Bank Muamalat Malaysia Berhad » Personal Financing-i

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	874.56	456.89	318.04	248.90	207.63	180.31	160.94	146.55	135.48	126.73
15,000	1,311.84	685.34	477.07	373.35	311.45	270.46	241.41	219.83	203.22	190.09
20,000	1,749.12	913.79	636.09	497.80	415.26	360.61	321.88	293.11	270.96	253.46
25,000	2,186.40	1,142.23	795.11	622.24	519.08	450.76	402.35	366.71	338.71	316.82
30,000	2,623.68	1,370.68	954.13	746.69	622.90	540.92	482.82	439.66	406.45	380.19
35,000	3,060.96	1,599.13	1,113.15	871.14	726.71	631.07	563.30	512.94	474.19	443.55
40,000	3,498.24	1,827.57	1,272.18	995.59	830.53	721.22	643.77	586.22	541.93	506.92
45,000	3,935.53	2,056.02	1,431.20	1,120.04	934.34	811.37	724.24	659.49	609.67	570.28
50,000	4,372.81	2,284.47	1,590.22	1,244.49	1,038.16	901.53	804.71	732.77	677.41	633.65
55,000	4,810.09	2,512.91	1,749.24	1,368.94	1,141.98	991.68	885.18	806.05	745.15	697.01
60,000	5,247.37	2,741.36	1,908.26	1,493.39	1,245.79	1,081.83	965.65	879.32	812.89	760.38
65,000	5,684.65	2,969.81	2,067.29	1,617.84	1,349.61	1,171.98	1,046.12	952.60	880.63	823.74
70,000	6,121.93	3,198.25	2,226.31	1,742.29	1,453.42	1,262.14	1,126.59	1025.88	948.37	887.11
75,000	6,559.21	3,426.70	2,385.33	1,866.73	1,557.24	1,352.29	1,207.06	1099.15	1016.12	950.47
80,000	6,996.49	3,655.15	2,544.35	1,991.18	1,661.06	1,442.44	1,287.53	1172.43	1083.86	1013.84
85,000	7,433.77	3,883.59	2,703.37	2,115.63	1,764.87	1,532.59	1,368.00	1245.71	1151.60	1077.20
90,000	7,871.05	4,112.04	2,862.39	2,240.08	1,868.69	1,622.75	1,448.47	1318.99	1219.34	1140.57
95,000	8,308.33	4,340.49	3,021.42	2,364.53	1,972.50	1,712.90	1,528.94	1392.26	1287.08	1203.93
100,000	8,745.61	4,568.93	3,180.44	2,488.98	2,076.32	1,803.05	1,609.42	1465.54	1354.82	1267.30
105,000	9,182.89	4,797.38	3,339.46	2,613.43	2,180.14	1,893.20	1,689.89	1538.82	1422.56	1330.66
110,000	9,620.17	5,025.83	3,498.48	2,737.88	2,283.95	1,983.36	1,770.36	1612.09	1490.30	1394.03
115,000	10,057.45	5,254.27	3,657.50	2,862.33	2,387.77	2,073.51	1,850.83	1685.37	1558.04	1457.39
120,000	10,494.73	5,482.72	3,816.53	2,986.77	2,491.59	2,163.66	1,931.30	1758.65	1625.79	1520.76
125,000	10,932.01	5,711.17	3,975.55	3,111.22	2,595.40	2,253.81	2,011.77	1831.92	1693.53	1584.12
130,000	1,369.29	5,939.61	4,134.57	3,235.67	2,699.22	2,343.97	2,092.24	1905.20	1761.27	1647.49
135,000	11,806.58	6,168.06	4,293.59	3,360.12	2,803.03	2,434.12	2,172.71	1978.48	1829.01	1710.85
140,000	12,243.86	6,396.51	4,452.61	3,484.57	2,906.85	2,524.27	2,253.18	2051.75	1896.75	1774.22
145,000	12,681.14	6,624.95	4,611.64	3,609.02	3,010.67	2,614.42	2,333.65	2125.03	1964.49	1837.58
150,000	13,118.42	6,853.40	4,770.66	3,733.47	3,114.48	2,704.58	2,414.12	2198.31	2032.23	1900.95

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

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

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

JUMLAH PEMBIYAAN (RM)	1 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	381.25	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	868.98	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	2,493.75	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	3,081.25	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.

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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 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	873.87	456.21	317.35	248.19	206.90	179.56	160.18	145.78	134.69	125.92
15,000	1,310.80	684.31	476.02	372.28	310.36	269.34	240.27	218.67	202.03	188.88
20,000	1,747.73	912.41	634.69	496.37	413.81	359.12	320.36	291.55	269.38	251.84
25,000	2,184.66	1,140.51	793.37	620.47	517.26	448.90	400.45	364.44	336.72	314.80
30,000	2,621.60	1,368.62	952.04	744.56	620.71	538.68	480.54	437.33	404.06	377.76
35,000	3,058.53	1,596.72	1,110.71	868.65	724.17	628.46	560.63	510.22	471.41	440.72
40,000	3,495.46	1,824.82	1,269.38	992.74	827.62	718.25	640.72	583.11	538.75	503.68
45,000	3,932.40	2,052.92	1,428.06	1,116.84	931.07	808.03	720.82	656.00	606.10	566.64
50,000	4,369.33	2,281.03	1,586.73	1,240.93	1,034.52	897.81	800.91	728.88	673.44	629.60
55,000	4,806.26	2,509.13	1,745.40	1,365.02	1,137.98	987.59	881.00	801.77	740.79	692.56
60,000	5,243.19	2,737.23	1,904.08	1,489.12	1,241.43	1,077.37	961.09	874.66	808.13	755.52
65,000	5,680.13	2,965.33	2,062.75	1,613.21	1,344.88	1,167.15	1,041.18	947.55	875.47	818.48
70,000	6,117.06	3,193.44	2,221.42	1,737.30	1,448.33	1,256.93	1,121.27	1,020.44	942.82	881.44
75,000	6,553.99	3,421.54	2,380.10	1,861.40	1,551.79	1,346.71	1,201.36	1,093.33	1,010.16	944.40
80,000	6,990.93	3,649.64	2,538.77	1,985.49	1,655.24	1,436.49	1,281.45	1,166.21	1,077.51	1,007.35
85,000	7,427.86	3,877.75	2,697.44	2,109.58	1,758.69	1,526.27	1,361.54	1,239.10	1,144.85	1,070.31
90,000	7,864.79	4,105.85	2,856.12	2,233.68	1,862.14	1,616.05	1,441.63	1,311.99	1,212.19	1,133.27
95,000	8,301.72	4,333.95	3,014.79	2,357.77	1,965.60	1,705.83	1,521.72	1,384.88	1,279.54	1,196.23
100,000	8,738.66	4,562.05	3,173.46	2,481.86	2,069.05	1,795.61	1,601.81	1,457.77	1,346.88	1,259.19
105,000	9,175.59	4,790.16	3,332.13	2,605.95	2,172.50	1,885.39	1,681.90	1,530.66	1,414.23	1,322.15
110,000	9,612.52	5,018.26	3,490.81	2,730.05	2,275.95	1,975.17	1,761.99	1,603.54	1,481.57	1,385.11
115,000	10,049.46	5,246.36	3,649.48	2,854.14	2,379.40	2,064.96	1,842.08	1,676.43	1,548.91	1,448.07
120,000	10,486.39	5,474.46	3,808.15	2,978.23	2,482.86	2,154.74	1,922.17	1,749.32	1,616.26	1,511.03
125,000	10,923.32	5,702.57	3,966.83	3,102.33	2,586.31	2,244.52	2,002.26	1,822.21	1,683.60	1,573.99
130,000	11,360.25	5,930.67	4,125.50	3,226.42	2,689.76	2,334.30	2,082.36	1,895.10	1,750.95	1,636.95
135,000	77,797.19	6,158.77	4,284.17	3,350.51	2,793.21	2,424.08	2,162.45	1,967.99	1,818.29	1,699.91
140,000	12,234.12	6,386.87	4,442.85	3,474.61	2,896.67	2,513.86	2,242.54	2,040.88	1,885.63	1,762.87
145,000	12,671.05	6,614.98	4,601.52	3,598.70	3,000.12	2,603.64	2,322.63	2,133.76	1,952.98	1,825.83
150,000	13,107.99	6,843.08	4,760.19	3,722.79	3,103.57	2,693.42	2,402.72	2,186.65	2,020.32	1,888.79

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

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

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

JUMLAH PEMBIAYAAN (RM)	1 TAHUN	2 TAHUN	3 TAHUN	4 TAHUN	5 TAHUN	6 TAHUN	7 TAHUN	8 TAHUN	9 TAHUN	10 TAHUN
10,000	873.40	455.75	316.88	247.71	206.42	179.07	159.68	145.26	134.16	125.38
15,000	1,310.10	683.62	475.32	371.57	309.63	268.60	239.51	217.89	201.24	188.07
20,000	1,746.80	911.49	633.76	495.42	412.84	358.13	319.35	290.52	268.32	250.76
25,000	2,183.51	1,139.37	792.20	619.28	516.05	447.67	399.19	363.15	335.40	313.45
30,000	2,620.21	1,367.24	950.64	743.14	619.26	537.20	479.03	435.78	402.48	376.14Q
35,000	3,056.91	1,595.11	1,109.09	866.99	722.47	626.73	558.86	508.41	469.56	438.83
40,000	3,493.61	1,822.99	1,267.53	990.85	825.68	716.27	638.70	581.04	536.64	501.52
45,000	3,930.31	2,050.86	1,425.97	1,114.71	928.89	805.80	718.54	653.67	603.72	564.21
50,000	4,367.01	2,278.74	1,584.41	1,238.56	1,032.10	895.33	798.38	726.30	670.80	626.90
55,000	4,803.71	2,506.61	1,742.85	1,362.42	1,135.31	984.87	878.21	798.93	737.88	689.59
60,000	5,240.41	2,734.48	1,901.29	1,486.27	1,238.52	1,074.40	958.05	871.56	804.96	752.28
65,000	5,677.11	2,962.36	2,059.73	1,610.13	1,341.73	1,163.93	1,037.89	944.19	872.04	814.97
70,000	6,113.82	3,190.23	2,218.17	1,733.99	1,444.94	1,253.47	1,117.73	1,016.82	939.12	877.66
75,000	6,550.52	3,418.10	2,376.61	1,857.84	1,548.16	1,343.00	1,197.57	1,089.45	1,006.20	940.35
80,000	6,987.22	3,645.98	2,535.05	1,981.70	1,651.37	1,432.53	1,277.40	1,162.08	1,073.28	1,003.04
85,000	7,423.92	3,873.85	2,693.49	2,105.56	1,754.58	1,522.07	1,357.24	1,234.71	1,140.36	1,065.73
90,000	7,860.62	4,101.72	2,851.93	2,229.41	1,857.79	1,611.60	1,437.08	1,307.34	1,207.44	1,128.43
95,000	8,297.32	4,329.60	3,010.37	2,353.27	1,961.00	1,701.13	1,516.92	1,379.97	1,274.52	1,191.12
100,000	8,734.02	4,557.47	3,168.82	2,477.12	2,064.21	1,790.67	1,596.75	1,452.60	1,341.60	1,253.81
105,000	9,170.72	4,785.34	3,327.26	2,600.98	2,167.42	1,880.20	1,676.59	1,525.23	1,408.68	1,316.50
110,000	9,607.42	5,013.22	3,485.70	2,724.84	2,270.63	1,969.73	1,756.43	1,597.86	1,475.76	1,379.19
115,000	10,044.13	5,241.09	3,644.14	2,848.69	2,373.84	2,059.27	1,836.27	1,670.49	1,542.84	1,441.88
120,000	10,480.83	5,468.96	3,802.58	2,972.55	2,477.05	2,148.80	1,916.11	1,743.12	1,609.92	1,504.57
125,000	10,917.53	5,696.84	3,961.02	3,096.40	2,580.26	2,238.33	1,995.94	1,815.75	1,677.00	1,567.26
130,000	11,354.23	5,924.71	4,119.46	3,220.26	2,683.47	2,327.86	2,075.78	1,888.38	1,744.09	1,629.95
135,000	11,790.93	6,152.59	4,277.90	3,344.12	2,786.68	2,417.40	2,155.62	1,961.01	1,811.17	1,692.64
140,000	12,227.63	6,380.46	4,436.34	3,497.97	2,889.89	2,506.93	2,235.46	2,033.64	1,878.25	1,755.33
145,000	12,664.33	6,608.33	4,594.78	3,591.83	2,993.10	2,596.46	2,315.29	2,106.27	1,945.33	1,818.02
150,000	13,101.03	6,836.21	4,753.22	3,715.69	3,096.31	2,686.00	2,395.13	2,178.90	2,012.41	1,880.71

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

Product Disclosure Sheet- Civilian

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Product Disclosure Sheet- PPK Army

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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	872.01	454.37	315.49	246.29	204.97	177.59	158.16	143.72	132.58	123.77
15,000	1,308.02	681.56	473.24	369.44	307.46	266.38	237.25	215.57	198.88	185.66
20,000	1,744.03	908.75	630.98	492.59	409.95	355.17	316.33	287.43	287.43	247.54
25,000	2,180.03	1,135.93	788.73	615.74	512.43	443.97	395.41	359.29	331.46	309.43
30,000	2,616.04	1,363.12	946.47	738.88	614.92	532.76	474.49	431.15	397.75	371.32
35,000	3,052.04	1,590.31	1,104.22	862.03	717.40	621.55	553.57	503.01	464.04	433.20
40,000	3,488.05	1,817.50	1,261.96	985.18	819.89	710.35	632.66	574.86	530.34	495.09
45,000	3,924.06	2,044.68	1,419.71	1,108.32	922.38	799.14	711.74	646.72	596.63	556.97
50,000	4,360.06	2,271.87	1,577.45	1,231.47	1,024.86	887.93	790.82	718.58	662.92	618.86
55,000	4,796.07	2,499.06	1,735.20	1,354.62	1,127.35	976.73	869.90	790.44	729.21	680.75
60,000	5,232.08	2,726.24	1,892.94	1,477.77	1,229.84	1,065.52	948.98	862.30	795.50	742.63
65,000	5,668.08	2,953.43	2,050.69	1,600.91	1,332.32	1,154.32	1,028.06	934.15	861.80	804.52
70,000	6,104.09	3,180.62	2,208.43	1,724.06	1,434.81	1,243.11	1,107.15	1,006.01	928.09	866.40
75,000	6,540.09	3,407.80	2,366.18	1,847.21	1,537.29	1,331.90	1,186.23	1,077.87	994.38	928.29
80,000	6,976.10	3,634.99	2,523.92	1,970.35	1,639.78	1,420.70	1,265.31	1,149.73	1,060.67	990.17
85,000	7,412.11	3,862.18	2,681.67	2,093.50	1,742.27	1,509.49	1,344.39	1,221.59	1,126.96	1,052.06
90,000	7,848.11	4,089.36	2,839.41	2,216.65	1,844.75	1,598.28	1,423.47	1,293.44	1,193.26	1,113.95
95,000	8,284.12	4,316.55	2,997.16	2,339.80	1,947.24	1,687.08	1,502.56	1,365.30	1,259.55	1,175.83
100,000	8,720.13	4,543.74	3,154.90	2,462.94	2,049.73	1,775.87	1,581.64	1,437.16	1,325.84	1,237.72
105,000	9,156.13	4,770.92	3,312.65	2,586.09	2,152.21	1,864.66	1,660.72	1,509.02	1,392.13	1,299.60
110,000	9,592.14	4,998.11	3,470.39	2,709.24	2,254.70	1,953.46	1,739.80	1,580.88	1,458.42	1,361.49
115,000	10,028.15	5,225.30	3,628.14	2,832.38	2,357.18	2,042.25	1,818.88	1,652.73	1,524.72	1,423.38
120,000	10,464.15	5,452.49	3,785.88	2,955.53	2,459.67	2,131.04	1,897.97	1,724.59	1,591.01	1,485.26
125,000	10,900.16	5,679.67	3,943.63	3,078.68	2,562.16	2,219.84	1,977.05	1,796.45	1,657.30	1,547.15
130,000	11,336.16	5,906.86	4,101.37	3,201.82	2,664.64	2,308.63	2,056.13	1,868.31	1,723.59	1,609.03
135,000	11,772.17	6,134.05	4,259.12	3,324.97	2,767.13	2,397.42	2,135.21	1,940.17	1,789.88	1,670.92
140,000	12,208.18	6,361.23	4,416.86	3,448.12	2,869.62	2,486.22	2,214.29	2,012.02	1,856.18	1,732.81
145,000	12,644.18	6,588.42	4,574.61	3,571.27	2,972.10	2,575.01	2,293.37	2,083.88	1,922.47	1,794.69
150,000	13,080.19	6,815.61	4,732.35	3,694.41	3,074.59	2,663.80	2,372.46	2,155.74	1,988.76	1,856.58

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

Product Disclosure Sheet

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Interested, please Click below button "APPLY NOW".

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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.

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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

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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: 5 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

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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

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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

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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

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