10,0006.50%Seven (7) times of monthly gross income
    3> RM10,0005.50%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 a Personal Loan BSN Pinjaman Peribadi Bank Simpanan Nasional.  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 :

    MinimumMaximum
    RM10,000RM200,000 Excluding other charges)

    Financing Rates

    TenureInterest 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.IncomeLoan Limit
    1.RM3,000 to ≤ RM5,000Five (5) times of monthly gross income
    2.> RM5,000 to ≤ RM10,000Seven (7) times of monthly gross income
    3.> RM10,000Ten (10) times of monthly gross income / maximum RM200,000 whichever is lower

    Financing Rates

    TenureInterest 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.
    • Contract / temporary employee (over 12 months' service).
    • BSN Giro/i account holder.

    Documents Required

    1. A copy of NRIC (both sides).
    2. Confirmation letter from employer; AND
    3. Latest 2 months' salary slip.

    Financing Info

     Fixed RateFloating Rate
    Profit Rate4.60% to 6.99%BR + 1.75% to BR + 3.77%
    Financing rate without TakafulAdditional 1% from the above profit rate
    Financing LimitMinimum: RM5,000
    Maximum: RM200,000
    Financing TenureUp to 10 years

    Terms & conditions apply.

    MyRinggit-i (Eksekutif-1)

    Our Bank Simpanan Nasional Berhad 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

    1. Malaysian citizen aged 21 years old to 55 / 60* years old (subject to retirement age at the end of the financing tenure).
    2. Open to permanent & contract officers and staff that have minimum one year of working experience.
    3. 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).
    4. Minimum gross income of RM3,000 per month (permanent staff) & RM10,000 (contract staff).
    5. BSN GIRO/i Account holders.

    Note: *Subject to employer confirmation

    Financing Info

     Int Fixed RateLoan Floating Rate
    Profit Rate6.00% to 8.50%BR + 5.00%
    Profit Rate Without TakafulAdditional 1% from the above profit rate
    Financing LimitIncome Financing 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 TenureMinimum: 2 years
    Maximum: 10 years
    Method of PaymentBSN 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 Bank Simpanan Nasional 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

    1. Malaysian citizens aged from 21 years old to 65 years old (for Medical Doctors) 50 years old (for Medical Officers)
    2. Minimum gross income of RM3,000.00 per month.
    3. Bank Simpanan Nasional Berhad GIRO/ i-account holder.
    BSN Personal Financing

    *Source: mybsn.com.my

     #personalloan #Bank #BSN 

    Contact BSN

    • Tel: +6 03 2162 3222
    • Fax: +6 03 2613 1888
    • Bank Simpanan Nasional
      Wisma BSN, 117, Jalan Ampang,
      50450 Kuala Lumpur

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  • Al-Rajhi Loan: Shariah Compliant Express

    Al-Rajhi Loan: Shariah Compliant Express

    Al-Rajhi

    Al-Rajhi offering shariah compliant financing. Attractive rates and up to 10 years. Apply now!

    Read More

    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

    1. Step 1 – Fax or email your NRIC, Military ID or Police ID and the Personal Financing-i application form
    2. Step 2 – Our Financial consultants will assist you with your enquiries

    https://koperasi.info and www.alrajhibank.com.my

     #pinjamanperibadi #personalloan #Bank #AlRajhi 

    Pinjaman Peribadi Al-Rajhi Personal Loan

    Contact Al-Rajhi Bank Malaysia

    • Tel: +603 2332 6000
    • customersupport@alrajhibank.com.my
    • Fax: +603 2332 6062
    • Level 17 Menara Chan
      138 Jalan Ampang
      50450 Kuala Lumpur

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  • HSBC Loan: RM250k Shariah Compliant

    HSBC Loan: RM250k Shariah Compliant

    HSBC

    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.

    Global trust. Local support. Ethical banking made easy.

    Ready to get started? Read below to check your eligibility and apply today with confidence.

    About

    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

    HSBC Amanah Personal Loan

    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:

    1. You’re aged between 21 and 60
    2. Your monthly salary is RM3,0004 or above
    3. You are Malaysian or have Malaysian PR status
    4. 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:

    1. Copy of your NRIC
    2. 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:

    1. Copy of your NRIC
    2. Copy of the latest 3 months’ pay slips / copy of your bank statement showing salary credits into the account
    3. 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:

    1. Copy of your NRIC
    2. 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
    3. 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 Personal Financing-i (Education) and enjoy:

    1. Savings on school fees
    2. Enjoy discounts when you make a full upfront payment instead of paying on a semester basis.
    3. No early settlement fees
    4. Enjoy the flexibility of a full payment before the official settlement date, without having to pay any additional charges. Better cash flow management
    5. Enjoy access to available funds for other investments or financial opportunities.
    6. 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!

     #personalloan #Bank #HSBC 

    Pinjaman Peribadi HSBC Amanah Personal Loan

    Contact HSBC Bank

    • Telephone: 1300 80 2626 (local)
      Telephone: 603 8321 5200 (overseas)
    • HSBC Amanah Premier (Banking & Cards)
      Local call number: 1300 88 9393
      International call number: +603 8321 5208
      International call number (Call Collect): +603 8321 5222
    • HSBC Amanah Banking and MPower Credit Card-i enquiries
      1300 80 2626 (local)
      603 8321 5200 (overseas)
    • HSBC Fusion
      1300 80 1998 (local)
      03-8321 8888 (overseas)
    • 1st Floor (South Tower
      No 2, Leboh Ampang, City Centre
      50100 Kuala Lumpur

    Hot & Trending Topic

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

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

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