Personal Financing-i Private Sector
Tawarruq
|
SALARY |
FINANCING TENURE NEW APPLICATION |
REPEATED / OVERLAP APPLICATION
|
| RM2,000 – RM 3,000 | 5 years | 10 years |
| RM3,001 and above | 10 years | 10 years |
| PAYMENT TYPE | INCOME | ELIGIBILITY |
| RM 2,000 – RM 4,000 | 15 times monthly gross income |
| RM 4,001 – RM 6,000 | 20 times monthly gross income |
| More than RM 6,000 | 25 times monthly gross income |
| Electronic Payment | RM 1,000 – RM 5,000 | 5 times monthly gross income |
| Electronic Payment | RM 5,001 – RM 10,000 | 8 times monthly gross income |
| Electronic Payment | More than RM 10,000 | 10 times monthly gross income |
Floating Rate
| PAYMENT TYPE | FINANCING TENURE | PROFIT RATE |
| Up to 1 Year | SBR+ 4.91% |
| More than 1 Year - Up to 5 Years | SBR + 5.37% |
| More than 5 Years - Up to 10 Years | SBR + 5.47% |
| Electronic Payment | Up to 1 Year | SBR+ 6.91% |
| Electronic Payment | More than 1 Year - Up to 5 Years | SBR + 7.37% |
| Electronic Payment | More that 5 Years - Up to 10 Years | SBR + 7.47% |
*Note :
| DOCUMENTS REQUIRED | NEW APPLICATION | REPEATED/ OVERLAPPING |
| Copy of Mykad | / | / |
| Latest 3 months salary slip | / | / |
| Latest 3 months Bank Statements of salary crediting account | / | |
| EPF Statement | / | / |
And at least one (1) of the below:
| / | / |
| 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 : After expiry of financing tenure : |
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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