Products / Items	Investment and Refinancing (Civilian - Selected Organization)
Purpose	Setlement of Debt and Investment
Who Can Apply	Selected organizations staff
Tenure	Minimum: 3 years Maximum: 10 years
Financing Amount	Minimum: RM 5,000.00 Maximum: RM 150,000.00 (Floating Rate), RM 100,000.00 (Flat Rate)
Profit Rate	Flat: Without Ju'alah: 5.5% p.a, With Ju'alah: 5.7% p.a Floating: BFR+1.8% (capping rate 11%)
Mode of Payment	a) Auto Debit net salary via BMMB Current/Saving Account or b) Salary deduction At Source by employer
Wasiat/Will - Writing	Compulsory
Takaful	Compulsory
Guarantor	Not available
Documents Required	• Copy of NRIC (front and back) • Latest 1 month Salary Slip (Flat Rate) • Latest 3 months original Salary Slip (Floating Rate) • Employment Confirmation Letter • Settlement Statement • Investment Statement (if applicable)
Applicant's Eligibility	• Employment: PERMANENT and CONFIRMED staff with minimum 3 years service • Repayment Capacity: i) 1/3 or 3.33% of net salary

Note:
1) Customer's not a Bankruptcy during apply BMMB financing
2) Terms and conditions apply