TermDescription
ConceptTawarruq
Features
  • Minimum Financing : 2 years
  • Maximum Financing : 10 Years
  • Financing Up to RM250,000*
  • Age up to 70 years old*
  • No Guarantor Required
  • No Processing Fee
  • No Hidden Charges
  • Debt Consolidations
*subject to terms and conditions
Selling priceFixed and Known Upfront
Takaful ProtectionOptional
Choices Mode of PaymentSalary Deduction / Salary Transfer / Standing Instruction
Wasiat/Will WritingHighly encouraged
Structure of ProductMuamalat Personal Financing-i (Tawarruq) is a financing facility that is designed to provide cash financing to the customers for personal consumption/ use which does not contravene with the Shariah principles.
Generally, this product is based on Tawarruq as its underlying Shariah concept for provision of financing. The financing structure under the Tawarruq arrangement involves the combination of Wa’d Mulzim, Murabahah, Wakalah and Bai’ Wadhi’ah contracts.
Shariah Concepts
  • Tawarruq consists of two sale and purchase contracts where the first involves the sale of an asset by a seller to a purchaser on a deferred basis. Subsequently, the purchaser of the first sale will sell the same asset to a third party on a cash basis.
  • Murabahah refers to a sale and purchase of an asset where the acquisition cost and the mark-up are disclosed to the purchaser.
  • Wakalah means a contract in which a party (muwakkil) authorises another party as his agents (wakil) to perform a particular task, in matters that may be delegated, either voluntarily or with imposition of fee.
  • Wa’d refers to an expression of commitment given by one party to another to perform certain action(s) in the future.
  • Bai’ Wadhi’ah is a sale contract whereby the asset / commodity is sold at lower price than the cost incurred by the Customer.
TermDescription
PurposeFor personal use
Who Can Apply
  • Malaysia Armed Forces Pensioner
  • All Government Pensioner
Tenure Minimum: 3 years
Maximum: 10 years
Financing AmountMinimum: RM 5,000.00
Maximum: RM 150,000.00
Profit RateCompetitive Flat & Floating Rate
Mode of PaymentPension with BMMB
Wasiat/Will - writingHighly encouraged
Takaful Optional
Documents Required
  • Copy of NRIC (front and back)
  • Copy of Pension Card
  • Pension Ledger / Statement
  • BMMB Saving Passbook
Applicants Eligibility
  • Repayment Capacity
    -
    Determine by NDI & DSR
  • Pension
    - Pension credited with BMMB and paid by JHEV for Armed Forces   
    - Pension credited with BMMB under Scheme A and paid by JPA

JADUAL PEMBAYARAN PEMBIAYAAN PERIBADI-i PESARA
untuk PESARA TENTERA & KAKITANGAN KERAJAAN

KADAR KEUNTUNGAN: 5:50% (TETAP)

JUMLAH PEMBIYAAN (RM)1 TAHUN2 TAHUN3 TAHUN4 TAHUN5 TAHUN6 TAHUN7 TAHUN8 TAHUN9 TAHUN10 TAHUN
10,000874.56456.89318.04248.90207.63180.31160.94146.55135.48126.73
15,0001,311.84685.34477.07373.35311.45270.46241.41219.83203.22190.09
20,0001,749.12913.79636.09497.80415.26360.61321.88293.11270.96253.46
25,0002,186.401,142.23795.11622.24519.08450.76402.35366.71338.71316.82
30,0002,623.681,370.68954.13746.69622.90540.92482.82439.66406.45380.19
35,0003,060.961,599.131,113.15871.14726.71631.07563.30512.94474.19443.55
40,0003,498.241,827.571,272.18995.59830.53721.22643.77586.22541.93506.92
45,0003,935.532,056.021,431.201,120.04934.34811.37724.24659.49609.67570.28
50,000 4,372.812,284.471,590.221,244.491,038.16901.53804.71732.77677.41633.65
55,0004,810.092,512.911,749.241,368.941,141.98991.68885.18806.05745.15697.01
60,0005,247.372,741.361,908.261,493.391,245.791,081.83965.65879.32812.89760.38
65,0005,684.652,969.812,067.291,617.841,349.611,171.981,046.12952.60880.63823.74
70,0006,121.933,198.252,226.311,742.291,453.421,262.141,126.591025.88948.37887.11
75,0006,559.213,426.702,385.331,866.731,557.241,352.291,207.061099.151016.12950.47
80,0006,996.493,655.152,544.351,991.181,661.061,442.441,287.531172.431083.861013.84
85,0007,433.773,883.592,703.372,115.631,764.871,532.591,368.001245.711151.601077.20
90,0007,871.054,112.042,862.392,240.081,868.691,622.751,448.471318.991219.341140.57
95,0008,308.334,340.493,021.422,364.531,972.501,712.901,528.941392.261287.081203.93
100,0008,745.614,568.933,180.442,488.98 2,076.321,803.051,609.421465.541354.821267.30
105,0009,182.894,797.383,339.462,613.432,180.141,893.201,689.891538.821422.561330.66
110,0009,620.175,025.833,498.482,737.882,283.951,983.361,770.361612.091490.301394.03
115,00010,057.455,254.273,657.502,862.332,387.772,073.511,850.831685.371558.041457.39
120,00010,494.735,482.723,816.532,986.772,491.592,163.661,931.301758.651625.791520.76
125,00010,932.015,711.173,975.553,111.222,595.402,253.812,011.771831.921693.531584.12
130,000 1,369.295,939.614,134.573,235.672,699.222,343.972,092.241905.201761.271647.49
135,00011,806.586,168.064,293.593,360.122,803.032,434.122,172.71 1978.481829.011710.85
140,00012,243.866,396.514,452.613,484.572,906.852,524.272,253.182051.751896.751774.22
145,00012,681.146,624.954,611.643,609.023,010.672,614.422,333.652125.031964.491837.58
150,00013,118.426,853.404,770.663,733.473,114.482,704.582,414.122198.312032.231900.95

* Sebarang perubahan pembayaran balik pembiayaan tertakluk kepada terma & syarat.

JADUAL PEMBAYARAN PEMBIAYAAN PERIBADI-i PESARA
untuk PESARA TENTERA & KAKITANGAN KERAJAAN

KADAR KEUNTUNGAN: BR + 4:95% (KADAR TERAPUNG)

JUMLAH PEMBIYAAN (RM)1 TAHUN2 TAHUN3 TAHUN4 TAHUN5 TAHUN6 TAHUN7 TAHUN8 TAHUN9 TAHUN10 TAHUN
10,000 872 tbb455316247205178158144133124
15,0001,308682474370308267238216199186
20,0001,744909631493410356317288266248
25,0002,1811,137789616513445396360332310
30,0002,6171,364947740 616533475432399372
35,0003,0531,5911,105863718622554504465434
40,0003,4891,8181,263986821711634576531496
45,0003,9252,0461,4211,109923800713648598558
50,0004,3612,2731,5791,2331,026889792720664620
55,0004,7972,5001,7361,3561,129978871792731682
60,0005,2332,7281,8941,4791,2311,067950864797744
65,0005,6702,9552,0521,6021,3341,1561,030936863806
70,0006,1063,1822,2101,7261,4361,2451,1091,008930868
75,0006,5423,4102,3681,8491,5391,3341,1881,080996930
80,0006,9783,6372,5261,9721,6421,4231,2671,1521,063992
85,0007,4143,8642,6842,0961,7441,5121,3471,2241,1291,054
90,0007,8504,0912,8412,2191,8471,6001,4261,2961,1961,116
95,0008,2864,3192,9992,3421,9501,6891,5051,3681,2621,178
100,0008,7224,5463,1572,4652,0521,7781,5841,4401,3281,240
105,0009,1594,7733,3152,5892,1551,8671,6631,5121,3951,302
110,0009,5955,0013,4732,7122,2571,9561,7431,5841,4611,364
115,00010,0315,2283,6312,8352,3602,0451,8221,6561,5281,426
120,00010,4675,4553,7892,9582,4632,1341,9011,7281,5941,488
125,00010,9035,6833,9473,0822,5652,2231,9801,8001,6611,550
130,00011,3395,9104,1043,2052,6682,3122,0591,8721,7271,613
135,00011,7756,1374,2623,3282,7702,4012,1391,9441,7931,675
140,00012,2116,3644,4203,4512,8732,4902,2182,0161,8601,737
145,00012,6486,5924,5783,5752,9762,5792,2972,0881,9261,799
150,00013,0846,8194,7363,6983,0782,6672,3762,1601,9931,861

* Sebarang perubahan pembayaran balik pembiayaan tertakluk kepada terma & syarat.

Product Disclosure Sheet

Download here

 

TermDescription
Purpose Debt Settlement & Investment
Who Can Apply
  • Malaysia Armed Forces Pensioner
  • All Federal/State Government/GLC & Selected Organizations Staff
Tenure Minimum: 3 years
Maximum: 10 years
Financing Amount Minimum: RM 5,000.00
Maximum: RM 150,000.00
Profit Rate Competitive Flat & Floating Rate
Mode of Payment
  • Salary with BMMB
  • Salary Deduction At Source
Wasiat/Will - writing Highly encouraged
Takaful Optional
Documents Required
  • Copy of NRIC or ID (front and back)
  • Latest 1 month salary slip (Flat Rate)
  • Latest 3 months salary slip (Floating Rate)
  • Employment Confirmation Letter
  • Latest Settlement Statement
  • Investment Statement (if applicable)
Applicants Eligibility
  • Repayment Capacity
    - Determine by NDI & DSR
  • Employment
    - Government:- Confirmed Staff                                                                         
    - Non Government:- Permanent and Confirmed staff with minimum 3 years in service

JADUAL PEMBAYARAN PEMBIAYAAN PERIBADI-i PENGURUSAN KEWANGAN
untuk KAKITANGAN KERAJAAN & ANGGOTA TENTERA

KADAR KEUNTUNGAN: 5.50% (TETAP)

JUMLAH PEMBIAYAAN (RM) 1 TAHUN2 TAHUN3 TAHUN 4 TAHUN5 TAHUN6 TAHUN7 TAHUN8 TAHUN9 TAHUN10 TAHUN
10,000879.17462.50323.61254.17212.50184.72164.88150.00138.43129.17
15,0001,318.75693.75485.42381.28318.75277.08247.32225.00207.64193.75
20,0001,758.33925.00647.22508.33425.00369.44329.76300.00276.85258.33
25,0002,197.921,156.25809.03635.42531.25461.81412.20375.00346.06322.92
30,0002,637.501,387.50970.83762.50637.50554.17494.64450.00415.28387.50
35,0003,077.081,618.751,132.64 889.58743.75646.53577.08525.00484.49452.08
40,000 3,516.671,850.001,294.441,016.67850.00738.89659.52600.00553.70516.67
45,0003,956.252,081.251,456.251,143.75956.25831.25741.96675.00622.92581.25
50,0004,395.832,312.501,618.061,270.831,062.50923.61824.40750.00692.13645.83
55,0004,835.422,543.751,779.861,397.921,168.751,015.97906.85825.00761.34710.42
60,0005,275.002,775.001,941.671,525.001,275.001,108.33989.29900.00830.56775.00
65,0005,714.583,006.252,103.471,652.081,381.251,200.691,071.73975.00899.77839.58
70,0006,154.173,237.502,265.281,779.171,487.501,293.061,154.171,050.00968.98904.17
75,0006,593.753,468.752,427.081,906.251,593.751,385.421,236.611,125.001,038.19968.75
80,0007,033.333,700.002,588.892,033.331,700.001,477.781,319.051,200.001,107.411,033.33
85,0007,472.923,931.252,750.692,160.421,806.251,570.141,401.491,275.001,176.621,097.92
90,0007,912.504,162.502,912.502,287.501,912.501,662.501,483.931,350.001,245.831,162.50
95,0008,352.084,393.753,074.312,414.582,018.751,754.861,566.371,425.001,315.051,227.08
100,0008,791.674,625.003,236.112,541.672,125.001,847.221,648.811,500.001,384.261,291.67
105,0009,231.254,856.253,397.922,668.752,231.251,939.581,731.251,575.001,453.471,356.25
110,0009,670.835,087.503,559.722,795.832,337.502,031.941,813.691,650.001,522.691,420.83
115,00010,110.425,318.753,721.532,922.922,443.752,124.311,896.131,725.001,591.901,485.42
120,00010,550.005,550.003,883.333,050.002,550.002,216.671,978.571,800.001,661.111,550.00
125,00010,989.585,781.254,045.143,177.082,656.252,309.032,061.011,875.001,730.321,614.58
130,000 11,429.176,012.504,206.943,304.172,762.502,401.392,143.451,950.001,799.541,679.17
135,00011,868.756,243.754,368.753,431.252,868.752,493.752,225.892,025.001,868.751,743.75
140,00012,308.336,475.004,530.563,558.332,975.002,586.112,308.332,100.001,937.961,808.33
145,00012,747.926,706.254,692.363,685.423,081.252,678.472,390.772,175.002,007.181,872.92
150,00013,187.506,937.504,854.173,812.503,187.502,770.832,473.212,250.002,076.391,937.50

* Sebarang perubahan pembayaran balik pembiayaan tertakluk kepada terma & syarat.

JADUAL PEMBAYARAN PEMBIAYAAN PERIBADI-i PENGURUSAN KEWANGAN
untuk KAKITANGAN KERAJAAN

KADAR KEUNTUNGAN: BR + 4.95% (KADAR TERAPUNG)

JUMLAH PEMBIAYAAN (RM)1 TAHUN2 TAHUN3 TAHUN4 TAHUN5 TAHUN6 TAHUN7 TAHUN8 TAHUN9 TAHUN10 TAHUN
10,000 871453315245204177157143132123
15,0001,307680472368306265236214197184
20,0001,742907629491408353314285263245
25,0002,1781,134786613510442393357329307
30,0002,6131,360944736612530471428395368
35,0003,0491,5871,1018597146182550499460429
40,0003,4841,8141,258981816706629571526491
45,0003,9202,0411,4161,104918795707642592552
50,0004,3552,2671,5731,2271,020883786713658614
55,0004,7912,4941,7301,3491,122971864785723675
60,0005,2272,7211,8871,4721,2241,060943856789736
65,0005,6622,9472,0451,5951,3261,1481,022927855798
70,0006,0983,1742,2021,7171,4281,2361,100999921859
75,0006,5333,4012,3591,8401,5301,3251,1791,070987920
80,0006,9693,6282,5171,9631,6321,4131,2571,1421,052982
85,0007,4043,8542,6742,0851,7341,5011,3361,2131,1181,043
90,0007,8404,0812,8312,2081,8361,5891,4141,2841,1841,104
95,0008,2754,3082,9882,3311,9381,6781,4931,3561,2501,166
100,0008,7114,5353,1462,4542,0401,7661,5721,4271,3151,227
105,0009,1464,7613,3032,5762,1421,8541,6501,4981,3811,288
110,0009,5824,9883,4602,6992,2441,9431,7291,5701,4471,350
115,00010,0175,2153,6172,8222,3462,0311,8071,6411,5131,411
120,00010,4535,4423,7752,9442,4482,1191,8861,7121,5781,472
125,00010,8895,6683,9323,0672,5502,2081,9651,7841,6441,534
130,00011,3245,8954,0893,1902,6522,2962,0431,8551,7101,595
135,00011,7606,1224,2473,3122,7542,3842,1221,9261,7761,657
140,00012,1956,3484,4043,4352,8562,4722,2001,9981,8421,718
145,00012,6316,5754,5613,5582,9582,5612,2792,0691,9071,779
150,00013,0666,8024,7183,6803,0602,6492,3572,1401,9731,841

* Sebarang perubahan pembayaran balik pembiayaan tertakluk kepada terma & syarat.

JADUAL PEMBAYARAN PEMBIAYAAN PERIBADI-i PENGURUSAN KEWANGAN
untuk ANGGOTA TENTERA – LAIN-LAIN PANGKAT (LLP)

KADAR KEUNTUNGAN: BR + 5.05% (KADAR TERAPUNG)

JUMLAH PEMBIAYAAN (RM) 1 TAHUN2 TAHUN3 TAHUN4 TAHUN5 TAHUN6 TAHUN7 TAHUN8 TAHUN9 TAHUN10 TAHUN
10,000 872454315246204177158143132123
12,0001,046545378295245213189172158148
14,0001,220635441344286248221200185173
16,0001,394726504393327283252229211197
18,0001,569817567442368319284258238222
20,0001,743908630492409354315286264246
22,0001,917999693541450390347315291271
24,0002,0921,089756590491425378344317296
26,0002,2661,180819639532460410372343320
28,0002,4401,271882688573496441401370345
30,0002,6151,362945737613531473430396370
32,0002,7891,4531,008787654567505458423394
34,000 2,9631,5431,071836695602536487449419
36,0003,1381,6341,134885736638568516475444
38,0003,3121,7251,197934777673599544502468
40,0003,4861,8161,260983818708631573528493
42,0003,6611,9061,3231,032859744662601555518
44,0003,8351,9971,3861,082900779694630581542
46,0004,0092,0881,4491,131941815725659607567
48,0004,1832,1791,5121,180982850757687634592
50,000 4,3582,2701,5751,2291,022885788716660616
52,0004,5322,3601,6381,2781,063921820745687641
54,0004,7062,4511,7011,3271,104956851773713665
56,0004,8812,5421,7641,3771,145992883802740690
58,0005,0552,6331,8271,4261,1861,027914831766715
60,0005,2292,7231,8901,4751,2271,063946859792739
62,0005,4042,8141,9531,5241,2681,098978888819764
64,0005,5782,9052,0161,5731,3091,1331,009917845789
66,0005,7522,9962,0791,6221,3501,1691,041945872813
68,0005,9273,0872,1421,6721,3911,2041,072974898838
70,0006,1013,1772,2051,7211,4311,2401,1041,002924863
72,0006,2753,2682,2681,7701,4721,2751,1351,031951887
74,0006,4493,3592,3311,8191,5131,3111,1671,060977912
76,0006,6243,4502,3941,8681,5541,3461,1981,0881,004937
78,0006,7983,5412,4571,9171,5951,3811,2301,1171,030961
80,0006,9723,6312,5201,9671,6361,4171,2611,1461,056986

* Sebarang perubahan pembayaran balik pembiayaan tertakluk kepada terma & syarat.

JADUAL PEMBAYARAN PEMBIAYAAN PERIBADI-i PENGURUSAN KEWANGAN
untuk ANGGOTA TENTERA – PEGAWAI

KADAR KEUNTUNGAN: BR + 4:65% (KADAR TERAPUNG)

JUMLAH PEMBIAYAAN (RM) 1 TAHUN2 TAHUN3 TAHUN4 TAHUN5 TAHUN6 TAHUN7 TAHUN8 TAHUN9 TAHUN10 TAHUN
10,000 871453315245204177157143132123
15,0001,307680472368306265236214197184
20,0001,742907629491408353314285263245
25,0002,1781,134786613510442393357329307
30,0002,6131,360944736612530471428395368
35,0003,0491,5871,101859714618550499460429
40,0003,4841,8141,258981816706629571526491
45,0003,9202,0411,4161,104918795707642592552
50,0004,3552,2671,5731,2271,020883786713658614
55,0004,7912,4941,7301,3491,122971864785723675
60,0005,2272,7211,8871,4721,2241,060943856789736
65,0005,6622,9472,0451,5951,3261,1481,022927855798
70,0006,0983,1742,2021,7171,4281,2361,100999921859
75,0006,5333,4012,3591,8401,5301,3251,1791,070987920
80,0006,9693,6282,5171,9631,6321,4131,2571,1421,052982
85,0007,4043,8542,6742,0851,7341,5011,3361,2131,1181,043
90,0007,8404,0812,8312,2081,8361,5891,4141,2841,1841,104
95,0008,2754,3082,9882,3311,9381,6781,4931,3561,2501,166
100,0008,7114,5353,1462,4542,0401,7661,5721,4271,3151,227
105,0009,1464,7613,3032,5762,1421,8541,6501,4981,3811,288
110,0009,5824,9883,4602,6992,2441,9431,7291,5701,4471,350
115,00010,0175,2153,6172,8222,3462,0311,8071,6411,5131,411
120,00010,4535,4423,7752,9442,4482,1191,8861,7121,5781,472
125,00010,8895,6683,9323,0672,5502,2081,9651,7841,6441,534
130,00011,3245,8954,0893,1902,6522,2962,0431,8551,7101,595
135,00011,7606,1224,2473,3122,7542,3842,1221,9261,7761,657
140,00012,1956,3484,4043,4352,8562,4722,2001,9981,8421,718
145,00012,6316,5754,5613,5582,9582,5612,2792,0691,9071,779
150,00013,0666,8024,7183,6803,0602,6492,3572,1401,9731,841

* Sebarang perubahan pembayaran balik pembiayaan tertakluk kepada terma & syarat.

Product Disclosure Sheet- Civilian

Download here

 

Product Disclosure Sheet- PPK Army

Download here

 

TermDescription
PurposeFor personal purpose – Cash Consumption
Who Can Apply
  • Civil Servant
    - Government staff under pension scheme to retire within 5 years
  • Malaysian Armed Forces
    - Employment under “Tetap & Berpencen” category
    - For LLP – at least 18 years in services
    - For Officer – Minimum 5 years before retirement
TenureUp to 10 years
Financing AmountMinimum: RM 5,000.00
Maximum: RM 150,000.00
Profit RateCompetitive Flat & Floating Rate
Mode of Payment
  • Salary with BMMB
  • Salary Deduction At Source
Wasiat/Will - writingHighly encouraged
Documents Required
  • Copy of NRIC or ID (front and back)
  • Latest 1 month salary slip (Flat Rate)
  • Employment Confirmation Letter
  • Latest Settlement Statement
  • Investment Statement (if applicable)
Applicants Eligibility
  • Repayment Capacity
    - Determine by NDI & DSR
  • Employment
    - Under “Tetap & Berpencen”

JADUAL PEMBAYARAN PEMBIAYAAN PERIBADI-i PERSIAPAN PERSARAAN
untuk KAKITANGAN KERAJAAN & ANGGOTA TENTERA

KADAR KEUNTUNGAN: 4:65% (TETAP)

JUMLAH PEMBIAYAAN (RM) 1 TAHUN2 TAHUN3 TAHUN4 TAHUN5 TAHUN6 TAHUN7 TAHUN8 TAHUN9 TAHUN10 TAHUN
10,000872.08455.42316.53247.08205.42177.64157.80142.92131.34122.08
15,0001,308.13683.13474.79370.63308.13266.46236.70214.38197.01183.13
20,0001,744.17910.83633.06494.17410.83355.28315.60Q285.83262.69244.17
25,0002,180.211,138.54791.32617.71513.54444.10394.49357.29328.36305.21
30,000 2,616.251,366.25949.58741.25616.25532.92473.39428.75394.03366.25
35,0003,052.291,593.961,107.85864.79718.96621.74552.29500.21459.70427.29
40,0003,488.33 1,821.671,266.11988.33821.67710.56631.19571.67525.37488.33
45,0003,924.382,049.381,424.381,111.88924.38799.38710.09643.13591.04549.38
50,0004,360.422,277.081,582.641,235.421,027.08888.19788.99714.58656.71610.42
55,0004,796.462,504.791,740.901,358.961,129.79977.01867.89786.04722.38671.46
60,0005,232.502,732.501,899.171,482.50 1,232.501,065.83946.79857.50788.06732.50
65,0005,668.542,960.212,057.431,606.041,335.211,154.651,025.68928.96853.73793.54
70,0006,104.583,187.922,215.691,729.581,437.921,243.471,104.581,000.42919.40854.58
75,0006,540.633,415.632,373.961,853.131,540.631,332.291,183.481,071.88985.07915.63
80,0006,976.673,643.332,532.221,976.671,643.331,421.111,262.381,143.331,050.74976.67
85,0007,412.713,871.042,690.492,100.211,746.041,509.931,341.281,214.791,116.411,037.71
90,0007,848.754,098.752,848.752,223.751,848.751,598.751,420.181,286.251,182.081,098.75
95,0008,284.794,326.463,007.012,347.291,951.461,687.571,499.081,357.711,247.751,159.79
100,0008,720.834,554.173,165.282,470.832,054.171,776.391,577.981,429.171,313.431,220.83
105,0009,156.884,781.883,323.542,594.382,156.881,865.211,656.881,500.631,379.101,281.88
110,0009,592.925,009.583,481.812,717.922,259.581,954.031,735.771,572.081,444.771,342.92
115,00010,028.965,237.293,640.072,841.462,362.292,042.851,814.671,643.541,510.441,403.96
120,00010,465.005,465.003,798.332,965.002,465.002,131.671,893.571,715.001,576.111,465.00
125,00010,901.045,692.713,956.603,088.542,567.712,220.491,972.471,786.461,641.781,526.04
130,00011,337.085,920.424,114.863,212.082,670.422,309.312,051.371,857.921,707.451,587.08
135,00011,773.136,148.134,273.133,335.632,773.132,398.132,130.271,929.381,773.131,648.13
140,00012,209.176,375.834,431.393,459.172,875.832,486.942,209.172,000.831,838.801,709.17
145,00012,645.216,603.544,589.65 3,582.712,978.542,575.762,288.072,072.291,904.47 1,770.21
150,00013,081.256,831.254,747.923,706.253,081.252,664.582,366.962,143.751,970.141,831.25

* Sebarang perubahan pembayaran balik pembiayaan tertakluk kepada terma & syarat.

JADUAL PEMBAYARAN PEMBIAYAAN PERIBADI-i PERSIAPAN PERSARAAN
untuk KAKITANGAN KERAJAAN & ANGGOTA TENTERA

KADAR KEUNTUNGAN: BR + 4:65% (KADAR TERAPUNG)

JUMLAH PEMBIAYAAN (RM) 1 TAHUN2 TAHUN3 TAHUN4 TAHUN5 TAHUN6 TAHUN7 TAHUN8 TAHUN9 TAHUN10 TAHUN
10,000 870452313244203175156141130121
15,0001,305678470366304263233212195182
20,0001,739904626488405350311282260242
25,0002,1741,130783610506438389353325303
30,000 2,6091,356940732608525467423390363
35,0003,0441,5821,096854709613545494455424
40,0003,4791,8081,253976810701623565520484
45,0003,9142,0341,4091,098912788700635585545
50,0004,3482,2601,5661,2201,013876778706650606
55,0004,7832,4861,7221,3421,114963856776715666
60,0005,2182,7131,8791,4641,2151,051934847780727
65,0005,6532,9392,0361,5861,3171,1381,012918845787
70,0006,0883,1652,1921,7081,4181,2261,090988910848
75,0006,5233,3912,3491,8301,5191,3141,1671,059975908
80,0006,9583,6172,5051,9521,6211,4011,2451,1291,040969
85,0007,3923,8432,6622,0741,7221,4891,3231,2001,1051,029
90,0007,8274,0692,8192,1951,8231,5761,4011,2701,1701,090
95,0008,2624,2952,9752,3171,9241,6641,4791,3411,2351,151
100,0008,6974,5213,1322,4392,0261,7511,5571,4121,3001,211
105,0009,1324,7473,2882,5612,1271,8391,6341,4821,3651,272
110,0009,5674,9733,4452,6832,2281,9271,7121,5531,4301,332
115,00010,0025,1993,6022,8052,3302,0141,7901,6231,4951,393
120,00010,4365,4253,7582,9272,4312,1021,8681,6941,5601,453
125,00010,8715,6513,9153,0492,5322,1891,9461,7651,6251,514
130,00011,3065,8774,0713,1712,6332,2772,0241,8351,6901,575
135,00011,7416,1034,2283,2932,7352,3642,1011,9061,7551,635
140,00012,1766,3294,3853,4152,8362,4522,1791,9761,8201,696
145,00012,6116,5554,5413,5372,9372,5392,2572,0471,8851,756
150,00013,0456,7814,6983,6593,0392,6272,3352,1171,9501,817

* Sebarang perubahan pembayaran balik pembiayaan tertakluk kepada terma & syarat.

Product Disclosure Sheet

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TermDescription
PurposeFor Debt Settlement purpose
Who Can Apply Government staff age 45 years and above under Pension scheme
Tenure Minimum: 3 years
Maximum: 10 years
Financing Amount Minimum: RM 5,000.00
Maximum: RM 150,000.00
Profit Rate Competitive Flat Rate
Mode of Payment
  • Salary with BMMB
  • Salary Deduction At Source
Wasiat/Will - writing Highly encouraged
TakafulOptional
Documents Required
  • Copy of NRIC or ID (front and back)
  • Latest 3 months salary slip
  • Employment Confirmation Letter
  • Latest Settlement Statement
Applicants Eligibility
  • Repayment Capacity
    - Determine by NDI & DSR
  • Employment
    - Under Tetap & Berpencen Scheme

JADUAL PEMBAYARAN PEMBIAYAAN PERIBADI-i PENGURUSAN KEWANGAN CUEPACS
untuk KAKITANGAN KERAJAAN

KADAR KEUNTUNGAN: BR + 4:95% (TETAP)

JUMLAH PEMBIAYAAN (RM) 1 TAHUN2 TAHUN3 TAHUN4 TAHUN5 TAHUN6 TAHUN7 TAHUN8 TAHUN9 TAHUN10 TAHUN
10,000874.58457.92319.03249.58207.92180.14160.30145.42133.84124.58
15,0001,311.88686.88478.54374.38311.88270.21240.45218.13200.76186.88
20,0001,749.17915.83628.06499.17415.83360.28320.60290.83267.69249.17
25,0002,186.461,144.79797.57623.96519.79450.35400.74363.54334.61311.46
30,0002,623.751,373.75957.08748.75623.75540.42480.89436.25401.53373.75
35,0003,061.041,602.711,116.60873.54727.71630.49561.04508.96468.45436.04
40,0003,498.331,831.671,276.11998.33831.67720.56641.19581.67535.37498.33
45,0003,935.632,060.631,435.631,123.13935.63810.63721.34654.38602.29560.63
50,0004,372.922,289.581,595.141,247.921,039.58900.69801.49727.08669.21622.92
55,0004,810.212,518.541,754.651,372.711,143.54990.76881.64799.79736.13685.21
60,0005,247.502,747.501,914.171,497.501,247.501,080.83961.79872.50803.06747.50
65,0005,684.792,976.462,073.681,622.291,351.461,170.901,041.93945.21869.98809.79
70,0006,122.083,205.422,233.191,747.081,455.421,260.971,122.081,017.92936.90872.08
75,0006,559.383,434.382,392.711,871.881,559.381,351.041,202.231,090.631,003.82934.38
80,0006,996.673,663.332,552.221,996.671,663.331,441.111,282.381,163.331,070.74996.67
85,0007,433.963,892.292,711.742,121.461,767.291,531.181,362.531,236.041,137.661,058.96
90,0007,871.254,121.252,871.252,246.251,871.251,621.251,442.681,308.751,204.581,121.25
95,0008,308.544,350.213,030.762,371.041,975.211,711.321,522.831,381.461,271.501,183.54
100,0008,745.834,579.173,190.282,495.832,079.171,801.391,602.981,454.171,338.431,245.83
105,000 9,183.134,808.133,349.792,620.632,183.131,891.461,683.131,526.881,405.351,308.13
110,0009,620.425,037.083,509.312,745.422,287.081,981.531,763.271,599.581,472.271,370.42
115,00010,057.715,266.043,668.822,870.212,391.042,071.601,843.421,672.291,539.191,432.71
120,00010,495.005,495.003,828.332,995.002,495.002,161.671,923.571,745.001,606.111,495.00
125,00010,932.295,723.963,987.853,119.792,598.962,251.742,003.721,817.711,673.031,557.29
130,00011,369.585,952.924,147.363,244.582,702.922,341.812,083.871,890.421,739.951,619.58
135,00011,806.886,181.884,306.883,369.382,806.882,431.88 2,164.021,963.131,806.881,681.88
140,00012,244.176,410.834,466.393,494.172,910.832,521.942,244.172,035.831,873.801,744.17
145,00012,681.466,639.794,625.903,618.963,014.792,612.012,324.322,108.541,940.721,806.46
150,00013,118.756,868.754,785.423,743.753,118.752,702.082,404.462,181.252,007.641,868.75

* Sebarang perubahan pembayaran balik pembiayaan tertakluk kepada terma & syarat.

Product Disclosure Sheet

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Term Description
Purpose Purchase Modenas Motorcycle
Who Can Apply All Federal / State Government / GLC & Selected Organization staff
Tenure Minimum: 3 years
Maximum: 5 years
Financing Amount Minimum: RM 3,000.00
Maximum: RM 10,000.00
Profit Rate Competitive Flat Rate
Mode of Payment
  • Salary with BMMB
  • Salary Deduction At Source
Wasiat/Will - writing Highly encouraged
TakafulOptional
Documents Required
  • Copy of NRIC or ID (front and back)
  • Latest 1 month salary slip
  • Modenas Price Quotation
Applicants Eligibility
  • Repayment Capacity
    - Determine by NDI & DSR
  • Employment
    - Government:- Confirmed Staff                                                                         
    - Non Government:- Permanent and Confirmed staff with minimum 3 years in service

JADUAL PEMBAYARAN PEMBIAYAAN PERIBADI-i PENGURUSAN KEWANGAN (MODENAS)
untuk PAKEJ KAKITANGAN KORPORAT

KADAR KEUNTUNGAN: 5.50% (TETAP)

JUMLAH PEMBIAYAAN (RM) 1 TAHUN2 TAHUN3 TAHUN4 TAHUN5 TAHUN6 TAHUN7 TAHUN8 TAHUN9 TAHUN10 TAHUN
1,00087.9246.2532.3625.4221.2518.4716.4915.0013.8412.92
2,000175.8392.5064.7250.8342.5036.9432.9830.0027.6925.83
3,000263.75138.7597.0876.2563.7555.4249.4645.0041.5338.75
4,000351.67185.00129.44101.6785.0073.8965.9560.0055.3751.67
5,000439.58231.25161.81127.08106.2592.3682.4475.0069.2164.58
6,000527.50277.50194.17152.50 127.50110.8398.9390.0083.0677.50
7,000615.42323.75226.53177.92148.75129.31115.42105.0096.9090.42
8,000703.33370.00258.89203.33170.00147.78131.90120.00110.74103.33
9,000791.25416.25291.25228.75191.25166.25148.39135.00124.58116.25
10,000879.17462.50323.61254.17212.50184.72164.88150.00138.43129.17

* Sebarang perubahan pembayaran balik pembiayaan tertakluk kepada terma & syarat.

Product Disclosure Sheet

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TermDescription
PurposePerforming Umrah & Ziarah
Who Can Apply All Federal / State Government / GLC & Selected Organization staff
Tenure Minimum: 2 years
Maximum: 3 years
Financing AmountMinimum: RM 5,000.00
Maximum: RM 50,000.00
Profit Rate Competitive Flat Rate
Mode of Payment
  • Salary with BMMB
  • Salary Deduction At Source
Wasiat/Will - writing Highly encouraged
TakafulOptional
Documents Required
  • Copy of NRIC or ID (front and back)
  • Latest 1 month salary slip
  • Price Quotation from Panel Travel Agency
Applicants Eligibility
  • Repayment Capacity
    - Determine by NDI & DSR
  • Employment
    - Government:- Confirmed Staff                                                                         
    - Non Government:- Permanent and Confirmed staff with minimum 3 years in service

JADUAL PEMBAYARAN PEMBIAYAAN PERIBADI-i PENGURUSAN KEWANGAN (UMRAH ZIARAH)
untuk KAKITANGAN KERAJAAN & PAKEJ KAKITANGAN KORPORAT

KADAR KEUNTUNGAN: With Ju’alah 4.98% (KADAR TETAP)

JUMLAH PEMBIAYAAN (RM) 1 TAHUN2 TAHUN3 TAHUN
5,000437.42229.08159.64
6,000524.90274.90191.57
7,000612.38320.72223.49
8,000699.87366.53255.42
9,000787.35412.35287.35
10,000874.83458.17319.28
11,000962.32503.98351.21
12,0001,049.80549.80383.13
13,0001,137.28595.62415.06
14,0001,224.77641.43446.99
15,0001,312.25687.25478.92
16,0001,399.73733.07510.84
17,000 1,487.22778.88542.77
18,0001,574.70824.70574.70
19,0001,662.18870.52606.63
20,0001,749.67916.33638.56
21,0001,837.15962.15670.48
22,0001,924.631,007.97702.41
23,0002,012.121,053.78734.34
24,0002,099.601,099.60766.27
25,0002,187.081,145.42798.19
26,0002,274.571,191.23 830.12
27,0002,362.051,237.05862.05
28,0002,449.531,282.87893.98
29,0002,537.021,328.68925.91
30,0002,624.501,374.50957.83
31,0002,711.981,420.32989.76
32,0002,799.471,466.131,021.69
33,0002,886.951,511.951,053.62
34,0002,974.431,557.771,085.54
35,0003,061.921,603.581,117.47
36,0003,149.401,649.401,149.40
37,0003,236.881,695.221,181.33
38,000 3,324.371,741.031,213.26
39,0003,411.851,786.851,245.18
40,0003,499.331,832.671,277.11
41,0003,586.821,878.481,309.04
42,0003,674.301,924.301,340.97
43,0003,761.781,970.121,372.89
44,0003,849.272,015.931,404.82
45,0003,936.752,061.751,436.75
46,0004,024.232,107.571,468.68
47,0004,111.722,153.381,500.61
48,0004,199.202,199.201,532.53
49,0004,286.682,245.021,564.46
50,0004,374.172,290.831,596.39

* Sebarang perubahan pembayaran balik pembiayaan tertakluk kepada terma & syarat.

JADUAL PEMBAYARAN PEMBIAYAAN PERIBADI-i PENGURUSAN KEWANGAN (UMRAH ZIARAH)
untuk PAKEJ KAKITANGAN KORPORAT

KADAR KEUNTUNGAN: Without Ju’alah 4.85% (KADAR TETAP)

JUMLAH PEMBIAYAAN (RM) 1 TAHUN2 TAHUN3 TAHUN
5,000436.88228.54 159.10
6,000524.25274.25190.92
7,000611.63319.96222.74
8,000699.00365.67254.56
9,000786.38411.38286.38
10,000873.75457.08318.19
11,000961.13502.79350.01
12,0001,048.50548.50381.83
13,0001,135.88594.21413.65
14,0001,223.25639.92445.47
15,0001,310.63685.63477.29
16,0001,398.00731.33509.11
17,0001,485.38777.04540.93
18,0001,572.75822.75572.75
19,0001,660.13868.46604.57
20,0001,747.50914.17636.39
21,0001,834.88959.88668.21
22,0001,922.251,005.58700.03
23,0002,009.631,051.29731.85
24,0002,097.001,097.00763.67
25,0002,184.381,142.71795.49
26,0002,271.751,188.42827.31
27,0002,359.131,234.13859.13
28,0002,446.501,279.83890.94
29,0002,533.881,325.54922.76
30,0002,621.251,371.25954.58
31,0002,708.631,416.96986.40
32,0002,796.001,462.671,018.22
33,0002,883.381,508.381,050.04
34,0002,970.751,554.081,081.86
35,0003,058.131,599.791,113.68
36,0003,145.501,645.501,145.50
37,0003,232.881,691.211,177.32
38,0003,320.251,736.921,209.14
39,0003,407.631,782.631,240.96
40,0003,495.001,828.331,272.78
41,0003,582.381,874.041,304.60
42,0003,669.751,919.751,336.42
43,0003,757.131,965.461,368.24
44,0003,844.502,011.171,400.06
45,0003,931.882,056.881,431.88
46,0004,019.252,102.581,463.69
47,0004,106.632,148.291,495.51
48,0004,194.002,194.001,527.33
49,0004,281.382,239.711,559.15
50,0004,368.752,285.421,590.97

* Sebarang perubahan pembayaran balik pembiayaan tertakluk kepada terma & syarat.

Product Disclosure Sheet

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TermDescription
PurposeParents to finance their children’s tertiary level education at DRB-HICOM University of Automotive Malaysia (DHU). DHU was formerly known as International College of Automotive (ICAM).
Who Can Apply All Federal / State Government / GLC & Selected Organization staff
Tenure Minimum: 5 years
Maximum: 10 years
Financing Amount Minimum: RM 5,000.00
Maximum: RM 50,000.00
Profit Rate Competitive Flat & Floating rate
Mode of Payment
  • Salary with BMMB
  • Salary Deduction At Source
Wasiat/Will - writing Highly encouraged
TakafulOptional
Documents Required
  • Copy of NRIC or ID (front and back)
  • Latest 3 months original slip
  • Employment Confirmation Letter
  • University / College Offer Letter
Applicants Eligibility
  • Repayment Capacity
    - Determine by NDI & DSR
  • Employment
    - Government:- Confirmed Staff                                                                         
    - Non Government:- Permanent and Confirmed staff with minimum 3 years in service

Product Disclosure Sheet

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TermDescription
PurposePurchase membership of Glenmarie Golf & Country Club
Who Can Apply All Federal / State Government / GLC & Selected Organization staff
Tenure Minimum: 3 years
Maximum: 10 years
Financing Amount Minimum: RM 5,000.00
Maximum: RM 100,000.00
Profit Rate Competitive Flat & Floating Rate.
Mode of Payment
  • Salary with BMMB
  • Salary Deduction At Source
Wasiat/Will - writing Highly encouraged
TakafulOptional
Documents Required
  • Copy of NRIC or ID (front and back)
  • Latest 3 months original slip
  • Employment Confirmation Letter
  • Membership Complete Form
Applicants Eligibility
  • Repayment Capacity
    - Determine by NDI & DSR
  • Employment
    - Government:- Confirmed Staff                                                                         
    - Non Government:- Permanent and Confirmed staff with minimum 3 years in service

Product Disclosure Sheet

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TermDescription
PurposeCash for personal use
Who Can Apply
  • DRB Hicom Managerial Level
  • Staff of Selected Non Government Organization
Tenure Minimum: 2 years
Maximum: 7 years
Financing Amount
  • DRB Hicom Managerial Level
    - Minimum: RM10,000.00
    - Maximum: RM150,000.00
  • Staff of Selected Organization
    - Minimum: RM7,000.00
    - Maximum: RM100,000.00
Profit Rate Competitive Flat Rate
Mode of Payment
  • Salary with BMMB
  • Salary Deduction At Source
Wasiat/Will - writing Highly encourage
TakafulOptional
Documents Required
  • Copy of NRIC or ID (front and back)
  • Latest 1 month salary slip
  • Employment Confirmation Letter (applicable for Staff of Selected organization)
  • Latest Utility Bill (applicable for Staff of Selected organization)
Applicants Eligibility
  • Repayment Capacity
    - Determine by NDI & DSR
  • Employment
    - Non Government:- Permanent and Confirmed staff with minimum 3 years in service (applicable for staff of selected organization)
    - Min Gross Income:- RM 2,000.00 (applicable for staff of selected organization)

Product Disclosure Sheet

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TermDescription
ConceptTawarruq
Features
  • Minimum Financing : 2 years
  • Maximum Financing : 10 Years
  • Financing Up to RM250,000*
  • Age up to 70 years old*
  • No Guarantor Required
  • No Processing Fee
  • No Hidden Charges
  • Debt Consolidations
*subject to terms and conditions
Selling priceFixed and Known Upfront
Takaful ProtectionOptional
Choices Mode of PaymentSalary Deduction / Salary Transfer / Standing Instruction
Wasiat/Will WritingHighly encouraged
Structure of ProductMuamalat Personal Financing-i (Tawarruq) is a financing facility that is designed to provide cash financing to the customers for personal consumption/ use which does not contravene with the Shariah principles.
Generally, this product is based on Tawarruq as its underlying Shariah concept for provision of financing. The financing structure under the Tawarruq arrangement involves the combination of Wa’d Mulzim, Murabahah, Wakalah and Bai’ Wadhi’ah contracts.
Shariah Concepts
  • Tawarruq consists of two sale and purchase contracts where the first involves the sale of an asset by a seller to a purchaser on a deferred basis. Subsequently, the purchaser of the first sale will sell the same asset to a third party on a cash basis.
  • Murabahah refers to a sale and purchase of an asset where the acquisition cost and the mark-up are disclosed to the purchaser.
  • Wakalah means a contract in which a party (muwakkil) authorises another party as his agents (wakil) to perform a particular task, in matters that may be delegated, either voluntarily or with imposition of fee.
  • Wa’d refers to an expression of commitment given by one party to another to perform certain action(s) in the future.
  • Bai’ Wadhi’ah is a sale contract whereby the asset / commodity is sold at lower price than the cost incurred by the Customer.
TermDescription
PurposeFor Personal Use – Cash Consumption, debt consolidation, education, medical etc.
Eligibility
  • Individual with a minimum monthly income of RM 10,000 or annual income of RM120,000
  • Age 18 and above.
  • Malaysian citizen
  • Financing up 60 years old. (for Medical Practitioners up to 70 years old).
  • Selected employers from the following sectors:-
    • Oil and Gas
    • Financial Service Providers (Banking, Insurance and Takaful)
    • Healthcare
Mode of Payment
  • Salary deduction at source
  • Salary Transfer to Bank Muamalat
  • Standing Instruction.
Required DocumentsSalary Earner
  • MyKad
  • Latest 3 months payslips.
  • Latest 3 months Bank statement showing salary crediting
  • Employment Confirmation Letter (ECL)
  • Any other income supporting document (EA or EPF)
  • Undertaking letter to transfer salary or salary deduction or
  • Clause to transfer or salary deduction in Employment Confirmation Letter (ECL).
Self Employed
  • MyKad
  • Business registration.
  • Last 6 months or 12 months current account statement and;
  • Latest financial statement or;
  • Income tax declaration.
Professional Certificate
  • Professional Certification / Affiliations / Qualifications (under Professional Program)
Financing Amount
  • Minimum RM10,000
  • Maximum RM 250,000
Financing Tenure
  • Minimum 2 years - Maximum 10 years
  • Rate based on tenure applied
      I. 2 - 4 years
      II. 5 – 10 years
Floating Rate
Salary Transfer or Salary Deduction
Tenure
Salary Transfer/Deduction
Without Takaful
2-4 years
(BR+2.18%)
@5.49% p.a
(BR+3.18%)
@6.49% p.a
5-10 years
(BR+2.24%)
@5.55% p.a
(BR+3.24%)
@6.55% p.a
*additional 1.00% on rates for financing without takaful
Floating Rate
Standing Instruction
 
Tenure
 
Standing Instruction
 
Without Takaful
 
2-4 years
 
(BR+3.18%)
@6.49% p.a
 
(BR+4.18%)
@7.49% p.a
 
5-10 years
 
(BR+3.44%)
@6.75% p.a
 
(BR+4.44%)
@7.75% p.a
*additional 1.00% on rates for financing without takaful
Fixed Rate
Salary Transfer or Salary Deduction
 
Tenure
 
Salary Transfer/Deduction
 
Without Takaful
 
2-4 years
 
3.00%
 
4.00%
 
5-10 years
 
3.69%
 
4.69%
*additional 1.00% on rates for financing without takaful
Fixed Rate
Standing Instruction
 
Tenure
 
Salary Transfer/Deduction
 
Without Takaful
 
2-4 years
 
4.20%
 
5.20%
 
5-10 years
 
4.50%
 
5.50%
*additional 1.00% on rates for financing without takaful
TermDescription
PurposeFor Personal Use - Cash Consumption, debt consolidation, education, medical etc
Eligibility
  • Age 18 and above
  • Financing up to 60 years old or up to retirement age (whichever is earlier)
  • Malaysian citizen

Government Employees

  • Federal and State Governments
  • Confirmed position or is a permanent staff
  • Minimum Income (salary + fixed allowance) of RM3,000 and above
Newly Employed Civil Servant (NECS)
  • Minimum Income of RM2,000
  • Employment less than 1 year
Contract Government Servant
  • Minimum Income of RM 2,000
  • More than 1 year working experience
  • Grade 41 and above except Nurse U29
Employers under Empanelment Program
  • Minimum Income (salary + fixed allowance) of RM5,000 and above
  • Confirmed position or is permanent staff
  • Minimum 3 years of service at Panel Company
  • Employment on contractual basis can be considered for managerial level
  • Staff employed under Employer Empanelment program
Mode of Payment
  • Salary deduction at source
  • Salary Transfer to Bank Muamalat
  • Standing Instruction.
Required Documents
  • Mykad
  • Latest 3 months payslips
  • Latest 3 months Bank statement showing salary crediting
  • Employment Confirmation Letter (ECL) or HRMIS printed at branch
         (only applicable for government servant)
  • Any other income supporting document (if required - EA, EPF)
  • Undertaking letter to transfer salary or salary deduction or
  • Clause to transfer or salary deduction in Employment Confirmation Letter (ECL)
Financing Amount
  • Minimum RM10,000
  • Maximum RM200,000
Financing Tenure
  • Minimum 2 years - Maximum 10 years
  • Rate based on tenure applied
      I. 2 - 4 years
      II. 5 – 10 years
Floating Rate
Salary Transfer or Salary Deduction
Tenure
Salary Transfer/Deduction
Without Takaful
2-4 years
(BR+2.34%)
@5.65% p.a
(BR+3.34%)
@6.65% p.a
5-10 years
(BR+2.24%)
@5.55% p.a
(BR+3.24%)
@6.55% p.a
*additional 1.00% on rates for financing without takaful
Floating Rate
Standing Instruction
 
Tenure
 
Standing Instruction
 
Without Takaful
 
2-4 years
 
(BR+3.99%)
@7.30% p.a
 
(BR+4.99%)
@8.30% p.a
 
5-10 years
 
(BR+3.99%)
@7.30% p.a
 
(BR+4.99%)
@8.30% p.a
*additional 1.00% on rates for financing without takaful
Fixed Rate
Salary Transfer or Salary Deduction
 
Tenure
 
Salary Transfer/Deduction
 
Without Takaful
 
2-4 years
 
3.00%
 
4.00%
 
5-10 years
 
3.69%
 
4.69%
*additional 1.00% on rates for financing without takaful
Fixed Rate
Standing Instruction
 
Tenure
 
Salary Transfer/Deduction
 
Without Takaful
 
2-4 years
 
4.70%
 
5.70%
 
5-10 years
 
4.99%
 
5.99%
*additional 1.00% on rates for financing without takaful
TermDescription
PurposeFor Personal Use - Cash Consumption, debt consolidation, education, medical etc
Eligibility
  • Age 18 and above
  • Malaysian citizen
  • Must be a registered member of professional body of the said profession or equivalent
         related qualification and accreditation
  • Minimum income of RM5,000 and above
  • Confirmed position or is a permanent staff
  • Employment on contractual basis with minimum 5 years of working experience in a
         similarly related field/sector
  • Financing up 60 years old. (for Medical Practitioners up to 70 years old)
  • Applicable to
  • Professional 1
    Professional 2

    1) Medical Practitioners (Doctors & Dentists)
    2) Accountants
    3) Lectures
    4) Pilots
    5) Engineers
    6) Architects

    7) Technologist & Technicians
    8) Geologist
    9) Safety & Health Officers
    10) Pharmacists
    11) Veterinarians
    12) Optometrists & Opticians
    13) Quantity Surveyors
    14) Actuaries
    15) PHD Holder


  • Selected employers from the following sectors:-
  • 1) Telekom Malaysia Berhad (TM)
    2) Maxis Berhad
    3) Celcom Axiata Berhad
    4) Digi.Com Berhad
  • Professional firms/Self-employed:
    - At least 5 years of establishment (Kindly refer to the date registration or incorporation)
    - Medical Practitioners (i.e. clinics) at least 1 year of establishment
    - Registered with the relevant professional bodies
    - Having established positive banking relationship with the Bank and/or other financial
        institution
Mode of Payment
  • Salary deduction at source
  • Salary Transfer/Company - Business account transfer/open to Bank Muamalat
  • Standing Instruction
Required Documents For Government Servants
  • Mykad
  • Latest 3 months payslips
  • Latest 3 months Bank statement showing salary crediting
  • Employment Confirmation Letter (ECL)
  • Any other income supporting document (if required - EA, EPF)
  • Undertaking letter to transfer salary or salary deduction or
  • Clause to transfer or salary deduction in Employment Confirmation Letter (ECL)
Self Employed
  • MyKad
  • Business registration
  • Latest financial statement or; Income tax return. and
  • Latest 6 months current account statement
Professional Certificate
  • Professional Certification / Affiliations / Qualifications (under Professional Program)

Financing Amount
  • Minimum RM10,000
  • Maximum RM200,000
Financing Tenure
  • Minimum 2 years - Maximum 10 years
  • Rate based on tenure applied
      I. 2 - 4 years
      II. 5 – 10 years
Floating Rate
Salary Transfer or Salary Deduction
Tenure
Salary Transfer/Deduction
Without Takaful
2-4 years
(BR+2.29%)
@5.60% p.a
(BR+3.29%)
@6.60% p.a
5-10 years
(BR+2.24%)
@5.55% p.a
(BR+3.24%)
@6.55% p.a
*additional 1.00% on rates for financing without takaful
Floating Rate
Standing Instruction
Tenure
Standing Instruction
Without Takaful
2-4 years
(BR+3.29%)
@6.60% p.a
(BR+4.29%)
@7.60% p.a
5-10 years
(BR+3.49%)
@6.80% p.a
(BR+4.49%)
@7.80% p.a
*additional 1.00% on rates for financing without takaful
Fixed Rate
Salary Transfer or Salary Deduction
 
Tenure
 
Salary Transfer/Deduction
 
Without Takaful
 
2-4 years
 
3.00%
 
4.00%
 
5-10 years
 
3.69%
 
4.69%
*additional 1.00% on rates for financing without takaful
Fixed Rate
Standing Instruction
Tenure
Salary Transfer/Deduction
Without Takaful
2-4 years
4.60%
5.60%
5-10 years
4.90%
5.90%
*additional 1.00% on rates for financing without takaful



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