Bank Muamalat
Looking for a reliable personal loan in Malaysia? Bank Muamalat offers competitive financing tailored for government employees, military personnel, and retirees. With flexible terms and trusted service, it’s a smart choice for your financial needs. Apply now or explore your options today.
Introduction
Anti- Bribery & Corruption Statement
Bank Muamalat Malaysia Berhad (“BMMB”) and its subsidiaries are committed to conducting business with transparency, integrity and compliance with regulatory requirements as well as good corporate governance practices.
In line with this commitment, the Bank adopts a ‘zero tolerance’ approach against all forms of bribery and corruption. All members of the Board of Directors, staff and third parties must uphold the highest standard of integrity and accountability in discharging their duties.
The principles of BMMB’s Anti-Bribery and Corruption Policy state:
- Bribery: All forms of bribery and corruption in relation to BMMB’s activities are prohibited.
- No Gift Policy: The Bank has adopted a “No Gift” policy. It is prohibited to offer or receive any gift that may influence good judgment and decision making.
- Entertainment: All employees and directors are allowed to provide or accept entertainment to/from third parties only if for legitimate business purposes.
- Donation & Sponsorship: Sponsorship and Donation must be transparent and not used as a subterfuge for bribery.
Product & Services
Muamalat Invest
Muamalat Invest Sdn Bhd (“MISB”) is a wholly-owned subsidiary of Bank Muamalat Malaysia Berhad. Muamalat Invest, a licensed Islamic fund manager, has been a licensed fund management company since 2006, and was accorded the Islamic Fund Management license in September 2010.
Wakaf Muamalat
Economic prosperity through Wakaf
Since 2012, Wakaf Muamalat has been active to empower wakaf through various collaborations and synergies for broader outreach. To date, Wakaf Muamalat has collected more than RM 26.7 million. Through Wakaf Muamalat, the needy and underprivileged will be in good hands.
Explore wakaf opportunities with us!
Jariah Fund
Jariah Fund is an online crowdfunding platform which aims to assist the underprivileged and contribute to society. The platform eases the donation drive through its transparent features by providing current reports and updates of the amount collected and the state of the intended beneficiaries.
Popular Personal Loans
Structured Personal Financing-i
- Minimum Financing : 2 years
- Maximum Financing : 10 Years
- Financing Up to RM250,000*
- Age up to 70 years old*
- No Guarantor Required
- No Processing Fee
- No Hidden Charges
- Debt Consolidations
- *subject to terms and conditions
Pesara (3P) 5.50%/p.a
- Tenure Minimum: 3 years Maximum: 10 years
- Financing Amount Minimum: RM 5,000.00 Maximum: RM 250,000.00
- Profit Rate Competitive Flat & Floating Rate
- Mode of Payment Pension with BMMB
- Wasiat/Will – writing Optional (highly encourage)
- Takaful Optional (highly encourage)
i Programme
- Minimum Financing : 2 years
- Maximum Financing : 10 Years
- Financing Up to RM250,000*
- Age up to 70 years old*
- No Guarantor Required
- No Processing Fee
- No Hidden Charges
- Debt Consolidations
- *subject to terms and conditions
Cash-i $485/p.a
- Age 18 and above
- Financing up to 60 years old or up to retirement age (whichever is earlier)
- Malaysian citizen
- Government Employees Federal and State Governments Confirmed position or is a permanent staff Minimum Income (salary + fixed allowance) of RM3,000 and above
- Newly Employed Civil Servant (NECS) Minimum Income of RM2,000 Employment less than 1 year
- Government, GLCs, GLICs & Employers under Empanelment Program
Repayment Table
PESARA TENTERA & KAKITANGAN KERAJAAN 5:50% (TETAP)
| JUMLAH PEMBIAYAAN (RM) | 1 TAHUN | 2 TAHUN | 3 TAHUN | 4 TAHUN | 5 TAHUN | 6 TAHUN | 7 TAHUN | 8 TAHUN | 9 TAHUN | 10 TAHUN |
|---|---|---|---|---|---|---|---|---|---|---|
| 10,000 | 879 | 463 | 324 | 254 | 213 | 185 | 165 | 150 | 138 | 129 |
| 20,000 | 1,758 | 925 | 647 | 508 | 425 | 369 | 330 | 300 | 277 | 258 |
| 30,000 | 2,638 | 1,388 | 971 | 763 | 638 | 554 | 495 | 450 | 415 | 388 |
| 40,000 | 3,517 | 1,850 | 1,294 | 1,017 | 850 | 739 | 660 | 600 | 554 | 517 |
| 50,000 | 4,396 | 2,313 | 1,618 | 1,271 | 1,063 | 924 | 824 | 750 | 692 | 646 |
| 60,000 | 5,275 | 2,775 | 1,942 | 1,525 | 1,275 | 1,108 | 989 | 900 | 831 | 775 |
| 70,000 | 6,154 | 3,238 | 2,265 | 1,779 | 1,488 | 1,293 | 1,154 | 1,050 | 969 | 904 |
| 80,000 | 7,033 | 3,700 | 2,589 | 2,033 | 1,700 | 1,478 | 1,319 | 1,200 | 1,107 | 1,033 |
| 90,000 | 7,913 | 4,163 | 2,913 | 2,288 | 1,913 | 1,663 | 1,484 | 1,350 | 1,246 | 1,163 |
| 100,000 | 8,792 | 4,625 | 3,236 | 2,542 | 2,125 | 1,847 | 1,649 | 1,500 | 1,384 | 1,292 |
| 110,000 | 9,671 | 5,088 | 3,560 | 2,796 | 2,338 | 2,032 | 1,814 | 1,650 | 1,523 | 1,421 |
| 120,000 | 10,550 | 5,550 | 3,883 | 3,050 | 2,550 | 2,217 | 1,979 | 1,800 | 1,661 | 1,550 |
| 130,000 | 11,429 | 6,013 | 4,207 | 3,304 | 2,763 | 2,401 | 2,143 | 1,950 | 1,800 | 1,679 |
| 140,000 | 12,308 | 6,475 | 4,531 | 3,558 | 2,975 | 2,586 | 2,308 | 2,210 | 1,938 | 1,808 |
| 150,000 | 13,188 | 6,938 | 4,854 | 3,813 | 3,188 | 2,771 | 2,473 | 2,250 | 2,076 | 1,938 |
| 160,000 | 14,067 | 7,400 | 5,178 | 4,067 | 3,400 | 2,956 | 2,638 | 2,400 | 2,215 | 2,067 |
| 170,000 | 14,946 | 7,863 | 5,501 | 4,321 | 3,613 | 3,140 | 2,803 | 2,550 | 2,353 | 2,196 |
| 180,000 | 15,825 | 8,325 | 5,825 | 4,575 | 3,825 | 3,325 | 2,968 | 2,700 | 2,492 | 2,325 |
| 190,000 | 16,704 | 8,788 | 6,149 | 4,829 | 4,038 | 3,510 | 3,133 | 2,850 | 2,630 | 2,454 |
| 200,000 | 17,583 | 9,250 | 6,472 | 5,083 | 4,250 | 3,694 | 3,298 | 3,000 | 2,769 | 2,583 |
| 210,000 | 18,463 | 9,713 | 6,796 | 5,338 | 4,463 | 3,879 | 3,463 | 3,150 | 2,907 | 2,713 |
| 220,000 | 19,342 | 10,175 | 7,119 | 5,592 | 4,675 | 4,064 | 3,627 | 3,300 | 3,045 | 2,842 |
| 230,000 | 20,221 | 10,638 | 7,443 | 5,846 | 4,888 | 4,249 | 3,792 | 3,450 | 3,184 | 2,971 |
| 240,000 | 21,100 | 11,100 | 7,767 | 6,100 | 5,100 | 4,433 | 3,957 | 3,600 | 3,322 | 3,100 |
| 250,000 | 21,979 | 11,563 | 8,090 | 6,354 | 5,313 | 4,618 | 4,122 | 3,750 | 3,461 | 3,229 |
* Sebarang perubahan pembayaran balik pembiayaan tertakluk kepada terma & syarat.
For Armed Forces
Tawaran menarik bagi pinjaman peribadi seperti berikut:
Personal Financing-i For Armed Forces
| Loan Details | Investment & Refinancing for Armed Forces |
|---|---|
| Purpose | Settlement of Debt and Investment |
| Who Can Apply | Malaysia Armed Forces |
| Tenure | Minimum: 3 years, Maximum: 10 years* |
| Financing Amount |
Minimum: RM5,000.00 Maximum: RM100,000.00 |
| Profit Rate |
Flat: 5.5% p.a Floating: BFR + 1.8% (capped at 11%) |
| Mode of Payment | Auto debit from net salary via BMMB Current/Saving Account |
| Will Writing (Wasiat) | Optional |
| Takaful | Compulsory |
| Guarantor | Not required |
| Documents Required |
• Copy of BATC10/MyTentera (front and back) • Latest 1-month salary slip (Flat Rate) • Latest 2-month original salary slips (Floating Rate) • BMMB Current/Saving Account passbook • Latest settlement statement • Investment statement (if applicable) |
| Applicant’s Eligibility |
• LLP (Other Ranks): Maximum age 52 years • Officers: Maximum age 65 years |
Government & Related Agencies Staff
Financing products:
| Loan Details | PPK Financial Management Financing – Investment & Refinancing (Civilian) |
|---|---|
| Purpose | Settlement of debt and investment |
| Who Can Apply | Federal / State Government staff, Government-linked companies, and selected organizations |
| Tenure | Minimum: 3 years, Maximum: 10 years |
| Financing Amount | Minimum: RM5,000.00 Maximum: RM100,000.00 |
| Profit Rate |
Flat Rate: – Without Ju’alah: 5.5% p.a – With Ju’alah: 5.7% p.a Floating Rate: BFR + 1.8% (capped at 11%) |
| Mode of Payment |
a) Auto debit from net salary via BMMB Current/Saving Account b) Salary deduction at source by employer |
| Will Writing (Wasiat) | Optional |
| Takaful | Compulsory |
| Guarantor | Not required |
| Documents Required |
• Copy of NRIC (front and back) • Latest 1-month salary slip (Flat Rate) • Latest 3-month original salary slips (Floating Rate) • Employment confirmation letter • Latest settlement statement • Investment statement (if applicable) |
| Applicant’s Eligibility |
• Employment: – Non-Government: Permanent & confirmed staff with minimum 3 years of service – Government: Confirmed staff • Repayment capacity determined by NDI & DSR |
Note:
- Customer’s not a Bankruptcy during apply BMMB financing
- Terms and conditions apply
Selected Organizations Staff
| Loan Feature | Investment & Refinancing (Civilian – Selected Organization) |
|---|---|
| Purpose | Settlement of debt and investment |
| Who Can Apply | Staff from selected organizations |
| Tenure | Minimum: 3 years Maximum: 10 years |
| Financing Amount |
Minimum: RM5,000.00 Maximum: RM150,000.00 (Floating Rate) Maximum: RM100,000.00 (Flat Rate) |
| Profit Rate |
Flat Rate: – Without Ju’alah: 5.5% p.a – With Ju’alah: 5.7% p.a Floating Rate: BFR + 1.8% (capped at 11%) |
| Mode of Payment |
a) Auto debit from net salary via BMMB Current/Saving Account b) Salary deduction at source by employer |
| Will Writing (Wasiat) | Compulsory |
| Takaful | Compulsory |
| Guarantor | Not required |
| Documents Required |
• Copy of NRIC (front and back) • Latest 1-month salary slip (Flat Rate) • Latest 3-month original salary slips (Floating Rate) • Employment confirmation letter • Settlement statement • Investment statement (if applicable) |
Note:
- Customer’s not a Bankruptcy during apply BMMB financing
- Terms and conditions apply
2.45% Interest Rate
Among the advantages that you can enjoy if you apply for low interest personal financing as follows:
- Competitive profit rates from 2.45%
- Fast approval process of 3-5 working days.
- The maximum amount of financing is RM400,000.
- Flexy financing period 2-10 years.
- Fresh loan is allowed.
- Applicants with blacklisted records CCRIS CTOS are encourage to apply.
Annual 3.69% (Blacklisted)/p.a
- Max financing RM400K
- Loan tenure 2-10 years
- CCRIS CTOS is eligible. Bank will settle your blacklist
- Basic salary RM3,000
- Minimum document needed
- Auto debit or pay slip salary deduction
*Source from Bank Muamalat Malaysia Berhad website
Takaful and Shariah Concepts
Tawarruq is a financing facility that is designed to provide cash financing to the customers for personal consumption/ use which does not contravene with the Shariah principles.
Generally, this product is based on Tawarruq as its underlying Shariah concept for provision of financing.
The financing structure under the Tawarruq arrangement involves the combination of Wa’d Mulzim, Murabahah, Wakalah and Bai’ Wadhi’ah contracts.
Tawarruq consists of two sale and purchase contracts where the first involves the sale of an asset by a seller to a purchaser on a deferred basis. Subsequently, the purchaser of the first sale will sell the same asset to a third party on a cash basis.
Murabahah refers to a sale and purchase of an asset where the acquisition cost and the mark-up are disclosed to the purchaser.
Wakalah means a contract in which a party (muwakkil) authorises another party as his agents (wakil) to perform a particular task, in matters that may be delegated, either voluntarily or with imposition of fee.
Wa’d refers to an expression of commitment given by one party to another to perform certain action(s) in the future.
Bai’ Wadhi’ah is a sale contract whereby the asset / commodity is sold at lower price than the cost incurred by the Customer.
Company Panel List
The following is the list of eligible Bank Muamalat panel companies. It includes more than 500 organizations, comprising government agencies, selected statutory bodies, and approved private companies. Please find the full panel list below.
Government
- Ministry of Finance (Incorporated)
- Khazanah Nasional Berhad
- Employees Provident Fund (KWSP)
- Lembaga Tabung Haji (TH)
- Kumpulan Wang Amanah Pencen (KWAP)
- Permodalan Nasional Berhad (PNB)
- Lembaga Tabung Angkatan Tentera (LTAT)
- Agensi Inovasi Malaysia
- Agensi Kelayakan Malaysia
- Akademi Sains Malaysia
- Fama Corporation Sdn Bhd
- Indah Water Konsortium
- Bank Negara Malaysia (BNM)
- Lembaga Kemajuan Wilayan Pulau Pinang (PERDA)
- Chief Minister of Penang (Incorporated)
- Lembaga Lebuhraya Malaysia (LLM)
- Felcra Berhad
- Perbadanan Kemajuan Kraftangan Malaysia
- Permodalan Kelantan Berhad
- Perbadanan Menteri Besar Kedah
- Perbadanan Menteri Besar kelantan
- Perbadanan Baitulmal Negeri Sabah
- SIRIM Berhad
- Universiti Malaysia Pahang
- Universiti Utara Malaysia (UUM)
- Universiti Malaysia Perlis
- Universiti Sains Malaysia (USM)
- Suruhanjaya Koperasi Malaysia
- Suruhanjaya Koperasi dan Multimedia Malaysia
- Suruhanjaya Syarikat Malaysia (SSM)
- Suruhanjaya Sekuriti
- Tekun Nasional
- Suruhanjaya Hak Asasi Manusia
- Suruhanjaya Persaingan Malaysia
Company & GLC
- Axiata Group Berhad
- Bina Darulaman Berhad
- Bintulu Port Holdings Bhd
- Bursa Malaysia Berhad (BSKL Kamariah dah Resign)
- Gamuda Berhad
- IJM Corporation Berhad
- Malaysia Airline System Berhad
- MISC Berhad
- Petronas Dagangan Berhad
- Petronas Gas Bhd
- Petronas Chemical Bhd
- Petronas Chemical Group
- Pharmaniaga Berhad
- MRCB Berhad
- Sime Darby Berhad
- Sime Darby Plantation Berhad
- Sime Darby Property Berhad
- SP Setia Berhad
- Takaful Malaysia
- Perodua Engine Manufacturing Sdn Bhd
- Perodua Manufacturing Sdn Bhd
- Perodua Sales Sdn Bhd
- Puspakom Sdn Bhd
- Putri Specialist Hospital Sdn Bhd
- Padiberas Nasional Berhad
- Pelabuhan Tanjung Pelepas Sdn Bhd
- Sabah Port Sdn Bhd
- Glenmarie Gold and Country Club
- Edaran Otomobil Nasional Berhad
- Kijang Kuari Sdn Bhd
- Sedafiat Sdn Bhd
- Rangkaian Teratai Sdn Bhd
- Lembaga Pertubuhan Peladang (LPP)
- Lembaga Totalisator Malaysia
- Majlis Agama Islam Negeri (MAINS)
- Lembaga Perusahaan Timah
- Majlis Agama Islam Wilayah Persekutuan (MAIWP)
- Melaka State Development Corporation
- Pahang State Development Corporation
- Penang State Development Corporation
- Perak State Development Corporation
- Perbadanan Putrajaya
- Perbadanan Stadium Malaysia
Company & GLC
- Telekom Malaysia
- Tenaga Nasional Berhad (TNB)
- UEM Group
- UEM Sunrise Berhad
- UEM Holdings Berhad
- Velesto Berhad (formerly known as UMW Oil and Gas)
- DRB Hicom and all its subsidiaries
- Malakoff Corporation Berhad
- Kontena Nasional Berhad
- Mitsubishi Motor Malaysia Sdn Bhd
- MMC Corporation Berhad and its subsidiaries
- Penang Port Sdn Bhd
- Proton Holding Berhad
- Senai Airport City Sdn Bhd
- Tanjung Bruas Port Sdn Bhd
- Tradewinds Corporation and its subsidiaries
- Kolej Yayasan Melaka Sdn Bhd
- Syarikat Air Johor (SAJ)
- Uni.Asia Life Insurance Berhad
- USF-HICOM (Malaysia) Sdn Bhd
For full list, please click pictures below:
Contact Us
Bank Muamalat Malaysia Berhad
Ibu Pejabat, Menara Bumiputra,
21 Jalan Melaka,
50100 Kuala Lumpur
Call Center: +603-2600 5500