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Bank Islam
Bank Islam

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Programme for Medical Practitioner

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 or up to the retirement age, whichever is earlier

Financing Rate for Merdeka Special 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 (Salary Earner)
  • Applicant must be 25 years and not exceeding the retirement age at the end of payment period.
  • Malaysian citizen.
  • Fixed income earner with a minimum gross income of RM2,000 per month.
  • Minimum tenure in service:
  • Permanent Staff : 6 months
  • Contract Staff : 2 years (Government only)
  • Maximum total salary deduction of 75%
Eligibility (Sole Proprietorship or Partnership)
  • Applicant must be 25 years and not exceeding the retirement age at the end of payment period
  • Malaysian citizen
  • Earned a minimum gross monthly income of RM2,000 and above.
  • Minimum of 2 years in business.
  • Maximum total salary deduction of 75%

Takaful Coverage

Personal Financing Takaful Plan

Wakalah Fee

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

Documents Required For salary earner applicant:-
  • Photocopy of identity
  • Latest payslip
  • Latest Letter of confirmation from employer
  • Certificate of registration with Malaysian Medical Council or Malaysian Dental Council
  • Latest Annual income statement (EA/EC/B Form) OR latest 3 months Bank Statements of salary credited account OR any other supporting document such as EPF statement, if required.

For Sole Proprietorship or Partnership:-

  • Photocopy of identity card
  • Business Registration.
  • Last 6 months current account statement.
  • Latest Income tax form (J/BE Form) with payment receipt
  • Last 2 years financial statement
  • Certificate of registration with Malaysian Medical Council or Malaysian Dental Council.
Payment Method For salary earner applicant:-
  • Salary Deduction
  • Salary Transfer to Bank Islam with Auto-debit Instruction
  • Auto-debit Instruction from other Banks (from salary credited account)

For Sole Proprietorship or Partnership:-

  • Auto-debit Instruction from Bank Islam or other Banks (from salary credaited account)
  • Post Dated Cheque
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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