Bank Muamalat Malaysia Berhad » Personal Financing-i

Term	Description
Concept	Tawarruq
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 price	Fixed and Known Upfront
Takaful Protection	Optional
Choices Mode of Payment	Salary Deduction / Salary Transfer / Standing Instruction
Wasiat/Will Writing	Highly encouraged
Structure of Product	Muamalat 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.

1) Pembiayaan Peribadi Pesara (3P)

Term	Description
Purpose	For personal use
Who Can Apply	Malaysia Armed Forces Pensioner All Government Pensioner
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	Pension with BMMB
Wasiat/Will - writing	Highly 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 TAHUN	2 TAHUN	3 TAHUN	4 TAHUN	5 TAHUN	6 TAHUN	7 TAHUN	8 TAHUN	9 TAHUN	10 TAHUN
10,000	879	463	324	254	213	185	165	150	138	129
20,000	1,758	925	647	508	425	369	330	300	277	258
30,000	2,638	1,388	971	763	638	554	495	450	415	388
40,000	3,517	1,850	1,294	1,017	850	739	660	600	554	517
50,000	4,396	2,313	1,618	1,271	1,063	924	824	750	692	646
60,000	5,275	2,775	1,942	1,525	1,275	1,108	989	900	831	775
70,000	6,154	3,238	2,265	1,779	1,488	1,293	1,154	1,050	969	904
80,000	7,033	3,700	2,589	2,033	1,700	1,478	1,319	1,200	1,107	1,033
90,000	7,913	4,163	2,913	2,288	1,913	1,663	1,484	1,350	1,246	1,163
100,000	8,792	4,625	3,236	2,542	2,125	1,847	1,649	1,500	1,384	1,292
110,000	9,671	5,088	3,560	2,796	2,338	2,032	1,814	1,650	1,523	1,421
120,000	10,550	5,550	3,883	3,050	2,550	2,217	1,979	1,800	1,661	1,550
130,000	11,429	6,013	4,207	3,304	2,763	2,401	2,143	1,950	1,800	1,679
140,000	12,308	6,475	4,531	3,558	2,975	2,586	2,308	2,210	1,938	1,808
150,000	13,188	6,938	4,854	3,813	3,188	2,771	2,473	2,250	2,076	1,938
160,000	14,067	7,400	5,178	4,067	3,400	2,956	2,638	2,400	2,215	2,067
170,000	14,946	7,863	5,501	4,321	3,613	3,140	2,803	2,550	2,353	2,196
180,000	15,825	8,325	5,825	4,575	3,825	3,325	2,968	2,700	2,492	2,325
190,000	16,704	8,788	6,149	4,829	4,038	3,510	3,133	2,850	2,630	2,454
200,000	17,583	9,250	6,472	5,083	4,250	3,694	3,298	3,000	2,769	2,583
210,000	18,463	9,713	6,796	5,338	4,463	3,879	3,463	3,150	2,907	2,713
220,000	19,342	10,175	7,119	5,592	4,675	4,064	3,627	3,300	3,045	2,842
230,000	20,221	10,638	7,443	5,846	4,888	4,249	3,792	3,450	3,184	2,971
240,000	21,100	11,100	7,767	6,100	5,100	4,433	3,957	3,600	3,322	3,100
250,000	21,979	11,563	8,090	6,354	5,313	4,618	4,122	3,750	3,461	3,229

* 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 TAHUN	2 TAHUN	3 TAHUN	4 TAHUN	5 TAHUN	6 TAHUN	7 TAHUN	8 TAHUN	9 TAHUN	10 TAHUN
10,000	869	451	312	243	202	174	155	140	129	120
20,000	1,738	902	625	486	403	348	309	280	258	240
30,000	2,606	1,354	937	729	605	522	464	420	387	360
40,000	3,475	1,805	1,249	972	806	697	619	561	516	480
50,000	4,344	2,256	1,561	1,215	1,008	871	773	701	645	600
60,000	5,213	2,707	1,874	1,458	1,210	1,045	928	841	774	720
70,000	6,081	3,158	2,186	1,701	1,411	1,219	1,083	981	903	840
80,000	6,950	3,609	2,498	1,944	1,613	1,393	1,237	1,121	1,032	961
90,000	7,819	4,061	2,810	2,187	1,815	1,567	1,392	1,261	1,161	1.081
100,000	8,688	4,512	3,123	2,430	2,016	1,742	1,547	1,402	1,289	1,201
110,000	9,557	4,963	3,435	2,673	2,218	1,916	1,701	1,542	1,418	1,321
120,000	10,425	5,414	3,747	2,916	2,419	2,090	1,856	1,682	1,547	1,441
130,000	11,294	5,865	4,059	3,159	2,621	2,264	2,011	1,822	1,676	1,561
140,000	12,163	6,317	4,372	3,402	2,823	2,438	2,165	1,962	1,805	1,681
150,000	13,032	6,768	4,684	3,645	3,024	2,612	2,320	2,102	1,934	1,801
160,000	13,900	7,219	4,996	3,888	3,226	2,787	2,475	2,242	2,063	1,921
170,000	14,769	7,670	5,308	4,131	3,427	2,961	2,629	2,383	2,192	2,041
180,000	15,638	8,121	5,621	4,374	3,629	3,135	2,784	2,523	2,321	2,161
190,000	16,507	8,572	5,933	4,617	3,831	3,309	2,939	2,663	2,450	2,281
200,000	17,376	9,024	6,245	4,860	4,032	3,483	3,093	2,803	2,579	2,401
210,000	18,244	9,475	6,557	5,103	4,234	3,657	3,248	2,943	2,708	2,521
220,000	19,113	9,926	6,870	5,346	4,436	3,832	3,403	3,083	2,837	2,641
230,000	19,982	10,377	7,182	5,589	4,637	4,006	3,557	3,223	2,966	2,761
240,000	20,851	10,828	7,494	5,832	4,839	4,180	3,712	3,364	3,095	2,882
250,000	21,719	11,279	7,806	6,075	5,040	4,354	3,867	3,504	3,224	3,002

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

Product Disclosure Sheet

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2) Pembiayaan Pengurusan Kewangan (PPK)

Term	Description
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 TAHUN	2 TAHUN	3 TAHUN	4 TAHUN	5 TAHUN	6 TAHUN	7 TAHUN	8 TAHUN	9 TAHUN	10 TAHUN
10,000	879.17	462.50	323.61	254.17	212.50	184.72	164.88	150.00	138.43	129.17
15,000	1,318.75	693.75	485.42	381.28	318.75	277.08	247.32	225.00	207.64	193.75
20,000	1,758.33	925.00	647.22	508.33	425.00	369.44	329.76	300.00	276.85	258.33
25,000	2,197.92	1,156.25	809.03	635.42	531.25	461.81	412.20	375.00	346.06	322.92
30,000	2,637.50	1,387.50	970.83	762.50	637.50	554.17	494.64	450.00	415.28	387.50
35,000	3,077.08	1,618.75	1,132.64	889.58	743.75	646.53	577.08	525.00	484.49	452.08
40,000	3,516.67	1,850.00	1,294.44	1,016.67	850.00	738.89	659.52	600.00	553.70	516.67
45,000	3,956.25	2,081.25	1,456.25	1,143.75	956.25	831.25	741.96	675.00	622.92	581.25
50,000	4,395.83	2,312.50	1,618.06	1,270.83	1,062.50	923.61	824.40	750.00	692.13	645.83
55,000	4,835.42	2,543.75	1,779.86	1,397.92	1,168.75	1,015.97	906.85	825.00	761.34	710.42
60,000	5,275.00	2,775.00	1,941.67	1,525.00	1,275.00	1,108.33	989.29	900.00	830.56	775.00
65,000	5,714.58	3,006.25	2,103.47	1,652.08	1,381.25	1,200.69	1,071.73	975.00	899.77	839.58
70,000	6,154.17	3,237.50	2,265.28	1,779.17	1,487.50	1,293.06	1,154.17	1,050.00	968.98	904.17
75,000	6,593.75	3,468.75	2,427.08	1,906.25	1,593.75	1,385.42	1,236.61	1,125.00	1,038.19	968.75
80,000	7,033.33	3,700.00	2,588.89	2,033.33	1,700.00	1,477.78	1,319.05	1,200.00	1,107.41	1,033.33
85,000	7,472.92	3,931.25	2,750.69	2,160.42	1,806.25	1,570.14	1,401.49	1,275.00	1,176.62	1,097.92
90,000	7,912.50	4,162.50	2,912.50	2,287.50	1,912.50	1,662.50	1,483.93	1,350.00	1,245.83	1,162.50
95,000	8,352.08	4,393.75	3,074.31	2,414.58	2,018.75	1,754.86	1,566.37	1,425.00	1,315.05	1,227.08
100,000	8,791.67	4,625.00	3,236.11	2,541.67	2,125.00	1,847.22	1,648.81	1,500.00	1,384.26	1,291.67
105,000	9,231.25	4,856.25	3,397.92	2,668.75	2,231.25	1,939.58	1,731.25	1,575.00	1,453.47	1,356.25
110,000	9,670.83	5,087.50	3,559.72	2,795.83	2,337.50	2,031.94	1,813.69	1,650.00	1,522.69	1,420.83
115,000	10,110.42	5,318.75	3,721.53	2,922.92	2,443.75	2,124.31	1,896.13	1,725.00	1,591.90	1,485.42
120,000	10,550.00	5,550.00	3,883.33	3,050.00	2,550.00	2,216.67	1,978.57	1,800.00	1,661.11	1,550.00
125,000	10,989.58	5,781.25	4,045.14	3,177.08	2,656.25	2,309.03	2,061.01	1,875.00	1,730.32	1,614.58
130,000	11,429.17	6,012.50	4,206.94	3,304.17	2,762.50	2,401.39	2,143.45	1,950.00	1,799.54	1,679.17
135,000	11,868.75	6,243.75	4,368.75	3,431.25	2,868.75	2,493.75	2,225.89	2,025.00	1,868.75	1,743.75
140,000	12,308.33	6,475.00	4,530.56	3,558.33	2,975.00	2,586.11	2,308.33	2,100.00	1,937.96	1,808.33
145,000	12,747.92	6,706.25	4,692.36	3,685.42	3,081.25	2,678.47	2,390.77	2,175.00	2,007.18	1,872.92
150,000	13,187.50	6,937.50	4,854.17	3,812.50	3,187.50	2,770.83	2,473.21	2,250.00	2,076.39	1,937.50

* 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 TAHUN	2 TAHUN	3 TAHUN	4 TAHUN	5 TAHUN	6 TAHUN	7 TAHUN	8 TAHUN	9 TAHUN	10 TAHUN
10,000	871	453	315	245	204	177	157	143	132	123
15,000	1,307	680	472	368	306	265	236	214	197	184
20,000	1,742	907	629	491	408	353	314	285	263	245
25,000	2,178	1,134	786	613	510	442	393	357	329	307
30,000	2,613	1,360	944	736	612	530	471	428	395	368
35,000	3,049	1,587	1,101	859	714	6182	550	499	460	429
40,000	3,484	1,814	1,258	981	816	706	629	571	526	491
45,000	3,920	2,041	1,416	1,104	918	795	707	642	592	552
50,000	4,355	2,267	1,573	1,227	1,020	883	786	713	658	614
55,000	4,791	2,494	1,730	1,349	1,122	971	864	785	723	675
60,000	5,227	2,721	1,887	1,472	1,224	1,060	943	856	789	736
65,000	5,662	2,947	2,045	1,595	1,326	1,148	1,022	927	855	798
70,000	6,098	3,174	2,202	1,717	1,428	1,236	1,100	999	921	859
75,000	6,533	3,401	2,359	1,840	1,530	1,325	1,179	1,070	987	920
80,000	6,969	3,628	2,517	1,963	1,632	1,413	1,257	1,142	1,052	982
85,000	7,404	3,854	2,674	2,085	1,734	1,501	1,336	1,213	1,118	1,043
90,000	7,840	4,081	2,831	2,208	1,836	1,589	1,414	1,284	1,184	1,104
95,000	8,275	4,308	2,988	2,331	1,938	1,678	1,493	1,356	1,250	1,166
100,000	8,711	4,535	3,146	2,454	2,040	1,766	1,572	1,427	1,315	1,227
105,000	9,146	4,761	3,303	2,576	2,142	1,854	1,650	1,498	1,381	1,288
110,000	9,582	4,988	3,460	2,699	2,244	1,943	1,729	1,570	1,447	1,350
115,000	10,017	5,215	3,617	2,822	2,346	2,031	1,807	1,641	1,513	1,411
120,000	10,453	5,442	3,775	2,944	2,448	2,119	1,886	1,712	1,578	1,472
125,000	10,889	5,668	3,932	3,067	2,550	2,208	1,965	1,784	1,644	1,534
130,000	11,324	5,895	4,089	3,190	2,652	2,296	2,043	1,855	1,710	1,595
135,000	11,760	6,122	4,247	3,312	2,754	2,384	2,122	1,926	1,776	1,657
140,000	12,195	6,348	4,404	3,435	2,856	2,472	2,200	1,998	1,842	1,718
145,000	12,631	6,575	4,561	3,558	2,958	2,561	2,279	2,069	1,907	1,779
150,000	13,066	6,802	4,718	3,680	3,060	2,649	2,357	2,140	1,973	1,841

* 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 TAHUN	2 TAHUN	3 TAHUN	4 TAHUN	5 TAHUN	6 TAHUN	7 TAHUN	8 TAHUN	9 TAHUN	10 TAHUN
10,000	869	452	313	243	202	175	155	141	129	121
12,000	1,043	542	375	292	243	210	186	169	155	145
14,000	1,217	632	438	341	283	245	217	197	181	169
16,000	1,391	723	500	390	323	279	248	225	207	193
18,000	1,565	813	563	438	364	314	279	253	233	217
20,000	1,738	903	625	487	404	349	310	281	259	241
22,000	1,912	994	688	536	445	384	341	309	285	265
24,000	2,086	1,084	751	584	485	419	372	338	311	289
26,000	2,260	1,174	813	633	525	454	403	366	337	314
28,000	2,434	1,265	876	682	566	489	434	394	362	338
30,000	2,608	1,355	938	730	606	524	465	422	388	362
32,000	2,782	1,445	1,001	779	647	559	497	450	414	386
34,000	2,955	1,536	1,063	828	687	594	528	478	440	410
36,000	3,129	1,626	1,126	877	728	629	559	506	466	434
38,000	3,303	1,716	1,188	925	768	664	590	534	492	458
40,000	3,477	1,807	1,251	974	808	699	621	563	518	482
42,000	3,651	1,897	1,313	1,023	849	734	652	591	544	506
44,000	3,825	1,987	1,376	1,071	889	768	683	619	570	531
46,000	3,998	2,078	1,439	1,120	930	803	714	647	596	555
48,000	4,172	2,168	1,501	1,169	970	838	745	675	621	579
50,000	4,346	2,258	1,564	1,217	1,010	873	776	703	647	603
52,000	4,520	2,349	1,626	1,266	1,051	908	807	731	673	627
54,000	4,694	2,439	1,689	1,315	1,091	943	838	760	699	651
56,000	4,868	2,529	1,751	1,363	1,132	978	869	788	725	675
58,000	5,042	2,619	1,814	1,412	1,172	1,013	900	816	751	699
60,000	5,215	2,710	1,876	1,461	1,213	1,048	931	844	777	724
62,000	5,389	2,800	1,939	1,510	1,253	1,083	962	872	803	748
64,000	5,563	2,890	2,001	1,558	1,293	1,118	993	900	829	772
66,000	5,737	2,981	2,064	1,607	1,334	1,153	1,024	928	854	796
68,000	5,911	3,071	2,126	1,656	1,374	1,188	1,055	956	880	820
70,000	6,085	3,161	2,189	1,704	1,415	1,223	1,086	985	906	844
72,000	6,259	3,252	2,252	1,753	1,455	1,257	1,117	1,013	932	868
74,000	6,432	3,342	2,314	1,802	1,495	1,292	1,148	1,041	958	892
76,000	6,606	3,432	2,377	1,850	1,536	1,327	1,179	1,069	984	916
78,000	6,780	3,523	2,439	1,899	1,576	1,362	1,210	1,097	1,010	941
80,000	6,954	3,613	2,502	1,948	1,617	1,397	1,241	1,125	1,036	965

* 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 TAHUN	2 TAHUN	3 TAHUN	4 TAHUN	5 TAHUN	6 TAHUN	7 TAHUN	8 TAHUN	9 TAHUN	10 TAHUN
10,000	871	453	315	245	204	177	157	143	132	123
15,000	1,307	680	472	368	306	265	236	214	197	184
20,000	1,742	907	629	491	408	353	314	285	263	245
25,000	2,178	1,134	786	613	510	442	393	357	329	307
30,000	2,613	1,360	944	736	612	530	471	428	395	368
35,000	3,049	1,587	1,101	859	714	618	550	499	460	429
40,000	3,484	1,814	1,258	981	816	706	629	571	526	491
45,000	3,920	2,041	1,416	1,104	918	795	707	642	592	552
50,000	4,355	2,267	1,573	1,227	1,020	883	786	713	658	614
55,000	4,791	2,494	1,730	1,349	1,122	971	864	785	723	675
60,000	5,227	2,721	1,887	1,472	1,224	1,060	943	856	789	736
65,000	5,662	2,947	2,045	1,595	1,326	1,148	1,022	927	855	798
70,000	6,098	3,174	2,202	1,717	1,428	1,236	1,100	999	921	859
75,000	6,533	3,401	2,359	1,840	1,530	1,325	1,179	1,070	987	920
80,000	6,969	3,628	2,517	1,963	1,632	1,413	1,257	1,142	1,052	982
85,000	7,404	3,854	2,674	2,085	1,734	1,501	1,336	1,213	1,118	1,043
90,000	7,840	4,081	2,831	2,208	1,836	1,589	1,414	1,284	1,184	1,104
95,000	8,275	4,308	2,988	2,331	1,938	1,678	1,493	1,356	1,250	1,166
100,000	8,711	4,535	3,146	2,454	2,040	1,766	1,572	1,427	1,315	1,227
105,000	9,146	4,761	3,303	2,576	2,142	1,854	1,650	1,498	1,381	1,288
110,000	9,582	4,988	3,460	2,699	2,244	1,943	1,729	1,570	1,447	1,350
115,000	10,017	5,215	3,617	2,822	2,346	2,031	1,807	1,641	1,513	1,411
120,000	10,453	5,442	3,775	2,944	2,448	2,119	1,886	1,712	1,578	1,472
125,000	10,889	5,668	3,932	3,067	2,550	2,208	1,965	1,784	1,644	1,534
130,000	11,324	5,895	4,089	3,190	2,652	2,296	2,043	1,855	1,710	1,595
135,000	11,760	6,122	4,247	3,312	2,754	2,384	2,122	1,926	1,776	1,657
140,000	12,195	6,348	4,404	3,435	2,856	2,472	2,200	1,998	1,842	1,718
145,000	12,631	6,575	4,561	3,558	2,958	2,561	2,279	2,069	1,907	1,779
150,000	13,066	6,802	4,718	3,680	3,060	2,649	2,357	2,140	1,973	1,841

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

Product Disclosure Sheet- Civilian

Download here

Product Disclosure Sheet- PPK Army

Download here

3) 3P Special Package (3PS)

Term	Description
Purpose	For 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
Tenure	Up to 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
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 TAHUN	2 TAHUN	3 TAHUN	4 TAHUN	5 TAHUN	6 TAHUN	7 TAHUN	8 TAHUN	9 TAHUN	10 TAHUN
10,000	872.08	455.42	316.53	247.08	205.42	177.64	157.80	142.92	131.34	122.08
15,000	1,308.13	683.13	474.79	370.63	308.13	266.46	236.70	214.38	197.01	183.13
20,000	1,744.17	910.83	633.06	494.17	410.83	355.28	315.60Q	285.83	262.69	244.17
25,000	2,180.21	1,138.54	791.32	617.71	513.54	444.10	394.49	357.29	328.36	305.21
30,000	2,616.25	1,366.25	949.58	741.25	616.25	532.92	473.39	428.75	394.03	366.25
35,000	3,052.29	1,593.96	1,107.85	864.79	718.96	621.74	552.29	500.21	459.70	427.29
40,000	3,488.33	1,821.67	1,266.11	988.33	821.67	710.56	631.19	571.67	525.37	488.33
45,000	3,924.38	2,049.38	1,424.38	1,111.88	924.38	799.38	710.09	643.13	591.04	549.38
50,000	4,360.42	2,277.08	1,582.64	1,235.42	1,027.08	888.19	788.99	714.58	656.71	610.42
55,000	4,796.46	2,504.79	1,740.90	1,358.96	1,129.79	977.01	867.89	786.04	722.38	671.46
60,000	5,232.50	2,732.50	1,899.17	1,482.50	1,232.50	1,065.83	946.79	857.50	788.06	732.50
65,000	5,668.54	2,960.21	2,057.43	1,606.04	1,335.21	1,154.65	1,025.68	928.96	853.73	793.54
70,000	6,104.58	3,187.92	2,215.69	1,729.58	1,437.92	1,243.47	1,104.58	1,000.42	919.40	854.58
75,000	6,540.63	3,415.63	2,373.96	1,853.13	1,540.63	1,332.29	1,183.48	1,071.88	985.07	915.63
80,000	6,976.67	3,643.33	2,532.22	1,976.67	1,643.33	1,421.11	1,262.38	1,143.33	1,050.74	976.67
85,000	7,412.71	3,871.04	2,690.49	2,100.21	1,746.04	1,509.93	1,341.28	1,214.79	1,116.41	1,037.71
90,000	7,848.75	4,098.75	2,848.75	2,223.75	1,848.75	1,598.75	1,420.18	1,286.25	1,182.08	1,098.75
95,000	8,284.79	4,326.46	3,007.01	2,347.29	1,951.46	1,687.57	1,499.08	1,357.71	1,247.75	1,159.79
100,000	8,720.83	4,554.17	3,165.28	2,470.83	2,054.17	1,776.39	1,577.98	1,429.17	1,313.43	1,220.83
105,000	9,156.88	4,781.88	3,323.54	2,594.38	2,156.88	1,865.21	1,656.88	1,500.63	1,379.10	1,281.88
110,000	9,592.92	5,009.58	3,481.81	2,717.92	2,259.58	1,954.03	1,735.77	1,572.08	1,444.77	1,342.92
115,000	10,028.96	5,237.29	3,640.07	2,841.46	2,362.29	2,042.85	1,814.67	1,643.54	1,510.44	1,403.96
120,000	10,465.00	5,465.00	3,798.33	2,965.00	2,465.00	2,131.67	1,893.57	1,715.00	1,576.11	1,465.00
125,000	10,901.04	5,692.71	3,956.60	3,088.54	2,567.71	2,220.49	1,972.47	1,786.46	1,641.78	1,526.04
130,000	11,337.08	5,920.42	4,114.86	3,212.08	2,670.42	2,309.31	2,051.37	1,857.92	1,707.45	1,587.08
135,000	11,773.13	6,148.13	4,273.13	3,335.63	2,773.13	2,398.13	2,130.27	1,929.38	1,773.13	1,648.13
140,000	12,209.17	6,375.83	4,431.39	3,459.17	2,875.83	2,486.94	2,209.17	2,000.83	1,838.80	1,709.17
145,000	12,645.21	6,603.54	4,589.65	3,582.71	2,978.54	2,575.76	2,288.07	2,072.29	1,904.47	1,770.21
150,000	13,081.25	6,831.25	4,747.92	3,706.25	3,081.25	2,664.58	2,366.96	2,143.75	1,970.14	1,831.25

* 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 TAHUN	2 TAHUN	3 TAHUN	4 TAHUN	5 TAHUN	6 TAHUN	7 TAHUN	8 TAHUN	9 TAHUN	10 TAHUN
10,000	867	450	311	242	200	173	153	139	127	118
20,000	1,735	900	622	483	400	345	306	277	255	237
30,000	2,602	1,349	933	725	601	518	460	146	382	355
40,000	3,470	1,799	1,244	966	801	691	613	555	510	474
50,000	4,337	2,249	1,554	1,208	1,001	864	766	693	637	592
60,000	5,204	2,699	1,865	1,450	1,201	1,036	919	832	764	711
70,000	6,072	3,149	2,176	1,691	1,401	1,209	1,072	970	892	829
80,000	6,939	3,599	2,487	1,933	1,602	1,382	1,225	1,109	1,019	948
90,000	7,807	4,048	2,798	2,174	1,802	1,554	1,379	1,248	1,147	1,066
100,000	8,674	4,498	3,109	2,416	2,002	1,727	1,532	1,386	1,274	1,185
110,000	9,541	4,948	3,420	2,658	2,202	1,900	1,685	1,525	1,401	1,303
120,000	10,409	5,398	3,731	2,899	2,402	2,072	1,838	1,664	1,529	1,422
130,000	11,276	5,848	4,041	3,141	2,602	2,245	1,991	1,802	1,656	1,540
140,000	12,143	6,297	4,352	3,382	2,803	2,418	2,145	1,941	1,784	1,659
150,000	13,011	6,747	4,663	3,624	3,003	2,591	2,298	2,080	1,911	1,777
160,000	13,878	7,197	4,974	3,866	3,203	2,763	2,451	2,218	2,038	1,896
170,000	14,746	7,647	5,285	4,107	3,403	2,936	2,604	2,357	2,166	2,014
180,000	15,613	8,097	5,596	4,349	3,603	3,109	2,757	2,495	2,293	2,133
190,000	16,480	8,546	5,907	4,590	3,804	3,281	2,911	2,634	2,421	2,251
200,000	17,348	8,996	6,218	4,832	4,004	3,454	3,064	2,773	2,548	2,370
210,000	18,215	9,446	6,528	5,074	4,204	3,627	3,217	2,911	2,676	2,488
220,000	19,083	9,896	6,839	5,315	4,404	3,800	3,370	3,050	2,803	2,607
230,000	19,950	10,346	7,150	5,557	4,604	3,972	3,523	3,189	2,930	2,725
240,000	20,817	10,796	7,461	5,798	4,805	4,145	3,676	3,327	3,058	2,844
250,000	21,685	11,245	7,772	6,040	5,005	4,318	3,830	3,466	3,185	2,962

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

Product Disclosure Sheet

Download here

4) PPK Cuepacs Debt Settlement

Term	Description
Purpose	For 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
Takaful	Optional
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 TAHUN	2 TAHUN	3 TAHUN	4 TAHUN	5 TAHUN	6 TAHUN	7 TAHUN	8 TAHUN	9 TAHUN	10 TAHUN
10,000	874.58	457.92	319.03	249.58	207.92	180.14	160.30	145.42	133.84	124.58
15,000	1,311.88	686.88	478.54	374.38	311.88	270.21	240.45	218.13	200.76	186.88
20,000	1,749.17	915.83	628.06	499.17	415.83	360.28	320.60	290.83	267.69	249.17
25,000	2,186.46	1,144.79	797.57	623.96	519.79	450.35	400.74	363.54	334.61	311.46
30,000	2,623.75	1,373.75	957.08	748.75	623.75	540.42	480.89	436.25	401.53	373.75
35,000	3,061.04	1,602.71	1,116.60	873.54	727.71	630.49	561.04	508.96	468.45	436.04
40,000	3,498.33	1,831.67	1,276.11	998.33	831.67	720.56	641.19	581.67	535.37	498.33
45,000	3,935.63	2,060.63	1,435.63	1,123.13	935.63	810.63	721.34	654.38	602.29	560.63
50,000	4,372.92	2,289.58	1,595.14	1,247.92	1,039.58	900.69	801.49	727.08	669.21	622.92
55,000	4,810.21	2,518.54	1,754.65	1,372.71	1,143.54	990.76	881.64	799.79	736.13	685.21
60,000	5,247.50	2,747.50	1,914.17	1,497.50	1,247.50	1,080.83	961.79	872.50	803.06	747.50
65,000	5,684.79	2,976.46	2,073.68	1,622.29	1,351.46	1,170.90	1,041.93	945.21	869.98	809.79
70,000	6,122.08	3,205.42	2,233.19	1,747.08	1,455.42	1,260.97	1,122.08	1,017.92	936.90	872.08
75,000	6,559.38	3,434.38	2,392.71	1,871.88	1,559.38	1,351.04	1,202.23	1,090.63	1,003.82	934.38
80,000	6,996.67	3,663.33	2,552.22	1,996.67	1,663.33	1,441.11	1,282.38	1,163.33	1,070.74	996.67
85,000	7,433.96	3,892.29	2,711.74	2,121.46	1,767.29	1,531.18	1,362.53	1,236.04	1,137.66	1,058.96
90,000	7,871.25	4,121.25	2,871.25	2,246.25	1,871.25	1,621.25	1,442.68	1,308.75	1,204.58	1,121.25
95,000	8,308.54	4,350.21	3,030.76	2,371.04	1,975.21	1,711.32	1,522.83	1,381.46	1,271.50	1,183.54
100,000	8,745.83	4,579.17	3,190.28	2,495.83	2,079.17	1,801.39	1,602.98	1,454.17	1,338.43	1,245.83
105,000	9,183.13	4,808.13	3,349.79	2,620.63	2,183.13	1,891.46	1,683.13	1,526.88	1,405.35	1,308.13
110,000	9,620.42	5,037.08	3,509.31	2,745.42	2,287.08	1,981.53	1,763.27	1,599.58	1,472.27	1,370.42
115,000	10,057.71	5,266.04	3,668.82	2,870.21	2,391.04	2,071.60	1,843.42	1,672.29	1,539.19	1,432.71
120,000	10,495.00	5,495.00	3,828.33	2,995.00	2,495.00	2,161.67	1,923.57	1,745.00	1,606.11	1,495.00
125,000	10,932.29	5,723.96	3,987.85	3,119.79	2,598.96	2,251.74	2,003.72	1,817.71	1,673.03	1,557.29
130,000	11,369.58	5,952.92	4,147.36	3,244.58	2,702.92	2,341.81	2,083.87	1,890.42	1,739.95	1,619.58
135,000	11,806.88	6,181.88	4,306.88	3,369.38	2,806.88	2,431.88	2,164.02	1,963.13	1,806.88	1,681.88
140,000	12,244.17	6,410.83	4,466.39	3,494.17	2,910.83	2,521.94	2,244.17	2,035.83	1,873.80	1,744.17
145,000	12,681.46	6,639.79	4,625.90	3,618.96	3,014.79	2,612.01	2,324.32	2,108.54	1,940.72	1,806.46
150,000	13,118.75	6,868.75	4,785.42	3,743.75	3,118.75	2,702.08	2,404.46	2,181.25	2,007.64	1,868.75

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

Product Disclosure Sheet

Download here

5) Modenas Motorcycle

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
Takaful	Optional
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 TAHUN	2 TAHUN	3 TAHUN	4 TAHUN	5 TAHUN	6 TAHUN	7 TAHUN	8 TAHUN	9 TAHUN	10 TAHUN
1,000	87.92	46.25	32.36	25.42	21.25	18.47	16.49	15.00	13.84	12.92
2,000	175.83	92.50	64.72	50.83	42.50	36.94	32.98	30.00	27.69	25.83
3,000	263.75	138.75	97.08	76.25	63.75	55.42	49.46	45.00	41.53	38.75
4,000	351.67	185.00	129.44	101.67	85.00	73.89	65.95	60.00	55.37	51.67
5,000	439.58	231.25	161.81	127.08	106.25	92.36	82.44	75.00	69.21	64.58
6,000	527.50	277.50	194.17	152.50	127.50	110.83	98.93	90.00	83.06	77.50
7,000	615.42	323.75	226.53	177.92	148.75	129.31	115.42	105.00	96.90	90.42
8,000	703.33	370.00	258.89	203.33	170.00	147.78	131.90	120.00	110.74	103.33
9,000	791.25	416.25	291.25	228.75	191.25	166.25	148.39	135.00	124.58	116.25
10,000	879.17	462.50	323.61	254.17	212.50	184.72	164.88	150.00	138.43	129.17

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

Product Disclosure Sheet

Download here

6) Umrah Ziarah

Term	Description
Purpose	Performing Umrah & Ziarah
Who Can Apply	All Federal / State Government / GLC & Selected Organization staff
Tenure	Minimum: 2 years Maximum: 3 years
Financing Amount	Minimum: 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
Takaful	Optional
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 TAHUN	2 TAHUN	3 TAHUN
5,000	437.42	229.08	159.64
6,000	524.90	274.90	191.57
7,000	612.38	320.72	223.49
8,000	699.87	366.53	255.42
9,000	787.35	412.35	287.35
10,000	874.83	458.17	319.28
11,000	962.32	503.98	351.21
12,000	1,049.80	549.80	383.13
13,000	1,137.28	595.62	415.06
14,000	1,224.77	641.43	446.99
15,000	1,312.25	687.25	478.92
16,000	1,399.73	733.07	510.84
17,000	1,487.22	778.88	542.77
18,000	1,574.70	824.70	574.70
19,000	1,662.18	870.52	606.63
20,000	1,749.67	916.33	638.56
21,000	1,837.15	962.15	670.48
22,000	1,924.63	1,007.97	702.41
23,000	2,012.12	1,053.78	734.34
24,000	2,099.60	1,099.60	766.27
25,000	2,187.08	1,145.42	798.19
26,000	2,274.57	1,191.23	830.12
27,000	2,362.05	1,237.05	862.05
28,000	2,449.53	1,282.87	893.98
29,000	2,537.02	1,328.68	925.91
30,000	2,624.50	1,374.50	957.83
31,000	2,711.98	1,420.32	989.76
32,000	2,799.47	1,466.13	1,021.69
33,000	2,886.95	1,511.95	1,053.62
34,000	2,974.43	1,557.77	1,085.54
35,000	3,061.92	1,603.58	1,117.47
36,000	3,149.40	1,649.40	1,149.40
37,000	3,236.88	1,695.22	1,181.33
38,000	3,324.37	1,741.03	1,213.26
39,000	3,411.85	1,786.85	1,245.18
40,000	3,499.33	1,832.67	1,277.11
41,000	3,586.82	1,878.48	1,309.04
42,000	3,674.30	1,924.30	1,340.97
43,000	3,761.78	1,970.12	1,372.89
44,000	3,849.27	2,015.93	1,404.82
45,000	3,936.75	2,061.75	1,436.75
46,000	4,024.23	2,107.57	1,468.68
47,000	4,111.72	2,153.38	1,500.61
48,000	4,199.20	2,199.20	1,532.53
49,000	4,286.68	2,245.02	1,564.46
50,000	4,374.17	2,290.83	1,596.39

* 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 TAHUN	2 TAHUN	3 TAHUN
5,000	436.88	228.54	159.10
6,000	524.25	274.25	190.92
7,000	611.63	319.96	222.74
8,000	699.00	365.67	254.56
9,000	786.38	411.38	286.38
10,000	873.75	457.08	318.19
11,000	961.13	502.79	350.01
12,000	1,048.50	548.50	381.83
13,000	1,135.88	594.21	413.65
14,000	1,223.25	639.92	445.47
15,000	1,310.63	685.63	477.29
16,000	1,398.00	731.33	509.11
17,000	1,485.38	777.04	540.93
18,000	1,572.75	822.75	572.75
19,000	1,660.13	868.46	604.57
20,000	1,747.50	914.17	636.39
21,000	1,834.88	959.88	668.21
22,000	1,922.25	1,005.58	700.03
23,000	2,009.63	1,051.29	731.85
24,000	2,097.00	1,097.00	763.67
25,000	2,184.38	1,142.71	795.49
26,000	2,271.75	1,188.42	827.31
27,000	2,359.13	1,234.13	859.13
28,000	2,446.50	1,279.83	890.94
29,000	2,533.88	1,325.54	922.76
30,000	2,621.25	1,371.25	954.58
31,000	2,708.63	1,416.96	986.40
32,000	2,796.00	1,462.67	1,018.22
33,000	2,883.38	1,508.38	1,050.04
34,000	2,970.75	1,554.08	1,081.86
35,000	3,058.13	1,599.79	1,113.68
36,000	3,145.50	1,645.50	1,145.50
37,000	3,232.88	1,691.21	1,177.32
38,000	3,320.25	1,736.92	1,209.14
39,000	3,407.63	1,782.63	1,240.96
40,000	3,495.00	1,828.33	1,272.78
41,000	3,582.38	1,874.04	1,304.60
42,000	3,669.75	1,919.75	1,336.42
43,000	3,757.13	1,965.46	1,368.24
44,000	3,844.50	2,011.17	1,400.06
45,000	3,931.88	2,056.88	1,431.88
46,000	4,019.25	2,102.58	1,463.69
47,000	4,106.63	2,148.29	1,495.51
48,000	4,194.00	2,194.00	1,527.33
49,000	4,281.38	2,239.71	1,559.15
50,000	4,368.75	2,285.42	1,590.97

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

Product Disclosure Sheet

Download here

7) Education

Term	Description
Purpose	Parents 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
Takaful	Optional
Documents Required	Copy of NRIC or ID (front and back) Latest 3 months original slip Employment Confirmation Letter University / College Offer Letter
Applicants Eligibility	Repayment Capacity - Determine by NDI & DSR Employment - Government:- Confirmed Staff - Non Government:- Permanent and Confirmed staff with minimum 3 years in service

Product Disclosure Sheet

Download here

8) Membership

Term	Description
Purpose	Purchase 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
Takaful	Optional
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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9) Corporate Package

Term	Description
Purpose	Cash 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
Takaful	Optional
Documents Required	Copy of NRIC or ID (front and back) Latest 1 month salary slip Employment Confirmation Letter (applicable for Staff of Selected organization) Latest Utility Bill (applicable for Staff of Selected organization)
Applicants Eligibility	Repayment Capacity - Determine by NDI & DSR Employment - Non Government:- Permanent and Confirmed staff with minimum 3 years in service (applicable for staff of selected organization) - Min Gross Income:- RM 2,000.00 (applicable for staff of selected organization)

Product Disclosure Sheet

Download here

Term	Description
Concept	Tawarruq
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 price	Fixed and Known Upfront
Takaful Protection	Optional
Choices Mode of Payment	Salary Deduction / Salary Transfer / Standing Instruction
Wasiat/Will Writing	Highly encouraged
Structure of Product	Muamalat 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.

1) Cash-i Muamalat Prestige (Mass Affluent)

Term

Description

Purpose

For Personal Use – Cash Consumption, debt consolidation, education, medical etc.

Eligibility

Individual with a minimum monthly income of RM 10,000 or annual income of RM120,000
Age 18 and above.
Malaysian citizen
Financing up 60 years old. (for Medical Practitioners up to 70 years old).
Selected employers from the following sectors:-

Oil and Gas
Financial Service Providers (Banking, Insurance and Takaful)
Healthcare

Mode of Payment

Salary deduction at source
Salary Transfer to Bank Muamalat
Standing Instruction.

Required Documents

Salary Earner

MyKad
Latest 3 months payslips.
Latest 3 months Bank statement showing salary crediting
Employment Confirmation Letter (ECL)
Any other income supporting document (EA or EPF)
Undertaking letter to transfer salary or salary deduction or
Clause to transfer or salary deduction in Employment Confirmation Letter (ECL).

Self Employed

MyKad
Business registration.
Last 6 months or 12 months current account statement and;
Latest financial statement or;
Income tax declaration.

Professional Certificate

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

2) Cash-i Muamalat (Government, GLCs, GLICs & Employers under Empanelment Program)

Term

Description

Purpose

For 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

3) Cash-i Muamalat Pro (Professional Programme)

Term

Description

Purpose

For 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:-

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

Terms & Conditions Personal Financing-i

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

Muamalat Cash-i Master Instalment Table

Personal Financing-i (Flyers-BM) Floating

Personal Financing-i (Flyers-ENG) Floating

Personal Financing-i Fixed Rate

The Professionals Programme

Consolidate Balance c.card

Product Disclosure Sheet

Product Disclosure Sheet- Civilian

Product Disclosure Sheet- PPK Army

Product Disclosure Sheet

Product Disclosure Sheet

Product Disclosure Sheet

Product Disclosure Sheet

Product Disclosure Sheet

Product Disclosure Sheet

Product Disclosure Sheet

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