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 872455316247205178158144133124
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
10,000872455316247205178158144133124
15,0001,308682474370308267238216199186
20,0001,744909631493410356317288266248
25,0002,1811,137789616513445396360332310
30,0002,6171,364947740616533475432399372
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
135,00011,7756,1374,2623,3282,7702,4012,1391,9941,7931,675
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.

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
10,000873455316247206178159144133125
12,0001,047546376296247214191173160149
14,0001,222637443346288250222202187174
16,0001,396728506395329285254231213199
18,0001,571819569445370321286260240224
20,0001,745910632494411357318289267249
22,0001,9201,001696543453392350318293274
24,0002,0941,092759593494428381347320299
26,0002,2691,183822642535464413376347324
28,0002,4441,274885692576499445405373349
30,0002,6181,365949741617535477433400374
32,0002,7931,4561,012790658571509462427399
34,000 2,9671,5471,075840699606540491453424
36,0003,1421,6381,138889741642572520480448
38,0003,3161,7291,202939782678604549507473
40,0003,4911,8201,265988823713636578533498
42,0003,6651,9111,3281,037864749667607560523
44,0003,8402,0021,3911,087905785699636587548
46,0004,0142,0931,4541,136946820731665614573
48,0004,1892,1841,5181,186987856763694640598
50,000 4,3642,2751,5811,2351,028892795722667623
52,0004,5382,3661,6441,2841,070927826751694648
54,0004,7132,4571,7071,3341,111963858780720673
56,0004,8872,5481,7711,3831,152999890809747698
58,0005,0622,6391,8341,4331,1931,034922838774723
60,0005,2362,7301,8971,4821,2341,070954867800747
62,0005,4112,8211,9601,5311,2751,106985896827772
64,0005,5852,9122,0241,5811,3161,1411,017925854797
66,0005,7603,0032,0871,6301,3581,1771,049954880822
68,0005,9343,0942,1501,6801,3991,2131,081983907847
70,0006,1093,1852,2131,7291,4401,2481,1121,011934872
72,0006,2833,2762,2771,7781,4811,2841,1441,040960897
74,0006,4583,3672,3401,8281,5221,3201,1761,069987922
76,0006,6333,4582,4031,8771,5631,3551,2081,0981,014947
78,0006,8073,5492,4661,9271,6041,3911,2401,1271,040972
80,0006,9823,6402,5291,9761,6461,4271,2711,1561,067997

* 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
10,000872455316247205178158144133124
12,0001,047546379296246213190173159149
14,0001,221636442345287249222202186174
16,0001,396727505394328285253230213198
18,0001,570818568444369320285259239223
20,0001,744909631493410356317288266248
22,0001,9191,000695542451391349317292273
24,0002,0931,091758592493427380346319298
26,0002,2681,182821641534462412374345323
28,0002,4421,273884690575498444403372347
30,0002,6171,364947740616533475432399372
32,0002,7911,4551,010789657569507461425397
34,0002,9661,5461,073838698605539490452422
36,0003,1401,6371,137888739640570518478447
38,0003,3151,7271,200937780676602547505471
40,0003,4891,8181,263986821711634576531496
42,0003,6631,9091,3261,035862747665605558521
44,0003,8382,0001,3891,085903782697633585546
46,0004,0122,0911,4521,134944818729662611571
48,0004,1872,1821,5151,183985854760691638595
50,0004,3612,2731,5791,2331,026889792720664620
52,0004,5362,3641,6421,2821,067925824749691645
54,0004,7102,4551,7051,3311,108960855777717670
56,0004,8852,5461,7681,3811,149996887806744695
58,0005,0592,6371,8311,4301,1901,031919835771719
60,0005,2332,7281,8941,4791,2311,067950864797744
62,0005,4082,8191,9571,5281,2721,103982893824769
64,0005,5822,9092,0211,5781,3131,1381,014921850794
66,0005,7573,0002,0841,6271,3541,1741,046950877819
68,0005,9313,0912,1471,6761,3951,2091,077979903843
70,0006,1063,1822,2101,7261,4361,2451,1091,008930868
72,0006,2803,2732,2731,7751,4781,2801,1411,037956893
74,0006,4553,3642,3361,8241,5191,3161,1721,065983918
76,0006,6293,4552,3991,8741,5601,3521,2041,0941,010943
78,0006,8043,5462,4631,9231,6011,3871,2361,1231,036968
80,0006,9783,6372,5261,9721,6421,4231,2671,1521,063992

* 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 871453314245204176157142131122
15,0001,306680471368306265235214197184
20,0001,742906629490408353314285263245
25,0002,1771,133786613509441392356328306
30,000 2,6131,360943735611529471427394367
35,0003,0481,5861,100858713617549499459429
40,0003,4831,8131,257980815705628570525490
45,0003,9192,0401,4141,103917794706641591551
50,0004,3542,2661,5721,2261,019882785712656612
55,0004,7902,4931,7291,3481,121970863783722673
60,0005,2252,7191,8861,4711,2231,058941855788735
65,0005,6612,9462,0431,5931,3251,1461,020926853796
70,0006,0963,1732,2001,7161,4261,2351,098997919857
75,0006,5313,3992,3571,8381,5281,3231,1771,068985918
80,0006,9673,6262,5151,9611,6301,4111,2551,1391,050980
85,0007,4023,8522,6722,0831,7321,4991,3341,2111,1161,041
90,0007,8384,0792,8292,2061,8341,5871,4121,2821,1821,102
95,0008,2734,3062,9862,3291,9361,6751,4911,3531,2471,163
100,0008,7094,5323,1432,4512,0381,7641,5691,4241,3131,224
105,0009,1444,7593,3002,5742,1401,8521,6481,4961,3781,286
110,0009,5794,9863,4582,6962,2411,9401,7261,5671,4441,347
115,00010,0155,2123,6152,8192,3432,0281,8041,6381,5101,408
120,00010,4505,4393,7722,9412,4452,1161,8831,7091,5751,469
125,00010,8865,6653,9293,0642,5472,2041,9611,7801,6411,531
130,00011,3215,8924,0863,1872,6492,2932,0401,8521,7071,592
135,00011,7576,1194,2433,3092,7512,3812,1181,9231,7721,653
140,00012,1926,3454,4013,4322,8532,4692,1971,9941,8381,714
145,00012,6276,5724,5583,5542,9552,5572,2752,0651,9041,775
150,00013,0636,7984,7153,6773,0572,6452,3542,1371,9691,837

* 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

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

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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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Product Disclosure Sheet Personal Financing-i For Corporate (Tawarruq)

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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 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 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
  • Medical Practitioners: Certificate of Registration with Malaysia Medical Council or Malaysian
         Dental Council (Form 12 & 15)
  • Accountants: MACPA, ACCA, CIMA, CFA
  • Engineers: Ir, Degree in engineering discipline or any equivalent engineering accreditation
  • Pilots: ATPL, MAPA
  • Lecturers: 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%)
@5.74% p.a
(BR+3.18%)
@6.74% p.a
5-10 years
(BR+2.24%)
@5.80% p.a
(BR+3.24%)
@6.80% 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%)
@6.74% p.a
 
(BR+4.18%)
@7.74% p.a
 
5-10 years
 
(BR+3.44%)
@7.00% p.a
 
(BR+4.44%)
@8.00% 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, 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
Contract Government Servant
  • More than 5 years of working experience
  • Minimum income of RM5,000 including fixed allowance
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 package 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%)
@5.90% p.a
(BR+3.34%)
@6.90% p.a
5-10 years
(BR+2.24%)
@5.80% p.a
(BR+3.24%)
@6.80% 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%)
@7.55% p.a
 
(BR+4.99%)
@8.55% p.a
 
5-10 years
 
(BR+3.99%)
@7.55% p.a
 
(BR+4.99%)
@8.55% 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
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
      - Medical Practitioners (Doctors & Dentists)
      - Accountants
      - Lecturers
      - Pilots
      - Engineers & Architects
  • 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
  • Medical Practitioners: Certificate of Registration with Malaysia Medical Council or Malaysian
         Dental Council (Form 12 & 15)
  • Accountants: MACPA,ACCA,CIMA,CFA.
  • Engineers: IR, Degree in engineering discipline or any equivalent engineering accreditation
  • Pilots: ATPL, MAPA
  • Lecturers: 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%)
@5.85% p.a
(BR+3.29%)
@6.85% p.a
5-10 years
(BR+2.24%)
@5.80% p.a
(BR+3.24%)
@6.80% 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%)
@6.85% p.a
(BR+4.29%)
@7.85% p.a
5-10 years
(BR+3.49%)
@7.05% p.a
(BR+4.49%)
@8.05% 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



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