Bandingkan Pinjaman Amanah Saham (ASB)

1. All eligible ASB investors under ASNB guidelines.


2. Individual with evidence of income only.


3. Student is not eligible to apply except working students with fixed income.


4. Low documentation fee.


5. Insurance is compulsory. Additional 5% will be added as premium.

1. Documentation fee: RM53

Nominal Stamp Duty: RM10

1. For Government / Private sector ONLY.


2. Eligibility
   
   
   
   • • All qualified ASB investors under the ASNB guidelines.
   
   
   
   
   • • Aged 18 to 65 years old at the end of the loan tenure.
   
   
   
   
   • • Permanent Employee or Self-employed.
   
   
   
   


3. Fixed income earner (Government’s & Private’s employees) or Self-employed.


4. MoF can upto 100% + 5% (including Stamp Duty, Collateral cost, Insurance and will fee).


5. Loan amount will be in multiple of RM1000 and subject to the following limit.

1. Stamp Duty


2. ASNB Certificate Fee: RM50 per certificate


3. Insurance (Optional)


4. Will Fee (If any): RM371


5. Late Payment Charge: Monthly installments in Arrears × 1% × Number of Days Overdue / 365

1. For Government Servant ONLY.


2. Eligibility
   
   
   
   • • All qualified ASB investors under the ASNB guidelines.
   
   
   
   
   • • Aged 18 to 65 years old at the end of the loan tenure 
   
   
   
   


3. MoF up to 100% + 5% (including Stamp Duty, Collateral cost, Insurance and will fee).


4. Loan amount will be in multiples of RM1000 and subject to the following limit.

1. Stamp Duty: As per the Stamp Duty Act 1949 (Revised 1989)


2. ASNB Certificate Fee: RM50 per certificate


3. Insurance (Optional)


4. Will Fee (If any): RM371


5. Late Payment Charge: Monthly installments in Arrears × 1% × Number of Days Overdue / 365

1. All eligible ASB investors under ASNB guidelines who are between the ages of 18 and 60 years old.


2. Individual with income documentation only.


3. Student is not eligible to apply except working students with fixed income.


4. Insurance is compulsory. Additional 5% will be added as premium.


5.  Additional 5% for 100% MoF is including insurance.


6. Maximum loan amount is up to RM200,000 per borrower, at any one time (including existing ASB Loan, if any) or up to the maximum amount allowed by ASNB, whichever lower.


7. Interest rate for first 3 years is BR+2.3%, there after the interest rate is BR+2.35%.

1. Stamp Duty:
• Letter of Offer: RM10
• Variable Standing Instruction: RM10


2. ASNB Certificate Fee: RM50 per certificate

1. The financing is based on the Bai’ ‘Inah which is the sale-based Shariah contract as approved by Shariah Advisory Council (SAC) of Bank Negara Malaysia (BNM).


2. All eligible ASB investors under ASNB guidelines who are between the ages of 18 and 60 years old.


3. Individual with income documentation only.


4. Student is not eligible to apply except working students with fixed income.


5. Insurance is compulsory. Additional 5% will be added as premium.


6.  Additional 5% for 100% MoF is including insurance.


7. Maximum loan amount is up to RM200,000 per borrower, at any one time (including existing ASB Loan, if any) or up to the maximum amount allowed by ASNB, whichever lower.


8. Interest rate for first 3 years is IBR+2.3%, there after the interest rate is IBR+2.35%.
   
   
   
   
   

1. Stamp Duties: as per Stamp Act 1949 (revised 1989)
2. Variable Standing Instruction: RM10.00 (for stamp duty)
3. ASNB Certificate Fee: RM53.00 per certificate (inclusive of 6% GST)