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	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	872	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	1,994	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.

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

KADAR KEUNTUNGAN: BR + 5.05% (KADAR TERAPUNG)

JUMLAH PEMBIAYAAN (RM)	1 TAHUN	2 TAHUN	3 TAHUN	4 TAHUN	5 TAHUN	6 TAHUN	7 TAHUN	8 TAHUN	9 TAHUN	10 TAHUN
10,000	873	455	316	247	206	178	159	144	133	125
12,000	1,047	546	376	296	247	214	191	173	160	149
14,000	1,222	637	443	346	288	250	222	202	187	174
16,000	1,396	728	506	395	329	285	254	231	213	199
18,000	1,571	819	569	445	370	321	286	260	240	224
20,000	1,745	910	632	494	411	357	318	289	267	249
22,000	1,920	1,001	696	543	453	392	350	318	293	274
24,000	2,094	1,092	759	593	494	428	381	347	320	299
26,000	2,269	1,183	822	642	535	464	413	376	347	324
28,000	2,444	1,274	885	692	576	499	445	405	373	349
30,000	2,618	1,365	949	741	617	535	477	433	400	374
32,000	2,793	1,456	1,012	790	658	571	509	462	427	399
34,000	2,967	1,547	1,075	840	699	606	540	491	453	424
36,000	3,142	1,638	1,138	889	741	642	572	520	480	448
38,000	3,316	1,729	1,202	939	782	678	604	549	507	473
40,000	3,491	1,820	1,265	988	823	713	636	578	533	498
42,000	3,665	1,911	1,328	1,037	864	749	667	607	560	523
44,000	3,840	2,002	1,391	1,087	905	785	699	636	587	548
46,000	4,014	2,093	1,454	1,136	946	820	731	665	614	573
48,000	4,189	2,184	1,518	1,186	987	856	763	694	640	598
50,000	4,364	2,275	1,581	1,235	1,028	892	795	722	667	623
52,000	4,538	2,366	1,644	1,284	1,070	927	826	751	694	648
54,000	4,713	2,457	1,707	1,334	1,111	963	858	780	720	673
56,000	4,887	2,548	1,771	1,383	1,152	999	890	809	747	698
58,000	5,062	2,639	1,834	1,433	1,193	1,034	922	838	774	723
60,000	5,236	2,730	1,897	1,482	1,234	1,070	954	867	800	747
62,000	5,411	2,821	1,960	1,531	1,275	1,106	985	896	827	772
64,000	5,585	2,912	2,024	1,581	1,316	1,141	1,017	925	854	797
66,000	5,760	3,003	2,087	1,630	1,358	1,177	1,049	954	880	822
68,000	5,934	3,094	2,150	1,680	1,399	1,213	1,081	983	907	847
70,000	6,109	3,185	2,213	1,729	1,440	1,248	1,112	1,011	934	872
72,000	6,283	3,276	2,277	1,778	1,481	1,284	1,144	1,040	960	897
74,000	6,458	3,367	2,340	1,828	1,522	1,320	1,176	1,069	987	922
76,000	6,633	3,458	2,403	1,877	1,563	1,355	1,208	1,098	1,014	947
78,000	6,807	3,549	2,466	1,927	1,604	1,391	1,240	1,127	1,040	972
80,000	6,982	3,640	2,529	1,976	1,646	1,427	1,271	1,156	1,067	997

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

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

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

JUMLAH PEMBIAYAAN (RM)	1 TAHUN	2 TAHUN	3 TAHUN	4 TAHUN	5 TAHUN	6 TAHUN	7 TAHUN	8 TAHUN	9 TAHUN	10 TAHUN
10,000	872	455	316	247	205	178	158	144	133	124
12,000	1,047	546	379	296	246	213	190	173	159	149
14,000	1,221	636	442	345	287	249	222	202	186	174
16,000	1,396	727	505	394	328	285	253	230	213	198
18,000	1,570	818	568	444	369	320	285	259	239	223
20,000	1,744	909	631	493	410	356	317	288	266	248
22,000	1,919	1,000	695	542	451	391	349	317	292	273
24,000	2,093	1,091	758	592	493	427	380	346	319	298
26,000	2,268	1,182	821	641	534	462	412	374	345	323
28,000	2,442	1,273	884	690	575	498	444	403	372	347
30,000	2,617	1,364	947	740	616	533	475	432	399	372
32,000	2,791	1,455	1,010	789	657	569	507	461	425	397
34,000	2,966	1,546	1,073	838	698	605	539	490	452	422
36,000	3,140	1,637	1,137	888	739	640	570	518	478	447
38,000	3,315	1,727	1,200	937	780	676	602	547	505	471
40,000	3,489	1,818	1,263	986	821	711	634	576	531	496
42,000	3,663	1,909	1,326	1,035	862	747	665	605	558	521
44,000	3,838	2,000	1,389	1,085	903	782	697	633	585	546
46,000	4,012	2,091	1,452	1,134	944	818	729	662	611	571
48,000	4,187	2,182	1,515	1,183	985	854	760	691	638	595
50,000	4,361	2,273	1,579	1,233	1,026	889	792	720	664	620
52,000	4,536	2,364	1,642	1,282	1,067	925	824	749	691	645
54,000	4,710	2,455	1,705	1,331	1,108	960	855	777	717	670
56,000	4,885	2,546	1,768	1,381	1,149	996	887	806	744	695
58,000	5,059	2,637	1,831	1,430	1,190	1,031	919	835	771	719
60,000	5,233	2,728	1,894	1,479	1,231	1,067	950	864	797	744
62,000	5,408	2,819	1,957	1,528	1,272	1,103	982	893	824	769
64,000	5,582	2,909	2,021	1,578	1,313	1,138	1,014	921	850	794
66,000	5,757	3,000	2,084	1,627	1,354	1,174	1,046	950	877	819
68,000	5,931	3,091	2,147	1,676	1,395	1,209	1,077	979	903	843
70,000	6,106	3,182	2,210	1,726	1,436	1,245	1,109	1,008	930	868
72,000	6,280	3,273	2,273	1,775	1,478	1,280	1,141	1,037	956	893
74,000	6,455	3,364	2,336	1,824	1,519	1,316	1,172	1,065	983	918
76,000	6,629	3,455	2,399	1,874	1,560	1,352	1,204	1,094	1,010	943
78,000	6,804	3,546	2,463	1,923	1,601	1,387	1,236	1,123	1,036	968
80,000	6,978	3,637	2,526	1,972	1,642	1,423	1,267	1,152	1,063	992

* 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	871	453	314	245	204	176	157	142	131	122
15,000	1,306	680	471	368	306	265	235	214	197	184
20,000	1,742	906	629	490	408	353	314	285	263	245
25,000	2,177	1,133	786	613	509	441	392	356	328	306
30,000	2,613	1,360	943	735	611	529	471	427	394	367
35,000	3,048	1,586	1,100	858	713	617	549	499	459	429
40,000	3,483	1,813	1,257	980	815	705	628	570	525	490
45,000	3,919	2,040	1,414	1,103	917	794	706	641	591	551
50,000	4,354	2,266	1,572	1,226	1,019	882	785	712	656	612
55,000	4,790	2,493	1,729	1,348	1,121	970	863	783	722	673
60,000	5,225	2,719	1,886	1,471	1,223	1,058	941	855	788	735
65,000	5,661	2,946	2,043	1,593	1,325	1,146	1,020	926	853	796
70,000	6,096	3,173	2,200	1,716	1,426	1,235	1,098	997	919	857
75,000	6,531	3,399	2,357	1,838	1,528	1,323	1,177	1,068	985	918
80,000	6,967	3,626	2,515	1,961	1,630	1,411	1,255	1,139	1,050	980
85,000	7,402	3,852	2,672	2,083	1,732	1,499	1,334	1,211	1,116	1,041
90,000	7,838	4,079	2,829	2,206	1,834	1,587	1,412	1,282	1,182	1,102
95,000	8,273	4,306	2,986	2,329	1,936	1,675	1,491	1,353	1,247	1,163
100,000	8,709	4,532	3,143	2,451	2,038	1,764	1,569	1,424	1,313	1,224
105,000	9,144	4,759	3,300	2,574	2,140	1,852	1,648	1,496	1,378	1,286
110,000	9,579	4,986	3,458	2,696	2,241	1,940	1,726	1,567	1,444	1,347
115,000	10,015	5,212	3,615	2,819	2,343	2,028	1,804	1,638	1,510	1,408
120,000	10,450	5,439	3,772	2,941	2,445	2,116	1,883	1,709	1,575	1,469
125,000	10,886	5,665	3,929	3,064	2,547	2,204	1,961	1,780	1,641	1,531
130,000	11,321	5,892	4,086	3,187	2,649	2,293	2,040	1,852	1,707	1,592
135,000	11,757	6,119	4,243	3,309	2,751	2,381	2,118	1,923	1,772	1,653
140,000	12,192	6,345	4,401	3,432	2,853	2,469	2,197	1,994	1,838	1,714
145,000	12,627	6,572	4,558	3,554	2,955	2,557	2,275	2,065	1,904	1,775
150,000	13,063	6,798	4,715	3,677	3,057	2,645	2,354	2,137	1,969	1,837

* 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%) @5.74% p.a	(BR+3.18%) @6.74% p.a
5-10 years	(BR+2.24%) @5.80% p.a	(BR+3.24%) @6.80% 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%) @6.74% p.a	(BR+4.18%) @7.74% p.a
5-10 years	(BR+3.44%) @7.00% p.a	(BR+4.44%) @8.00% 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%) @5.90% p.a	(BR+3.34%) @6.90% p.a
5-10 years	(BR+2.24%) @5.80% p.a	(BR+3.24%) @6.80% 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%) @7.55% p.a	(BR+4.99%) @8.55% p.a
5-10 years	(BR+3.99%) @7.55% p.a	(BR+4.99%) @8.55% 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%) @5.85% p.a	(BR+3.29%) @6.85% p.a
5-10 years	(BR+2.24%) @5.80% p.a	(BR+3.24%) @6.80% 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%) @6.85% p.a	(BR+4.29%) @7.85% p.a
5-10 years	(BR+3.49%) @7.05% p.a	(BR+4.49%) @8.05% 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

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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