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
10,000 879.17462.50323.61254.17212.50184.72164.88150.00138.43129.17
15,0001,318.75693.75485.42381.25318.75277.08247.32225.00207.64193.75
20,0001,758.33925.00 647.22508.33425.00369.44329.76300.00276.85258.33
25,0002,197.921,156.25809.03635.42531.25461.81412.20375.00346.06322.92
30,0002,637.501,387.50970.83762.50 637.50554.17494.64450.00415.28387.50
35,0003,077.081,618.751,132.64889.58743.75646.53577.08525.00484.49452.08
40,0003,516.671,850.001,294.441,016.67850.00738.89659.52600.00553.70516.67
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
65,0005,714.583,006.252,103.471,652.08 1,381.251,200.691,071.73975.00899.77839.58
70,0006,154.173,237.502,265.281,779.171,487.501,293.061,154.171,050.00868.98904.17
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
85,0007,472.923,931.252,750.692,160.421,806.251,570.141,401.49 1,275.00 1,176.621,097.92
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
120,00010,550.005,550.003,883.333,050.00 2,550.002,216.671,978.571,800.001,661.111,550.00
125,00010,989.585,781.254,045.143,177.082,656.252,309.032,061.011,875.001,730.321,614.58
130,00011,429.176,012.504,206.94 3,304.172,762.502,401.392,143.451,950.001,799.541,679.17
135,00011,868.756,243.754,368.753,431.252,868.752,493.752,225.892,025.001,868.751,743.75
140,00012,308.336,475.004,530.563,558.332,975.002,493.752,308.332,100.001,937.961,808.33
145,00012,747.926,706.254,692.363,685.423,081.253,081.252,390.772,175.002,007.181,872.92
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.

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 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
10,000873.87456.21317.35248.19206.90179.56160.18145.78134.69125.92
15,0001,310.80684.31476.02372.28310.36269.34240.27218.67202.03188.88
20,0001,747.73912.41634.69496.37413.81359.12320.36291.55269.38251.84
25,0002,184.661,140.51793.37620.47517.26448.90400.45364.44336.72314.80
30,0002,621.601,368.62952.04744.56620.71538.68480.54437.33404.06377.76
35,0003,058.531,596.721,110.71868.65724.17628.46560.63510.22471.41440.72
40,0003,495.461,824.821,269.38992.74827.62718.25640.72583.11538.75503.68
45,0003,932.402,052.921,428.061,116.84931.07808.03720.82656.00606.10566.64
50,0004,369.332,281.031,586.731,240.931,034.52897.81800.91728.88673.44629.60
55,0004,806.262,509.131,745.401,365.021,137.98987.59881.00801.77740.79692.56
60,0005,243.192,737.231,904.081,489.121,241.431,077.37961.09874.66808.13755.52
65,0005,680.132,965.332,062.751,613.211,344.881,167.151,041.18947.55875.47818.48
70,000 6,117.063,193.442,221.421,737.301,448.331,256.931,121.271,020.44942.82881.44
75,0006,553.993,421.542,380.101,861.401,551.791,346.711,201.361,093.331,010.16944.40
80,0006,990.933,649.642,538.771,985.491,655.241,436.491,281.451,166.211,077.511,007.35
85,0007,427.863,877.752,697.442,109.581,758.691,526.271,361.541,239.101,144.851,070.31
90,0007,864.794,105.852,856.122,233.681,862.141,616.051,441.631,311.991,212.191,133.27
95,0008,301.724,333.953,014.792,357.771,965.601,705.831,521.721,384.881,279.541,196.23
100,0008,738.664,562.053,173.462,481.862,069.051,795.611,601.811,457.771,346.881,259.19
105,0009,175.594,790.163,332.132,605.952,172.501,885.391,681.901,530.661,414.231,322.15
110,000 9,612.525,018.263,490.812,730.052,275.951,975.171,761.991,603.541,481.571,385.11
115,00010,049.465,246.363,649.482,854.142,379.402,064.961,842.081,676.431,548.911,448.07
120,00010,486.395,474.463,808.152,978.232,482.862,154.741,922.171,749.321,616.261,511.03
125,00010,923.325,702.573,966.833,102.332,586.312,244.522,002.261,822.211,683.601,573.99
130,00011,360.255,930.674,125.503,226.422,689.762,334.302,082.361,895.101,750.951,636.95
135,00077,797.196,158.774,284.173,350.512,793.212,424.082,162.451,967.991,818.291,699.91
140,00012,234.126,386.874,442.853,474.612,896.672,513.862,242.542,040.881,885.631,762.87
145,00012,671.056,614.984,601.523,598.703,000.122,603.642,322.632,133.761,952.981,825.83
150,00013,107.996,843.084,760.193,722.793,103.572,693.422,402.722,186.652,020.321,888.79

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

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

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

JUMLAH PEMBIAYAAN (RM) 1 TAHUN2 TAHUN3 TAHUN4 TAHUN5 TAHUN6 TAHUN7 TAHUN8 TAHUN9 TAHUN10 TAHUN
10,000873.40455.75316.88247.71206.42179.07159.68145.26134.16125.38
15,0001,310.10683.62475.32371.57309.63268.60239.51217.89201.24188.07
20,0001,746.80911.49633.76495.42412.84358.13319.35290.52268.32250.76
25,0002,183.511,139.37792.20619.28516.05447.67399.19363.15335.40313.45
30,0002,620.211,367.24950.64743.14619.26537.20479.03435.78402.48376.14Q
35,0003,056.911,595.111,109.09866.99722.47626.73558.86508.41469.56438.83
40,0003,493.611,822.991,267.53990.85825.68716.27638.70581.04536.64501.52
45,0003,930.312,050.861,425.971,114.71928.89805.80718.54653.67603.72564.21
50,0004,367.012,278.741,584.411,238.561,032.10895.33798.38726.30670.80626.90
55,0004,803.712,506.611,742.851,362.421,135.31984.87878.21798.93737.88689.59
60,0005,240.412,734.48 1,901.291,486.271,238.521,074.40958.05871.56804.96752.28
65,0005,677.112,962.362,059.731,610.131,341.731,163.931,037.89944.19872.04814.97
70,0006,113.823,190.232,218.171,733.991,444.941,253.471,117.731,016.82939.12877.66
75,0006,550.523,418.102,376.611,857.841,548.161,343.001,197.571,089.451,006.20940.35
80,0006,987.223,645.982,535.051,981.701,651.371,432.531,277.401,162.081,073.281,003.04
85,0007,423.923,873.852,693.492,105.561,754.581,522.071,357.241,234.711,140.361,065.73
90,0007,860.624,101.722,851.932,229.411,857.791,611.601,437.081,307.341,207.441,128.43
95,0008,297.324,329.603,010.372,353.271,961.001,701.131,516.921,379.971,274.521,191.12
100,0008,734.024,557.473,168.822,477.122,064.211,790.671,596.751,452.601,341.601,253.81
105,0009,170.724,785.343,327.262,600.982,167.421,880.201,676.591,525.231,408.681,316.50
110,0009,607.425,013.223,485.702,724.842,270.631,969.731,756.431,597.861,475.761,379.19
115,00010,044.135,241.093,644.142,848.692,373.842,059.271,836.271,670.491,542.841,441.88
120,00010,480.835,468.963,802.582,972.552,477.052,148.801,916.111,743.121,609.921,504.57
125,00010,917.535,696.843,961.023,096.402,580.262,238.331,995.941,815.751,677.001,567.26
130,00011,354.235,924.714,119.463,220.262,683.472,327.862,075.781,888.381,744.091,629.95
135,00011,790.936,152.594,277.903,344.122,786.682,417.402,155.621,961.011,811.171,692.64
140,00012,227.636,380.464,436.343,497.972,889.892,506.932,235.462,033.641,878.251,755.33
145,00012,664.336,608.334,594.783,591.832,993.102,596.462,315.292,106.271,945.331,818.02
150,00013,101.036,836.214,753.223,715.693,096.312,686.002,395.132,178.902,012.411,880.71

* 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
10,000 872.01 454.37 315.49246.29204.97177.59158.16143.72132.58123.77
15,0001,308.02681.56473.24369.44307.46266.38237.25215.57198.88185.66
20,0001,744.03908.75630.98492.59409.95355.17316.33287.43287.43247.54
25,0002,180.031,135.93788.73615.74512.43443.97395.41359.29331.46309.43
30,000 2,616.04 1,363.12 946.47 738.88614.92 532.76474.49431.15397.75371.32
35,0003,052.041,590.311,104.22862.03717.40621.55553.57503.01464.04433.20
40,0003,488.051,817.501,261.96985.18819.89710.35632.66574.86530.34495.09
45,0003,924.062,044.681,419.711,108.32922.38799.14711.74646.72596.63556.97
50,0004,360.062,271.871,577.451,231.471,024.86887.93790.82718.58662.92618.86
55,0004,796.072,499.061,735.201,354.621,127.35976.73869.90790.44729.21680.75
60,0005,232.082,726.241,892.941,477.771,229.841,065.52948.98862.30795.50742.63
65,0005,668.082,953.432,050.691,600.911,332.321,154.321,028.06934.15861.80804.52
70,0006,104.093,180.622,208.431,724.061,434.811,243.111,107.151,006.01928.09866.40
75,0006,540.093,407.802,366.181,847.211,537.291,331.901,186.231,077.87994.38928.29
80,0006,976.103,634.992,523.921,970.351,639.781,420.701,265.311,149.731,060.67990.17
85,0007,412.113,862.182,681.672,093.501,742.271,509.491,344.391,221.591,126.961,052.06
90,0007,848.114,089.362,839.41 2,216.651,844.751,598.281,423.471,293.441,193.261,113.95
95,0008,284.124,316.552,997.162,339.801,947.241,687.081,502.561,365.301,259.551,175.83
100,0008,720.134,543.743,154.902,462.94 2,049.731,775.871,581.641,437.161,325.841,237.72
105,0009,156.134,770.923,312.652,586.092,152.211,864.661,660.721,509.021,392.131,299.60
110,0009,592.144,998.113,470.392,709.242,254.701,953.461,739.801,580.881,458.421,361.49
115,00010,028.155,225.303,628.142,832.382,357.18 2,042.251,818.881,652.731,524.721,423.38
120,00010,464.155,452.493,785.882,955.532,459.672,131.041,897.971,724.591,591.011,485.26
125,00010,900.165,679.673,943.633,078.682,562.162,219.841,977.051,796.451,657.301,547.15
130,00011,336.165,906.864,101.373,201.822,664.642,308.632,056.131,868.311,723.591,609.03
135,00011,772.176,134.054,259.123,324.972,767.132,397.422,135.211,940.171,789.881,670.92
140,00012,208.186,361.234,416.863,448.122,869.622,486.222,214.292,012.021,856.181,732.81
145,00012,644.186,588.424,574.613,571.272,972.102,575.012,293.372,083.881,922.471,794.69
150,00013,080.196,815.614,732.353,694.413,074.592,663.802,372.462,155.741,988.761,856.58

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

Product Disclosure Sheet

Download here

 

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

Download here

 

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

Download here

 

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

Download here

 

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

Download here

 

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

Download here

 

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

Download here

 

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
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).
Mode of Payment
  • Allowable deduction at source; or as set by the employer / company, whichever is lower.
  • Salary Transfer to Bank Muamalat
  • Standing Instruction.
Required Documents Salary 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 deduct salary or
  • Clause to transfer or deduct salary in Employment Confirmation Letter (ECL).
Sole Proprietor
  • MyKad
  • Business registration.
  • Last 6 months or 12 months current account statement and;
  • Latest financial statement or;
  • Income tax declaration.
Professional Certificate
  • Medical Practitioners: Certificate of Registration with Malaysia Medical Council or Malaysian Dental Council – applicable for Doctors and Dentists.
  • Accountants/Engineers: MACPA, ACCA, CIMA, CFA, IR, etc...
  • Pilot/lectures : ATPL, MAPA, Master / Post Degree
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%)
@5.99% p.a
(BR+3.18%)
@6.99% p.a
5-10 years
(BR+2.44%)
@6.25% p.a
(BR+3.44%)
@7.25% 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%)
@6.99% p.a
 
(BR+4.18%)
@7.99% p.a
 
5-10 years
 
(BR+3.44%)
@7.25% p.a
 
(BR+4.44%)
@8.25% 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
 
3.90%
 
4.90%
 
5-10 years
 
4.20%
 
5.20%
*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
Eligibility
  • Age 18 and above
  • Financing up 60 years old
  • 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)
  • (Applicable for Teachers or Nurses)
  • Minimum Income (salary + fixed allowance) of RM2,000
Contract Government Servant
  • More than 5 years of working experience
  • Minimum income of RM5,000 including fixed allowance
Panel Employers
  • 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 a managerial level
  • Staff employed under package employer (the listing will be updated from time to time)
Mode of Payment
  • Allowable deduction at source; or as set by the employer / company, whichever is lower
  • 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 salart or deduct salary or
  • Clause to transfer or deduct salary 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%)
@6.15% p.a
(BR+2.34%)
@7.91% p.a
5-10 years
(BR+2.59%)
@6.40% p.a
(BR+3.59%)
@7.40% 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%)
@7.80% p.a
(BR+4.99%)
@8.80% p.a
5-10 years
(BR+3.99%)
@7.80% p.a
(BR+4.49%)
@8.80% 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
4.10%
5.10%
5-10 years
4.30%
5.30%
*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
TermDescrription
PurposeFor Personal Use - Cash Consumption
Eligibility
  • Age 18 and above
  • Malaysian citizen
  • Must be a registered member of professional body of the said profession
  • Financing up 60 years old. (for Medical Practitioners up to 70 years old)
  • Applicable to
      - Medical Practitioners (Doctors & Dentists)
      - Accountants
      - Lecturers
      - Pilots
      - Engineers & Architects
  • Professional firms;
      - 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
  • Allowable deduction at source; or as set by the employer / company, whichever is lower
  • Salary Transfer 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 deduct salary or
  • Clause to transfer or deduct salary in Employment Confirmation Letter (ECL)
Sole Proprietor
  • MyKad
  • Business registration
  • Latest financial statement or; Income tax return. and
  • Latest 6 months current account statement
Professional Certificate
  • Medical Practitioners: Certificate of Registration with Malaysia Medical Council or Malaysian Dental Council - applicable for Doctors or Dentist
  • Accountants/Engineers: MACPA,ACCA,CIMA,CFA,IR, etc...
    Pilots/Lecturers: ATPL, MARA, Master / Post Degree
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%)
@6.10% p.a
(BR+3.29%)
@7.10% p.a
5-10 years
(BR+2.49%)
@6.30% p.a
(BR+3.49%)
@7.30% 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%)
@7.10% p.a
(BR+4.29%)
@8.10% p.a
5-10 years
(BR+3.49%)
@7.30% p.a
(BR+4.49%)
@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
4.05%
5.05%
5-10 years
4.20%
5.20%
*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



Interested, please Click below button "APPLY NOW".

Apply Now




Download

Personal Financing Application Form

Download here

Other Financing To Choose From
DEPOSIT
Mortgage

Discover more

DEPOSIT
Personal Financing-i

Discover more

DEPOSIT
ASB Term Financing-i (Standard)

Discover more

DEPOSIT
Vehicle Financing

Discover more

Locate Our Branches

Find a Bank Muamalat branch
nearby you

Locate Our Branch