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Muamalat Vehicle Financing-i GradPack
Ar Rahnu
Muamalat Hire Purchase-i
Muamalat Vehicle Financing (BBA)-i Auto Grad Scheme
Based on Bai' Bithaman Ajil - a contract of normal sale with the payment of the selling price deferred, to an agreed later date.

Customer Eligibility

Minimum gross income of RM2,500.00 per month
A minimum age of 20 years old and a maximum of 35 years old during application
Minimum qualification of diploma level from institutions recognized by Malaysia Qualification Agency (MQA)  / Department of Higher Education, Ministry of Higher Education Malaysia
Application made within 5 years from the date of graduation
Confirmed staff (except for government staff and management trainees of private sector.)
*Terms & Conditions Apply

Documents Required

Photocopy of NIRC
Photocopy of driving license
Photocopy of 3 months latest salary slip (or employment's offer letter, if newly employed) for goverment staff or management trainees of private sector.
Photocopy of diploma/degree/transcript/final examination result upon application
Vehicle sales order
Application form duly completed

Profit Rate

According to Bank's prevailing profit rate.

Financing Tenure

Minimum 5 years and up to 9 years

Mode of Payment

Normal monthly installment payment through counter

Advance Payment

Compulsory, of which equivalent to 1 - 2 months installment prior disbursement

Model of Vehicles

National cars
Non-national cars-Toyota Vios, Honda City, Suzuki Swift, Ford Fiesta, Nissan Grand Livina and Nissan Latio

Product Disclosure Sheet (PDS)

Muamalat Vehicle Financing (BBA)-i
Pembiayaan Kenderaan Muamalat (BBA)-i

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