Personal Banking

• ​Malaysian/ non- Malaysian / Permanent Resident
• 18 years old and above
• Not a bankrupt

• Free from riba
• No process fees
• Profit amount is calculated daily
• Longer pawn period
• Jewellery kept safely under Takaful protection
• Transparent business deal and transaction is performed in a dedicated room with the customer present

• Any type of jewellery/gold EXCLUDING marhun item that in the form of religious statue and/ or animate beings.
• Gemstone jewellery
• Gold bar, wafer, coin or gold nuggets (MUST include purchase receipts or certificate of authenticity).
• Gold items rewarded by an employer to their employee in service with the condition that:
  • The employee needs to present the Certificate of Appreciation.
  • Gold quality is between 22 to 24 carat
  • Maximum weight is 300 grams.​

• Maximum margin of financing is up to 80% of the current market value of the jewellery (Marhun Value).
• Total daily/ accumulative financing limit is up to RM350,000
• Total daily financing for hollow jewellery is up to RM100,000

1. Total Profit

   Profit must be paid before/on due maturity profit date for every 1st and 2nd cycle of 6 month as per table below:

   Profit	First (1st 6 month)	Second (2nd 6 month)	Third (3rd 6 month)
   Date	Before/Due «Date Due Profit »	Before/Due «Date Due Profit »	Before/Due «Date Due Profit »



2. Amount Finance

   Amount finance must be paid on the expiry of tenure. (Principal amount + profit (3rd cycle).

   Amount Finance	First (1st 6 month)	Second (2nd 6 month)	Third (3rd 6 month)
   Date	NA	NA	Before/Due «Date Expiry of tenure»

• ​Profit Rate is calculated based on the marhun's value and pawn period
• Profit Rate table are as follows:

• Calculation formula CPR (Contractual Profit Rate) for Pawn Broking: a = b x c/100 x d
  • CPR = a
  • Marhun value = b
  • Profit rate = c
  • Loan tenure = d (Note: Loan tenure is based on daily calculation)

None

• PDS Pawn Broking-i