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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 RM200,000

Payment Period

Maximum of 10 years (120 months) or up to the retirement age, whichever is earlier

Financing Rate

  • 1-3 years : 3.25% p.a. (with Bank Islam Will Writing, BancaTakaful products subscription or Bank Islam Card-i)
  • 1-3 years : 3.50% p.a.
  • 4-10 years : 4.99% p.a.
Eligibility (Salary Earner)
  • Applicant must be 25 years old 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:
    1. Permanent Staff : 6 months
    2. Contract Staff : 2 years (Government only)
  • Total deduction must not exceed 50% from the gross salary or if inclusive of house deduction, it must not exceed 60% of deduction
Eligibility (Sole Proprietorship or Partnership)
  • Applicant must be 25 years old and not exceeding the retirement age at the end of payment period (maximum entry age is 65 years and up to 70 years old)
  • Malaysian citizen
  • Earning a minimum gross monthly income of RM2,000 and above
  • Minimum of 2 years in business
  • Total deduction must not exceed 50% from the gross salary or if inclusive of house deduction, it must not exceed 60% 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 For salary earner applicant:-
  • Photocopy of Identity Card
  • Latest payslip
  • Latest letter of confirmation from employer (salary earner)
  • Certificate of registration with Malaysian Medical Council or Malaysian Dental Council

And at least one (1) of these:

  • Latest income statement (Form B/eBE/ EA/EC); or
  • Latest 3 months Bank Statements of salary crediting account; or
  • Any other latest 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 Annual income statement (BE/B 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 credited/business 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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