Structured Personal Financing-i


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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
Choices Mode of PaymentSalary Deduction / Salary Transfer / Standing Instruction
Wasiat/Will WritingOptional (highly encourage)
TakafulOptional (highly encourage)
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 250,000.00
Profit RateCompetitive Flat & Floating Rate
Mode of PaymentPension with BMMB
Wasiat/Will - writingOptional (highly encourage)
Takaful Optional (highly encourage)
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
10,000879463324254213185165150138129
20,0001,758925647508425369330300277258
30,0002,6381,388971763638554495450415388
40,0003,5171,8501,2941,017850739660600554517
50,0004,3962,3131,6181,2711,063924824750692646
60,0005,2752,7751,9421,5251,2751,108989900831775
70,0006,1543,2382,2651,7791,4881,2931,1541,050969904
80,0007,0333,7002,5892,0331,7001,4781,3191,2001,1071,033
90,0007,9134,1632,9132,2881,9131,6631,4841,3501,2461,163
100,0008,7924,6253,2362,5422,1251,8471,6491,5001,3841,292
110,0009,6715,0883,5602,7962,3382,0321,8141,6501,5231,421
120,00010,5505,5503,8833,0502,5502,2171,9791,8001,6611,550
130,00011,4296,0134,2073,3042,7632,4012,1431,9501,8001,679
140,00012,3086,4754,5313,5582,9752,5862,3082,2101,9381,808
150,00013,1886,9384,8543,8133,1882,7712,4732,2502,0761,938
160,00014,0677,4005,1784,0673,4002,9562,6382,4002,2152,067
170,00014,9467,8635,5014,3213,6133,1402,8032,5502,3532,196
180,00015,8258,3255,8254,5753,8253,3252,9682,7002,4922,325
190,00016,7048,7886,1494,8294,0383,5103,1332,8502,6302,454
200,00017,5839,2506,4725,0834,2503,6943,2983,0002,7692,583
210,00018,4639,7136,7965,3384,4633,8793,4633,1502,9072,713
220,00019,34210,1757,1195,5924,6754,0643,6273,3003,0452,842
230,00020,22110,6387,443 5,8464,8884,2493,7923,4503,1842,971
240,00021,10011,1007,7676,1005,1004,4333,9573,6003,3223,100
250,00021,97911,5638,0906,3545,3134,6184,1223,7503,4613,229

* 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 868450311242200173153139128119
20,0001,735900622484401346307278255238
30,0002,6031,350933726601519460417383356
40,0003,4701,8001,244967802692614556511475
50,0004,3382,2501,5561,2091,002865767694638594
60,0005,2062,7001,8671,4511,2031,038921833766713
70,0006,0733,1502,1781,6931,4031,2111,074972894831
80,0006,9413,6002,4891,9351,6031,3841,2271,1111,021950
90,0007,8094,0502,8002,1771,8041,5571,3811,2501,1491,069
100,0008,6764,5003,1112,4182,0041,7291,5341,3891,2771,188
110,0009,5444,9503,4222,6602,2051,9021,6881,5281,4041,306
120,00010,4115,4003,7332,9022,4052,0751,8411,6671,5321,425
130,00011,2795,8514,0443,1442,6062,2481,9951,8061,6601,544
140,00012,1476,3014,3563,3862,8062,4212,1481,9441,7871,663
150,00013,0146,7514,6673,6283,0062,5942,3012,0831,9151,781
160,00013,8827,2014,9783,8693,2072,7672,4552,2222,0431,900
170,00014,7507,6515,2894,1113,4072,9402,6082,3612,1702,019
180,00015,6178,1015,6004,3533,6083,1132,7622,5002,2982,138
190,00016,4858,5515,9114,5953,8083,2862,9152,6392,4262,256
200,00017,3529,0016,2224,8374,0093,4593,0692,7782,5532,375
210,00018,2209,4516,5335,0794,2093,6323,2222,9172,6812,494
220,00019,0889,9016,8445,3204,4093,8053,3763,0562,8092,613
230,00019,95510,3517,1555,5624,6103,9783,5293,1942,9362,731
240,00020,82310,8017,4675,8044,8104,1513,6823,3333,0642,850
250,00021,69111,2517,7786,0465,0114,3243,8363,4723,1922,969

* 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 Optional (highly encourage)
Takaful Optional (highly encourage)
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
10,000868450311242200173153139128119
15,0001,301675467363301259230208191178
20,0001,735900622484401346307278255238
25,0002,1691,125778605501432384347319297
30,0002,6031,350933726601519460417383356
35,0003,0371,5751,089846701605537486447416
40,0003,4701,8001,244967802692614556511475
45,0003,9042,0251,4001,088902778690625574534
50,0004,3382,2501,5561,2091,002865767694638594
55,0004,7722,4751,7111,3301,102951844764702653
60,0005,2062,7001,8671,4511,2031,038921833766713
65,0005,6402,9252,0221,5721,3031,124997903830772
70,0006,0733,1502,1781,6931,4031,2111,074972894831
75,0006,5073,3752,3331,8141,5031,2971,1511,042957891
80,0006,9413,6002,4891,9351,6031,3841,2271,1111,021950
85,0007,3753,8252,6442,0561,7041,4701,3041,1811,0851,009
90,0007,8094,0502,8002,1771,8041,5571,3811,2501,1491,069
95,0008,2424,2752,9562,2971,9041,6431,4581,3191,2131,128
100,0008,6764,5003,1112,4182,0041,7291,5341,3891,2771,188
105,0009,1104,7253,2672,5392,1041,8161,6111,4581,3401,247
110,0009,5444,9503,4222,6602,2051,9021,6881,5281,4041,306
115,0009,9785,1753,5782,7812,3051,9891,7641,5971,4681,366
120,00010,4115,4003,7332,9022,4052,0751,8411,6671,5321,425
125,00010,8455,6263,8893,0232,5052,1621,9181,7361,5961,484
130,00011,2795,8514,0443,1442,6062,2481,9951,8061,6601,544
135,00011,7136,0764,2003,2652,7062,3352,0711,8751,7231,603
140,00012,1476,3014,3563,3862,8062,4212,1481,9441,7871,663
145,00012,5806,5264,5113,5072,9062,5082,2252,0141,8511,722
150,00013,0146,7514,6673,6283,0062,5942,3012,0831,9151,781

* 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
10,000868450312242201173154139128119
12,0001,042541374291241208185167154143
14,0001,215631436339281243215195179167
16,0001,389721499388321277246223205191
18,0001,563811561436362312277251231215
20,0001,736901623485402347308279256239
22,0001,910991685533442382339307282262
24,0002,0831,081748582482416369335308286
26,0002,2571,171810630522451400362333310
28,0002,4311,261842678563486431390359334
30,0002,6041,351935727603520462418385358
32,0002,7781,442997775643555493446410382
34,0002,9511,5321,059824683590523474436406
36,0003,1251,6221,122872723624554502461429
38,0003,2991,7121,184921763659585530487453
40,0003,4721,8021,246969804694616558513477
42,0003,6461,8921,3091,018844728646585538501
44,0003,8201,9821,3711,066884763677613564525
46,0003,9932,0721,4331,115924798708641590549
48,0004,1672,1621,4961,163964832739669615573
50,0004,3402,2521,5581,2121,005867770697641596
52,0004,5142,3431,6201,2601,045902800725667620
54,0004,6884,4331,6821,3081,085937831753692644
56,0004,8612,5231,7451,3571,125971862781718668
58,0005,0352,6131,8071,4051,1651,006893808743692
60,0005,2082,7031,8691,4541,2051,041924836769716
62,0005,3822,7931,9321,5021,2461,075954864795740
64,0005,5562,8831,9941,5511,2861,110985892820763
66,0005,7292,9732,0561,5991,3261,1451,016920846787
68,0005,9033,0632,1191,6481,3661,1791,047948872811
70,0006,0773,1532,1811,6961,4061,2141,077976897835
72,0006,2503,2442,2