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

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

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

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

JUMLAH PEMBIYAAN (RM)1 TAHUN2 TAHUN3 TAHUN4 TAHUN5 TAHUN6 TAHUN7 TAHUN8 TAHUN9 TAHUN10 TAHUN
10,000 869451312243202174155140129120
20,0001,738902625486403348309280258240
30,0002,6061,354937729605522464420387360
40,0003,4751,8051,249972806697619561516480
50,0004,3442,2561,5611,2151,008871773701645600
60,0005,2132,7071,8741,4581,2101,045928841774720
70,0006,0813,1582,1861,7011,4111,2191,083981903840
80,0006,9503,6092,4981,9441,6131,3931,2371,1211,032961
90,0007,8194,0612,8102,1871,8151,5671,3921,2611,1611.081
100,0008,6884,5123,1232,4302,0161,7421,5471,4021,2891,201
110,0009,5574,9633,4352,6732,2181,9161,7011,5421,4181,321
120,00010,4255,4143,7472,9162,4192,0901,8561,6821,5471,441
130,00011,2945,8654,0593,1592,6212,2642,0111,8221,6761,561
140,00012,1636,3174,3723,4022,8232,4382,1651,9621,8051,681
150,00013,0326,7684,6843,6453,0242,6122,3202,1021,9341,801
160,00013,9007,2194,9963,8883,2262,7872,4752,2422,0631,921
170,00014,7697,6705,3084,1313,4272,9612,6292,3832,1922,041
180,00015,6388,1215,6214,3743,6293,1352,7842,5232,3212,161
190,00016,5078,5725,9334,6173,8313,3092,9392,6632,4502,281
200,00017,3769,0246,2454,8604,0323,4833,0932,8032,5792,401
210,00018,2449,4756,5575,1034,2343,6573,2482,9432,7082,521
220,00019,1139,9266,8705,3464,4363,8323,4033,0832,8372,641
230,00019,98210,3777,1825,5894,6374,0063,5573,2232,9662,761
240,00020,85110,8287,4945,8324,8394,1803,7123,3643,0952,882
250,00021,71911,2797,8066,0755,0404,3543,8673,5043,2243,002

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

Product Disclosure Sheet

Download here

 

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

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

KADAR KEUNTUNGAN: 5.50% (TETAP)

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

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

JADUAL PEMBAYARAN PEMBIAYAAN PERIBADI-i PENGURUSAN KEWANGAN
untuk KAKITANGAN KERAJAAN

KADAR KEUNTUNGAN: BR + 4.95% (KADAR TERAPUNG)

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

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

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

KADAR KEUNTUNGAN: BR + 5.05% (KADAR TERAPUNG)

JUMLAH PEMBIAYAAN (RM) 1 TAHUN2 TAHUN3 TAHUN4 TAHUN5 TAHUN6 TAHUN7 TAHUN8 TAHUN9 TAHUN10 TAHUN
10,000 869452313243202175155141129121
12,0001,043542375292243210186169155145
14,0001,217632438341283245217197181169
16,0001,391723500390323279248225207193
18,0001,565813563438364314279253233217
20,0001,738903625487404349310281259241
22,0001,912994688536445384341309285265
24,0002,0861,084751584485419372338311289
26,0002,2601,174813633525454403366337314
28,0002,4341,265876682566489434394362338
30,0002,6081,355938730606524465422388362
32,0002,7821,4451,001779647559497450414386
34,0002,9551,5361,063828687594528478440410
36,0003,1291,6261,126877728629559506466434
38,0003,3031,7161,188925768664590534492458
40,0003,4771,8071,251974808699621563518482
42,0003,6511,8971,3131,023849734652591544506
44,0003,8251,9871,3761,071889768683619570531
46,0003,9982,0781,4391,120930803714647596555
48,0004,1722,1681,5011,169970838745675621579
50,0004,3462,2581,5641,2171,010873776703647603
52,0004,5202,3491,6261,2661,051908807731673627
54,0004,6942,4391,6891,3151,091943838760699651
56,0004,8682,5291,7511,3631,132978869788725675
58,0005,0422,6191,8141,4121,1721,013900816751699
60,0005,2152,7101,8761,4611,2131,048931844777724
62,0005,3892,8001,9391,5101,2531,083962872803748
64,0005,5632,8902,0011,5581,2931,118993900829772
66,0005,7372,9812,0641,6071,3341,1531,024928854796
68,0005,9113,0712,1261,6561,3741,1881,055956880820
70,0006,0853,1612,1891,7041,4151,2231,086985906844
72,0006,2593,2522,2521,7531,4551,2571,1171,013932868
74,0006,4323,3422,3141,8021,4951,2921,1481,041958892
76,0006,6063,4322,3771,8501,5361,3271,1791,069984916
78,0006,7803,5232,4391,8991,5761,3621,2101,0971,010941
80,0006,9543,6132,5021,9481,6171,3971,2411,1251,036965

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

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

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

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

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

Product Disclosure Sheet- Civilian

Download here

 

Product Disclosure Sheet- PPK Army

Download here

 

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

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

KADAR KEUNTUNGAN: 4:65% (TETAP)

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

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

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

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

JUMLAH PEMBIAYAAN (RM) 1 TAHUN2 TAHUN3 TAHUN4 TAHUN5 TAHUN6 TAHUN7 TAHUN8 TAHUN9 TAHUN10 TAHUN
10,000 867450311242200173153139127118
20,0001,735900622483400345306277255237
30,0002,6021,349933725601518460146382355
40,0003,4701,7991,244966801691613555510474
50,0004,3372,2491,5541,2081,001864766693637592
60,0005,2042,6991,8651,4501,2011,036919832764711
70,0006,0723,1492,1761,6911,4011,2091,072970892829
80,0006,9393,5992,4871,9331,6021,3821,2251,1091,019948
90,0007,8074,0482,7982,1741,8021,5541,3791,2481,1471,066
100,0008,6744,4983,1092,4162,0021,7271,5321,3861,2741,185
110,0009,5414,9483,4202,6582,2021,9001,6851,5251,4011,303
120,00010,4095,3983,7312,8992,4022,0721,8381,6641,5291,422
130,00011,2765,8484,0413,1412,6022,2451,9911,8021,6561,540
140,00012,1436,2974,3523,3822,8032,4182,1451,9411,7841,659
150,00013,0116,7474,6633,6243,0032,5912,2982,0801,9111,777
160,00013,8787,1974,9743,8663,2032,7632,4512,2182,0381,896
170,00014,7467,6475,2854,1073,4032,9362,6042,3572,1662,014
180,00015,6138,0975,5964,3493,6033,1092,7572,4952,2932,133
190,00016,4808,5465,9074,5903,8043,2812,9112,6342,4212,251
200,00017,3488,9966,2184,8324,0043,4543,0642,7732,5482,370
210,00018,2159,4466,5285,0744,2043,6273,2172,9112,6762,488
220,00019,0839,8966,8395,3154,4043,8003,3703,0502,8032,607
230,00019,95010,3467,1505,5574,6043,9723,5233,1892,9302,725
240,00020,81710,7967,4615,7984,8054,1453,6763,3273,0582,844
250,00021,68511,2457,7726,0405,0054,3183,8303,4663,1852,962

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

Product Disclosure Sheet

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

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

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

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

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

Product Disclosure Sheet

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

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

KADAR KEUNTUNGAN: 5.50% (TETAP)

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

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

Product Disclosure Sheet

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

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

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

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

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

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

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

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

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

Product Disclosure Sheet

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

Product Disclosure Sheet

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

Product Disclosure Sheet

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

Product Disclosure Sheet

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

Government Employees

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

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

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


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

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



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