Structured Personal Financing-i


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TermDescription
ConceptTawarruq
Features
  • Minimum Financing : 2 years
  • Maximum Financing : 10 Years
  • Financing Up to RM250,000*
  • Age up to 70 years old*
  • No Guarantor Required
  • No Processing Fee
  • No Hidden Charges
  • Debt Consolidations
*subject to terms and conditions
Selling priceFixed and Known Upfront
Choices Mode of PaymentSalary Deduction / Salary Transfer / Standing Instruction
Wasiat/Will WritingOptional (highly encourage)
TakafulOptional (highly encourage)
Structure of ProductMuamalat Personal Financing-i (Tawarruq) is a financing facility that is designed to provide cash financing to the customers for personal consumption/ use which does not contravene with the Shariah principles.
Generally, this product is based on Tawarruq as its underlying Shariah concept for provision of financing. The financing structure under the Tawarruq arrangement involves the combination of Wa’d Mulzim, Murabahah, Wakalah and Bai’ Wadhi’ah contracts.
Shariah Concepts
  • Tawarruq consists of two sale and purchase contracts where the first involves the sale of an asset by a seller to a purchaser on a deferred basis. Subsequently, the purchaser of the first sale will sell the same asset to a third party on a cash basis.
  • Murabahah refers to a sale and purchase of an asset where the acquisition cost and the mark-up are disclosed to the purchaser.
  • Wakalah means a contract in which a party (muwakkil) authorises another party as his agents (wakil) to perform a particular task, in matters that may be delegated, either voluntarily or with imposition of fee.
  • Wa’d refers to an expression of commitment given by one party to another to perform certain action(s) in the future.
  • Bai’ Wadhi’ah is a sale contract whereby the asset / commodity is sold at lower price than the cost incurred by the Customer.
TermDescription
PurposeFor personal use
Who Can Apply
  • Malaysia Armed Forces Pensioner
  • All Government Pensioner
Tenure Minimum: 3 years
Maximum: 10 years
Financing AmountMinimum: RM 5,000.00
Maximum: RM 250,000.00
Profit RateCompetitive Flat & Floating Rate
Mode of PaymentPension with BMMB
Wasiat/Will - writingOptional (highly encourage)
Takaful Optional (highly encourage)
Documents Required
  • Copy of NRIC (front and back)
  • Copy of Pension Card
  • Pension Ledger / Statement
  • BMMB Saving Passbook
Applicants Eligibility
  • Repayment Capacity
    -
    Determine by NDI & DSR
  • Pension
    - Pension credited with BMMB and paid by JHEV for Armed Forces   
    - Pension credited with BMMB under Scheme A and paid by JPA

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

KADAR KEUNTUNGAN: 5:50% (TETAP)

JUMLAH PEMBIYAAN (RM)1 TAHUN2 TAHUN3 TAHUN4 TAHUN5 TAHUN6 TAHUN7 TAHUN8 TAHUN9 TAHUN10 TAHUN
10,000879463324254213185165150138129
20,0001,758925647508425369330300277258
30,0002,6381,388971763638554495450415388
40,0003,5171,8501,2941,017850739660600554517
50,0004,3962,3131,6181,2711,063924824750692646
60,0005,2752,7751,9421,5251,2751,108989900831775
70,0006,1543,2382,2651,7791,4881,2931,1541,050969904
80,0007,0333,7002,5892,0331,7001,4781,3191,2001,1071,033
90,0007,9134,1632,9132,2881,9131,6631,4841,3501,2461,163
100,0008,7924,6253,2362,5422,1251,8471,6491,5001,3841,292
110,0009,6715,0883,5602,7962,3382,0321,8141,6501,5231,421
120,00010,5505,5503,8833,0502,5502,2171,9791,8001,6611,550
130,00011,4296,0134,2073,3042,7632,4012,1431,9501,8001,679
140,00012,3086,4754,5313,5582,9752,5862,3082,2101,9381,808
150,00013,1886,9384,8543,8133,1882,7712,4732,2502,0761,938
160,00014,0677,4005,1784,0673,4002,9562,6382,4002,2152,067
170,00014,9467,8635,5014,3213,6133,1402,8032,5502,3532,196
180,00015,8258,3255,8254,5753,8253,3252,9682,7002,4922,325
190,00016,7048,7886,1494,8294,0383,5103,1332,8502,6302,454
200,00017,5839,2506,4725,0834,2503,6943,2983,0002,7692,583
210,00018,4639,7136,7965,3384,4633,8793,4633,1502,9072,713
220,00019,34210,1757,1195,5924,6754,0643,6273,3003,0452,842
230,00020,22110,6387,443 5,8464,8884,2493,7923,4503,1842,971
240,00021,10011,1007,7676,1005,1004,4333,9573,6003,3223,100
250,00021,97911,5638,0906,3545,3134,6184,1223,7503,4613,229

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

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

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

JUMLAH PEMBIYAAN (RM)1 TAHUN2 TAHUN3 TAHUN4 TAHUN5 TAHUN6 TAHUN7 TAHUN8 TAHUN9 TAHUN10 TAHUN
10,000 868450311242200173153139128119
20,0001,735900622484401346307278255238
30,0002,6031,350933726601519460417383356
40,0003,4701,8001,244967802692614556511475
50,0004,3382,2501,5561,2091,002865767694638594
60,0005,2062,7001,8671,4511,2031,038921833766713
70,0006,0733,1502,1781,6931,4031,2111,074972894831
80,0006,9413,6002,4891,9351,6031,3841,2271,1111,021950
90,0007,8094,0502,8002,1771,8041,5571,3811,2501,1491,069
100,0008,6764,5003,1112,4182,0041,7291,5341,3891,2771,188
110,0009,5444,9503,4222,6602,2051,9021,6881,5281,4041,306
120,00010,4115,4003,7332,9022,4052,0751,8411,6671,5321,425
130,00011,2795,8514,0443,1442,6062,2481,9951,8061,6601,544
140,00012,1476,3014,3563,3862,8062,4212,1481,9441,7871,663
150,00013,0146,7514,6673,6283,0062,5942,3012,0831,9151,781
160,00013,8827,2014,9783,8693,2072,7672,4552,2222,0431,900
170,00014,7507,6515,2894,1113,4072,9402,6082,3612,1702,019
180,00015,6178,1015,6004,3533,6083,1132,7622,5002,2982,138
190,00016,4858,5515,9114,5953,8083,2862,9152,6392,4262,256
200,00017,3529,0016,2224,8374,0093,4593,0692,7782,5532,375
210,00018,2209,4516,5335,0794,2093,6323,2222,9172,6812,494
220,00019,0889,9016,8445,3204,4093,8053,3763,0562,8092,613
230,00019,95510,3517,1555,5624,6103,9783,5293,1942,9362,731
240,00020,82310,8017,4675,8044,8104,1513,6823,3333,0642,850
250,00021,69111,2517,7786,0465,0114,3243,8363,4723,1922,969

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

Product Disclosure Sheet – ENG

Download here

 

Product Disclosure Sheet – BM

Download here

 

TermDescription
Purpose Debt Settlement & Cash Consumption
Who Can Apply
  • Malaysia Armed Forces Pensioner
  • All Federal/State Government/GLC & Selected Organizations Staff
Tenure Minimum: 3 years
Maximum: 10 years
Financing Amount Armed Forces - Lain-Lain Pangkat (LLP) :
  • Minimum : RM 5,000.00
  • Maximum : RM 80,000.00
  • Armed Forces Officer & Civilian (Government)
  • Minimum : RM 5,000.00
  • Maximum : RM 150,000.00
  • Profit Rate Competitive Flat & Floating Rate
    Mode of Payment
    • Salary with BMMB
    Wasiat/Will - writing Optional (highly encourage)
    Takaful Optional (highly encourage)
    Documents Required
    • Copy of NRIC or ID (front and back)
    • Latest 1 month salary slip (Flat Rate)
    • Latest 3 months salary slip (Floating Rate)
    • Employment Confirmation Letter
    • Latest Settlement Statement
    • Investment Statement (if applicable)
    Applicants Eligibility
    • Repayment Capacity
      - Determine by NDI & DSR
    • Employment
      - Government:- Confirmed Staff                                                                         
      - Non Government:- Permanent and Confirmed staff with minimum 3 years in service

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

    KADAR KEUNTUNGAN: 5.50% (TETAP)

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

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

    JADUAL PEMBAYARAN PEMBIAYAAN PERIBADI-i PENGURUSAN KEWANGAN
    untuk KAKITANGAN KERAJAAN

    KADAR KEUNTUNGAN: BR + 4.95% (KADAR TERAPUNG)

    JUMLAH PEMBIAYAAN (RM)1 TAHUN2 TAHUN3 TAHUN4 TAHUN5 TAHUN6 TAHUN7 TAHUN8 TAHUN9 TAHUN10 TAHUN
    10,000868450311242200173153139128119
    15,0001,301675467363301259230208191178
    20,0001,735900622484401346307278255238
    25,0002,1691,125778605501432384347319297
    30,0002,6031,350933726601519460417383356
    35,0003,0371,5751,089846701605537486447416
    40,0003,4701,8001,244967802692614556511475
    45,0003,9042,0251,4001,088902778690625574534
    50,0004,3382,2501,5561,2091,002865767694638594
    55,0004,7722,4751,7111,3301,102951844764702653
    60,0005,2062,7001,8671,4511,2031,038921833766713
    65,0005,6402,9252,0221,5721,3031,124997903830772
    70,0006,0733,1502,1781,6931,4031,2111,074972894831
    75,0006,5073,3752,3331,8141,5031,2971,1511,042957891
    80,0006,9413,6002,4891,9351,6031,3841,2271,1111,021950
    85,0007,3753,8252,6442,0561,7041,4701,3041,1811,0851,009
    90,0007,8094,0502,8002,1771,8041,5571,3811,2501,1491,069
    95,0008,2424,2752,9562,2971,9041,6431,4581,3191,2131,128
    100,0008,6764,5003,1112,4182,0041,7291,5341,3891,2771,188
    105,0009,1104,7253,2672,5392,1041,8161,6111,4581,3401,247
    110,0009,5444,9503,4222,6602,2051,9021,6881,5281,4041,306
    115,0009,9785,1753,5782,7812,3051,9891,7641,5971,4681,366
    120,00010,4115,4003,7332,9022,4052,0751,8411,6671,5321,425
    125,00010,8455,6263,8893,0232,5052,1621,9181,7361,5961,484
    130,00011,2795,8514,0443,1442,6062,2481,9951,8061,6601,544
    135,00011,7136,0764,2003,2652,7062,3352,0711,8751,7231,603
    140,00012,1476,3014,3563,3862,8062,4212,1481,9441,7871,663
    145,00012,5806,5264,5113,5072,9062,5082,2252,0141,8511,722
    150,00013,0146,7514,6673,6283,0062,5942,3012,0831,9151,781

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

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

    KADAR KEUNTUNGAN: BR + 5.05% (KADAR TERAPUNG)

    JUMLAH PEMBIAYAAN (RM) 1 TAHUN2 TAHUN3 TAHUN4 TAHUN5 TAHUN6 TAHUN7 TAHUN8 TAHUN9 TAHUN10 TAHUN
    10,000868450312242201173154139128119
    12,0001,042541374291241208185167154143
    14,0001,215631436339281243215195179167
    16,0001,389721499388321277246223205191
    18,0001,563811561436362312277251231215
    20,0001,736901623485402347308279256239
    22,0001,910991685533442382339307282262
    24,0002,0831,081748582482416369335308286
    26,0002,2571,171810630522451400362333310
    28,0002,4311,261842678563486431390359334
    30,0002,6041,351935727603520462418385358
    32,0002,7781,442997775643555493446410382
    34,0002,9511,5321,059824683590523474436406
    36,0003,1251,6221,122872723624554502461429
    38,0003,2991,7121,184921763659585530487453
    40,0003,4721,8021,246969804694616558513477
    42,0003,6461,8921,3091,018844728646585538501
    44,0003,8201,9821,3711,066884763677613564525
    46,0003,9932,0721,4331,115924798708641590549
    48,0004,1672,1621,4961,163964832739669615573
    50,0004,3402,2521,5581,2121,005867770697641596
    52,0004,5142,3431,6201,2601,045902800725667620
    54,0004,6884,4331,6821,3081,085937831753692644
    56,0004,8612,5231,7451,3571,125971862781718668
    58,0005,0352,6131,8071,4051,1651,006893808743692
    60,0005,2082,7031,8691,4541,2051,041924836769716
    62,0005,3822,7931,9321,5021,2461,075954864795740
    64,0005,5562,8831,9941,5511,2861,110985892820763
    66,0005,7292,9732,0561,5991,3261,1451,016920846787
    68,0005,9033,0632,1191,6481,3661,1791,047948872811
    70,0006,0773,1532,1811,6961,4061,2141,077976897835
    72,0006,2503,2442,2431,7451,4461,2491,1081,004923859
    74,0006,4243,3342,3061,7931,4871,2831,1391,032948883
    76,0006,5973,4242,3681,8421,5171,3181,1701,059974907
    78,0006,7713,5142,4301,8901,5671,3531,2011,0871,000930
    80,0006,9453,6042,4931,9381,6071,3871,2311,1151,025954

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

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

    Product Disclosure Sheet- Civilian – ENG

    Download here

     

    Product Disclosure Sheet- Civilian – BM

    Download here

     

    Product Disclosure Sheet- PPK Army – ENG

    Download here

     

    Product Disclosure Sheet- PPK Army – BM

    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 16 years in services
      - For Officer – Minimum 5 years before retirement
    TenureUp to 10 years
    Financing AmountMinimum: RM 5,000.00
    Maximum: RM 250,000.00
    Profit RateCompetitive Flat & Floating Rate
    Mode of Payment
    • Salary with BMMB
    Wasiat/Will - writingOptional (highly encourage)
    TakafulOptional (highly encourage)
    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 866449310240199172152137126117
    20,0001,732897619481398343304275252234
    30,0002,5991,346929721597515456412378352
    40,0003,4651,7951,239962796686608550505469
    50,0004,3312,2431,5491,202995858760687631586
    60,0005,1972,6921,8581,4431,1941,029912824757703
    70,0006,0643,1412,1681,6831,3931,2011,064962883820
    80,0006,9303,5892,4781,9241,5921,3721,2161,0991,009938
    90,0007,7964,0382,7882,1641,7911,5441,3681,2361,1351,055
    100,0008,6624,4873,0972,4041,9901,7151,5201,3741,2611,172
    110,0009,5294,9353,4072,6452,1891,8871,6721,5111,3871,289
    120,00010,3955,3843,7172,8852,3882,0581,8231,6491,5141,406
    130,00011,2615,8334,0273,1262,5872,2301,9751,7861,6401,524
    140,00012,1276,2814,3363,3662,7862,4012,1271,9231,7661,641
    150,00012,9946,7304,6463,6072,9852,5732,2792,0611,8921,758
    160,00013,8607,1794,9563,8473,1842,7442,4312,1982,0181,875
    170,00014,7267,6285,2654,0873,3832,9162,5832,3362,1441,992
    180,00015,5928,0765,5754,3283,5823,0872,7352,4732,2702,109
    190,00016,4588,5255,8854,5683,7813,2592,8872,6102,3962,227
    200,00017,3258,9746,1954,8093,9803,4303,0392,7482,5232,344
    210,00018,1919,4226,5045,0494,1793,6023,1912,8852,6492,461
    220,00019,0579,8716,8145,2904,3783,7733,3433,0222,7752,578
    230,00019,92310,3207,1245,5304,5773,9453,4953,1602,9012,695
    240,00020,79010,7687,4345,7714,7764,1163,6473,2973,0272,813
    250,00021,65611,2177,7436,0114,9754,2883,7993,4353,1532,930

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

    Product Disclosure Sheet – ENG

    Download here

     

    Product Disclosure Sheet – BM

    Download here

     

    TermDescription
    PurposeFor Debt Settlement & Cash Consumption
    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
    Wasiat/Will - writing Optional (highly encourage)
    TakafulOptional (highly encourage)
    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 – ENG

    Download here

     

    Product Disclosure Sheet – BM

    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 Optional (highly encourage)
    TakafulOptional (highly encourage)
    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 – ENG

    Download here

     

    Product Disclosure Sheet – BM

    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 Optional (highly encourage)
    TakafulOptional (highly encourage)
    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 – ENG

    Download here

     

    Product Disclosure Sheet – BM

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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 Optional (highly encourage)
    TakafulOptional (highly encourage)
    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 – ENG

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    Product Disclosure Sheet – BM

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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 Optional (highly encourage)
    TakafulOptional (highly encourage)
    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 – ENG

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    Product Disclosure Sheet – BM

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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 Deduction At Source
    Wasiat/Will - writing Optional (highly encourage)
    TakafulOptional (highly encourage)
    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 – ENG

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    Product Disclosure Sheet – BM

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    Personal Financing-i Programme


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    TermDescription
    ConceptTawarruq
    Features
    • Minimum Financing : 2 years
    • Maximum Financing : 10 Years
    • Financing Up to RM400,000*
    • 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
    • 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 RM3,000 and above
    • Confirmed position or is permanent staff
    • 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
    Floating Rate
    Salary Transfer or Salary Deduction & Standing Instruction
    Tenure
    Salary Transfer/Deduction
    Without Takaful
    (Add 1%)
    Standing Instruction
    (Add 2%)
    Without Takaful
    (Add 3%)
    2-3 years
    (BR+1.24%)
    @3.80% p.a
    (BR+2.24%)
    @4.80% p.a
    (BR+3.24%)
    @5.80% p.a
    (BR+4.24%)
    @6.80% p.a
    4-10 years
    (BR+1.96%)
    @4.52% p.a
    (BR+2.96%)
    @5.52% p.a
    (BR+3.96%)
    @6.52% p.a
    (BR+4.96%)
    @7.52% p.a
    *Ceiling Rate at 11.00%
    Fixed Rate
    Salary Transfer or Salary Deduction & Standing Instruction
    Tenure
    Salary Transfer/Deduction
    Without Takaful
    (Add 1%)
    Standing Instruction
    (Add 2%)
    Without Takaful
    (Add 3%)
    2-3 years
    2.69%
    3.69%
    4.69%
    5.69%
    4-10 years
    3.69%
    4.69%
    5.69%
    6.69%
    *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 preferred sectors:-Please refer list of Preferred Sectors Employers
    • 1) Oil and Gas
      2) Financial Service Providers
      3) Healthcare
      4) Telcos - (TM, Celcom Axiata, Maxis, Digi)
      5) Big 4 (Deloitte, PwC, EY & KPMG)
    • 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 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
    Floating Rate
    Salary Transfer or Salary Deduction & Standing Instruction
    Tenure
    Salary Transfer/Deduction
    Without Takaful
    (Add 1%)
    Standing Instruction
    (Add 2%)
    Without Takaful
    (Add 3%)
    2-3 years
    (BR+1.24%)
    @3.80% p.a
    (BR+2.24%)
    @4.80% p.a
    (BR+1.24%)
    @3.80% p.a
    (BR+2.24%)
    @4.80% p.a
    4-10 years
    (BR+1.96%)
    @4.52% p.a
    (BR+2.96%)
    @5.52% p.a
    (BR+1.96%)
    @4.52% p.a
    (BR+2.96%)
    @5.52% p.a
    *Ceiling Rate at 11.00%
    Fixed Rate
    Salary Transfer or Salary Deduction & Standing Instruction
    Tenure
    Salary Transfer/Deduction
    Without Takaful
    (Add 1%)
    Standing Instruction
    (Add 2%)
    Without Takaful
    (Add 3%)
    2-3 years
    2.69%
    3.69%
    2.69%
    3.69%
    4-10 years
    3.69%
    4.69%
    3.69%
    4.69%
    *additional 1.00% on rates for financing without takaful

     

     List of Preferred Sector Employers

    TermDescription
    PurposeFor Personal Use – Cash Consumption, debt consolidation, education, medical etc.
    Eligibility
    • Individual with a minimum monthly income of RM 7,000 or annual income of RM84,000
    • Age 18 and above.
    • Malaysian citizen
    • Financing up 60 years old. (for Medical Practitioners up to 70 years old).
    • Subset under category Cash-i Muamalat and Cash-i Muamalat Pro
    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
    • More than RM200,000
    • Maximum RM 250,000
    Financing Tenure
    • Minimum 2 years - Maximum 10 years
    Floating Rate
    Salary Transfer or Salary Deduction & Standing Instruction
    Tenure
    Salary Transfer/Deduction
    Without Takaful
    (Add 1%)
    Standing Instruction
    (Add 2%)
    Without Takaful
    (Add 3%)
    2-3 years
    (BR+1.24%)
    @3.80% p.a
    (BR+2.24%)
    @4.80% p.a
    (BR+3.24%)
    @5.80% p.a
    (BR+4.24%)
    @6.80% p.a
    4-10 years
    (BR+1.96%)
    @4.52% p.a
    (BR+2.96%)
    @5.52% p.a
    (BR+3.96%)
    @6.52% p.a
    (BR+4.96%)
    @7.52% p.a
    *Ceiling Rate at 11.00%
    Fixed Rate
    Salary Transfer or Salary Deduction & Standing Instruction
    Tenure
    Salary Transfer/Deduction
    Without Takaful
    (Add 1%)
    Standing Instruction
    (Add 2%)
    Without Takaful
    (Add 3%)
    2-3 years
    2.69%
    3.69%
    4.69%
    5.69%
    4-10 years
    3.69%
    4.69%
    5.69%
    6.69%
    *additional 1.00% on rates for financing without takaful
    TermDescription
    PurposeFor Personal Use – Cash Consumption, debt consolidation, education, medical etc.
    Eligibility
    • Individual with a minimum monthly income of RM15,000 or annual income of RM180,000
    • Age 18 and above
    • Malaysian citizen
    • Financing up 60 years old. (for Medical Practitioners up to 70 years old)
    • Extension for Cash-i Muamalat Prestige
    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
    • More than RM250,000
    • Maximum RM 400,000
    Financing Tenure
    • Minimum 2 years - Maximum 10 years
    Floating Rate
    Salary Transfer or Salary Deduction & Standing Instruction
    Tenure
    Salary Transfer/Deduction
    Without Takaful
    (Add 1%)
    Standing Instruction
    (Add 2%)
    Without Takaful
    (Add 3%)
    2-3 years
    (BR+1.24%)
    @3.80% p.a
    (BR+2.24%)
    @4.80% p.a
    (BR+3.24%)
    @5.80% p.a
    (BR+4.24%)
    @6.80% p.a
    4-10 years
    (BR+1.96%)
    @4.52% p.a
    (BR+2.96%)
    @5.52% p.a
    (BR+3.96%)
    @6.52% p.a
    (BR+4.96%)
    @7.52% p.a
    *Ceiling Rate at 11.00%
    Fixed Rate
    Salary Transfer or Salary Deduction & Standing Instruction
    Tenure
    Salary Transfer/Deduction
    Without Takaful
    (Add 1%)
    Standing Instruction
    (Add 2%)
    Without Takaful
    (Add 3%)
    2-3 years
    2.69%
    3.69%
    4.69%
    5.69%
    4-10 years
    3.69%
    4.69%
    5.69%
    6.69%
    *additional 1.00% on rates for financing without takaful
    TermsDescription
    PurposeFor Personal Use - Cash Consumption, debt consolidation, education, medical etc
    Eligibility
    • Proof of monthly income of RM 3,000.00
    • Malaysian citizen Age 18 and above (no cap on maximum age)
    • Permanent position or Contractual staff min 1 year of service
    • Self-employed / Sole proprietor / Business owner
    Mode of Payment
    • Salary Deduction at Source
    • Salary Transfer to Bank Muamalat
    • Standing Instruction
    Required Documents / Proof of IncomeSalary Earner
    • MyKad
    • Latest 1 month payslip
    • Latest 1 month Bank statement showing salary crediting or
    • Any other income supporting document (if required- EA or EPF)
    Self Employed
    • My Kad
    • Business registration
    • Latest financial statement or
    • Income tax return
    • latest 6 months current account statement
    CollateralsBank's Own Products:-
    • SA-i
    • FTA-i
    • Muamalat Gold (MG-i) Account
    Pricing Structure
    Tenure (Years)
    Rate
    2-4
    5.74% (BR + 2.18%)
    5-10
    5.80% (BR + 2.24%)
    Financing Tenure
    • Minimum 1 year
    • Maximum 10 years
    Financing Amount
    • Minimum RM10,000
    • Maximum RM250,000
    Margin of Financing (MOF)
    No
    Accepted Collaterals
    MOF
    1
    SA-i
    100%
    2
    FTA-i
    100%
    3
    MG-i Account
    80%

     




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