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Bank Islam
Bank Islam

Personal Financing Print | Bookmark
 
Package


Features

Margin of financing

  • Up to 15 times gross salary and subject to minimum amount of RM10,000 and maximum amount of RM100,000

Payment Period

  • Maximum of 10 years or up to the retirement age, whichever is earlier

Profit Margin

  • 1 - 5 years : 5.70% p.a. (Flat)
  • 6 - 10 years : 5.90% p.a. (Flat)

Advance Payment

  • Equivalent to 2 months of monthly payment

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 RM1,200.00 per month.
  • Applicant must be a continued employee in any of the following:

- Government Sector

-  Selected Public Listed Companies

- Subsidiaries of Government or Selected Public Listed Company

- Other Prominent Private Limited Companies as categorized under package companies listed by Bank Islam

- Maximum total salary deduction of 75%

Takaful Coverage

  • Personal Financing Takaful Plan

Documents Required

  • Photocopy of identity card
  • Latest 3 month's salary slip
  • Latest employer's confirmation letter
  • Latest income tax form (Form B or Form EA/EC) OR latest 3 months bank statement (salary credited) OR latest EPF statement

Payment Method

  • Salary Deduction
  • Salary Transfer to Bank Islam with Auto-debit Instruction

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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