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Bank Islam
Bank Islam

Personal Financing Print | Bookmark
 
Package

FEATURES

Financing Quantum

  • Based on eligibility limit and subject to minimum amount of RM10,000 and maximum amount of RM150,000

Payment Period

  • Maximum of 15 years (180 months) or up to the retirement age, whichever is earlier

Financing Rate Offer

  • 1-3 years : 3.25% p.a
  • 4-10 years : 4.99% p.a
  • 11-15 years : 5.50% p.a

Advance Payment

  • Equivalent to 2 months of monthly payment (if applicable)

 

ELIGIBILITY

  • Applicant must be 18 years and not exceeding the retirement age at the end of payment period
  • Malaysian citizen
  • Earning a minimum fixed income of RM3,00.00 per month.
  • Applicant and/or guarantor must be a continued employee in any of the following:
    • Government Sector
    • Public Listed Companies
    • Subsidiaries of Government or Public Listed Company
    • Total deduction must not exceed 40% from the gross salary or if inclusive of house deduction, it must not exceed 65% of deduction


Takaful Coverage

  • Personal Financing Takaful Plan


Wakalah Fee

  • RM50.00 - For being the customer's agent to sell commodity to the Broker


Documents Required

  • A copy of identity card
  • Latest 3 month's salary slip
  • Latest employer's confirmation letter

    and at least one (1) of these:
     
  • Latest income tax form (Form B or Form EA/EC)
  • Latest 3 months Bank Statements of salary crediting account; or
  • Any other latest supporting document such as EPF statement, if required 

 

Payment Method

  • Salary Deduction
  • Salary Transfer to Bank Islam with Auto-debit Instruction
  • Standing Instruction from other Banks (from salary credited account)

BENEFITS

  • Competitive rate
  • No hidden charges
  • No guarantor is required
  • No deposit
  • No processing fee
  • Flexible financing tenure
  • Selling price – fixed and known
  • Fast approval


* Terms and conditions apply

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References
Amanah Saham Bank Islam (ASBI)

  3 September 2010

ASBI

Net Asset Value (NAV) / Buying / Selling
(RM)

BIMB i Growth (Al-Mubin Fund)

0.2860

Al-Fakhim Fund

0.5202

Al-Munsif Fund

0.5299

Al-Falah Fund

0.5556

BIMB Invest Money Market Fund

1.0002



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