Vehicle Financing-i (An Naqlu 2) - Graduate Scheme


Vehicle Financing-i (An Naqlu 2) - Graduate Scheme

Shariah Concept

  • Tawarruq


  • Minimum requirement: Diploma holder
  • 100% from selling price


  • Malaysian
  • Age between 20 to 30 years old.
  • Minimum Salary RM2,000.

Payment Methods

  • Biro Perkhidmatan Angkasa (BPA)
  • Salary Deduction by Employer (PGM)
  • Cash and Electronic Payment (For Government and GLC staff only, minimum salary RM3,500.)

Required Documents

  • Copy of MyKad
  • Copy of Driving License
  • Copy of 3 months latest salary slips
  • Latest Bank Statement
  • Letter Offer and Acceptance Letter (Compulsory for Newly employed applicant with one month / less than 3 months in service)
  • Copy of Certified Diploma / Degree Transcript
  • Vehicle Sales Order (VSO)

Fees & Charges



Wakalah 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
Issuance of letter to JPJ for change of vehicle engine no., interchange of vehicle registration no., duplicates registration card etc.
RM15.00 per document
Issuance Of Letter To Authority For Transfer Of Vehicle To East Malaysia Or Vice Versa
RM15.00 per document
Late Payment Charges

During the financing tenure : 
1% per annum on the overdue instalment amount

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

Margin of Financing

  • RM30,000 - RM150,000

Financing Tenure

  • 4-9 Years

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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