Monday, 16 July 2018, 3 Zulkaedah 1439H Solat Time:
KL Imsak 5:38 | Subuh 5:48 | Syuruk 7:10 | Zohor 1:22 | Asar 4:46 | Maghrib 7:30 | Isyak 8:45

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 Offer With Takaful Coverage

Flat Rate
  • 1-10 years : 4.99% p.a. (Profit is calculated on a monthly basis based on “Sum of Digit”)

Floating Rate (Base Rate [BR])

  • 1-3 years  : Base Rate (BR) + 2.25% p.a.  (Profit is calculated on a daily basis based on “Monthly Rest”)
  • 4-10 years : Base Rate (BR) + 3.15% p.a.  (Profit is calculated on a daily basis based on “Monthly Rest”)

Note : Current BR is 3.90% p.a.

Financing Rate Offer Without Takaful Coverage

Flat Rate

  • 1-10 years : 5.99% p.a. (Profit is calculated on a monthly basis based on “Sum of Digit”)

Floating Rate (Base Rate [BR])

  • 1-3 years : Base Rate (BR) + 3.25% p.a. (Profit is calculated on a daily basis based on “Monthly Rest”)
  • 4-10 years : Base Rate (BR) + 5.15% p.a. (Profit is calculated on a daily basis based on “Monthly Rest”)

Note : Current BR is 3.90% p.a.

 Advance Payment

  • Equivalent to 2 months installment

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:
    • Permanent Staff : 6 months
    • Contract Staff : 2 years (Government only)

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

Takaful Coverage

  • Personal Financing Takaful Plan – Optional

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

* Tertakluk pada terma dan syarat

Print Friendly