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