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

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

KADAR KEUNTUNGAN: 5:50% (TETAP)

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

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

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

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

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

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

Product Disclosure Sheet

Download here

 

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

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

KADAR KEUNTUNGAN: 5.50% (TETAP)

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

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

JADUAL PEMBAYARAN PEMBIAYAAN PERIBADI-i PENGURUSAN KEWANGAN
untuk KAKITANGAN KERAJAAN

KADAR KEUNTUNGAN: BR + 4.95% (KADAR TERAPUNG)

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

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

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

KADAR KEUNTUNGAN: BR + 5.05% (KADAR TERAPUNG)

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

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

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

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

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

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

Product Disclosure Sheet- Civilian

Download here

 

Product Disclosure Sheet- PPK Army

Download here

 

TermDescription
PurposeFor personal purpose – Cash Consumption
Who Can Apply
  • Civil Servant
    - Government staff under pension scheme to retire within 5 years
  • Malaysian Armed Forces
    - Employment under “Tetap & Berpencen” category
    - For LLP – at least 18 years in services
    - For Officer – Minimum 5 years before retirement
TenureUp to 10 years
Financing AmountMinimum: RM 5,000.00
Maximum: RM 250,000.00
Profit RateCompetitive Flat & Floating Rate
Mode of Payment
  • Salary with BMMB
  • Salary Deduction At Source
Wasiat/Will - writingHighly encouraged
Documents Required
  • Copy of NRIC or ID (front and back)
  • Latest 1 month salary slip (Flat Rate)
  • Employment Confirmation Letter
  • Latest Settlement Statement
  • Investment Statement (if applicable)
Applicants Eligibility
  • Repayment Capacity
    - Determine by NDI & DSR
  • Employment
    - Under “Tetap & Berpencen”

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

KADAR KEUNTUNGAN: 4:65% (TETAP)

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

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

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

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

JUMLAH PEMBIAYAAN (RM) 1 TAHUN2 TAHUN3 TAHUN4 TAHUN5 TAHUN6 TAHUN7 TAHUN8 TAHUN9 TAHUN10 TAHUN
10,000 866449310240199172152137126117
20,0001,732897619481398343304275252234
30,0002,5991,346929721597515456412378352
40,0003,4651,7951,239962796686608550505469
50,0004,3312,2431,5491,202995858760687631586
60,0005,1972,6921,8581,4431,1941,029912824757703
70,0006,0643,1412,1681,6831,3931,2011,064962883820
80,0006,9303,5892,4781,9241,5921,3721,2161,0991,009938
90,0007,7964,0382,7882,1641,7911,5441,3681,2361,1351,055
100,0008,6624,4873,0972,4041,9901,7151,5201,3741,2611,172
110,0009,5294,9353,4072,6452,1891,8871,6721,5111,3871,289
120,00010,3955,3843,7172,8852,3882,0581,8231,6491,5141,406
130,00011,2615,8334,0273,1262,5872,2301,9751,7861,6401,524
140,00012,1276,2814,3363,3662,7862,4012,1271,9231,7661,641
150,00012,9946,7304,6463,6072,9852,5732,2792,0611,8921,758
160,00013,8607,1794,9563,8473,1842,7442,4312,1982,0181,875
170,00014,7267,6285,2654,0873,3832,9162,5832,3362,1441,992
180,00015,5928,0765,5754,3283,5823,0872,7352,4732,2702,109
190,00016,4588,5255,8854,5683,7813,2592,8872,6102,3962,227
200,00017,3258,9746,1954,8093,9803,4303,0392,7482,5232,344
210,00018,1919,4226,5045,0494,1793,6023,1912,8852,6492,461
220,00019,0579,8716,8145,2904,3783,7733,3433,0222,7752,578
230,00019,92310,3207,1245,5304,5773,9453,4953,1602,9012,695
240,00020,79010,7687,4345,7714,7764,1163,6473,2973,0272,813
250,00021,65611,2177,7436,0114,9754,2883,7993,4353,1532,930

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

Product Disclosure Sheet

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

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

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

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

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

Product Disclosure Sheet

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

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

KADAR KEUNTUNGAN: 5.50% (TETAP)

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

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

Product Disclosure Sheet

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

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

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

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

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

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

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

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

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

Product Disclosure Sheet

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

Product Disclosure Sheet

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

Product Disclosure Sheet

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

Product Disclosure Sheet

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TermDescription
ConceptTawarruq
Features
  • Minimum Financing : 2 years
  • Maximum Financing : 10 Years
  • Financing Up to RM250,000*
  • Age up to 70 years old*
  • No Guarantor Required
  • No Processing Fee
  • No Hidden Charges
  • Debt Consolidations
*subject to terms and conditions
Selling priceFixed and Known Upfront
Takaful ProtectionOptional
Choices Mode of PaymentSalary Deduction / Salary Transfer / Standing Instruction
Wasiat/Will WritingHighly encouraged
Structure of ProductMuamalat Personal Financing-i (Tawarruq) is a financing facility that is designed to provide cash financing to the customers for personal consumption/ use which does not contravene with the Shariah principles.
Generally, this product is based on Tawarruq as its underlying Shariah concept for provision of financing. The financing structure under the Tawarruq arrangement involves the combination of Wa’d Mulzim, Murabahah, Wakalah and Bai’ Wadhi’ah contracts.
Shariah Concepts
  • Tawarruq consists of two sale and purchase contracts where the first involves the sale of an asset by a seller to a purchaser on a deferred basis. Subsequently, the purchaser of the first sale will sell the same asset to a third party on a cash basis.
  • Murabahah refers to a sale and purchase of an asset where the acquisition cost and the mark-up are disclosed to the purchaser.
  • Wakalah means a contract in which a party (muwakkil) authorises another party as his agents (wakil) to perform a particular task, in matters that may be delegated, either voluntarily or with imposition of fee.
  • Wa’d refers to an expression of commitment given by one party to another to perform certain action(s) in the future.
  • Bai’ Wadhi’ah is a sale contract whereby the asset / commodity is sold at lower price than the cost incurred by the Customer.
TermDescription
PurposeFor Personal Use - Cash Consumption, debt consolidation, education, medical etc
Eligibility
  • 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
Floating Rate
Salary Transfer or Salary Deduction & Standing Instruction
Tenure
Salary Transfer/Deduction
Without Takaful
(Add 1%)
Standing Instruction
(Add 2%)
Without Takaful
(Add 3%)
2-10 years
(BR+1.96%)
@4.52% p.a
(BR+2.96%)
@5.52% p.a
(BR+3.96%)
@6.52% p.a
(BR+4.96%)
@7.52% p.a
*Ceiling Rate at 11.00%
Fixed Rate
Salary Transfer or Salary Deduction
 
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
 
Standing Instruction
(Add 2%)
 
Without Takaful
(Add 3%)
 
5.00%
 
6.00%
 
5.69%
 
6.69%
TermDescription
PurposeFor Personal Use - Cash Consumption, debt consolidation, education, medical etc
Eligibility
  • Age 18 and above
  • Malaysian citizen
  • Must be a registered member of professional body of the said profession or equivalent
         related qualification and accreditation
  • Minimum income of RM5,000 and above
  • Confirmed position or is a permanent staff
  • Employment on contractual basis with minimum 5 years of working experience in a
         similarly related field/sector
  • Financing up 60 years old. (for Medical Practitioners up to 70 years old)
  • Applicable to
  • Professional 1
    Professional 2

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

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


  • Selected employers from the following preferred sectors:-Please refer list of Preferred Sectors Employers
  • 1) Oil and Gas
    2) Financial Service Providers
    3) Healthcare
    4) Telcos - (TM, Celcom Axiata, Maxis, Digi)
  • Professional firms/Self-employed:
    - At least 5 years of establishment (Kindly refer to the date registration or incorporation)
    - Medical Practitioners (i.e. clinics) at least 1 year of establishment
    - Registered with the relevant professional bodies
    - Having established positive banking relationship with the Bank and/or other financial
        institution
Mode of Payment
  • Salary deduction at source
  • Salary Transfer/Company - Business account transfer/open to Bank Muamalat
  • Standing Instruction
Required Documents Self Employed
  • MyKad
  • Business registration
  • Latest financial statement or; Income tax return. and
  • Latest 6 months current account statement
Professional Certificate
  • Professional Certification / Affiliations / Qualifications (under Professional Program)

Financing Amount
  • Minimum RM10,000
  • Maximum RM200,000
Financing Tenure
  • Minimum 2 years - Maximum 10 years
Floating Rate
Salary Transfer or Salary Deduction & Standing Instruction
Tenure
Salary Transfer/Deduction
Without Takaful
(Add 1%)
Standing Instruction
(Add 2%)
Without Takaful
(Add 3%)
2-10 years
(BR+1.96%)
@4.52% p.a
(BR+2.96%)
@5.52% p.a
(BR+3.96%)
@6.52% p.a
(BR+4.96%)
@7.52% p.a
*Ceiling Rate at 11.00%
Fixed Rate
Salary Transfer or Salary Deduction
 
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
 
Standing Instruction
(Add 2%)
 
Without Takaful
(Add 3%)
 
5.00%
 
6.00%
 
5.69%
 
6.69%

 

 List of Preferred Sector Employers

 The Professionals Programme (Flyers)

 Industri Pendidikan (Flyers)

 Industri Telekomunikasi (Flyers)

 Industri Penjagaan Kesihatan (Flyers)

 Industri Perbankan dan Kewangan (Flyers)

  Industri Minyak dan Gas (Flyers)

TermDescription
PurposeFor Personal Use – Cash Consumption, debt consolidation, education, medical etc.
Eligibility
  • Individual with a minimum monthly income of RM 7,000 or annual income of RM84,000
  • Age 18 and above.
  • Malaysian citizen
  • Financing up 60 years old. (for Medical Practitioners up to 70 years old).
  • Subset under category Cash-i Muamalat and Cash-i Muamalat Pro
Mode of Payment
  • Salary deduction at source
  • Salary Transfer to Bank Muamalat
  • Standing Instruction.
Required DocumentsSalary Earner
  • MyKad
  • Latest 3 months payslips.
  • Latest 3 months Bank statement showing salary crediting
  • Employment Confirmation Letter (ECL)
  • Any other income supporting document (EA or EPF)
  • Undertaking letter to transfer salary or salary deduction or
  • Clause to transfer or salary deduction in Employment Confirmation Letter (ECL).
Self Employed
  • MyKad
  • Business registration.
  • Last 6 months or 12 months current account statement and;
  • Latest financial statement or;
  • Income tax declaration.
Professional Certificate
  • Professional Certification / Affiliations / Qualifications (under Professional Program)
Financing Amount
  • Minimum RM10,000
  • Maximum RM 250,000
Financing Tenure
  • Minimum 2 years - Maximum 10 years
Floating Rate
Salary Transfer or Salary Deduction & Standing Instruction
Tenure
Salary Transfer/Deduction
Without Takaful
(Add 1%)
Standing Instruction
(Add 2%)
Without Takaful
(Add 3%)
2-10 years
(BR+1.96%)
@4.52% p.a
(BR+2.96%)
@5.52% p.a
(BR+3.96%)
@6.52% p.a
(BR+4.96%)
@7.52% p.a
*Ceiling Rate at 11.00%
Fixed Rate
Standing Instruction
 
Standing Instruction
(Add 2%)
 
Without Takaful
(Add 3%)
 
5.00%
 
6.00%
 
5.69%
 
6.69%
TermsDescription
PurposeFor Personal Use - Cash Consumption, debt consolidation, education, medical etc
Eligibility
  • Proof of monthly income of RM 3,000.00
  • Malaysian citizen Age 18 and above (no cap on maximum age)
  • Permanent position or Contractual staff min 1 year of service
  • Self-employed / Sole proprietor / Business owner
Mode of Payment
  • Salary Deduction at Source
  • Salary Transfer to Bank Muamalat
  • Standing Instruction
Required Documents / Proof of IncomeSalary Earner
  • MyKad
  • Latest 1 month payslip
  • Latest 1 month Bank statement showing salary crediting or
  • Any other income supporting document (if required- EA or EPF)
Self Employed
  • My Kad
  • Business registration
  • Latest financial statement or
  • Income tax return
  • latest 6 months current account statement
CollateralsBank's Own Products:-
  • SA-i
  • FTA-i
  • Muamalat Gold (MG-i) Account
Pricing Structure
Tenure (Years)
Rate
2-4
5.74% (BR + 2.18%)
5-10
5.80% (BR + 2.24%)
Financing Tenure
  • Minimum 1 year
  • Maximum 10 years
Financing Amount
  • Minimum RM10,000
  • Maximum RM250,000
Margin of Financing (MOF)
No
Accepted Collaterals
MOF
1
SA-i
100%
2
FTA-i
100%
3
MG-i Account
80%

 




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