Bank Islam Personal Loan-Personal Financing-i Package ( 3 types of personal loans)

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Bank Islam (Bank Islam Personal Loan) is a pioneer of Shariah-based banking in Malaysia and Southeast Asia. [near me]

It has come a long way to become a global leader in Islamic banking and uphold its status as a symbol of Islamic banking in Malaysia.

1. Personal Financing-i Package (Bank Islam Personal Loan)

Secured/unsecured financing packages to meet your financial needs.

It is calculated based on a fixed or variable rate.

It is Shariah-compliant and uses the concept of Shariah Tawarruq.

Benefits & Features

  • The minimum financing amount is RM10,000
  • Maximum financing amount RM200,000 (more with collateral)
  • Duration: 1 year to 10 years
  • Repayment scheme:
  • Salary cut
  • Auto Fund Transfer from Salary
  • Standing Instructions
  • No entry key period
  • Takaful Cover (optional)

Profit Rate Bank Islam Personal Loan

Fixed rate:

1 – 10 years: 4.20% to 8.00% p.a.
Variable Rate/Floating Rate:

1 – 3 years: Base Rate + 2.25% p.a.
4 – 10 years: Base Rate + 3.15% p.a.
Effective profit rate: 6.15% to 13.12% (depending on the period)

The Base Rate is determined by the benchmark Bank Islam Fund Cost and Statutory Reserve Requirement imposed by Bank Negara Malaysia (BNM).

Fees and Charges

  • Stamp duty
  • Wakalah/agency fee: RM50
  • Cancellation Costs when canceling financing
  • Late Payment Charges (Ta’widh)
  • Before ripening: 1% p.a. on installments in arrears until full payment
  • After maturity: The amount equivalent to the daily overnight Islamic Interbank Money Market Rate on the outstanding balance
  • Post-judgment debt: An amount equal to the daily overnight Interbank Money Market Rate on the basic judgment amount calculated from the date of judgment until the date of full payment
INFO DUIT ANDA>>>  Fast Loan Online Malaysia | 2 Best Special loan

Eligibility to apply for Bank Islam Personal Loan

  • 18 and above
  • Malaysia
  • Minimum income of RM2,000 per month

An employee at:
Government sector
Selected Public Listed Companies
Government Subsidiaries or Selected Public Listed Companies
Leading Private Companies are categorized under package companies

Documents Required

  • Copy of NRIC
  • Latest 3 months salary slip
  • Latest employer confirmation letter
  • Latest 3 months bank statement salary crediting an account
  • Late income statement (Form B/eBE/EA/EC)

Bank Islam Personal Loan-Personal Financing-i Package

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