Dapatkan pinjaman peribadi Bank Rakyat dengan pembiayaan hingga RM200,000, atau 35 kali gaji kasar anda. Nikmati perlindungan Takaful dan kemudahan potongan Biro Angkasa (BPA) tanpa keraguan. Dapatkan maklumat lanjut dan mohon segera sekarang!
Pembiayaan Peribadi Popular
Pembiayaan-i Kakitangan Awam (Rakan Pintar)
Bank Rakyat menawarkan pinjaman peribadi-i dengan pakej Rakan Pintar dimana kadar keuntungan yang rendah kepada kakitangan kerajaan. Produk pembiayaan ini direka untuk memenuhi keperluan kewangan penjawat awam, dengan manfaat tambahan seperti keahlian perbankan premium dan cash-back RM0.50 untuk transaksi MEPS dan Tabung Haji di mesin ATM.
Ciri-ciri dan Manfaat
Amaun Pembiayaan & Tempoh Pinjaman
Amaun Pembiayaan: Sehingga RM200,000.
Tempoh Pembiayaan: Fleksibel sehingga 10 tahun.
Margin Pembiayaan: Sehingga 35 kali gaji kasar bulanan.
Tiada Yuran Tersembunyi
Tiada penjamin diperlukan.
Tiada bayaran pendahuluan.
Manfaat Tambahan untuk Penjawat Awam
Perlindungan Takaful (pilihan).
Keahlian Perbankan Premium percuma.
Cash-back RM0.50 untuk transaksi MEPS dan Tabung Haji di mesin ATM.
Pembayaran Mudah Melalui Biro Angkasa
Pembayaran melalui Biro Angkasa (BPA), memudahkan proses dengan potongan gaji automatik.
Cara Memohon
Proses Permohonan yang Mudah
Untuk memohon, anda hanya perlu kunjungi mana-mana cawangan Bank Rakyat yang berdekatan. Pegawai kami akan membantu anda dalam proses permohonan, memastikan pengalaman yang lancar.
Overlap Pinjaman Sedia Ada
Jika anda seorang penjawat awam yang sudah mempunyai pinjaman dengan Bank Rakyat atau institusi kewangan lain dan ingin overlap pinjaman anda, ikuti langkah-langkah berikut:
Dapatkan penyata penyelesaian awal atau penyelesaian penuh daripada penyedia pinjaman anda yang sedia ada. Pastikan penyata tersebut sah selama sekurang-kurangnya 30 hari.
Hubungi Bank Rakyat untuk membincangkan proses overlap. Jika tempoh penyata telah tamat, anda perlu memohon penyata penyelesaian awal yang baru, yang mungkin mengambil beberapa hari.
Bank Rakyat menawarkan penyelesaian pembiayaan yang kompetitif yang disesuaikan untuk penjawat awam. Dengan kadar keuntungan yang rendah, terma pinjaman yang fleksibel, dan manfaat tambahan seperti perlindungan Takaful dan keahlian perbankan premium, ini adalah pilihan yang ideal untuk kakitangan kerajaan.
Dengan proses permohonan yang mudah dan pembayaran automatik melalui Biro Angkasa, pengurusan pinjaman anda menjadi lebih mudah.
Hubungi Bank Rakyat
Untuk maklumat lanjut atau untuk memohon Pembiayaan Peribadi-i Rakan Pintar, kunjungi Bank Rakyat di:
Bank Rakyat 33, Jalan Rakyat, Brickfields, 50470 Kuala Lumpur, Malaysia
Perkhidmatan Pelanggan (Tele-Rakyat): 1-300-80-5454
*Source: Bank Rakyat official website
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Bank Rakyat Dapatkan pinjaman peribadi Bank Rakyat dengan pembiayaan hingga RM200,000, atau 35 kali gaji kasar anda. Nikmati perlindungan Takaful dan kemudahan potongan Biro Angkasa…
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Nikmati pembiayaan peribadi-i bal al-einah dengan interest serendah 4.95% – satu langkah bijak untuk pembiayaan baru atau pembiayaan semula. Sesuai untuk melanjutkan pelajaran, keperluan keluarga, rumah impian, atau kereta impian. Mohon sekarang dan rasai kemudahan pembiayaan yang patuh Shariah, cepat dan menguntungkan!
Pinjaman Peribadi Popular
Public Bank – MCCM Resources
Potongan melalui MCCM Resources iaitu potongan biro angkasa. Majikan pelu mengesahkan borang loan.
Bulletin March 2019
Kadar terbaharu: 4.95% p.a Jom apply personal loan terbaik ini sekarang kerana interest 4.95% dan payout 97%. Jom apply sekarang juga!
Bulletin March 2018
Latest Rate 5.20% p.a 1 March 2018: Revised. Berita terkini di mana interest rate pinjaman peribadi Public Islamic Bank sudah bertukar menjadi 5.20% flat rate. Tempoh pinjaman selama 10 tahun.
Bulletin April 2017
Kadar interest sekarang pada 4.88% p.a bermula 3 April 2017: (interest terendah di pasaran ketika ini).
Terma dan syarat:
Payout 97%. Kalau pinjam RM10k dapat bersih di tangan RM9,700. Tiada yuran ahli bulanan.
Proses 1-2 minggu bergantung kepada masa sibuk (peak hours) bulan kenaikan gaji.
Pembiayaan sehingga RM150k.
Tempoh pembiayaan fleksible sehingga umur 58 tahun.
Tempoh bayaran sehingga 10 tahun.
Berumur 20 tahun ke atas.
Kakitangan kerajaan dan agensi kerajaan lain-lain.
Jawatan tetap. Berkhidmat 1 tahun ke atas.
Pembayaran mudah melalui potongan Biro Perkhidmatan Angkasa.
Sekarang musim raya jadi syarat longgar sedikit. Sila mohon sekarang.
Bulletin 2016
Ya. Kadar interest masih lagi 4.38% p.a setakat 3 August 2016 (interest terendah di pasaran). Pemohon mesti mengesahkan yang tiada komitmen luar yang tinggi, Rekod ccris melebihi 3 bulan dan tiada rekod ctos akan dipertimbangkan.
Bulletin Ogos 2016
Berikut adalah informasi terkini kadar interest pinjaman peribadi Public Bank MCCM Resources iaitu interest rate 4.38% (interest terendah di pasaran). Pemohon mesti confirm yang tiada komitmen luar yang tinggi, ccris melebihi 3 bulan dan tiada rekod ctos. Pemohon boleh overlap in-house seperti koperasi UKM untuk mendapat tunai lebih ditangan.
Di samping itu, pinjaman peribadi ini terbuka kepada kakitangan awam tetap di Semenjung, Sabah dan Sarawak. Max loan ditawarkan sehingga RM200,000 dan payout bersih adalah 94%.
Dari segi masa pemprosesan pula, mengambil masa proses 3 minggu dan bila approve kena buka akaun Public Bank di branch berhampiran. Potongan biro angkasa melalui MCCM Resources. Jom mohon dengan kami! Kami memberikan pengiraan tepat yang tidak memperdayakan pemohon.
Syarat-Syarat
Berikut adalah syarat-syarat dan kelayakan memohon pembiayaan Public Bank.
Lokasi: Seluruh Malaysia (Ag federal, state government dan police)
Kadar keuntungan: 4.38%.
Tempoh: Minima 2 tahun
Payout 92%
Amaun pembiayaan: Min RM8,000 to RM150,000.
Gaji RM1,500 dan ke atas sahaja.
Berumur diantara 20 dan 57 tahun.
Bekerja sekurang-kurangnya 1 tahun,
Proses borang: 2 minggu
Yuran (fee): Waived.
DSR, Outside Payslip Commitment, CTOS and CCRIS
DSR and commitment: calculation 80% (can be used the side income to reduce the percentage of DSR). CCRIS: Arrears must not be more than 3 months in calculating the loan application. If above 3 months is rejected. For customer who is having ccris more than 3 months must clear/settle the arrears in order to apply the public bank personal loan. Banks have to updated in ccris system with remark as clear arrears before applying the loan with public bank.
CTOS: require to settle with full amount before submitting the application form.
Who Can Apply
Working in MAB, TNB, Telekom, syabas, uniten, ktm, sme bank, agrobank and bsn are encourage to apply.
Elaun kos sara hidup dalam bahagian pendapatan tidak dikira.
Second loan with PBB: Yes you can apply for second loan after your first loan installment being received by public bank. Overlap: Cannot overlap if less than 1 year.
Special Remark Once your loan is approved, you must sign a consent form at your nearest Public Bank branch.
Compulsory: surat pengesahan jawatan from your department/ministry.
Cara Mohon
Hantar WhatsApp: Kakitangan kerajaan persekutuan dan state, universiti dan lain-lain mestilah menghantar gambar / picture payslip penuh bulan terkini yang jelas beserta dengan salinan ic yang jelas.
Print borang persetujuan untuk semakan komitmen iaitu ccris dan ctos dengan cara download di link borang persetujuan semakan komitmen ccris dan ctos. Tandatangan dan send kembali melalui WhatsApp.
Emel e penyata gaji dan laporan anm dan jangan lupa untuk menulis nombor telefon bimbit anda. Slipgaji yang dihantar perlulah yang jelas dan terang untuk mengelakkan dari tersalah kira akibat daripada kesukaran membaca slipgaji anda yang tidak clear
Application Flow
1) send clear IC and latest payslip via whatsapp –> 2) download consent letter –> 3) signed and send consent letter via whatsapp –> 4) Wait for the status whether it is approved or reject in a few working days
Tel: 603-2179 9999 / 603-2176 6000 Public Islamic Bank Berhad
78, Jln Raja Chulan, 50200 Kuala Lumpur
Opening Hours: 6 am – 12 midnight daily
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Pinjaman peribadi Maybank Berhad adalah bank terbaik untuk penjawat awam dan swasta. Shariah compliant. Apply koperasi dana MBB. Dapatkan info lanjut untuk mohon.
Pengenalan
Maybank Berhad (Malayan Banking Berhad) atau singkatannya MBB merupakan bank yang paling terkenal di Malaysia. Bank yang mempunyai banyak cawangan di seluruh negara dan paling banyak mesin pengeluaran wang tunai dan deposit di Malaysia. Maybank juga mempunyai rangkaian teknologi yang terulung dengan memperkenalkan aplikasi bayaran secara on-line (atas talian) yang terawal di Malaysia. Aplikasi bayaran on-line tersebut dikenali sebagai Maybank2u.
Masa dulu-dulu, pembayaran pinjaman peribadi bank yang tidak melalui potongan gaji majikan (PGM) iaitu dengan potongan Biro Angkasa (BPA) kadang-kadang terlewat untuk dibayar. Ini kerana semua perkhidmatan perlu dibayar secara tunai terus ke kaunter bank yang berhampiran. Adakalanya terpaksa menunggu lama di kaunter bank sementara menanti nombor giliran anda dipanggil oleh mesin pengiraan barisan (queue number machine).
Ini membuatkan ramai di antara kita pada masa lalu yang terpaksa menunggu lama dan tidak kurang juga menunggu berjam-jam semata-mata untuk membayar ansuran pinjaman peribadi, ansuran bulanan sewa beli kereta, rumah dan memindah tunai ke akaun lain (transfer duit).
Dengan adanya aplikasi dalam talian, bayaran komitmen bulanan dapat diselenggara dengan mudah dan efisien tanpa perlu beratur panjang di kaunter bank. Berdasarkan pengalaman, inilah website yang mula-mula sekali digunakan iaitu maybank2u.com.my. Aplikasi pembayaran secara online ini telah lama digunakan sejak dari tahun 2002 hingga sekarang. Jika dahulu bayaran bil siaran televisyen berbayar Astro hanya boleh dibayar di Pejabat Pos, tetapi dengan adanya maybank2u.com.my, bukan sahaja bil Astro, tetapi segala jenis bil dapat dibayar melalui website.
Begitulah cepatnya teknologi yang dahulunya semua transaksi bayaran dilakukan secara fizikal (cetakan resit menggunakan printer). Selepas itu, menggunakan PC iaitu komputer dengan kewujudan laman web dan kini pula dengan menggunakan tablet ataupun telefon bimbit (smartphone) dengan adanya apps (aplikasi pintar) di Google Playstore dan Apple Apsstore.
Pinjaman Peribadi Popular
Bank terkemuka di Malaysia yang menawarkan pelbagai produk dan perkhidmatan seperti pinjaman peribadi, pinjaman perumahan, kenderaan, kredit kad, tawaran biasiswa kepada pelajar cemerlang dan lain-lain. Bagi kakitangan kerajaan yang berminat untuk memohon pinjaman peribadi dengan dana Maybank boleh berbuat demikian dengan membuat permohonan di beberapa koperasi seperti Koperasi Wawasan Malaysia Berhad dan Koperasi Pendidikan Islam Berhad (Ukhwah).
Walaubagaimapun, pemohon yang telah menghantar borang permohonan koperasi yang disebutkan di atas perlu melalui beberapa peringkat seperti koperasi akan menyemak status kredit menggunakan sistem occis, ccris yang dijana oleh bank negara dan sistem ctos. Sila ambil perhatian bahawa laman web yang anda sedang buka sekarang ini hanya terbuka kepada kakitangan kerajaan sahaja.
Terbuka kepada kakitangan kerajaan berjawatan tetap dan polis sahaja.
MIPF-i
Live a Brighter Life with Maybank Islamic Personal Financing-i. Hassle Free – No Guarantor or Collaterals required
Tenure: Minimum tenure 2 year | Maximum tenure 6 years
Profit Rate: Financing amount RM5,000 to RM20,000 (8% per annum fixed rate), Financing amount RM20,001 to RM50,000 (7% per annum fixed rate), Financing amount RM50,001 to RM100,000 (6.5% per annum fixed rate)
Benefits Monthly installment payment as low as RM115.28* per month. No documents stamping. No processing fee. Fast Approval. View the Maybank Islamic Personal Financing-i Monthly Installment Table
Who can apply
Individual Malaysian Citizen aged between 21 to 60 years old. Minimum income of RM30,000 per annum
Documents Required
Application form together with: Copy of NRIC (both sides)
1% p.a on the amount in arrears, calculated from overdue date till date of full monthly payment. No processing Fees or stamping fees. No Early settlement fees for early settlement of Maybank Islamic Personal Financing-i
*Terms and conditions apply
Koperasi dengan Usahasama Maybank
Kowamas MBB
Pinjaman peribadi Kowamas (Koperasi Wawasan Malaysia Berhad) telah lama diwujudkan dengan dana kewangan dari Maybank. Pinjaman peribadi ini akan menyemak rekod OCCIS pemohon. Rekod OCCIS adalah rekod urusniaga MBB ke atas pemohon-pemohon. Jadi sekiranya pemohon mempunyai apa sahaja kemudahan kewangan dari MBB, maka peluang untuk membuat pembiayaan dari Kowamas adalah sukar dan amat tipis sekali (reject) ditambah pula jika terdapat rekod blacklist di OCCIS.
Ukhwah Maybank
Pinjaman peribadi Koperasi Ukhwah adalah antara koperasi yang popular di Malaysia. Dana pembiayaan ini dibekalkan dari Maybank. Jadi kriteria dan tatacara permohonan pembiayaan ini uga adalah lebih kurang sama dengan pinjaman peribadi Kowamas.
Koperasi Ukhwah dan Kowamas
Bagi yang bekerja di sektor swasta pula bolehlah berhubung terus dengan cawangan Maybank yang berhampiran dengan anda kerana pembiayaan menerusi koperasi Ukhwah dan Kowamas adalah terhad kepada penjawat awam (kakitangan kerajaan) sahaja.
Bagi yang menginginkan interest rate rendah, kedua-dua koperasi yang dinyatakan amat sesuai sekali untuk anda cuba. Terdapat juga koperasi lain yang mendapat dana dari bank menawarkan interest rate yang competitive. Tetapi proses yang lambat dan kadar kelulusan rendah menyebabkan pelanggan telah beralih kepada koperasi yang mudah dan cepat seperti Yayasan Ihsan Rakyat (YIR) dan Koperasi Petronesa HDM.
Malayan Banking Berhad Menara Maybank, 100, Jalan Tun Perak, 50050 Kuala Lumpur, Malaysia
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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 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
#personalloan #Bank #UOB
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
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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
#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!
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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 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
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).
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)
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Pinjaman peribadi MBSB adalah yang paling popular bagi kakitangan kerajaan. Dapatkan pakej terbaik pembiayaan sehingga RM250k. Dapatkan disini untuk memohon.
Pengenalan
Pembiayaan terhebat dari MBSB bagi warga kakitangan kerajaan berjawatan tetap kerana interest rendah dan payout tinggi. Tiada guarantor/penjamin diperlukan dan dokumen loan yang ringkas. Tiada bayaran upfront atau bayaran proses dikenakan. Semua potongan payout daripada pihak bank.
Pakej Popular
MBSB Waslah
Pinjaman Peribadi MBSB dengan pakej waslah (potongan kelayakan 75%), Vaganza dan Max-i 1 dan Max-i2 (kelayakan 65%). Dalam banyak pinjaman peribadi yang ditawarkan kepada kakitangan kerajaan, MBSB Waslah adalah pakej yang paling popular ditawarkan kerana potongan 75% dari pendapatan. Kalau sudah mempunyai potongan 60%, anda masih layak membuat potongan melebihi 60%.
Semak baki pinjaman? Full settlement? Boleh hubungi call center MBSB untuk semakan baki. Booking Intrasit Angkasa yang mana skim Waslah berlaku peningkatan ansuran bulanan selepas 5 tahun pinjaman dipotong. Pinjaman peribadi ini boleh dipanjangkan sehingga 20 tahun.
Pinjaman peribadi yang paling menarik suatu ketika dahulu kerana pertama kali menawarkan pembiayaan sehingga 75% pada sekitar tahun 2011. Memang permohonan sangat banyak yang pada masa itu kerana kesulitan akibat slipgaji telah mencapai had maximum 60% dan pada masa itu mempunyai penyelesaiannya iaitu hanya di MBSB Waslah. Ini kerana, selepas tempoh 5 tahun barulah berlaku kenaikan ansuran baru.
Pembiayaan ini sangat baik bagi membuat overlap pinjaman lama yang interest tinggi kepada interest 75% yang rendah kerana anda akan dapat tunai ditangan.
Tetapi, tahukah anda masalah yang bakal timbul nanti? Pembiayaan peribadi ini akan dibooking in-transit selama 5 tahun. Jadi ini menyukarkan pemohon untuk melakukan sebarang permohonan pinjaman peribadi baru. Terbuka kepada kakitangan kerajaan berjawatan tetap dan polis sahaja.
Pinjaman Peribadi Popular
2013 3.99%
MBSB menyediakan kemudahan pembiayaan dengan ucapan Selamat menyambut tahun baru 2013! Terdapat tiga (3) produk terbaru yang dilancarkan oleh MBSB pada tahun 2013.
Max-i 70%
Promosi ini terhad dari 1 Januari 2012 hingga 28 Februari 2013 (promosi terhad untuk 2 bulan sahaja). Kelayakan pinjaman sehingga 70% dari jumlah pendapatan (biasanya 60% sahaja).
Terbuka kepada kakitangan awam (AG), state government dan Universiti Awam.
Fresh loan dan external overlap dibenarkan.
Max. pembiayaan sehingga RM250,000.
Payout 97% (processing fee 3.0%) tolak security deposit 1 bulan (biro)/ 2 bulan (bukan biro).
Perlu settle blacklist CTOS.
Nota: external overlap bermaksud overlap bank atau koperasi yang bukan dari MBSB. In-house overlap tidak dibenarkan untuk produk ini.
Maaf, tiada Jadual Pembayaran New Year 2013 3.99%.
Max-i 2
Pakej personal loan yang menarik juga kerana faktor-faktor berikut:
Amaun pembiayaan sehingga RM250,000.
Kadar payout 100%.
Kadar keuntungan bagi produk terkini ini dicadangkan pada kadar 4.77%.
Kelayakan pinjaman hingga 70% dari jumlah pendapatan (biasanya 60% sahaja).
Maksima pembiayaan adalah RM250,000 (tanpa incidental) dan RM300,000 (secara incidental) dan dan external overlap dibenarkan.
Untuk overlap akaun Waslah boleh menggunakan skim Max-i 2 4.77%. Badan berkanun dialu-alukan untuk memohon pinjaman peribadi Max-i 2 (seperti Telekom, TNB, LHDN, SSM dan lain-lain). Max. pembiayaan sehingga RM250,000. Perlu settle blacklist CTOS.
Nota: Incidental bermaksud jumlah pembiayaan yang dikumpulkan melalui pinjaman MBSB sedia ada dan yang pinjaman terkini adalah berjumlah Rm300,000.
Maaf, tiada Jadual Pembayaran Max-i 2.
Premium Plus Package
Premiun Plus Package adalah pakej yang ulung dengan tawaran pembiayaan sehingga RM400,000. Overlap dan penstrukturan semula slipgaji amat sesuai dengan pakej ini.
Maksima pembiayaan: bagi pinjaman peribadi MBSB Premium Plus Package adalah RM400,000 atau 15 kali gaji yang mana dahulu.
Tempoh pembiayaan maksima adalah 15 tahun sahaja ataupun tidak melebihi dari umur persaraan 60 tahun.
Kadar keuntungan adalah 4.99% flat rate sepanjang tempoh pinjaman.
Syarat utama: Mesti mempunyai gaji minima sekurang-kurangnya RM15,000 termasuk elaun tetap. Payout 97% (processing fee 3.0%) tolak security deposit 3 bulan deposit. Perlu settle blacklist CTOS.
Belum ada- Jadual Pembayaran Pakej Pinjaman Peribadi Premium Plus Package
Pembiayaan 2012
Buat masa ini, terdapat beberapa pakej pembiayaan peribadi MBSB seperti dibawah (ringkasan):-
Interest 4.3%: Perlu overlap loan selain MBSB dan jumlah overlap mestilah Rm50k ke atas. Payout 93%.
Interest 4.99%: Payout 100%. AG dan Polis sahaja.
Interest 5.5%: dikenali sbg waslah, payout 96%.
Vaganza: Interest 5.5%.
MBSB Xchange-i
Selepas ketiadaan MBSB Waslah 75%, MBSB meluncurkan 2 pembiayaan terbaharu dikenali sebagai XChange-i dan pembiayaan peribadi Max-i khusus kepada penjawat awam.
Interest 3.99% flat rate (early bird promotion).
Jumlah pembiayaan minima RM50ribu-RM200 ribu.
Kriteria penting: Mesti overlap pinjaman bank lain ke MBSB. Nilai overlap RM30ribu ke atas. Overlap in-house boleh masuk ke pakej Max-i (dibawah).
Min 5-20 tahun maksima tempoh pembiayaan pinjaman.
Wajib membuat overlap dengan pembiayaan sediada (mandatori).
Pembiayaan pinjaman peribadi sehingga 65% dari jumlah pendapatan.
Penting: Untuk permohonan Xchange-i ini, Pemohon yang mempunyai rekod blacklist CTOS perlu diselesaikan oleh pemohon sendiri. Perlu sertakan penyata settlement/ surat CTOS dari institusi kewangan sebagai dokumen sokongan.
Sekiranya jumlah blacklist kurang dari RM20 ribu layak untuk mendapat pakej Xchange-i dengan kadar istimewa 3.99%. Tetapi jika jumlah blacklist melebihi RM20 ribu, pemohon juga perlu selesaikan jumlah blacklist tersebut dan kadar interest baru akan menjadi 4.5% setahun.
Tiada caj-caj seperti fi anggota, yuran, saham, caruman dan sebagainya.
Bagi yang tidak dapat meminjam lagi, inilah peluangnya kerana MBSB boleh menstrukturkan pinjaman anda sehingga 80% pembiayaan.
Pemohon akan mendapat tunai ditangan (cash in-hand) dengan lebih tinggi kerana pembiayaan sehingga 80% potongan.
Jumlah potongan (ansuran bulanan) tetap sama seperti dahulu iaitu maksimum 60% dari jumlah pendapatan.
Boleh membaik pulih kembali slip gaji anda iaitu pemohon yang telah melebihi jumlah potongan yang ditetapkan (maksima potongan adalah 60%) contohnya 70% akan dapat membaikpulih potongan menjadi 60% dan pada masa yang sama menikmati tunai ditangan. Boleh overlap Waslah sedia ada jika ada kelayakan.
Exec-i
Khas yang berpendapatan RM3,500.00 sebulan, kini anda tidak perlu risau kerana amaun financing telah dinaikkan sehingga RM250,000 dan tempoh pinjaman peribadi sehingga 25 tahun. Syarat-syarat lain adalah sama.
#pinjamanperibadi #MBSB
Topik Terhangat & Trending
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Bank Rakyat Dapatkan pinjaman peribadi Bank Rakyat dengan pembiayaan hingga RM200,000, atau 35 kali gaji kasar anda. Nikmati perlindungan Takaful dan kemudahan potongan Biro Angkasa…
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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
#pinjamanperibadi #personalloan #Bank #AlRajhi
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
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.
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.…
RHB Bank RHB Bank is providing the best personal loans to government servants and private sector. Max RM150,000. Instant approval. Apply now! Introduction Whether it…
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