Tawarruq
Fixed Rate
Personal Financing-i DivA | Tenure (Year) | Profit Rate | |
Normal Package | Debt Consolidation | ||
Public Sector | Up to 1 year | 3.17% | 2.99% |
More than 1 Year - Up to 5 Years | 3.56% | 3.33% | |
More than 5 Years - Up to 10 Years | 3.88% | 3.64% | |
Private Sector | Up to 1 year | 4.39% | 4.19% |
More than 1 Year - Up to 5 Years | 4.48% | 4.27% | |
More than 5 Years - Up to 10 Years | 4.88% | 4.65% | |
Pensioner | Up to 1 year | 4.00% | n/a |
More than 1 Year - Up to 5 Years | 4.10% | ||
More than 5 Years - Up to 10 Years | 4.34% |
*Note: The profit rate above is for financing with and without takaful.
Public Sector
Documents Required | New Application | Repeated/ Overlapping |
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Private Sector
Documents Required | New Application | Repeated/ Overlapping |
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Pensioner
Documents Required | JPA | JHEV |
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Note:
JPA : Jabatan Perkhidmatan Awam
JHEV : Jabatan Hal Ehwal Veteren
Transaction | Charge |
Wakalah or Agency Fee | Wakalah or agency fee of RM28.30 |
Stamp duty fee | 0.5% of total financing as contained in the Stamp Duty Act 1949. |
Early Settlement Fee | Rebate (Ibra’) will be given on the deferred profit |
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 |
For any enquiries, please visit the nearest branch or call our Contact Centre tele-Rakyat at 1-300-80-5454.
*Terms and conditions apply.
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