Bank Muamalat Malaysia Berhad » Personal Financing-i

Structured Personal Financing-i

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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
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	*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 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	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	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.

Product Disclosure Sheet – ENG

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Product Disclosure Sheet – BM

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2) Pembiayaan Pengurusan Kewangan (PPK)

Term	Description
Purpose	Debt Settlement & Cash Consumption
Who Can Apply	Malaysia Armed Forces Pensioner All Federal/State Government/GLC & Selected Organizations Staff
Tenure	Minimum: 3 years Maximum: 10 years
Financing Amount	Armed Forces - Lain-Lain Pangkat (LLP) : Minimum : RM 5,000.00 Maximum : RM 80,000.00 Armed Forces Officer & Civilian (Government) Minimum : RM 5,000.00 Maximum : RM 150,000.00
Profit Rate	Competitive Flat & Floating Rate
Mode of Payment	Salary with BMMB
Wasiat/Will - writing	Optional (highly encourage)
Takaful	Optional (highly encourage)
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	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	Civil Servant - Government staff under pension scheme to retire within 5 years Malaysian Armed Forces - Employment under “Tetap & Berpencen” category - For LLP – at least 16 years in services - For Officer – Minimum 5 years before retirement
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	Salary with BMMB
Wasiat/Will - writing	Optional (highly encourage)
Takaful	Optional (highly encourage)
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	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.

Product Disclosure Sheet – ENG

Download here

Product Disclosure Sheet – BM

Download here

4) PPK Cuepacs Debt Settlement

Term	Description
Purpose	For Debt Settlement & Cash Consumption
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
Wasiat/Will - writing	Optional (highly encourage)
Takaful	Optional (highly encourage)
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 – ENG

Download here

Product Disclosure Sheet – BM

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	Optional (highly encourage)
Takaful	Optional (highly encourage)
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 – ENG

Download here

Product Disclosure Sheet – BM

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	Optional (highly encourage)
Takaful	Optional (highly encourage)
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 – ENG

Download here

Product Disclosure Sheet – BM

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	Optional (highly encourage)
Takaful	Optional (highly encourage)
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 – ENG

Download here

Product Disclosure Sheet – BM

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	Optional (highly encourage)
Takaful	Optional (highly encourage)
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 – ENG

Download here

Product Disclosure Sheet – BM

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 Deduction At Source
Wasiat/Will - writing	Optional (highly encourage)
Takaful	Optional (highly encourage)
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 – ENG

Download here

Product Disclosure Sheet – BM

Download here

Personal Financing-i Programme

Interested, please Click below button "APPLY NOW".

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Term	Description
Concept	Tawarruq
Features	Minimum Financing : 2 years Maximum Financing : 10 Years Financing Up to RM400,000* 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 (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
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 RM3,000 and above
Confirmed position or is permanent staff
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%)
2-3 years	(BR+1.24%) @3.80% p.a	(BR+2.24%) @4.80% p.a	(BR+3.24%) @5.80% p.a	(BR+4.24%) @6.80% p.a
4-10 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 & Standing Instruction

Tenure	Salary Transfer/Deduction	Without Takaful (Add 1%)	Standing Instruction (Add 2%)	Without Takaful (Add 3%)
2-3 years	2.69%	3.69%	4.69%	5.69%
4-10 years	3.69%	4.69%	5.69%	6.69%

*additional 1.00% on rates for financing without takaful

2) 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

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

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%)
2-3 years	(BR+1.24%) @3.80% p.a	(BR+2.24%) @4.80% p.a	(BR+1.24%) @3.80% p.a	(BR+2.24%) @4.80% p.a
4-10 years	(BR+1.96%) @4.52% p.a	(BR+2.96%) @5.52% p.a	(BR+1.96%) @4.52% p.a	(BR+2.96%) @5.52% p.a

*Ceiling Rate at 11.00%

Fixed Rate
Salary Transfer or Salary Deduction & Standing Instruction

Tenure	Salary Transfer/Deduction	Without Takaful (Add 1%)	Standing Instruction (Add 2%)	Without Takaful (Add 3%)
2-3 years	2.69%	3.69%	2.69%	3.69%
4-10 years	3.69%	4.69%	3.69%	4.69%

*additional 1.00% on rates for financing without takaful

List of Preferred Sector Employers

3) 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 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 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

Professional Certification / Affiliations / Qualifications (under Professional Program)

Financing Amount

More than RM200,000
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%)
2-3 years	(BR+1.24%) @3.80% p.a	(BR+2.24%) @4.80% p.a	(BR+3.24%) @5.80% p.a	(BR+4.24%) @6.80% p.a
4-10 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 & Standing Instruction

Tenure	Salary Transfer/Deduction	Without Takaful (Add 1%)	Standing Instruction (Add 2%)	Without Takaful (Add 3%)
2-3 years	2.69%	3.69%	4.69%	5.69%
4-10 years	3.69%	4.69%	5.69%	6.69%

*additional 1.00% on rates for financing without takaful

4) Cash-i Muamalat Prestige T20

Term

Description

Purpose

For Personal Use – Cash Consumption, debt consolidation, education, medical etc.

Eligibility

Individual with a minimum monthly income of RM15,000 or annual income of RM180,000
Age 18 and above
Malaysian citizen
Financing up 60 years old. (for Medical Practitioners up to 70 years old)
Extension for Cash-i Muamalat Prestige

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

Professional Certification / Affiliations / Qualifications (under Professional Program)

Financing Amount

More than RM250,000
Maximum RM 400,000

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%)
2-3 years	(BR+1.24%) @3.80% p.a	(BR+2.24%) @4.80% p.a	(BR+3.24%) @5.80% p.a	(BR+4.24%) @6.80% p.a
4-10 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 & Standing Instruction

Tenure	Salary Transfer/Deduction	Without Takaful (Add 1%)	Standing Instruction (Add 2%)	Without Takaful (Add 3%)
2-3 years	2.69%	3.69%	4.69%	5.69%
4-10 years	3.69%	4.69%	5.69%	6.69%

*additional 1.00% on rates for financing without takaful

5) Collateralized Personal Financing-i Program

Terms

Description

Purpose

For 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 Income

Salary 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

Collaterals

Bank'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%

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)

Product Disclosure Sheet – ENG

Product Disclosure Sheet – BM

Product Disclosure Sheet- Civilian – ENG

Product Disclosure Sheet- Civilian – BM

Product Disclosure Sheet- PPK Army – ENG

Product Disclosure Sheet- PPK Army – BM

Product Disclosure Sheet – ENG

Product Disclosure Sheet – BM

Product Disclosure Sheet – ENG

Product Disclosure Sheet – BM

Product Disclosure Sheet – ENG

Product Disclosure Sheet – BM

Product Disclosure Sheet – ENG

Product Disclosure Sheet – BM

Product Disclosure Sheet – ENG

Product Disclosure Sheet – BM

Product Disclosure Sheet – ENG

Product Disclosure Sheet – BM

Product Disclosure Sheet – ENG

Product Disclosure Sheet – BM

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