Friday, 26 May 2017, 29 Sya'ban 1438H Solat Time:
KL Imsak 5:30 | Subuh 5:40 | Syuruk 7:02 | Zuhur 1:13 | Asar 4:37 | Maghrib 7:21 | Isyak 8:36

Non Package


Features

Financing Quantum

  • Based on eligibility limit and subject to minimum of RM10,000 and maximum amount of RM150,000
  • Financing RM30,000 and below – without guarantor
  • Financing more than RM30,000 – one guarantor

Payment Period

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

Financing Rate Offer With Takaful Coverage

Flat Rate

  • 1 – 3 years : 6.0% p.a. (Flat)
  • 4 – 8 years : 6.8% p.a (Flat)
  • 9 – 10 years : 7.0% p.a. (Flat)

Financing Rate Offer Without Takaful Coverage

Flat Rate

  • 1 – 3 years : 7.0% p.a. (Flat)
  • 4 – 8 years : 7.8% p.a (Flat)
  • 9 – 10 years : 8.0% p.a. (Flat)

Advance Payment

  • Equivalent to 2 months installment

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 RM3,500 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

Takaful Coverage – Optional

  • Personal Financing Takaful Plan

Documents Required

  • A copy of identity card
  • Latest 3 months’ 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

  • No hidden charges
  • Selling price – fixed and known
  • Fast approval
  • Competitive rate

* Terms and conditions apply

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