Compare Islamic Personal Loans in Malaysia 2018

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Islamic Personal Loan

Showing personal loan packages for loan amount of RM 10,000 over 5 years

KFH Murabahah Personal Financing-i Generic

KFH Murabahah Personal Financing-i Generic

Profit Rate: 6.0 %

( Effective Rate: 10.85% )

Monthly Payment: RM 217

(Total Repayment: RM 13,000)

More About This Product
  1. Maximum loan amount: RM 250,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    For Private sector only

    Minimum gross monthly income of RM 3,000.00

    Takaful is compulsory

Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of the amount of arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
YIR Personal Financing

YIR Personal Financing

Profit Rate: 6.99 %

( Effective Rate: 12.49% )

Monthly Payment: RM 225

(Total Repayment: RM 13,495)

More About This Product
  1. Maximum loan amount: RM150,000
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 20 Years Old
  4. Maximum Age: 58 Years Old
  5. Islamic Financing
Fees and charges
  1. Stamp Duty: 0.5% of financing amount (Original copy) + RM10 (Photocopy)
YYP Personal Financing

YYP Personal Financing

Profit Rate: 6.99 %

( Effective Rate: 12.49% )

Monthly Payment: RM 225

(Total Repayment: RM 13,495)

More About This Product
  1. Maximum loan amount: RM150,000
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 20 Years Old
  4. Maximum Age: 58 Years Old
  5. Islamic Financing
Fees and charges
  1. Stamp Duty: 0.5% of financing amount (Original copy) + RM10 (Photocopy)
BSN MyRinggit-i Sandaran BSN SSP

BSN MyRinggit-i Sandaran BSN SSP

Profit Rate: 3.0 %

( Effective Rate: 5.64% )

Monthly Payment: RM 192

(Total Repayment: RM 11,500)

More About This Product
  1. Maximum loan amount: RM 1,000,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: Years Old
  4. Maximum Age: 65 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Authorised BSN SSP unit/certificate holder

    No Guarantor is Required

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1%p.a on the amount in arrears.
  4. Early Settlement Fee: None
  5. Handling Fee: None
MBSB Mumtaz-i

MBSB Mumtaz-i

Profit Rate: 3.69 %

( Effective Rate: 6.87% )

Monthly Payment: RM 198

(Total Repayment: RM 11,845)

More About This Product
  1. Maximum loan amount: RM 250,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 19 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Government Employee

    Employee of Government Link-Company (GLC)

    State Government Link-Company

    Local Council

    Approved companies under Non-Biro arrangement

Fees and charges
  1. Stamp Duty: None
  2. Processing Fee: None
  3. Late Payment Fee: 1% of the total outstanding loan amount and not compounded
  4. Early Settlement Fee: None
  5. Handling Fee: None
Ambank Personal Financing-i

Ambank Personal Financing-i

Profit Rate: 4.35 %

( Effective Rate: 8.03% )

Monthly Payment: RM 203

(Total Repayment: RM 12,175)

More About This Product
  1. Maximum loan amount: RM 150,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    No Guarantor or No Collateral is Required

Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
MBSB Afdhal-i

MBSB Afdhal-i

Profit Rate: 4.4 %

( Effective Rate: 8.12% )

Monthly Payment: RM 204

(Total Repayment: RM 12,200)

More About This Product
  1. Maximum loan amount: RM 400,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 19 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Confirmed and permanent staff

    Government employee

    Salaried employee

Fees and charges
  1. Stamp Duty: None
  2. Processing Fee: None
  3. Late Payment Fee: None
  4. Early Settlement Fee: None
  5. Handling Fee: None
RHB Personal Financing-i for Civil Sector

RHB Personal Financing-i for Civil Sector

Profit Rate: 4.5 %

( Effective Rate: 8.29% )

Monthly Payment: RM 205

(Total Repayment: RM 12,250)

More About This Product
  1. Maximum loan amount: RM 200,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 18 Years Old
  4. Maximum Age: 58 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    No guarantor required

Fees and charges
  1. Stamp Duty: RM10
  2. Processing Fee: RM30
  3. Late Payment Fee: 1% on outstanding loan amount
  4. Early Settlement Fee: None
  5. Handling Fee: None
Bank Rakyat Personal Financing-i Public Sector

Bank Rakyat Personal Financing-i Public Sector

Profit Rate: 4.54 %

( Effective Rate: 8.36% )

Monthly Payment: RM 205

(Total Repayment: RM 12,270)

More About This Product
  1. Maximum loan amount: RM 200,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 18 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    No Guarantor is Required

    Minimum of three (3) months in service

    Takaful Insurance is Optional

Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
BSN MyRinggit-i SCOP (Super Klasik B)

BSN MyRinggit-i SCOP (Super Klasik B)

Profit Rate: 4.6 %

( Effective Rate: 8.47% )

Monthly Payment: RM 205

(Total Repayment: RM 12,300)

More About This Product
  1. Maximum loan amount: RM 200,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    PDRM employees with salary account under Bahagian Akaun, KDN

    Permanent employee who has been employed for more than 3 months

    BSN GIRO/i account holder

     

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1%p.a on the amount in arrears.
  4. Early Settlement Fee: None
  5. Handling Fee: None
BSN MyRinggit-i SKAP (Klasik)

BSN MyRinggit-i SKAP (Klasik)

Profit Rate: 4.6 %

( Effective Rate: %)

Monthly Payment: RM 205

(Total Repayment: RM 12,300)

More About This Product
  1. Maximum loan amount: RM 200,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Permanent Federal Government Servant

    Permanent employee who has been employed for more than 3 months – no guarantor required

    For contract / temporary employee (over 12 months’ service) - guarantor required

    BSN GIRO/i account holder

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1%p.a on the amount in arrears.
  4. Early Settlement Fee: None
  5. Handling Fee: None
BSN MyRinggit-i SKAP (Super Klasik B)

BSN MyRinggit-i SKAP (Super Klasik B)

Profit Rate: 4.6 %

( Effective Rate: %)

Monthly Payment: RM 205

(Total Repayment: RM 12,300)

More About This Product
  1. Maximum loan amount: RM 200,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Permanent Federal Government Servant

    Permanent employee who has been employed for more than 3 months – no guarantor required

    For contract / temporary employee (over 12 months’ service) - guarantor required

    BSN GIRO/i account holder

     

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1%p.a on the amount in arrears.
  4. Early Settlement Fee: None
  5. Handling Fee: None
BSN MyRinggit-i BPA (Klasik)

BSN MyRinggit-i BPA (Klasik)

Profit Rate: 4.6 %

( Effective Rate: %)

Monthly Payment: RM 205

(Total Repayment: RM 12,300)

More About This Product
  1. Maximum loan amount: RM 200,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Employees of government / Statutory Bodies / selected organisations with salary deduction facility through BPA

    Permanent employee who has been employed for more than 3 months – no guarantor required

    For contract / temporary employee (over 12 months’ service) - guarantor required

    BSN GIRO/i account holder

     

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1%p.a on the amount in arrears.
  4. Early Settlement Fee: None
  5. Handling Fee: None
BSN MyRinggit-i BPA (Super Klasik B)

BSN MyRinggit-i BPA (Super Klasik B)

Profit Rate: 4.6 %

( Effective Rate: %)

Monthly Payment: RM 205

(Total Repayment: RM 12,300)

More About This Product
  1. Maximum loan amount: RM 200,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Employees of government / Statutory Bodies / selected organisations with salary deduction facility through BPA

    Permanent employee who has been employed for more than 3 months – no guarantor required

    For contract / temporary employee (over 12 months’ service) - guarantor required

    BSN GIRO/i account holder

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1%p.a on the amount in arrears.
  4. Early Settlement Fee: None
  5. Handling Fee: None
 BSN MyRinggit-i SKAN (Klasik)

BSN MyRinggit-i SKAN (Klasik)

Profit Rate: 4.6 %

( Effective Rate: %)

Monthly Payment: RM 205

(Total Repayment: RM 12,300)

More About This Product
  1. Maximum loan amount: RM 200,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    State Government Department employees with salary accounts under State Treasury / Finance Department

    Permanent employee who has been employed for above 3 months

    For contract / temporary employee (over 12 months’ service) - guarantor required

    BSN GIRO/i account holder

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1%p.a on the amount in arrears.
  4. Early Settlement Fee: None
  5. Handling Fee: None
BSN MyRinggit-i SKAN (Super Klasik B)

BSN MyRinggit-i SKAN (Super Klasik B)

Profit Rate: 4.6 %

( Effective Rate: %)

Monthly Payment: RM 205

(Total Repayment: RM 12,300)

More About This Product
  1. Maximum loan amount: RM 200,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    State Government Department employees with salary accounts under State Treasury / Finance Department

    Permanent employee who has been employed for above 3 months

    For contract / temporary employee (over 12 months’ service) - guarantor required

    BSN GIRO/i account holder

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1%p.a on the amount in arrears.
  4. Early Settlement Fee: None
  5. Handling Fee: None
Bank Rakyat Personal Financing-i for Pensioner

Bank Rakyat Personal Financing-i for Pensioner

Profit Rate: 4.79 %

( Effective Rate: %)

Monthly Payment: RM 207

(Total Repayment: RM 12,395)

More About This Product
  1. Maximum loan amount: RM 100,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 55 Years Old
  4. Maximum Age: 65 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    No Guarantor is Required

    Takaful Insurance is Optional

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1%p.a on the amount in arrears.
  4. Early Settlement Fee: None
  5. Handling Fee: None
Bank Muamalat Financial Management Financing (FMF) for Umrah & Ziarah (Tawarruq)-i

Bank Muamalat Financial Management Financing (FMF) for Umrah & Ziarah (Tawarruq)-i

Profit Rate: 4.85 %

( Effective Rate: %)

Monthly Payment: RM 208

(Total Repayment: RM 12,425)

More About This Product
  1. Maximum loan amount: RM 50,000.00
  2. Maximum Tenure: 60 Month(s)
  3. Minimum Age: 18 Years Old
  4. Maximum Age: Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Federal and state government employees

    GLCs employees

    Selected organisation employees

Fees and charges
  1. Stamp Duty: As per the Stamp Duty Act 1949
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of total outstanding amount
  4. Early Settlement Fee: None
  5. Handling Fee: None
Public Bank BAE Personal Financing-i

Public Bank BAE Personal Financing-i

Profit Rate: 4.88 %

( Effective Rate: %)

Monthly Payment: RM 208

(Total Repayment: RM 12,440)

More About This Product
  1. Maximum loan amount: RM 150,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 20 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    For confirmed and permanent staff, Government employees an Government-linked company employees.

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% of the current outstanding amount
  4. Early Settlement Fee: None
  5. Handling Fee: None
Bank Muamalat Personal Financing-i (3P Special Package, 3PS)

Bank Muamalat Personal Financing-i (3P Special Package, 3PS)

Profit Rate: 4.95 %

( Effective Rate: %)

Monthly Payment: RM 208

(Total Repayment: RM 12,475)

More About This Product
  1. Maximum loan amount: RM 150,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 45 Years Old
  4. Maximum Age: Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Employment under "Tetap & Berpencen" category

    For LLP - at least 18 years in services

    For Officer - Minimum 5 years before retirement

     

Fees and charges
  1. Stamp Duty: As per the Stamp Duty Act 1949
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. on total outstanding amount
  4. Early Settlement Fee: None
  5. Handling Fee: None
Bank Muamalat Financial Management Financing (FMF) for Membership Scheme (Tawarruq)-i

Bank Muamalat Financial Management Financing (FMF) for Membership Scheme (Tawarruq)-i

Profit Rate: 4.95 %

( Effective Rate: %)

Monthly Payment: RM 208

(Total Repayment: RM 12,475)

More About This Product
  1. Maximum loan amount: RM 10,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Government servant, confirmed staff non-government and confirmed/permanent staff

     

Fees and charges
  1. Stamp Duty: As per the Stamp Duty Act 1949
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. on total outstanding amount
  4. Early Settlement Fee: None
  5. Handling Fee: None
Bank Islam Personal Financing-i (Package with Fixed Rate)

Bank Islam Personal Financing-i (Package with Fixed Rate)

Profit Rate: 4.99 %

( Effective Rate: %)

Monthly Payment: RM 209

(Total Repayment: RM 12,495)

More About This Product
  1. Maximum loan amount: RM 200,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 18 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Personal Financing Takaful Plan is Required

Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
BSN MyRinggit-i ATM (Salary Deduction)

BSN MyRinggit-i ATM (Salary Deduction)

Profit Rate: 4.99 %

( Effective Rate: %)

Monthly Payment: RM 209

(Total Repayment: RM 12,495)

More About This Product
  1. Maximum loan amount: RM 200,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Open to all rank of Malaysian Armed Forces (MAF) staff

    Permanent employee who has been employed for 3 months and above

    No Guarantor or No Collateral is Required

    BSN GIRO/i account holder

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1%p.a on the amount in arrears.
  4. Early Settlement Fee: None
  5. Handling Fee: None
RHB Personal Financing-i for Pensioner

RHB Personal Financing-i for Pensioner

Profit Rate: 5.0 %

( Effective Rate: %)

Monthly Payment: RM 209

(Total Repayment: RM 12,500)

More About This Product
  1. Maximum loan amount: RM 100,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 55 Years Old
  4. Maximum Age: 67 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Only for Pensioners's of Malaysian Government Servant

    No Guarantor or Collateral Required

Fees and charges
  1. Stamp Duty: RM10
  2. Processing Fee: RM50
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
Bank Rakyat Personal Financing-i Private Sector

Bank Rakyat Personal Financing-i Private Sector

Profit Rate: 5.09 %

( Effective Rate: %)

Monthly Payment: RM 210

(Total Repayment: RM 12,545)

More About This Product
  1. Maximum loan amount: RM 150,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 18 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    No Guarantor is Required

    Takaful Insurance is Optional

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1%p.a on the amount in arrears.
  4. Early Settlement Fee: None
  5. Handling Fee: None
Affin Islamic Personal Financing-i

Affin Islamic Personal Financing-i

Profit Rate: 5.5 %

( Effective Rate: %)

Monthly Payment: RM 213

(Total Repayment: RM 12,750)

More About This Product
  1. Maximum loan amount: RM 150,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 58 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Confirmed and permanent staff, Salaried employee, Government Linked-Company (GLC) and Armed Forces 

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee:
  4. Early Settlement Fee: None
  5. Handling Fee: None
Al Rajhi Personal Financing-i Secured Against Gold

Al Rajhi Personal Financing-i Secured Against Gold

Profit Rate: 5.99 %

( Effective Rate: %)

Monthly Payment: RM 217

(Total Repayment: RM 12,995)

More About This Product
  1. Maximum loan amount: RM 500,000.00
  2. Maximum Tenure: 60 Month(s)
  3. Minimum Age: 60 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Takaful Insurance Required

    For Non Malaysian with Resident Gross Income of RM15,000 and above

Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: None
  3. Late Payment Fee: None
  4. Early Settlement Fee: None
  5. Handling Fee: None
Bank Islam Personal Financing-i (Non Package)

Bank Islam Personal Financing-i (Non Package)

Profit Rate: 6.0 %

( Effective Rate: %)

Monthly Payment: RM 217

(Total Repayment: RM 13,000)

More About This Product
  1. Maximum loan amount: RM 150,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 18 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Personal Financing Takaful Plan is Required

Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee:
  5. Handling Fee: None
BSN MyRinggit-i EKSEKUTIF-1

BSN MyRinggit-i EKSEKUTIF-1

Profit Rate: 6.0 %

( Effective Rate: %)

Monthly Payment: RM 217

(Total Repayment: RM 13,000)

More About This Product
  1. Maximum loan amount: RM 200,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Open to permanent & contract officers and staff that have minimum three (3) years of working experience

    BSN GIRO/i Account holders

    No Guarantor or No Collateral is Required

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1%p.a on the amount in arrears.
  4. Early Settlement Fee: None
  5. Handling Fee: None
Bank Islam Personal Financing-i (Package with Floating Rate)

Bank Islam Personal Financing-i (Package with Floating Rate)

Profit Rate: 6.15 %

( Effective Rate: %)

Monthly Payment: RM 218

(Total Repayment: RM 13,075)

More About This Product
  1. Maximum loan amount: RM 200,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 18 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Personal Financing Takaful Plan is Required

Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
BSN MyRinggit-i PRIMA

BSN MyRinggit-i PRIMA

Profit Rate: 6.5 %

( Effective Rate: %)

Monthly Payment: RM 221

(Total Repayment: RM 13,250)

More About This Product
  1. Maximum loan amount: RM 200,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 65 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    No Guarantor is Required

    BSN GIRO/i account holder

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
Al Rajhi Personal Financing-i Secured By Term Deposit

Al Rajhi Personal Financing-i Secured By Term Deposit

Profit Rate: 6.88 %

( Effective Rate: %)

Monthly Payment: RM 224

(Total Repayment: RM 13,440)

More About This Product
  1. Maximum loan amount: RM 500,000.00
  2. Maximum Tenure: 84 Month(s)
  3. Minimum Age: 25 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Takaful Insurance Required

    Term Deposit is on Auto Renewal

Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: None
  3. Late Payment Fee: None
  4. Early Settlement Fee: None
  5. Handling Fee: None
Al Rajhi Personal Financing-i

Al Rajhi Personal Financing-i

Profit Rate: 6.99 %

( Effective Rate: %)

Monthly Payment: RM 225

(Total Repayment: RM 13,495)

More About This Product
  1. Maximum loan amount: RM 150,000.00
  2. Maximum Tenure: 96 Month(s)
  3. Minimum Age: 25 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Takaful Insurance Required

    No Guarantor Required

    Fixed Income Earner Only

Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: None
  3. Late Payment Fee: None
  4. Early Settlement Fee: None
  5. Handling Fee: None
BSN MyRinggit-i ATM (Non Salary Deduction)

BSN MyRinggit-i ATM (Non Salary Deduction)

Profit Rate: 6.99 %

( Effective Rate: %)

Monthly Payment: RM 225

(Total Repayment: RM 13,495)

More About This Product
  1. Maximum loan amount: RM 200,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Malaysian Armed Force (MAF) staff - Lieutenant or equivalent and above only

    Permanent employee who has been employed for 3 months and above

    No Guarantor or No Collateral is Required

    BSN GIRO/i account holder

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1%p.a on the amount in arrears.
  4. Early Settlement Fee: None
  5. Handling Fee: None
AgroCash-i

AgroCash-i

Profit Rate: 7.2 %

( Effective Rate: %)

Monthly Payment: RM 227

(Total Repayment: RM 13,600)

More About This Product
  1. Maximum loan amount: RM 200,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 18 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Government Employee

    Government Linked-Company Employee

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: RM 30 to RM 50 (Brokerage fee)
  3. Late Payment Fee: 1% from current outstanding
  4. Early Settlement Fee: None
  5. Handling Fee: None
Affin Hajj, Umrah & Ziarah Financing-i (HUZF-i)

Affin Hajj, Umrah & Ziarah Financing-i (HUZF-i)

Profit Rate: 7.42 %

( Effective Rate: %)

Monthly Payment: RM 229

(Total Repayment: RM 13,710)

More About This Product
  1. Maximum loan amount: RM 100,000.00
  2. Maximum Tenure: 60 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 50 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Employees in public sector/GLCs and reputable private entities with permanent and confirmed job status

    Professionals practitioner such as doctors, lawyers, architects and etc

    Entrepreneurs or business owners with established income stream

    Armed forces personnel

Fees and charges
  1. Stamp Duty: As per the Stamp Duty Act 1949
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of total outstanding amount
  4. Early Settlement Fee: None
  5. Handling Fee: None
Bank Islam Personal Cash Line-i (Secured against Fixed Deposit)

Bank Islam Personal Cash Line-i (Secured against Fixed Deposit)

Profit Rate: 7.85 %

( Effective Rate: %)

Monthly Payment: RM 233

(Total Repayment: RM 13,925)

More About This Product
  1. Maximum loan amount: RM 200,000.00
  2. Maximum Tenure: 60 Month(s)
  3. Minimum Age: 18 Years Old
  4. Maximum Age: 65 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Personal Cash Line-i Takaful Plan is Required

    No Guarantor is Required

Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
Bank Islam Personal Cash Line-i (Secured against Structured Investment)

Bank Islam Personal Cash Line-i (Secured against Structured Investment)

Profit Rate: 7.85 %

( Effective Rate: %)

Monthly Payment: RM 233

(Total Repayment: RM 13,925)

More About This Product
  1. Maximum loan amount: RM 160,000.00
  2. Maximum Tenure: 60 Month(s)
  3. Minimum Age: 18 Years Old
  4. Maximum Age: 65 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Personal Cash Line-i Takaful Plan is Required

    No Guarantor is Required

Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
Bank Islam Personal Cash Line-i (Secured against Unit Trust )

Bank Islam Personal Cash Line-i (Secured against Unit Trust )

Profit Rate: 7.85 %

( Effective Rate: %)

Monthly Payment: RM 233

(Total Repayment: RM 13,925)

More About This Product
  1. Maximum loan amount: RM 120,000.00
  2. Maximum Tenure: 60 Month(s)
  3. Minimum Age: 18 Years Old
  4. Maximum Age: 65 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Personal Cash Line-i Takaful Plan is Required

    No Guarantor is Required

Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
Maybank Islamic Personal Financing-i

Maybank Islamic Personal Financing-i

Profit Rate: 8.0 %

( Effective Rate: %)

Monthly Payment: RM 234

(Total Repayment: RM 14,000)

More About This Product
  1. Maximum loan amount: RM 100,000.00
  2. Maximum Tenure: 72 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Government servant

    Employee of private sector and Self-employed

Fees and charges
  1. Stamp Duty: None
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
AmBank AmMoney Line Facility-i

AmBank AmMoney Line Facility-i

Profit Rate: 8.0 %

( Effective Rate: %)

Monthly Payment: RM 234

(Total Repayment: RM 14,000)

More About This Product
  1. Maximum loan amount: RM 100,000.00
  2. Maximum Tenure: 60 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    No Guarantor or No Collateral is Required

Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
Affin Education Financing-i

Affin Education Financing-i

Profit Rate: 8.1 %

( Effective Rate: %)

Monthly Payment: RM 235

(Total Repayment: RM 14,050)

More About This Product
  1. Maximum loan amount: RM 400,000.00
  2. Maximum Tenure: 180 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Student with joint applicants (parents, spouse, or sibling)

    Joint applicants must be Malaysian and 21 years old above

Fees and charges
  1. Stamp Duty: As per the Stamp Duty Act 1949
  2. Processing Fee: None
  3. Late Payment Fee: 1% from current outstanding
  4. Early Settlement Fee: None
  5. Handling Fee: None
Al Rajhi Personal Financing-i (Corporate Community Select Programme - Salary Deduction)

Al Rajhi Personal Financing-i (Corporate Community Select Programme - Salary Deduction)

Profit Rate: 8.25 %

( Effective Rate: %)

Monthly Payment: RM 236

(Total Repayment: RM 14,125)

More About This Product
  1. Maximum loan amount: RM 150,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 25 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Takaful Insurance Required

    Permanent Staff

    Minimum Length of 12 Months of Service

    No Guarantor Required

Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: None
  3. Late Payment Fee: None
  4. Early Settlement Fee: None
  5. Handling Fee: None
Alliance CashVantage Financing-i (Self-Employed)

Alliance CashVantage Financing-i (Self-Employed) Islamic

Profit Rate: 8.38 %

( Effective Rate: %)

Monthly Payment: RM 237

(Total Repayment: RM 14,190)

More About This Product
  1. Maximum loan amount: RM 150,000.00
  2. Maximum Tenure: 84 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    No collateral or guarantor is required

    Takaful coverage is optional

Fees and charges
  1. Stamp Duty: 0.5% of loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% on total arrears amount from due date to settlement date
  4. Early Settlement Fee: None
  5. Handling Fee: None
Alliance CashVantage Financing-i (Salaried Employee)

Alliance CashVantage Financing-i (Salaried Employee) Islamic

Profit Rate: 8.38 %

( Effective Rate: %)

Monthly Payment: RM 237

(Total Repayment: RM 14,190)

More About This Product
  1. Maximum loan amount: RM 150,000.00
  2. Maximum Tenure: 84 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    The interest rate for 1-year tenure is 3.99% flat p.a.

    The interest rate for 2-3 years tenure is 5.99% flat p.a.

     

Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
Alliance CashVantage Financing-i (Commission Earner)

Alliance CashVantage Financing-i (Commission Earner)

Profit Rate: 8.38 %

( Effective Rate: %)

Monthly Payment: RM 237

(Total Repayment: RM 14,190)

More About This Product
  1. Maximum loan amount: RM 150,000.00
  2. Maximum Tenure: 84 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    No collateral or guarantor is required

    Takaful coverage is optional

Fees and charges
  1. Stamp Duty: 0.5% of loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% on total arrears amount from due date to settlement date
  4. Early Settlement Fee: None
  5. Handling Fee: None
Bank Muamalat Personal Financing for Pensioner (3P) for Government Servant Pensioner (Tawarruq)-i

Bank Muamalat Personal Financing for Pensioner (3P) for Government Servant Pensioner (Tawarruq)-i

Profit Rate: 8.9 %

( Effective Rate: %)

Monthly Payment: RM 241

(Total Repayment: RM 14,450)

More About This Product
  1. Maximum loan amount: RM 150,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: Years Old
  4. Maximum Age: Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Malaysia Armed Forces Pensioner and all Government Pensioner

Fees and charges
  1. Stamp Duty: As per the Stamp Duty Act 1949
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. on total outstanding amount
  4. Early Settlement Fee: None
  5. Handling Fee: None
Bank Muamalat Personal Financing-i (Pembiayaan Pengurusan Kewangan, PPK)

Bank Muamalat Personal Financing-i (Pembiayaan Pengurusan Kewangan, PPK)

Profit Rate: 8.9 %

( Effective Rate: %)

Monthly Payment: RM 241

(Total Repayment: RM 14,450)

More About This Product
  1. Maximum loan amount: RM 150,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 45 Years Old
  4. Maximum Age: Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Employment under Tetap and Berpencen Scheme

Fees and charges
  1. Stamp Duty: As per the Stamp Duty Act 1949
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. on total outstanding amount
  4. Early Settlement Fee: None
  5. Handling Fee: None
Bank Muamalat Personal Financing-i (PPK Cuepacs Debt Settlement)

Bank Muamalat Personal Financing-i (PPK Cuepacs Debt Settlement)

Profit Rate: 8.9 %

( Effective Rate: %)

Monthly Payment: RM 241

(Total Repayment: RM 14,450)

More About This Product
  1. Maximum loan amount: RM 150,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 45 Years Old
  4. Maximum Age: Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Employment under Tetap and Berpencen scheme

    Guarantor or collateral not required

Fees and charges
  1. Stamp Duty: As per the Stamp Duty Act 1949
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. on total outstanding amount
  4. Early Settlement Fee: None
  5. Handling Fee: None
Bank Muamalat Personal Financing-i (Education Financing)

Bank Muamalat Personal Financing-i (Education Financing)

Profit Rate: 8.9 %

( Effective Rate: %)

Monthly Payment: RM 241

(Total Repayment: RM 14,450)

More About This Product
  1. Maximum loan amount: RM 50,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Confirmed employees of the Federal or State Government and permanent and confirmed employees of non-government

Fees and charges
  1. Stamp Duty: As per the Stamp Duty Act 1949
  2. Processing Fee: None
  3. Late Payment Fee: "•1% p.a. of the overdue amount (before maturity) • IIMM% of the total outstanding principal (after maturity) "
  4. Early Settlement Fee: As per bank discreation
  5. Handling Fee: None
BSN MyRinggit-i EKSEKUTIF-1 with Floating Rate

BSN MyRinggit-i EKSEKUTIF-1 with Floating Rate

Profit Rate: 9.1 %

( Effective Rate: %)

Monthly Payment: RM 243

(Total Repayment: RM 14,550)

More About This Product
  1. Maximum loan amount: RM 200,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Open to permanent or contract Executives and above who have been employed more than one (1) year

    Employees of Government Link Company (GLC), Government Link Agency (GLA), Public Listed Company,

    Multi-National Corporation, and any organization / companies as listed by BSN

    BSN GIRO/i Account holders

    No Guarantor or No Collateral is Required

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1%p.a on the amount in arrears.
  4. Early Settlement Fee: None
  5. Handling Fee: None
HSBC Amanah Personal Financing-i

HSBC Amanah Personal Financing-i

Profit Rate: 10.5 %

( Effective Rate: %)

Monthly Payment: RM 255

(Total Repayment: RM 15,250)

More About This Product
  1. Maximum loan amount: RM 150,000.00
  2. Maximum Tenure: 84 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Monthly salary of RM3,000 applies to existing customers who have any existing relationship with HSBC Amanah. Otherwise, the minimum monthly salary is RM5,000 per month.

Fees and charges
  1. Stamp Duty: None
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: No penalty. One month notice
  5. Handling Fee: 0
Hong Leong Personal Financing-i

Hong Leong Personal Financing-i

Profit Rate: 12.0 %

( Effective Rate: %)

Monthly Payment: RM 267

(Total Repayment: RM 16,000)

More About This Product
  1. Maximum loan amount: RM 150,000.00
  2. Maximum Tenure: 84 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    For Malaysian citizens employed as a Government servant, employee of a private sector organization, or self-employed.

Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
Standard Chartered Personal Financing-i

Standard Chartered Personal Financing-i

Profit Rate: 13.0 %

( Effective Rate: %)

Monthly Payment: RM 275

(Total Repayment: RM 16,500)

More About This Product
  1. Maximum loan amount: RM 250,000.00
  2. Maximum Tenure: 60 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 65 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Guarantor is not required

Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% from current outstanding account
  4. Early Settlement Fee: None
  5. Handling Fee: None
 AEON i-Cash Personal Financing for AEON Credit Card Principal Cardholders

AEON i-Cash Personal Financing for AEON Credit Card Principal Cardholders

Profit Rate: 14.4 %

( Effective Rate: %)

Monthly Payment: RM 287

(Total Repayment: RM 17,200)

More About This Product
  1. Maximum loan amount: RM 100,000.00
  2. Maximum Tenure: 84 Month(s)
  3. Minimum Age: 18 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    AEON Credit Card Principal Cardholders Only

Fees and charges
  1. Stamp Duty: 0.5% of financing amount
  2. Processing Fee: 2% - 4% of the financing amount, maximum fee is RM400
  3. Late Payment Fee: RM18 to RM40, subject to terms and conditions
  4. Early Settlement Fee: None
  5. Handling Fee: None
 AEON i-Cash Personal Financing for AEON Express Cardholders

AEON i-Cash Personal Financing for AEON Express Cardholders

Profit Rate: 14.4 %

( Effective Rate: %)

Monthly Payment: RM 287

(Total Repayment: RM 17,200)

More About This Product
  1. Maximum loan amount: RM 100,000.00
  2. Maximum Tenure: 84 Month(s)
  3. Minimum Age: 18 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    AEON Express Cardholders, Employed or Self-employed

Fees and charges
  1. Stamp Duty: 0.5% of financing amount
  2. Processing Fee: 2% - 4% of the financing amount, maximum fee is RM400
  3. Late Payment Fee: RM18 to RM40, subject to terms and conditions
  4. Early Settlement Fee: None
  5. Handling Fee: None
 AEON i-Cash Personal Financing for Non-AEON Cardholders

AEON i-Cash Personal Financing for Non-AEON Cardholders

Profit Rate: 18.0 %

( Effective Rate: %)

Monthly Payment: RM 317

(Total Repayment: RM 19,000)

More About This Product
  1. Maximum loan amount: RM 100,000.00
  2. Maximum Tenure: 84 Month(s)
  3. Minimum Age: 18 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Non-AEON Cardholders or New Customers Only

Fees and charges
  1. Stamp Duty: 0.5% of financing amount
  2. Processing Fee: 2% - 4% of the financing amount, maximum fee is RM400
  3. Late Payment Fee: RM18 to RM40, subject to terms and conditions
  4. Early Settlement Fee: None
  5. Handling Fee: None
CIMB Xpress Cash Financing-i (Fixed Income Earner)

CIMB Xpress Cash Financing-i (Fixed Income Earner)

Profit Rate: 18.0 %

( Effective Rate: %)

Monthly Payment: RM 317

(Total Repayment: RM 19,000)

More About This Product
  1. Maximum loan amount: RM 50,000.00
  2. Maximum Tenure: 60 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    At least 6 months of employment

    Takaful coverage is needed

Fees and charges
  1. Stamp Duty: 0.5% of loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of total outstanding amount
  4. Early Settlement Fee: None
  5. Handling Fee: None
CIMB Xpress Cash Financing-i (Variable Income Earner)

CIMB Xpress Cash Financing-i (Variable Income Earner)

Profit Rate: 18.0 %

( Effective Rate: %)

Monthly Payment: RM 317

(Total Repayment: RM 19,000)

More About This Product
  1. Maximum loan amount: RM 50,000.00
  2. Maximum Tenure: 60 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    At least 6 months of employment

    Takaful coverage is needed

Fees and charges
  1. Stamp Duty: 0.5% of loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of total outstanding amount
  4. Early Settlement Fee: None
  5. Handling Fee: None
CIMB Xpress Cash Financing-i (Self-Employed)

CIMB Xpress Cash Financing-i (Self-Employed)

Profit Rate: 18.0 %

( Effective Rate: %)

Monthly Payment: RM 317

(Total Repayment: RM 19,000)

More About This Product
  1. Maximum loan amount: RM 50,000.00
  2. Maximum Tenure: 60 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    At least 6 months of business establishment

    Takaful coverage is needed

Fees and charges
  1. Stamp Duty: 0.5% of loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of total outstanding amount
  4. Early Settlement Fee: None
  5. Handling Fee: None
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Frequently Asked Questions (FAQ)

A personal loan is an unsecured loan borrowed from a bank, credit union or online lender that you can use for any reason you have, and you would need to pay it back in fixed monthly payments.

An unsecured loan is not protected by any collateral, so if you happen to default on the loan, the lender is not able to automatically take your assets.

A secured loan is usually protected with a collateral (most of the time it's your property), and the interest rate in this type is lower than an unsecured loan. It can be more risky because you might lose your property if you are not able to make the payments, so it's important to understand how secured loans work.

A conventional loan follows the Conventional Financing Principles where lenders lend to borrowers to make a profit from the interest charged on the principal amount. For property loans, the borrower pays an interest on the outstanding principal amount. Interest rates can be fixed or based on a floating rate (e.g. BLR, KLIBOR).

An Islamic loan follows the Islamic Financing Principle which avoids interest-based transactions (Riba), and instead introduces the concept of buying something on the borrower’s behalf, and selling it back to the borrower for a profit. In place of interest, a profit rate is defined in the contract. Like Conventional Financing, profit rates can be fixed or based on a floating rate (e.g. BFR).

Interest rates in Malaysia are usually charged on a flat rate basis. The flat interest rate refers to the type where the interest is charged on the original amount, thus having nothing to do with what was paid initially.

It's possible but can be very hard to get a personal loan if you're unemployed because all the banks will request to provide a proof of income. Usually the best loan terms and rates are often reserved for customers with a good credit history, and for those in employment.

Generally, banks are reluctant to lend to students, as they're unlikely to be employed any time soon and may struggle to make repayments on time.

A short-term loan is one which is scheduled to be repaid in less than a year and the interest rate for this type of loan will usually be higher than a long-term loan. However, at the end of the term, you pay less interest than the longer duration loans.