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	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	872 tbb	455	316	247	205	178	158	144	133	124
15,000	1,308	682	474	370	308	267	238	216	199	186
20,000	1,744	909	631	493	410	356	317	288	266	248
25,000	2,181	1,137	789	616	513	445	396	360	332	310
30,000	2,617	1,364	947	740	616	533	475	432	399	372
35,000	3,053	1,591	1,105	863	718	622	554	504	465	434
40,000	3,489	1,818	1,263	986	821	711	634	576	531	496
45,000	3,925	2,046	1,421	1,109	923	800	713	648	598	558
50,000	4,361	2,273	1,579	1,233	1,026	889	792	720	664	620
55,000	4,797	2,500	1,736	1,356	1,129	978	871	792	731	682
60,000	5,233	2,728	1,894	1,479	1,231	1,067	950	864	797	744
65,000	5,670	2,955	2,052	1,602	1,334	1,156	1,030	936	863	806
70,000	6,106	3,182	2,210	1,726	1,436	1,245	1,109	1,008	930	868
75,000	6,542	3,410	2,368	1,849	1,539	1,334	1,188	1,080	996	930
80,000	6,978	3,637	2,526	1,972	1,642	1,423	1,267	1,152	1,063	992
85,000	7,414	3,864	2,684	2,096	1,744	1,512	1,347	1,224	1,129	1,054
90,000	7,850	4,091	2,841	2,219	1,847	1,600	1,426	1,296	1,196	1,116
95,000	8,286	4,319	2,999	2,342	1,950	1,689	1,505	1,368	1,262	1,178
100,000	8,722	4,546	3,157	2,465	2,052	1,778	1,584	1,440	1,328	1,240
105,000	9,159	4,773	3,315	2,589	2,155	1,867	1,663	1,512	1,395	1,302
110,000	9,595	5,001	3,473	2,712	2,257	1,956	1,743	1,584	1,461	1,364
115,000	10,031	5,228	3,631	2,835	2,360	2,045	1,822	1,656	1,528	1,426
120,000	10,467	5,455	3,789	2,958	2,463	2,134	1,901	1,728	1,594	1,488
125,000	10,903	5,683	3,947	3,082	2,565	2,223	1,980	1,800	1,661	1,550
130,000	11,339	5,910	4,104	3,205	2,668	2,312	2,059	1,872	1,727	1,613
135,000	11,775	6,137	4,262	3,328	2,770	2,401	2,139	1,944	1,793	1,675
140,000	12,211	6,364	4,420	3,451	2,873	2,490	2,218	2,016	1,860	1,737
145,000	12,648	6,592	4,578	3,575	2,976	2,579	2,297	2,088	1,926	1,799
150,000	13,084	6,819	4,736	3,698	3,078	2,667	2,376	2,160	1,993	1,861

* 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	872	454	315	246	204	177	158	143	132	123
12,000	1,046	545	378	295	245	213	189	172	158	148
14,000	1,220	635	441	344	286	248	221	200	185	173
16,000	1,394	726	504	393	327	283	252	229	211	197
18,000	1,569	817	567	442	368	319	284	258	238	222
20,000	1,743	908	630	492	409	354	315	286	264	246
22,000	1,917	999	693	541	450	390	347	315	291	271
24,000	2,092	1,089	756	590	491	425	378	344	317	296
26,000	2,266	1,180	819	639	532	460	410	372	343	320
28,000	2,440	1,271	882	688	573	496	441	401	370	345
30,000	2,615	1,362	945	737	613	531	473	430	396	370
32,000	2,789	1,453	1,008	787	654	567	505	458	423	394
34,000	2,963	1,543	1,071	836	695	602	536	487	449	419
36,000	3,138	1,634	1,134	885	736	638	568	516	475	444
38,000	3,312	1,725	1,197	934	777	673	599	544	502	468
40,000	3,486	1,816	1,260	983	818	708	631	573	528	493
42,000	3,661	1,906	1,323	1,032	859	744	662	601	555	518
44,000	3,835	1,997	1,386	1,082	900	779	694	630	581	542
46,000	4,009	2,088	1,449	1,131	941	815	725	659	607	567
48,000	4,183	2,179	1,512	1,180	982	850	757	687	634	592
50,000	4,358	2,270	1,575	1,229	1,022	885	788	716	660	616
52,000	4,532	2,360	1,638	1,278	1,063	921	820	745	687	641
54,000	4,706	2,451	1,701	1,327	1,104	956	851	773	713	665
56,000	4,881	2,542	1,764	1,377	1,145	992	883	802	740	690
58,000	5,055	2,633	1,827	1,426	1,186	1,027	914	831	766	715
60,000	5,229	2,723	1,890	1,475	1,227	1,063	946	859	792	739
62,000	5,404	2,814	1,953	1,524	1,268	1,098	978	888	819	764
64,000	5,578	2,905	2,016	1,573	1,309	1,133	1,009	917	845	789
66,000	5,752	2,996	2,079	1,622	1,350	1,169	1,041	945	872	813
68,000	5,927	3,087	2,142	1,672	1,391	1,204	1,072	974	898	838
70,000	6,101	3,177	2,205	1,721	1,431	1,240	1,104	1,002	924	863
72,000	6,275	3,268	2,268	1,770	1,472	1,275	1,135	1,031	951	887
74,000	6,449	3,359	2,331	1,819	1,513	1,311	1,167	1,060	977	912
76,000	6,624	3,450	2,394	1,868	1,554	1,346	1,198	1,088	1,004	937
78,000	6,798	3,541	2,457	1,917	1,595	1,381	1,230	1,117	1,030	961
80,000	6,972	3,631	2,520	1,967	1,636	1,417	1,261	1,146	1,056	986

* 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	870	452	313	244	203	175	156	141	130	121
15,000	1,305	678	470	366	304	263	233	212	195	182
20,000	1,739	904	626	488	405	350	311	282	260	242
25,000	2,174	1,130	783	610	506	438	389	353	325	303
30,000	2,609	1,356	940	732	608	525	467	423	390	363
35,000	3,044	1,582	1,096	854	709	613	545	494	455	424
40,000	3,479	1,808	1,253	976	810	701	623	565	520	484
45,000	3,914	2,034	1,409	1,098	912	788	700	635	585	545
50,000	4,348	2,260	1,566	1,220	1,013	876	778	706	650	606
55,000	4,783	2,486	1,722	1,342	1,114	963	856	776	715	666
60,000	5,218	2,713	1,879	1,464	1,215	1,051	934	847	780	727
65,000	5,653	2,939	2,036	1,586	1,317	1,138	1,012	918	845	787
70,000	6,088	3,165	2,192	1,708	1,418	1,226	1,090	988	910	848
75,000	6,523	3,391	2,349	1,830	1,519	1,314	1,167	1,059	975	908
80,000	6,958	3,617	2,505	1,952	1,621	1,401	1,245	1,129	1,040	969
85,000	7,392	3,843	2,662	2,074	1,722	1,489	1,323	1,200	1,105	1,029
90,000	7,827	4,069	2,819	2,195	1,823	1,576	1,401	1,270	1,170	1,090
95,000	8,262	4,295	2,975	2,317	1,924	1,664	1,479	1,341	1,235	1,151
100,000	8,697	4,521	3,132	2,439	2,026	1,751	1,557	1,412	1,300	1,211
105,000	9,132	4,747	3,288	2,561	2,127	1,839	1,634	1,482	1,365	1,272
110,000	9,567	4,973	3,445	2,683	2,228	1,927	1,712	1,553	1,430	1,332
115,000	10,002	5,199	3,602	2,805	2,330	2,014	1,790	1,623	1,495	1,393
120,000	10,436	5,425	3,758	2,927	2,431	2,102	1,868	1,694	1,560	1,453
125,000	10,871	5,651	3,915	3,049	2,532	2,189	1,946	1,765	1,625	1,514
130,000	11,306	5,877	4,071	3,171	2,633	2,277	2,024	1,835	1,690	1,575
135,000	11,741	6,103	4,228	3,293	2,735	2,364	2,101	1,906	1,755	1,635
140,000	12,176	6,329	4,385	3,415	2,836	2,452	2,179	1,976	1,820	1,696
145,000	12,611	6,555	4,541	3,537	2,937	2,539	2,257	2,047	1,885	1,756
150,000	13,045	6,781	4,698	3,659	3,039	2,627	2,335	2,117	1,950	1,817

* 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

Download here

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

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

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

Medical Practitioners: Certificate of Registration with Malaysia Medical Council or Malaysian
Dental Council (Form 12 & 15)
Accountants: MACPA, ACCA, CIMA, CFA
Engineers: Ir, Degree in engineering discipline or any equivalent engineering accreditation
Pilots: ATPL, MAPA
Lecturers: Master / Post Degree

Financing Amount

Minimum RM10,000
Maximum RM 250,000

Financing Tenure

Minimum 2 years - Maximum 10 years
Rate based on tenure applied
I. 2 - 4 years
II. 5 – 10 years

Floating Rate
Salary Transfer or Salary Deduction

Tenure	Salary Transfer/Deduction	Without Takaful
2-4 years	(BR+2.18%) @5.49% 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	3.90%	4.90%
5-10 years	4.20%	5.20%

*additional 1.00% on rates for financing without takaful

Fixed Rate
Standing Instruction

Tenure	Salary Transfer/Deduction	Without Takaful
2-4 years	4.20%	5.20%
5-10 years	4.50%	5.50%

*additional 1.00% on rates for financing without takaful

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

Contract Government Servant

More than 5 years of working experience
Minimum income of RM5,000 including fixed allowance

Employers under Empanelment Program

Minimum Income (salary + fixed allowance) of RM5,000 and above
Confirmed position or is permanent staff
Minimum 3 years of service at Panel Company
Employment on contractual basis can be considered for managerial level
Staff employed under package Employer Empanelment program

Mode of Payment

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

Required Documents

Mykad
Latest 3 months payslips
Latest 3 months Bank statement showing salary crediting
Employment Confirmation Letter (ECL) or HRMIS printed at branch
(only applicable for government servant)
Any other income supporting document (if required - EA, EPF)
Undertaking letter to transfer salary or salary deduction or
Clause to transfer or salary deduction in Employment Confirmation Letter (ECL)

Financing Amount

Minimum RM10,000
Maximum RM200,000

Financing Tenure

Minimum 2 years - Maximum 10 years
Rate based on tenure applied
I. 2 - 4 years
II. 5 – 10 years

Floating Rate
Salary Transfer or Salary Deduction

Tenure	Salary Transfer/Deduction	Without Takaful
2-4 years	(BR+2.34%) @5.65% 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	4.10%	5.10%
5-10 years	4.30%	5.30%

*additional 1.00% on rates for financing without takaful

Fixed Rate
Standing Instruction

Tenure	Salary Transfer/Deduction	Without Takaful
2-4 years	4.70%	5.70%
5-10 years	4.99%	5.99%

*additional 1.00% on rates for financing without takaful

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
- Medical Practitioners (Doctors & Dentists)
- Accountants
- Lecturers
- Pilots
- Engineers & Architects
Professional firms/Self-employed:
- At least 5 years of establishment (Kindly refer to the date registration or incorporation)
- Medical Practitioners (i.e. clinics) at least 1 year of establishment
- Registered with the relevant professional bodies
- Having established positive banking relationship with the Bank and/or other financial
institution

Mode of Payment

Salary deduction at source
Salary Transfer/Company - Business account transfer/open to Bank Muamalat
Standing Instruction

Required Documents

For Government Servants

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

Self Employed

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

Professional Certificate

Medical Practitioners: Certificate of Registration with Malaysia Medical Council or Malaysian
Dental Council (Form 12 & 15)
Accountants: MACPA,ACCA,CIMA,CFA.
Engineers: IR, Degree in engineering discipline or any equivalent engineering accreditation
Pilots: ATPL, MAPA
Lecturers: Master / Post Degree

Financing Amount

Minimum RM10,000
Maximum RM200,000

Financing Tenure

Minimum 2 years - Maximum 10 years
Rate based on tenure applied
I. 2 - 4 years
II. 5 – 10 years

Floating Rate
Salary Transfer or Salary Deduction

Tenure	Salary Transfer/Deduction	Without Takaful
2-4 years	(BR+2.29%) @5.60% 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	4.05%	5.05%
5-10 years	4.20%	5.20%

*additional 1.00% on rates for financing without takaful

Fixed Rate
Standing Instruction

Tenure	Salary Transfer/Deduction	Without Takaful
2-4 years	4.60%	5.60%
5-10 years	4.90%	5.90%

*additional 1.00% on rates for financing without takaful

Terms & Conditions Personal Financing-i

Product Disclosure Sheet Personal Financing-i Programme (Tawarruq)

Muamalat Cash-i Master Instalment Table

Personal Financing-i (Flyers-BM)

Personal Financing-i (Flyers-ENG)

Product Disclosure Sheet

Product Disclosure Sheet- Civilian

Product Disclosure Sheet- PPK Army

Product Disclosure Sheet

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Product Disclosure Sheet

Product Disclosure Sheet

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

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