Term | Description |
---|---|
Concept | Tawarruq |
Features |
|
Selling price | Fixed and Known Upfront |
Choices Mode of Payment | Salary Deduction / Salary Transfer / Standing Instruction |
Wasiat/Will Writing | Optional (highly encourage) |
Takaful | Optional (highly encourage) |
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 |
|
Term | Description |
---|---|
Purpose | For personal use |
Who Can Apply |
|
Tenure |
Minimum: 3 years Maximum: 10 years |
Financing Amount | Minimum: RM 5,000.00 Maximum: RM 250,000.00 |
Profit Rate | Competitive Flat & Floating Rate |
Mode of Payment | Pension with BMMB |
Wasiat/Will - writing | Optional (highly encourage) |
Takaful | Optional (highly encourage) |
Documents Required |
|
Applicants Eligibility |
|
JADUAL PEMBAYARAN PEMBIAYAAN PERIBADI-i PESARA
untuk PESARA TENTERA & KAKITANGAN KERAJAAN
KADAR KEUNTUNGAN: 5:50% (TETAP)
JUMLAH PEMBIYAAN (RM) | 1 TAHUN | 2 TAHUN | 3 TAHUN | 4 TAHUN | 5 TAHUN | 6 TAHUN | 7 TAHUN | 8 TAHUN | 9 TAHUN | 10 TAHUN |
---|---|---|---|---|---|---|---|---|---|---|
10,000 | 879 | 463 | 324 | 254 | 213 | 185 | 165 | 150 | 138 | 129 |
20,000 | 1,758 | 925 | 647 | 508 | 425 | 369 | 330 | 300 | 277 | 258 |
30,000 | 2,638 | 1,388 | 971 | 763 | 638 | 554 | 495 | 450 | 415 | 388 |
40,000 | 3,517 | 1,850 | 1,294 | 1,017 | 850 | 739 | 660 | 600 | 554 | 517 |
50,000 | 4,396 | 2,313 | 1,618 | 1,271 | 1,063 | 924 | 824 | 750 | 692 | 646 |
60,000 | 5,275 | 2,775 | 1,942 | 1,525 | 1,275 | 1,108 | 989 | 900 | 831 | 775 |
70,000 | 6,154 | 3,238 | 2,265 | 1,779 | 1,488 | 1,293 | 1,154 | 1,050 | 969 | 904 |
80,000 | 7,033 | 3,700 | 2,589 | 2,033 | 1,700 | 1,478 | 1,319 | 1,200 | 1,107 | 1,033 |
90,000 | 7,913 | 4,163 | 2,913 | 2,288 | 1,913 | 1,663 | 1,484 | 1,350 | 1,246 | 1,163 |
100,000 | 8,792 | 4,625 | 3,236 | 2,542 | 2,125 | 1,847 | 1,649 | 1,500 | 1,384 | 1,292 |
110,000 | 9,671 | 5,088 | 3,560 | 2,796 | 2,338 | 2,032 | 1,814 | 1,650 | 1,523 | 1,421 |
120,000 | 10,550 | 5,550 | 3,883 | 3,050 | 2,550 | 2,217 | 1,979 | 1,800 | 1,661 | 1,550 |
130,000 | 11,429 | 6,013 | 4,207 | 3,304 | 2,763 | 2,401 | 2,143 | 1,950 | 1,800 | 1,679 |
140,000 | 12,308 | 6,475 | 4,531 | 3,558 | 2,975 | 2,586 | 2,308 | 2,210 | 1,938 | 1,808 |
150,000 | 13,188 | 6,938 | 4,854 | 3,813 | 3,188 | 2,771 | 2,473 | 2,250 | 2,076 | 1,938 |
160,000 | 14,067 | 7,400 | 5,178 | 4,067 | 3,400 | 2,956 | 2,638 | 2,400 | 2,215 | 2,067 |
170,000 | 14,946 | 7,863 | 5,501 | 4,321 | 3,613 | 3,140 | 2,803 | 2,550 | 2,353 | 2,196 |
180,000 | 15,825 | 8,325 | 5,825 | 4,575 | 3,825 | 3,325 | 2,968 | 2,700 | 2,492 | 2,325 |
190,000 | 16,704 | 8,788 | 6,149 | 4,829 | 4,038 | 3,510 | 3,133 | 2,850 | 2,630 | 2,454 |
200,000 | 17,583 | 9,250 | 6,472 | 5,083 | 4,250 | 3,694 | 3,298 | 3,000 | 2,769 | 2,583 |
210,000 | 18,463 | 9,713 | 6,796 | 5,338 | 4,463 | 3,879 | 3,463 | 3,150 | 2,907 | 2,713 |
220,000 | 19,342 | 10,175 | 7,119 | 5,592 | 4,675 | 4,064 | 3,627 | 3,300 | 3,045 | 2,842 |
230,000 | 20,221 | 10,638 | 7,443 | 5,846 | 4,888 | 4,249 | 3,792 | 3,450 | 3,184 | 2,971 |
240,000 | 21,100 | 11,100 | 7,767 | 6,100 | 5,100 | 4,433 | 3,957 | 3,600 | 3,322 | 3,100 |
250,000 | 21,979 | 11,563 | 8,090 | 6,354 | 5,313 | 4,618 | 4,122 | 3,750 | 3,461 | 3,229 |
* Sebarang perubahan pembayaran balik pembiayaan tertakluk kepada terma & syarat.
JADUAL PEMBAYARAN PEMBIAYAAN PERIBADI-i PESARA
untuk PESARA TENTERA & KAKITANGAN KERAJAAN
KADAR KEUNTUNGAN: BR + 4:95% (KADAR TERAPUNG)
JUMLAH PEMBIYAAN (RM) | 1 TAHUN | 2 TAHUN | 3 TAHUN | 4 TAHUN | 5 TAHUN | 6 TAHUN | 7 TAHUN | 8 TAHUN | 9 TAHUN | 10 TAHUN |
---|---|---|---|---|---|---|---|---|---|---|
10,000 | 868 | 450 | 311 | 242 | 200 | 173 | 153 | 139 | 128 | 119 |
20,000 | 1,735 | 900 | 622 | 484 | 401 | 346 | 307 | 278 | 255 | 238 |
30,000 | 2,603 | 1,350 | 933 | 726 | 601 | 519 | 460 | 417 | 383 | 356 |
40,000 | 3,470 | 1,800 | 1,244 | 967 | 802 | 692 | 614 | 556 | 511 | 475 |
50,000 | 4,338 | 2,250 | 1,556 | 1,209 | 1,002 | 865 | 767 | 694 | 638 | 594 |
60,000 | 5,206 | 2,700 | 1,867 | 1,451 | 1,203 | 1,038 | 921 | 833 | 766 | 713 |
70,000 | 6,073 | 3,150 | 2,178 | 1,693 | 1,403 | 1,211 | 1,074 | 972 | 894 | 831 |
80,000 | 6,941 | 3,600 | 2,489 | 1,935 | 1,603 | 1,384 | 1,227 | 1,111 | 1,021 | 950 |
90,000 | 7,809 | 4,050 | 2,800 | 2,177 | 1,804 | 1,557 | 1,381 | 1,250 | 1,149 | 1,069 |
100,000 | 8,676 | 4,500 | 3,111 | 2,418 | 2,004 | 1,729 | 1,534 | 1,389 | 1,277 | 1,188 |
110,000 | 9,544 | 4,950 | 3,422 | 2,660 | 2,205 | 1,902 | 1,688 | 1,528 | 1,404 | 1,306 |
120,000 | 10,411 | 5,400 | 3,733 | 2,902 | 2,405 | 2,075 | 1,841 | 1,667 | 1,532 | 1,425 |
130,000 | 11,279 | 5,851 | 4,044 | 3,144 | 2,606 | 2,248 | 1,995 | 1,806 | 1,660 | 1,544 |
140,000 | 12,147 | 6,301 | 4,356 | 3,386 | 2,806 | 2,421 | 2,148 | 1,944 | 1,787 | 1,663 |
150,000 | 13,014 | 6,751 | 4,667 | 3,628 | 3,006 | 2,594 | 2,301 | 2,083 | 1,915 | 1,781 |
160,000 | 13,882 | 7,201 | 4,978 | 3,869 | 3,207 | 2,767 | 2,455 | 2,222 | 2,043 | 1,900 |
170,000 | 14,750 | 7,651 | 5,289 | 4,111 | 3,407 | 2,940 | 2,608 | 2,361 | 2,170 | 2,019 |
180,000 | 15,617 | 8,101 | 5,600 | 4,353 | 3,608 | 3,113 | 2,762 | 2,500 | 2,298 | 2,138 |
190,000 | 16,485 | 8,551 | 5,911 | 4,595 | 3,808 | 3,286 | 2,915 | 2,639 | 2,426 | 2,256 |
200,000 | 17,352 | 9,001 | 6,222 | 4,837 | 4,009 | 3,459 | 3,069 | 2,778 | 2,553 | 2,375 |
210,000 | 18,220 | 9,451 | 6,533 | 5,079 | 4,209 | 3,632 | 3,222 | 2,917 | 2,681 | 2,494 |
220,000 | 19,088 | 9,901 | 6,844 | 5,320 | 4,409 | 3,805 | 3,376 | 3,056 | 2,809 | 2,613 |
230,000 | 19,955 | 10,351 | 7,155 | 5,562 | 4,610 | 3,978 | 3,529 | 3,194 | 2,936 | 2,731 |
240,000 | 20,823 | 10,801 | 7,467 | 5,804 | 4,810 | 4,151 | 3,682 | 3,333 | 3,064 | 2,850 |
250,000 | 21,691 | 11,251 | 7,778 | 6,046 | 5,011 | 4,324 | 3,836 | 3,472 | 3,192 | 2,969 |
* Sebarang perubahan pembayaran balik pembiayaan tertakluk kepada terma & syarat.
Term | Description |
---|---|
Purpose | Debt Settlement & Investment |
Who Can Apply |
|
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 |
|
Wasiat/Will - writing | Optional (highly encourage) |
Takaful | Optional (highly encourage) |
Documents Required |
|
Applicants Eligibility |
|
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 | 868 | 450 | 311 | 242 | 200 | 173 | 153 | 139 | 128 | 119 |
15,000 | 1,301 | 675 | 467 | 363 | 301 | 259 | 230 | 208 | 191 | 178 |
20,000 | 1,735 | 900 | 622 | 484 | 401 | 346 | 307 | 278 | 255 | 238 |
25,000 | 2,169 | 1,125 | 778 | 605 | 501 | 432 | 384 | 347 | 319 | 297 |
30,000 | 2,603 | 1,350 | 933 | 726 | 601 | 519 | 460 | 417 | 383 | 356 |
35,000 | 3,037 | 1,575 | 1,089 | 846 | 701 | 605 | 537 | 486 | 447 | 416 |
40,000 | 3,470 | 1,800 | 1,244 | 967 | 802 | 692 | 614 | 556 | 511 | 475 |
45,000 | 3,904 | 2,025 | 1,400 | 1,088 | 902 | 778 | 690 | 625 | 574 | 534 |
50,000 | 4,338 | 2,250 | 1,556 | 1,209 | 1,002 | 865 | 767 | 694 | 638 | 594 |
55,000 | 4,772 | 2,475 | 1,711 | 1,330 | 1,102 | 951 | 844 | 764 | 702 | 653 |
60,000 | 5,206 | 2,700 | 1,867 | 1,451 | 1,203 | 1,038 | 921 | 833 | 766 | 713 |
65,000 | 5,640 | 2,925 | 2,022 | 1,572 | 1,303 | 1,124 | 997 | 903 | 830 | 772 |
70,000 | 6,073 | 3,150 | 2,178 | 1,693 | 1,403 | 1,211 | 1,074 | 972 | 894 | 831 |
75,000 | 6,507 | 3,375 | 2,333 | 1,814 | 1,503 | 1,297 | 1,151 | 1,042 | 957 | 891 |
80,000 | 6,941 | 3,600 | 2,489 | 1,935 | 1,603 | 1,384 | 1,227 | 1,111 | 1,021 | 950 |
85,000 | 7,375 | 3,825 | 2,644 | 2,056 | 1,704 | 1,470 | 1,304 | 1,181 | 1,085 | 1,009 |
90,000 | 7,809 | 4,050 | 2,800 | 2,177 | 1,804 | 1,557 | 1,381 | 1,250 | 1,149 | 1,069 |
95,000 | 8,242 | 4,275 | 2,956 | 2,297 | 1,904 | 1,643 | 1,458 | 1,319 | 1,213 | 1,128 |
100,000 | 8,676 | 4,500 | 3,111 | 2,418 | 2,004 | 1,729 | 1,534 | 1,389 | 1,277 | 1,188 |
105,000 | 9,110 | 4,725 | 3,267 | 2,539 | 2,104 | 1,816 | 1,611 | 1,458 | 1,340 | 1,247 |
110,000 | 9,544 | 4,950 | 3,422 | 2,660 | 2,205 | 1,902 | 1,688 | 1,528 | 1,404 | 1,306 |
115,000 | 9,978 | 5,175 | 3,578 | 2,781 | 2,305 | 1,989 | 1,764 | 1,597 | 1,468 | 1,366 |
120,000 | 10,411 | 5,400 | 3,733 | 2,902 | 2,405 | 2,075 | 1,841 | 1,667 | 1,532 | 1,425 |
125,000 | 10,845 | 5,626 | 3,889 | 3,023 | 2,505 | 2,162 | 1,918 | 1,736 | 1,596 | 1,484 |
130,000 | 11,279 | 5,851 | 4,044 | 3,144 | 2,606 | 2,248 | 1,995 | 1,806 | 1,660 | 1,544 |
135,000 | 11,713 | 6,076 | 4,200 | 3,265 | 2,706 | 2,335 | 2,071 | 1,875 | 1,723 | 1,603 |
140,000 | 12,147 | 6,301 | 4,356 | 3,386 | 2,806 | 2,421 | 2,148 | 1,944 | 1,787 | 1,663 |
145,000 | 12,580 | 6,526 | 4,511 | 3,507 | 2,906 | 2,508 | 2,225 | 2,014 | 1,851 | 1,722 |
150,000 | 13,014 | 6,751 | 4,667 | 3,628 | 3,006 | 2,594 | 2,301 | 2,083 | 1,915 | 1,781 |
* 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 TAHUN | 2 TAHUN | 3 TAHUN | 4 TAHUN | 5 TAHUN | 6 TAHUN | 7 TAHUN | 8 TAHUN | 9 TAHUN | 10 TAHUN |
---|---|---|---|---|---|---|---|---|---|---|
10,000 | 868 | 450 | 312 | 242 | 201 | 173 | 154 | 139 | 128 | 119 |
12,000 | 1,042 | 541 | 374 | 291 | 241 | 208 | 185 | 167 | 154 | 143 |
14,000 | 1,215 | 631 | 436 | 339 | 281 | 243 | 215 | 195 | 179 | 167 |
16,000 | 1,389 | 721 | 499 | 388 | 321 | 277 | 246 | 223 | 205 | 191 |
18,000 | 1,563 | 811 | 561 | 436 | 362 | 312 | 277 | 251 | 231 | 215 |
20,000 | 1,736 | 901 | 623 | 485 | 402 | 347 | 308 | 279 | 256 | 239 |
22,000 | 1,910 | 991 | 685 | 533 | 442 | 382 | 339 | 307 | 282 | 262 |
24,000 | 2,083 | 1,081 | 748 | 582 | 482 | 416 | 369 | 335 | 308 | 286 |
26,000 | 2,257 | 1,171 | 810 | 630 | 522 | 451 | 400 | 362 | 333 | 310 |
28,000 | 2,431 | 1,261 | 842 | 678 | 563 | 486 | 431 | 390 | 359 | 334 |
30,000 | 2,604 | 1,351 | 935 | 727 | 603 | 520 | 462 | 418 | 385 | 358 |
32,000 | 2,778 | 1,442 | 997 | 775 | 643 | 555 | 493 | 446 | 410 | 382 |
34,000 | 2,951 | 1,532 | 1,059 | 824 | 683 | 590 | 523 | 474 | 436 | 406 |
36,000 | 3,125 | 1,622 | 1,122 | 872 | 723 | 624 | 554 | 502 | 461 | 429 |
38,000 | 3,299 | 1,712 | 1,184 | 921 | 763 | 659 | 585 | 530 | 487 | 453 |
40,000 | 3,472 | 1,802 | 1,246 | 969 | 804 | 694 | 616 | 558 | 513 | 477 |
42,000 | 3,646 | 1,892 | 1,309 | 1,018 | 844 | 728 | 646 | 585 | 538 | 501 |
44,000 | 3,820 | 1,982 | 1,371 | 1,066 | 884 | 763 | 677 | 613 | 564 | 525 |
46,000 | 3,993 | 2,072 | 1,433 | 1,115 | 924 | 798 | 708 | 641 | 590 | 549 |
48,000 | 4,167 | 2,162 | 1,496 | 1,163 | 964 | 832 | 739 | 669 | 615 | 573 |
50,000 | 4,340 | 2,252 | 1,558 | 1,212 | 1,005 | 867 | 770 | 697 | 641 | 596 |
52,000 | 4,514 | 2,343 | 1,620 | 1,260 | 1,045 | 902 | 800 | 725 | 667 | 620 |
54,000 | 4,688 | 4,433 | 1,682 | 1,308 | 1,085 | 937 | 831 | 753 | 692 | 644 |
56,000 | 4,861 | 2,523 | 1,745 | 1,357 | 1,125 | 971 | 862 | 781 | 718 | 668 |
58,000 | 5,035 | 2,613 | 1,807 | 1,405 | 1,165 | 1,006 | 893 | 808 | 743 | 692 |
60,000 | 5,208 | 2,703 | 1,869 | 1,454 | 1,205 | 1,041 | 924 | 836 | 769 | 716 |
62,000 | 5,382 | 2,793 | 1,932 | 1,502 | 1,246 | 1,075 | 954 | 864 | 795 | 740 |
64,000 | 5,556 | 2,883 | 1,994 | 1,551 | 1,286 | 1,110 | 985 | 892 | 820 | 763 |
66,000 | 5,729 | 2,973 | 2,056 | 1,599 | 1,326 | 1,145 | 1,016 | 920 | 846 | 787 |
68,000 | 5,903 | 3,063 | 2,119 | 1,648 | 1,366 | 1,179 | 1,047 | 948 | 872 | 811 |
70,000 | 6,077 | 3,153 | 2,181 | 1,696 | 1,406 | 1,214 | 1,077 | 976 | 897 | 835 |
72,000 | 6,250 | 3,244 | 2,243 | 1,745 | 1,446 | 1,249 | 1,108 | 1,004 | 923 | 859 |
74,000 | 6,424 | 3,334 | 2,306 | 1,793 | 1,487 | 1,283 | 1,139 | 1,032 | 948 | 883 |
76,000 | 6,597 | 3,424 | 2,368 | 1,842 | 1,517 | 1,318 | 1,170 | 1,059 | 974 | 907 |
78,000 | 6,771 | 3,514 | 2,430 | 1,890 | 1,567 | 1,353 | 1,201 | 1,087 | 1,000 | 930 |
80,000 | 6,945 | 3,604 | 2,493 | 1,938 | 1,607 | 1,387 | 1,231 | 1,115 | 1,025 | 954 |
* 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 | 868 | 450 | 311 | 242 | 200 | 173 | 153 | 139 | 128 | 119 |
15,000 | 1,301 | 675 | 467 | 363 | 301 | 259 | 230 | 208 | 191 | 178 |
20,000 | 1,735 | 900 | 622 | 484 | 401 | 346 | 307 | 278 | 255 | 238 |
25,000 | 2,169 | 1,125 | 778 | 605 | 501 | 432 | 384 | 347 | 319 | 297 |
30,000 | 2,603 | 1,350 | 933 | 726 | 601 | 519 | 460 | 417 | 383 | 356 |
35,000 | 3,037 | 1,575 | 1,089 | 846 | 701 | 605 | 537 | 486 | 447 | 416 |
40,000 | 3,470 | 1,800 | 1,244 | 967 | 802 | 692 | 614 | 556 | 511 | 475 |
45,000 | 3,904 | 2,025 | 1,400 | 1,088 | 902 | 778 | 690 | 625 | 574 | 534 |
50,000 | 4,338 | 2,250 | 1,556 | 1,209 | 1,002 | 865 | 767 | 694 | 638 | 594 |
55,000 | 4,772 | 2,475 | 1,711 | 1,330 | 1,102 | 951 | 844 | 764 | 702 | 653 |
60,000 | 5,206 | 2,700 | 1,867 | 1,451 | 1,203 | 1,038 | 921 | 833 | 766 | 713 |
65,000 | 5,640 | 2,925 | 2,022 | 1,572 | 1,303 | 1,124 | 997 | 903 | 830 | 772 |
70,000 | 6,073 | 3,150 | 2,178 | 1,693 | 1,403 | 1,211 | 1,074 | 972 | 894 | 831 |
75,000 | 6,507 | 3,375 | 2,333 | 1,814 | 1,503 | 1,297 | 1,151 | 1,042 | 957 | 891 |
80,000 | 6,941 | 3,600 | 2,489 | 1,935 | 1,603 | 1,384 | 1,227 | 1,111 | 1,021 | 950 |
85,000 | 7,375 | 3,825 | 2,644 | 2,056 | 1,704 | 1,470 | 1,304 | 1,181 | 1,085 | 1,009 |
90,000 | 7,809 | 4,050 | 2,800 | 2,177 | 1,804 | 1,557 | 1,381 | 1,250 | 1,149 | 1,069 |
95,000 | 8,242 | 4,275 | 2,956 | 2,297 | 1,904 | 1,643 | 1,458 | 1,319 | 1,213 | 1,128 |
100,000 | 8,676 | 4,500 | 3,111 | 2,418 | 2,004 | 1,729 | 1,534 | 1,389 | 1,277 | 1,188 |
105,000 | 9,110 | 4,725 | 3,267 | 2,539 | 2,104 | 1,816 | 1,611 | 1,458 | 1,340 | 1,247 |
110,000 | 6,544 | 4,950 | 3,422 | 2,660 | 2,205 | 1,902 | 1,688 | 1,528 | 1,404 | 1,306 |
115,000 | 9,978 | 5,175 | 3,578 | 2,781 | 2,305 | 1,989 | 1,764 | 1,597 | 1,468 | 1,366 |
120,000 | 10,411 | 5,400 | 3,733 | 2,902 | 2,405 | 2,075 | 1,841 | 1,667 | 1,532 | 1,425 |
125,000 | 10,845 | 5,626 | 3,889 | 3,023 | 2,505 | 2,162 | 1,918 | 1,736 | 1,596 | 1,484 |
130,000 | 11,279 | 5,851 | 4,044 | 3,144 | 2,606 | 2,248 | 1,995 | 1,806 | 1,660 | 1,544 |
135,000 | 11,713 | 6,076 | 4,200 | 3,265 | 2,706 | 2,335 | 2,071 | 1,875 | 1,723 | 1,603 |
140,000 | 12,147 | 6,301 | 4,356 | 3,386 | 2,806 | 2,421 | 2,148 | 1,944 | 1,787 | 1,663 |
145,000 | 12,580 | 6,526 | 4,511 | 3,507 | 2,906 | 2,508 | 2,225 | 2,014 | 1,851 | 1,722 |
150,000 | 13,014 | 6,751 | 4,667 | 3,628 | 3,006 | 2,594 | 2,301 | 2,083 | 1,915 | 1,781 |
* Sebarang perubahan pembayaran balik pembiayaan tertakluk kepada terma & syarat.
Term | Description |
---|---|
Purpose | For personal purpose – Cash Consumption |
Who Can Apply |
|
Tenure | Up to 10 years |
Financing Amount | Minimum: RM 5,000.00 Maximum: RM 250,000.00 |
Profit Rate | Competitive Flat & Floating Rate |
Mode of Payment |
|
Wasiat/Will - writing | Optional (highly encourage) |
Takaful | Optional (highly encourage) |
Documents Required |
|
Applicants Eligibility |
|
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 | 866 | 449 | 310 | 240 | 199 | 172 | 152 | 137 | 126 | 117 |
20,000 | 1,732 | 897 | 619 | 481 | 398 | 343 | 304 | 275 | 252 | 234 |
30,000 | 2,599 | 1,346 | 929 | 721 | 597 | 515 | 456 | 412 | 378 | 352 |
40,000 | 3,465 | 1,795 | 1,239 | 962 | 796 | 686 | 608 | 550 | 505 | 469 |
50,000 | 4,331 | 2,243 | 1,549 | 1,202 | 995 | 858 | 760 | 687 | 631 | 586 |
60,000 | 5,197 | 2,692 | 1,858 | 1,443 | 1,194 | 1,029 | 912 | 824 | 757 | 703 |
70,000 | 6,064 | 3,141 | 2,168 | 1,683 | 1,393 | 1,201 | 1,064 | 962 | 883 | 820 |
80,000 | 6,930 | 3,589 | 2,478 | 1,924 | 1,592 | 1,372 | 1,216 | 1,099 | 1,009 | 938 |
90,000 | 7,796 | 4,038 | 2,788 | 2,164 | 1,791 | 1,544 | 1,368 | 1,236 | 1,135 | 1,055 |
100,000 | 8,662 | 4,487 | 3,097 | 2,404 | 1,990 | 1,715 | 1,520 | 1,374 | 1,261 | 1,172 |
110,000 | 9,529 | 4,935 | 3,407 | 2,645 | 2,189 | 1,887 | 1,672 | 1,511 | 1,387 | 1,289 |
120,000 | 10,395 | 5,384 | 3,717 | 2,885 | 2,388 | 2,058 | 1,823 | 1,649 | 1,514 | 1,406 |
130,000 | 11,261 | 5,833 | 4,027 | 3,126 | 2,587 | 2,230 | 1,975 | 1,786 | 1,640 | 1,524 |
140,000 | 12,127 | 6,281 | 4,336 | 3,366 | 2,786 | 2,401 | 2,127 | 1,923 | 1,766 | 1,641 |
150,000 | 12,994 | 6,730 | 4,646 | 3,607 | 2,985 | 2,573 | 2,279 | 2,061 | 1,892 | 1,758 |
160,000 | 13,860 | 7,179 | 4,956 | 3,847 | 3,184 | 2,744 | 2,431 | 2,198 | 2,018 | 1,875 |
170,000 | 14,726 | 7,628 | 5,265 | 4,087 | 3,383 | 2,916 | 2,583 | 2,336 | 2,144 | 1,992 |
180,000 | 15,592 | 8,076 | 5,575 | 4,328 | 3,582 | 3,087 | 2,735 | 2,473 | 2,270 | 2,109 |
190,000 | 16,458 | 8,525 | 5,885 | 4,568 | 3,781 | 3,259 | 2,887 | 2,610 | 2,396 | 2,227 |
200,000 | 17,325 | 8,974 | 6,195 | 4,809 | 3,980 | 3,430 | 3,039 | 2,748 | 2,523 | 2,344 |
210,000 | 18,191 | 9,422 | 6,504 | 5,049 | 4,179 | 3,602 | 3,191 | 2,885 | 2,649 | 2,461 |
220,000 | 19,057 | 9,871 | 6,814 | 5,290 | 4,378 | 3,773 | 3,343 | 3,022 | 2,775 | 2,578 |
230,000 | 19,923 | 10,320 | 7,124 | 5,530 | 4,577 | 3,945 | 3,495 | 3,160 | 2,901 | 2,695 |
240,000 | 20,790 | 10,768 | 7,434 | 5,771 | 4,776 | 4,116 | 3,647 | 3,297 | 3,027 | 2,813 |
250,000 | 21,656 | 11,217 | 7,743 | 6,011 | 4,975 | 4,288 | 3,799 | 3,435 | 3,153 | 2,930 |
* Sebarang perubahan pembayaran balik pembiayaan tertakluk kepada terma & syarat.
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 |
|
Wasiat/Will - writing | Optional (highly encourage) |
Takaful | Optional (highly encourage) |
Documents Required |
|
Applicants Eligibility |
|
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.
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 |
|
Wasiat/Will - writing | Optional (highly encourage) |
Takaful | Optional (highly encourage) |
Documents Required |
|
Applicants Eligibility |
|
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.
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 |
|
Wasiat/Will - writing | Optional (highly encourage) |
Takaful | Optional (highly encourage) |
Documents Required |
|
Applicants Eligibility |
|
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.
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 |
|
Wasiat/Will - writing | Optional (highly encourage) |
Takaful | Optional (highly encourage) |
Documents Required |
|
Applicants Eligibility |
|
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 |
|
Wasiat/Will - writing | Optional (highly encourage) |
Takaful | Optional (highly encourage) |
Documents Required |
|
Applicants Eligibility |
|
Term | Description |
---|---|
Purpose | Cash for personal use |
Who Can Apply |
|
Tenure |
Minimum: 2 years Maximum: 7 years |
Financing Amount |
|
Profit Rate | Competitive Flat Rate |
Mode of Payment |
|
Wasiat/Will - writing | Optional (highly encourage) |
Takaful | Optional (highly encourage) |
Documents Required |
|
Applicants Eligibility |
|
Term | Description |
---|---|
Concept | Tawarruq |
Features |
|
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 |
|
Term | Description | |||||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Purpose | For Personal Use - Cash Consumption, debt consolidation, education, medical etc | |||||||||||||||
Eligibility |
Government Employees
| |||||||||||||||
Mode of Payment |
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Required Documents |
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Financing Amount |
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Financing Tenure |
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Floating Rate Salary Transfer or Salary Deduction & Standing Instruction |
| |||||||||||||||
Fixed Rate Salary Transfer or Salary Deduction & Standing Instruction |
|
Term | Description | |||||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Purpose | For Personal Use - Cash Consumption, debt consolidation, education, medical etc | |||||||||||||||
Eligibility |
2) Financial Service Providers 3) Healthcare 4) Telcos - (TM, Celcom Axiata, Maxis, Digi) | |||||||||||||||
Mode of Payment |
| |||||||||||||||
Required Documents | Self Employed
| |||||||||||||||
Financing Amount |
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Financing Tenure |
| |||||||||||||||
Floating Rate Salary Transfer or Salary Deduction & Standing Instruction |
| |||||||||||||||
Fixed Rate Salary Transfer or Salary Deduction & Standing Instruction |
|
Term | Description | |||||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Purpose | For Personal Use – Cash Consumption, debt consolidation, education, medical etc. | |||||||||||||||
Eligibility |
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Mode of Payment |
| |||||||||||||||
Required Documents | Salary Earner
| |||||||||||||||
Financing Amount |
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Financing Tenure |
| |||||||||||||||
Floating Rate Salary Transfer or Salary Deduction & Standing Instruction |
| |||||||||||||||
Fixed Rate Salary Transfer or Salary Deduction & Standing Instruction |
|
Terms | Description | ||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Purpose | For Personal Use - Cash Consumption, debt consolidation, education, medical etc | ||||||||||||
Eligibility |
| ||||||||||||
Mode of Payment |
| ||||||||||||
Required Documents / Proof of Income | Salary Earner
| ||||||||||||
Collaterals | Bank's Own Products:-
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Pricing Structure |
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Financing Tenure |
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Financing Amount |
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Margin of Financing (MOF) |
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Terms & Conditions Personal Financing-i
Product Disclosure Sheet Personal Financing-i for Corporate (Tawarruq)
Muamalat Cash-i Master Instalment Table
Personal Financing-i Monthly Instalment Table-Fixed Rate (BM)
Personal Financing-i Monthly Instalment Table-Floating Rate (ENG)
Jadual Ansuran Bulanan Pembiayaan Peribadi-i (Kadar Apungan)
Personal Financing Application Form - English
Borang Permohonan Pembiayaan Peribadi - BM