BSN Personal Loan offers competitive interest rates and financing options of up to RM200,000 for both public and private sector employees in Malaysia. Enjoy flexible repayment terms with a trusted financial partner. Learn more about the application process and benefits of the BSN Personal Loan today!
BSN Personal Loan Government Sector
BSN offers a personal loan specifically tailored for individuals working in the Public Sector, including government agencies, government-linked agencies (GLA), and government-linked companies (GLC). This loan comes with competitive interest rates and convenient repayment terms.
BSN MyRinggit (Public Sector)
This is a personal financing facility for public sector employees that provides easy access to financial assistance with flexible repayment options.
Eligibility Criteria
To qualify for the BSN Personal Loan Government Sector, applicants must meet the following requirements:
Malaysian citizen aged between 21 to 60 years old (subject to retirement age at the end of the loan tenure).
Employed in the government sector, GLA, GLC, or any organization that provides salary deductions through BPA.
Minimum income of RM1,500 per month.
Permanent employee who has been employed for 3 months or more.
Contract or temporary employees with over 12 months of service.
Must be a BSN Giro/i account holder.
Documents Required
To apply for the BSN Personal Loan, the following documents are required:
A copy of NRIC (both sides).
Confirmation letter from employer.
Latest 2 months’ salary slip.
The BSN personal loan for the Government Sector offers a reliable financing option with competitive terms for eligible employees. With a straightforward application process and flexible conditions, it can help you manage your financial needs efficiently.
Loan Info
Fixed Rate
Floating Rate
Interest Rate
4.60% to 6.99%
BR + 1.75% to BR + 3.77%
Interest Rate Without Insurance
Additional 1% from the above rate
Loan Limit
Minimum: RM5,000 Maximum: RM200,000
Loan Tenure
Up to 10 years
Terms & conditions apply.
Personal Loan BSN MyRinggit (Eksekutif-1)
BSN MyRinggit Eksekutif-1 is specifically designed to help individuals meet their personal financing needs with affordable interest rates. This loan provides flexible repayment terms, making it an ideal choice for employees in various sectors looking for financial assistance.
Eligibility Criteria
To qualify for the BSN MyRinggit Eksekutif-1 loan, you must meet the following requirements:
Malaysian citizen aged between 21 and 55/60 years old (subject to retirement age at the end of the loan tenure).
Permanent & contract employees with at least one year of work experience.
Available to employees from the following sectors:
Premier Developer Panel
Private Hospitals
Telecommunication Companies
Licensed Financial Institutions
Multinational Companies
PETRONAS Group of Companies
Selected Private Universities & Colleges
Statutory Bodies
Government Link Companies
Selected Public Listed Companies in Main Market Bursa Malaysia (Financial, Plantation, Property, Technology, Trading/Service, Industrial Product, Consumer Sectors only)
Professionals (Doctors, Architects, Lawyers, Accountants, and other certified professionals)
Must be a Bank Simpanan Nasional GIRO/i-Account holder.
Note: Age eligibility subject to employer confirmation.
Documents Required
The following documents are required to apply for the BSN MyRinggit Eksekutif-1 loan:
A copy of NRIC (front and back).
A copy of the latest 3 months’ payslips.
Latest EPF statement; AND
Confirmation letter from employer including:
Name
NRIC
Designation
Monthly salary
Date of employment
Alternatively, you may submit the latest EA/EC statement and the latest e-filing form, or any verified documents by the Inland Revenue Board (LHDN).
Note: All document copies must be certified by a Bank Simpanan Nasional officer.
The BSN MyRinggit Eksekutif-1 loan offers affordable financing options for eligible employees in various sectors. With a straightforward application process and flexible loan terms, it is the perfect solution for those looking to meet their personal financial needs.
Fixed Rate
Floating Rate
Interest Rate
6.00% to 8.50%
BR + 5.00%
Interest Rate Without Insurance
Additional 1% from the above interest rate
Loan Limit
Income
Loan 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
Loan Tenure
Minimum: 2 years Maximum: 10 years
Method of Payment
BSN Standing Instruction
Terms & conditions apply.
BSN Pledging Loan: MyRinggit Sandaran Term Deposit
The BSN MyRinggit Sandaran Term Deposit offers a convenient way for BSN Term Deposit Certificate Holders to access additional funds. You can secure up to 95% of the value of your BSN Term Deposit without the need for a guarantor, making it an excellent financing option for those who need quick access to cash.
Eligibility Criteria
To be eligible for the MyRinggit Sandaran Term Deposit loan, you must meet the following requirements:
Malaysian citizen aged 18 years and above (not exceeding 65 years old on the loan expiry date).
BSN Term Deposit authorized certificate holder.
Documents Required
The following documents are needed to apply for the MyRinggit Sandaran Term Deposit loan:
A copy of your NRIC (both sides).
Original certificate of BSN Term Deposit.
Copy of GIRO/i Passbook / Statement.
The BSN MyRinggit Sandaran Term Deposit loan is an ideal choice for BSN Term Deposit certificate holders looking to access up to 95% of their term deposit value without the hassle of providing a guarantor. With minimal documentation and quick approval, this loan provides a convenient solution to your financial needs.
Features and Benefits
Loan Details
Guarantor
Without guarantor required. Just mortgage your Term Deposit Certificate.
Minimum Loan Limit
RM5,000.
Maximum Loan Limit
95% from your Term Deposit value.
Minimum Loan Period
Two (2) years
Maximum Loan Period
Ten (10) years
Payment Channel
BSN Standing Instruction
Rates
The rates for BSN personal loan for MyRinggit Sandaran BSB Term Deposit are as follows:
Loan Details
Loan Amount
Interest Rate
< RM100,000
BR + 2.50%
> RM100,000
BR + 2.00%
MyRinggit Sandaran Term Deposit Monthly Instalment Computation
Loan Option 1
Loan Option 2
Loan Amount
RM99,500.00
RM100,000.00
Period
5 years
5 years
Factor
19.5427
19.3096
Loan
Period (year)
Factor
Calculation
Instalment (RM)
99,500
5
19.5427
99.5 x 19.5427
1,945
100,000
5
19.3096
100 x 19.3096
1,931
Loan Limit*
Loan amount will be in multiple of RM1, 000 and subject to the following limit:
Minimum
Maximum
RM10,000
RM200,000 (Excluding other charges)
Rates:
Tenure
Interest Rate
5 – 30 years or subject to the maximum age of 65 years, whichever is earlier.
BR + 1.05% (Loan amounts up to RM50,000) BR + 0.85% (Loan amount above RM50,000)
* Subject to the current Bank’s terms and conditions
Contact Bank Simpanan Nasional
Wisma BSN, 117, Jalan Ampang, 50450 Kuala Lumpur Tel: +6 03 2162 3222 Fax: +6 03 2613 1888
BSN Personal Financing: Summary
Article Title: BSN Personal Financing
Category: #Bank #BSN #PersonalLoan
Purpose: #Promotion
Bank Personal Loans
Looking for the best bank personal loans? Explore our offers with competitive interest rates, an easy application process, and fast approval. Click below to view your options and find the loan that suits your financial needs!
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Dapatkan tiga (3) jenis pembiayaan terbaik dari Koperasi KAKIB, termasuk pinjaman perniagaan, pinjaman pelbagai, dan pinjaman peribadi dengan kadar faedah rendah. Mohon sekarang dan nikmati pembiayaan yang fleksibel dan berpatutan!
Pembiayaan Peribadi Koperasi Anggota Kerajaan Ipoh Berhad (KAKIB)
Kriteria Pinjaman Peribadi Koperasi KAKIB
Berikut adalah kriteria untuk permohonan pinjaman peribadi di Koperasi Anggota Kerajaan Ipoh Berhad (KAKIB):
Jumlah maksimum pembiayaan: RM 100,000
Had umur: Pemohon mestilah tidak melebihi 54 tahun (tiada penjamin diperlukan)
Penjamin: Sekiranya pemohon berumur 54 tahun ke atas, sekurang-kurangnya 2 penjamin diperlukan
Kelayakan maksimum: Pembiayaan tidak melebihi 60% daripada gaji hakiki bulanan
Kadar perkhidmatan: 3.9% setahun
Tempoh bayaran balik: Sehingga 120 bulan
Pembiayaan Aktiviti Perniagaan
Kriteria Pembiayaan Aktiviti Perniagaan Koperasi KAKIB:
Jumlah maksimum pembiayaan: RM 30,000
Kelayakan maksimum: Pembiayaan tidak melebihi 60% daripada gaji hakiki bulanan
Kadar perkhidmatan: 3.5% setahun
Tempoh bayaran balik: Sehingga 120 bulan
Pembiayaan Pelbagai
Pembiayaan Pelbagai ini disediakan untuk perkhidmatan seperti:
Pembaharuan insurans am
Cukai jalan
Peralatan kenderaan
Perkhidmatan lain yang disediakan oleh koperasi
Jumlah maksimum pembiayaan: RM 5,000
Kelayakan maksimum: Pembiayaan tidak melebihi 60% daripada gaji hakiki bulanan
Hubungi Koperasi KAKIB
Alamat: Koperasi Anggota Kerajaan Ipoh Berhad (KAKIB) No. 111-B, Tingkat 1, Jalan Dato’ Onn Jaafar 30300 Ipoh, Perak
Telefon: 05-2540707 / 05-2535369
LOREM: Ringkasan
Tajuk Artikel: Kebankrapan
Kategori: #Bank #BSN #PinjamanPeribadi
Tujuan: #MaklumatAm #Promosi
Promosi Pinjaman Peribadi Koperasi
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Explore a wide range of information and resources tailored to your interests. Whether you’re looking for travel inspiration, financial tips, hobby ideas, product reviews, or more, our carefully selected links have something for everyone. Click the links above to start your journey toward discovering new experiences and expanding your horizons. Your next adventure is just a click away!
Apply Personal Loan KIMB Koperasi Islah Malaysia Berhad flat rate interest rate up to RM100,000. No hidden charges. Koperasi Islah Malaysia Berhad (KIMB) is a national cooperative. Member involvement is not limited to one organization only, but it is open to all Malaysians in general.
Personal Loan KIMB Koperasi Islah Malaysia Berhad Summary
Bank Koperasi Name: Koperasi Islah Malaysia Berhad
Abbreviation / Code Name: KIMB
Bank Koperasi Promotion Name: Personal Loan KIMB Koperasi Islah Malaysia Berhad
Personal Loan Promotion Period: ~ call for confirmation ~
Open to: Government
Max Loan Amount: RM200k RM100k RM150k RM50k Salary Based Multiplier
What are the products and services of Koperasi Islah Malaysia Berhad KIMB?
The products and services offered are Koperasi Islah Malaysia Berhad personal loans, special investment savings, sales products and takaful protection.
About Personal Loan KIMB Koperasi Islah Malaysia Berhad
Koperasi Islah Malaysia Berhad (KIMB) is a Cooperative established with the aim of promoting a culture of saving and entrepreneurship for welfare purposes and improving the socio -economic status of members in particular and Muslims in general, in line with the demand to “cooperate in matters of goodness and piety”
Koperasi Islah Malaysia Berhad was approved for registration on 21 January 1994 under the Suruhanjaya Koperasi Malaysia (SKM) with Koop Nasional registration number No 15.
Vision
Becoming a Superior National Cooperative Based on Sharia
Mission
Encourage a culture of saving and entrepreneurship among members
Involve cooperatives in profitable business and investment activities
Provide quality services through trustworthy and competent management.
Koperasi Islah Malaysia Berhad (KIMB) Retail Financing
Koperasi Islah Malaysia Berhad (KIMB) Personal Loan is a flat rate personal financing.
Financing Margin
Based on the personal loan eligibility limit and subject to a minimum amount of RM 1,000 and a maximum amount of RM 100,000
A flat rate personal loan of 8% per annum for all who qualify.
*This rate is subject to change depending on the terms and conditions, will be notified via offer letter if the application is approved.
Eligibility for Personal Loan Application
Has been a member of KIMB for at least six (6) months.
Applicants must be 18 years of age or older.
Has a confirmed position and has a fixed income.
Have a guarantor.
Required documents
Completed application form.
Information disclosure consent form.
A copy of identity card.
3 months latest salary slip.
Latest job confirmation letter.
And at least one of the following documents:
Latest EPF statement; or
Latest income statement (Form BE/eBE/EA/EC); or Latest bank statement for 3 months (salary crediting)
Any supporting documents if necessary.
Payment method
There are 2 payment methods for personal loan payment of Koperasi Islah Malaysia Berhad as follows:-
Salary cut.
Standing instructions from other banks.
Benefits Of Applying For A Personal Loan With Us
No hidden charges
Selling price – fixed and known.
Competitive financing rates.
*Subject to the terms and conditions.
Koperasi Islah Malaysia Berhad Membership Application
3 easy steps to apply for membership:
Complete the membership application form – Download the member application form or fill in online at borang_permohonan_ahli_kimb_2.0 Return the form either via:
Post/send to Koperasi Islah Malaysia Berhad Office at Lot 300.1, Lorong Selangor, Pusat Bandar Melawati 53100, Kuala Lumpur, or Email to customer.service@kimb.com.my, or Fax the form to 03-41086319
Make a membership application fee of RM 530 (RM 500 Shares, RM 30 Membership Fee) can be paid in cash or bank-in to the following account in the name of KOPERASI ISLAH MALAYSIA BERHAD: Maybank: 5622 0961 8419 Islamic Bank: 1211 30100 24343 (Proof of payment can be submitted via email or fax as above, or whatsapp to 011.2078.5903)
After approval, we will send the approval confirmation letter along with the membership card and the cooperative by-law book to the address given in the membership application form.
Cooperative Membership Requirements
Membership is open to:
Malaysian
Aged 18 years and above
Never involved in an offense registered under the “Registration of Criminals and Undisireable Persons Act, 1969 ″.
Each application must be by filling in the membership application form, Membership Fee RM 30 and a minimum Share Capital of RM 500 (paid within 6 months after membership is registered)
Selaras dengan kontrak syariah, Koperasi Islah Malaysia Berhad tidak menjanjikan keuntungan namun Koperasi Islah Malaysia Berhad mengambil langkah-langkah bersesuaian untuk mengurus risiko yang dikenalpasti.
Melalui skim ini kita menjayakan perniagaan anggota melalui kerjasama modal dan anggota yang melabur mempunyai potensi berkongsi keuntungan.
Ini adalah kaedah taawun menang-menang sesama anggota.
Produk Jualan
Buku “Taawun Dalam Koperasi”
Al-Quran & Terjemahan
Tafsir Fi-Zilal-il-Quran (11 Jilid)
The Higher Objective of Humanity
https://kimb.com.my
Hashtag / Keywords
#pinjamanperibadi #koperasi #KIMB
Personal Loan KIMB Koperasi Islah Malaysia Berhad Reviews
Customer Reviews about Personal Loan KIMB Koperasi Islah Malaysia Berhad
Koperasi Islah Malaysia Berhad (KIMB) Personal Loan is a flat rate personal financing.
Koperasi Islah Malaysia Berhad Lorong Selangor, Taman Melawati, 53100 Ampang, Selangor
H1:
excerpt
H2,H3, H4
Repayment Table
LOREM: Ringkasan
Tajuk Artikel: Kebankrapan
Kategori: #Bank #BSN #PinjamanPeribadi
Tujuan: #MaklumatAm #Promosi
LOREM: Summary
Article Title: Bankruptcy
Category: #Bank #BSN #PersonalLoan
Purpose: #GeneralInformation #Promotion
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Koperasi Al Taqwa Kg Kisap Langkawi Berhad (COOPALTAQWA KATKLB)
Koperasi Al Taqwa Kg Kisap Langkawi Berhad (COOPALTAQWA KATKLB) menjalankan aktiviti ekonomi berdasarkan syariat Islam. Kami berusaha membina dan mengembangkan ekonomi Ummah melalui koperasi, menggalakkan ahli dan masyarakat Islam untuk melaksanakan infaq serta amalan tolong-menolong sesama mereka.
Kami menyediakan program untuk membantu ahli mendapatkan barang-barang keperluan asas dengan cara yang mudah dan halal. Selain itu, kami turut menganjurkan program pendidikan/tarbiyyah bagi meningkatkan pemahaman mengenai Fiqh Mu’amalat dan sistem urusniaga Islam.
Objektif kami adalah untuk melahirkan usahawan Muslim yang bertaqwa, berakhlak mulia, serta berwibawa, demi memperkukuh ekonomi umat Islam secara keseluruhan.
Mengenai Koperasi Al Taqwa Kg Kisap Langkawi Berhad (COOPALTAQWA KATKLB)
Pengenalan
Koperasi Al Taqwa Kg Kisap Langkawi Berhad atau lebih dikenali sebagai COOPALTAQWA KATKLB adalah sebuah organisasi kewangan yang berasaskan syariah. Ditubuhkan pada 8 Julai 2009, koperasi ini adalah hasil usaha Badan Kebajikan dan Khairat Kematian Masjid Al Taqwa Kg Kisap Langkawi. Tujuan utamanya adalah untuk menyediakan alternatif kewangan yang lebih adil dan mengikut prinsip Islam, berbeza dengan sistem kewangan konvensional yang ada pada masa kini.
Sebagai koperasi yang berpandukan prinsip kerjasama dan kesejahteraan bersama, COOPALTAQWA KATKLB berhasrat untuk menjadi institusi kewangan unggul di Langkawi, memberikan perkhidmatan terbaik kepada anggota sambil menegakkan prinsip-prinsip Islam dalam semua urusan ekonomi.
Prinsip Islam dalam Kewangan
Islam menggalakkan umatnya untuk mengamalkan prinsip kerjasama dalam semua aspek kehidupan, termasuk ekonomi. Dengan itu, Koperasi Al Taqwa Kg Kisap Langkawi Berhad berusaha untuk menegakkan sistem kewangan yang berlandaskan prinsip syariah. Perkhidmatan yang ditawarkan memastikan keadilan, ketelusan, dan kesejahteraan anggota, selaras dengan ajaran Islam yang menuntut keadilan dalam setiap urusan perniagaan dan kewangan.
Perkhidmatan yang Ditawarkan oleh COOPALTAQWA KATKLB
1. Projek Perumahan Mampu Milik
Salah satu inisiatif utama Koperasi Al Taqwa Kg Kisap Langkawi Berhad adalah projek perumahan mampu milik. Projek ini disasarkan untuk membantu warga Langkawi yang masih belum memiliki rumah, menawarkan pilihan rumah yang berpatutan dan berkualiti. Dengan tujuan untuk memberi peluang memiliki rumah kepada semua golongan masyarakat, projek perumahan ini juga disediakan dengan mengambil kira prinsip syariah.
2. Insurans dan Cukai Jalan Kenderaan
COOPALTAQWA KATKLB turut menawarkan perkhidmatan insurans kenderaan dan pembaharuan cukai jalan. Perkhidmatan ini memudahkan anggota koperasi untuk memperbaharui road tax dan insurans kenderaan mereka tanpa perlu melalui proses yang rumit. Koperasi juga menyediakan pembaharuan road tax tanpa geran asal, menjadikannya lebih mudah dan cepat untuk pengguna.
3. Perkhidmatan Pelancongan melalui Rakyat Travel
Koperasi ini juga menawarkan perkhidmatan pelancongan kepada anggotanya melalui Rakyat Travel. Perkhidmatan pelancongan ini termasuk destinasi dalam dan luar negara, memberikan anggota peluang untuk melancong dengan harga yang berpatutan dan mengikut syariah. Dengan menyediakan pilihan pelancongan yang berkelayakan, koperasi ini memastikan semua urusan perjalanan anggota adalah selesa dan mematuhi prinsip Islam.
Keanggotaan Koperasi Al Taqwa Kg Kisap Langkawi Berhad (COOPALTAQWA KATKLB)
Syarat Menjadi Anggota
Menjadi anggota Koperasi Al Taqwa Kg Kisap Langkawi Berhad adalah terbuka kepada warganegara Malaysia yang memenuhi beberapa syarat:
Islam dan berumur 18 tahun ke atas.
Bermastautin, memiliki hartanah, atau bekerja di Langkawi.
Proses Pendaftaran Keanggotaan
Pendaftaran untuk menjadi ahli adalah mudah. Langkah-langkah berikut perlu diikuti:
Isi borang pendaftaran dengan lengkap.
Bayar fi pendaftaran sebanyak RM10.00.
Caruman bulan pertama.
Sertakan salinan Kad Pengenalan.
Untuk kakitangan kerajaan, sertakan:
Slip gaji asal terkini.
Borang Arahan Potongan Gaji BPA.
Menandatangani Borang Potongan Gaji 60%.
Setelah pendaftaran selesai, anda akan menikmati pelbagai manfaat sebagai ahli koperasi.
Keistimewaan Menjadi Anggota COOPALTAQWA KATKLB
Sebagai anggota Koperasi Al Taqwa Kg Kisap Langkawi Berhad, anda akan mendapat pelbagai keistimewaan, antaranya:
Simpanan Tabungan: Anggota boleh menyimpan wang dalam koperasi, mengikut prinsip syariah.
Berinfaq sebagai amal jariah: Anggota juga berpeluang untuk beramal dengan menyumbang kepada program amal jariah yang dianjurkan koperasi.
Skim Pembiayaan: Anggota layak untuk memohon skim pembiayaan yang ditawarkan oleh koperasi, yang semuanya berasaskan prinsip syariah.
Hubungi Koperasi Al Taqwa Kg Kisap Langkawi Berhad (COOPALTAQWA KATKLB)
Untuk maklumat lanjut atau pertanyaan mengenai pendaftaran dan perkhidmatan, anda boleh menghubungi Koperasi Al Taqwa Kg Kisap Langkawi Berhad di:
Alamat: No. 2 & 3 Langkawi Uptown Hotel, Jalan Pandak Mayah 7, 07000 Langkawi, Kedah, Malaysia.
Telefon: +604-9692444
Emel: altaqwakoperasi@gmail.com
Mengapa Koperasi Al Taqwa Kg Kisap Langkawi Berhad (COOPALTAQWA KATKLB)?
Kelebihan dengan sertai Koperasi Al Taqwa Kg Kisap Langkawi Berhad (COOPALTAQWA KATKLB) bukan sahaja memberikan perkhidmatan kewangan yang berlandaskan syariah, tetapi juga membuka peluang untuk memiliki rumah, insurans kenderaan, dan perkhidmatan pelancongan yang lebih beretika. Jadi, sertai kami hari ini dan nikmati keistimewaan sebagai anggota koperasi yang berlandaskan Islam.
LOREM: Ringkasan
Tajuk Artikel: Kebankrapan
Kategori: #Bank #BSN #PinjamanPeribadi
Tujuan: #MaklumatAm #Promosi
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Bank Simpanan Nasional Berhad BSN Personal Loan dedicated to public sector, executive, sandaran SSP, ASB Financing? Apply now! Click here
Bank Simpanan Nasional Berhad BSN Personal Loan Summary
Bank Name: Bank Simpanan Nasional
Abbreviation / Code Name: BSN
Bank Promotion Name: General Info about BSN personal financing
About Bank Simpanan Nasional Berhad BSN Personal Loan
Bank Simpanan Nasional Berhad (BSN) adalah Personal Loan yang terbaik di Malaysia untuk kakitangan kerajaan, badan berkanun dan seumpamanya. Masih tercari-cari pakej pinjaman peribadi yang tepat dengan anda? Dengan kadar interest yang kompetitif, anda akan memperolehi apa yang anda inginkan dengan Pinjaman Peribadi Bank Simpanan Nasional Berhad BSN.Pinjaman Peribadi Bank Simpanan Nasional Berhad ini mempunyai kod potongan yang tersendiri iaitu dan masih dipotong dalam slipgaji bagi kakitangan kerajaan dan badan berkanun terpilih.
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
Malaysian citizens aged from 21 years old to 65 years old (for Medical Doctors) 50 years old (for Medical Officers)
Minimum gross income of RM3,000.00 per month.
Bank Simpanan Nasional BerhadGIRO/i account holder.
BSN Financing Loan
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 Bank Simpanan Nasional Berhad.
Vehicle Financing: MyAuto-i, MyAuto-i UsedCar, High Ranking Officials Scheme
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.
Personal Loan Conditions
Malaysian citizen aged 21 years old to 60 years old (subject to retirement age at the end of financing tenure).
Works in government sector / GLA / GLC / organizations which has the facility of salary deduction through BPA.
Minimum income of RM1,500 per month.
Permanent employee who has been employed for 3 months and above.
Our 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
Malaysian citizen aged 21 years old to 55 / 60* years old (subject to retirement age at the end of the financing tenure).
Open to permanent & contract officers and staff that have minimum one year of working experience.
Offered only to employees of Premier Developer Panel, Private Hospital, Telecommunication Company, Licensed Financial Institution, Multinational Company, PETRONAS Group of Companies, Selected Private University & College, Statutory Body, Government Link Company, Selected Public Listed Company in Main Market Bursa Malaysia (Financial, Plantation, Property, Technology,Trading / Service, Industrial Product, Consumer Sectors only) and Professionals (Doctor, Architect, Lawyer, Accountant and other certified Professionals).
Minimum gross income of RM3,000 per month (permanent staff) & RM10,000 (contract staff).
BSN GIRO/i Account holders.
Note: *Subject to employer confirmation
Personal Financing Info
Int Fixed Rate
Loan Floating Rate
Profit Rate
6.00% to 8.50%
BR + 5.00%
Profit Rate Without Takaful
Additional 1% from the above profit rate
Financing Limit
Income
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 Tenure
Minimum: 2 years Maximum: 10 years
Method of Payment
BSN Standing Instruction
Terms & conditions apply.
Private Sector Loan BSN 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
Malaysian citizens aged from 21 years old to 65 years old (for Medical Doctors) 50 years old (for Medical Officers)
Minimum gross income of RM3,000.00 per month.
Bank Simpanan Nasional Berhad GIRO/ i-account holder.
Bank Simpanan Nasional Berhad BSN Personal Loan Reviews
Customer Reviews about Bank Simpanan Nasional Berhad BSN Personal Loan
One of the best personal financings in Malaysia, BSN is the best choice among government and private sector. Apply your loan with Bank Simpanan Nasional now.
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.
Personal Loan
Executive-1
An exclusive personal loan package catered especially for executives. Applicant Eligibility must be Malaysian citizen aged 21 to 55 / 60* years old at the end of the loan tenure. The application is dedicted to permanent & contract officers and staff that have minimum three (3) years of working experience. Offered only to Employees of Premier Developer Panel, Private Hospital, Telecommunication Company, Licensed Financial Institution, Multinational Company, PETRONAS Group of Companies, Selected Private University & College, Statutory Body, Government Link Company, Selected Public Listed Company in Main Market Bursa Malaysia (Financial, Plantation, Property, Technology, Trading / Service, Industrial Product, Consumer Sectors only) and Professionals (Doctor, Architect, Lawyer, Accountant and other certified Professionals). Minimum gross income of RM3,000 per month (permanent staff) & RM10,000 per month (contract staff) and BSN GIRO / GIRO-i Account holders. Note: *Subject to employer confirmation.
Documents Required
A copy of latest three (3) months’ Salary Slips; A copy of your NRIC (both sides); Latest EPF Statement; AND Confirmation Letter by Employer stating the below suh as Name and NRIC, Designation and Employment Status, Monthly salary and Date of Employment OR Latest EA / EC Statement and latest e-filing form or any verified documents by the Inland Revenue Board (LHDN). Note: *Subject to the current Terms & Conditions.
Product Features
Mode of payment is via standing Instruction from other Financial Institutions where the customer salary account is credited. BSN Standing Instruction. ATM/CDM and IBG (Interbank Giro).
Limit / Rate
No
Income
Interest Rate
Loan Limit
Tenure
1
RM3,000 to RM5,000
7.50%
Five (5) times of monthly gross income
Minimum: 2 years Maximum: 10 years
2
> RM5,000 to RM10,000
6.50%
Seven (7) times of monthly gross income
3
> RM10,000
5.50%
Ten (10) times of monthly gross income / maximum RM200,000 whichever is lower
Minimum Loan: RM10,000
Late Payment Charge
Monthly Instalments in Arrears×1%× Number of Days Overdue⁄ 365.
ASB Loan (SPD ASB) With Floating Rate
Get the funds you need quickly with 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 :
Minimum
Maximum
RM10,000
RM200,000 Excluding other charges)
Financing Rates
Tenure
Interest Rate
5 – 30 years or subject to the maximum age of 60 years whichever is earlier.
BLR -1.65% Government’s servant who owns BSN’s salary account. (Installment through Standing Instruction)
BLR – 1.60%Other categories of customer (Private or Government sector)
Late Payment Charge
Monthly installments in Arrears × 1% × Number of Days Overdue/ 365
Exec-1 with Floating Rate
An exclusive personal loan package offered from BSN only to employees of Premier Developer Panel, Private Hospital, Telecommunication Company, Licensed Financial Institution, Multinational Company, PETRONAS Group of Companies, selected Private University & College, Statutory Body, Government Link Company, selected Public Listed Company in Main Market Bursa Malaysia (Financial, Plantation, Property, Technology, Trading / Service, Industrial Product, Consumer Sectors only) and Professional (Doctor, Architect, Lawyer, Accountant, and other certified Professionals).
The best package for executive out there. Apply now and enjoy the benefit. All application must be subject to employer confirmation. The minimum gross salary requires with great benefit to enjoy. See product eligibility below.
Product Eligibility
Malaysian citizen. Aged 21 to 55 / 60* years old (subject to the retirement age). Open to Executive and above that has been employed ≥ 1 year. Minimum Gross Income: RM3,000 and above- Permanent Employee, RM10,000 and above – Contract Employee and BSN GIRO / GIRO-i account holder.
Note: *Subject to employer confirmation.
Documents Required
One (1) copy of NRIC (front and back);
One (1) copy of latest three (3) months’ pay slip.
Latest EPF statement; AND» Confirmation Letter by Employer stating info: Name- NRIC- Designation- monthly Salary- Date of Employment OR
Latest one (1) year EA / EC statement and e-filing form or any verified documents by the Inland Revenue Board (LHDN).
Note: » All document copies to be certified by BSN’s officer.
Limit (Minimum and Maximum)
Minimum: RM5,000
Maximum:
No.
Income
Loan Limit
1.
RM3,000 to ≤ RM5,000
Five (5) times of monthly gross income
2.
> RM5,000 to ≤ RM10,000
Seven (7) times of monthly gross income
3.
> RM10,000
Ten (10) times of monthly gross income / maximum RM200,000 whichever is lower
Financing Rates
Tenure
Interest Rate
Minimum: 2 years Maximum: 10 years
subject to: i. The retirement age, whichever is earlier. ii. Customer qualification
BLR + 2% (monthly basis)Current BLR: 6.85% (effective as at 22nd July 2014)
Late Payment Charge
»Monthly installments in Arrears × 1% × Number of Days Overdue / 365.
SPD ATM
This personal loan BSN offer exclusively to Malaysian Armed Force Personnel. Malaysian citizen. Aged 21 to ≤ 60 years old (subject to retirement age during completion of the loan). Malaysian Armed Force (MAF) staff- Lieutenant or equivalent and above only. Permanent employee who has been employed for ≥3 months. Minimum gross income (basic salary + fixed allowance) of RM3,000 per month. Monthly salary payment MUST be through BSN e-Payment System. BSN GIRO/ GIRO-i account holder. Document required:
A certified copy of latest 2 months’ salary slips.
A certified copy of your NRIC (both sides).
Confirmation letter from your employer with the details: Name/ NRIC No.- Designation / Status- Monthly Gross Income- Date of Employment- Date of Retirement / Tarikh Tamat Perkhidmatan (TTP).
Letter of Consent and Undertaking for Salary Account Deduction.
Proof of having GIRO / GIRO-i account.
Loan Limit Min. and Max.
Min. 5k and max is RM200,000
Interest Rate
1 to 10 years: 4.5%
The rate on the principal balance of the Facility shall be changed to the Default Rate (6.50%) if you commit any of the following events: – early retirement from MAF services;– quit or resign from MAF services;– terminated by MAF;– change BSN Salary Account to other bank or financial institutions;– fail to pay any of the Instalments in accordance with the repayment schedule as stipulated by the Bank.»Default Rate (6.50%) will remain unchanged until end of the loan tenure.
*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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