Produk Peribadi

Pembiayaan-i / Education Financing-i
Take a step towards achieving your aspirations! With a Bank Rakyat Education Financing-i, you are able to focus on your studies while we take care your financial needs.
Tawarruq
  • Malaysian Citizen
  • Minimum age of 18 years old and maximum 60 years old at the end of the financing tenure
  • Minimum fixed monthly income of RM2,000
  • Financing up to RM1,000,000
  • Tenure up to 20 years (inclusive of grace period)
  • Grace Period based on study period OR maximum four (4) years; whichever comes first
  • Takaful coverage are optional
  • Guarantor is required
  • Collateral :
    Financing Amount (RM) Value Of Collateral
    ≤250,000 No collateral
    250,001 – 500,000 50% from financing amount
    >500,000 to 1 million

    75% from financing amount

    Type of collateral acceptable by the bank :
    • Mortgage
    • Term Deposit-i Account Bank Rakyat
    • Unit Trust Amanah Saham Bumiputera (ASB)
PAYMENT TYPE PROFIT RATE
  • Salary Transfer to Bank Rakyat
  • Biro Perkhidmatan Angkasa
  • Salary Deduction
BR + 3.65%
  • Electronic Payment

BR + 5.65%

*Note :

  1. Current Base Rate (BR) is 2.60%
  2. Additional profit rate of 1.50% over the current profit rate for financing without takaful
  3. Ceiling Rate = Effective + 4.00%
  Fixed Income Non Fixed Income
Documents Public Private Pensioner Business Owner/ Professional Commission Earners
Copy of Mykad/ My Tentera

Latest 3 months' salary slip  

 

 
Latest 3 months Bank Statement      
EPF Statement.        
  • At least one (1) of following document:

  • Confirmation letter from employer
  • EA form
     
Copy of government or army pensioner card          
Confirmation Letter Pension Transfer to Bank Rakyat        
Pension (JPA) / Ledger (JHEV) Statement        
Latest bank statement for 6 months transactions      
Business Registration Certificate      
Form 'B' sent to LHDN / Receipt payment        
License / membership of the Board of Trustees Recognized (Professional)      
Form A & D Registration Form 24 & 49 of company        
Statement of commission 6 months        
Original copy of university/college acceptance letter/certified true copy by university
Original copy of course fee schedule
TRANSACTION CHARGE
Custodian of security documents (post settlement) RM10/set/month
Stamp duty 0.5% of total financing as contained in the Stamp Duty Act 1949.
Legal Fees (if applicable) All legal fees and incidental expenses related to your financing
Wakalah Fee N/A
Disbursement Fee Included fees for registration charges and other related charges
Early Settlement Fee No Charges
Late Payment Charges During the financing tenure :
1% per annum on the outstanding amount of the monthly payment

After expiry of financing tenure :
Shall not be more than the prevailing daily overnight Islamic Interbank Money Market rate (IIMM) on the outstanding balance

Kadar, fi dan caj yang dipaparkan adalah efektif mulai 1 April 2019 berikutan pelaksanaan SST berkadar 6% mulai 1 September 2018. Tertakluk kepada terma dan syarat.

Untuk sebarang pertanyaan, sila kunjungi mana-mana cawangan terdekat atau hubungi Pusat Panggilan tele-Rakyat kami ditalian 1-300-80-5454.

*Tertakluk kepada terma dan syarat