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

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2. Personal Financing-i None- Package

Benefits & Features of Bank Islam Personal Loan

  • The minimum financing amount is RM10,000
  • Maximum financing amount RM150,000
  • RM30,000 and below does not require a guarantor
  • RM30,000 and above require a guarantor
  • Duration: Up to 10 years or retirement age (whichever is earlier)
  • Repayment scheme:
  • Salary cut
  • Auto Fund Transfer from Salary
  • Standing Instructions
  • No entry key period
  • Takaful Cover (optional)

Profit Rate of Bank Islam Personal Loan

Average rate:

  • 1 – 3 years: 6.0% to 7.0% p.a.
  • 4 – 8 years: 6.8% to 7.8% p.a.
  • 9 – 10 years: 7.0% to 8.0% p.a.

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
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Eligibility to apply for Bank Islam Personal Loan

  • 18 and above
  • Malaysia
  • Minimum income of RM3,500 per month
  • An employee at:
  • Government sector
  • Public Listed Company
  • Government Subsidiaries or Public Listed Companies

Documents Required

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

3. Personal cash line-i (Bank Islam Personal Loan)

Bank Islam Personal Loan – Financing solutions you can get from your fixed deposits, structured investments, or unit trusts.

Benefits and Features

  • From the minimum financing amount of RM10,000
  • Financing margin:
  • 100% if guaranteed with a fixed deposit
  • 80% if guaranteed by a structured investment
  • 60% if guaranteed against a unit trust

Duration:

  • Guaranteed with fixed deposits or structured investments: maximum 5 years (no age limit)
  • Guaranteed by unit trusts: Maximum 5 years of retirement age or 70 years
  • Takaful case (optional)

Financing fees

Variable interest rate:

1-5 years: Base rate + 3.95% per annum

Eligibility


Guaranteed by fixed deposits or structured investments:

18 and over
Malaysia
Salary provider or sole proprietorship/partnership
Secured against unit trusts

18 years to 65 years
Malaysia
Minimum income of RM1,500 per month
Salary provider or sole proprietorship/partnership
If you are a sole proprietor/partnership: Minimum 2 years in business

Fees and charges

  • Stamp duty
  • Wakalah / Agency Fee: RM50
  • Cancellation costs when canceling financing
  • Late payment charges (Ta’widh)

Required documents – Bank Islam Personal Loan

Guaranteed by fixed deposits or structured investments

  • Salary opinion
  • Copy of NRIC
  • last pay slip
  • Bank statement salary credit account for the last 3 months
  • Sole owner / Company
  • Copy of NRIC
  • Business registration
  • Current account statement for the last 6 months
  • Secured against unit trusts
  • Salary opinion
  • Copy of NRIC
  • Salary slip for the previous 3 months
  • Bank statement salary credit account for the last 3 months
  • Most recent income statement (form B / E / EA / EC)
  • Sole Owner / Company
  • Copy of NRIC
  • Business registration
  • Current account statement for the last 6 months
  • Latest annual income statement (form BE / B) together with the payment receipt
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