Low Profit Rate
As low as 2.90% p.a.
Longer Financing Tenure
Up to 10 years period or age
up to 70 years old.
Various mode of payment available
Payment available via Salary
Deduction / Salary Transfer /
Pension Transfer / Standing Instruction
Solutions to your financial needs. Whether you need extra money for a rainy day or an opportunity that can’t wait, we have the solution for you. With the competitive rates, you can increase your cash flow & manage money at every step of your lives.
Term | Description |
---|---|
Concept | Tawarruq |
Features |
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Selling price | Fixed and Known Upfront |
Takaful Protection | Highly encouraged |
Choices Mode of Payment | Salary Deduction / Salary Transfer / Standing Instruction / Pension Transfer |
Wasiat/Will Writing | Optional |
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 |
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Term | Description |
---|---|
Purpose | For Personal Use - Cash Consumption, debt consolidation, education, medical etc |
Eligibility |
Government Employees
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Mode of Payment |
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Required Documents |
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Financing Amount |
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Financing Tenure |
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Profit Rate | Competitive Flat & Floating Rate |
Term | Description | ||||
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Purpose | For Personal Use - Cash Consumption, debt consolidation, education, medical etc | ||||
Eligibility |
2) Financial Service Providers 3) Healthcare 4) Telcos - (TM, Celcom Axiata, Maxis, Digi) 5) Big 4 (Deloitte, PwC, EY & KPMG) | ||||
Mode of Payment |
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Required Documents | Self Employed
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Financing Amount |
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Financing Tenure |
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Profit Rate | Competitive Flat & Floating Rate | ||||
List of Preferred Sector Employers |
List of Preferred Sectors Employers | ||||
Repayment Table |
Jadual Kadar Tetap-Pindahan Gaji dengan Takaful |
Terms | Description | ||||||||||||
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Purpose | For Personal Use - Cash Consumption, debt consolidation, education, medical etc | ||||||||||||
Eligibility |
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Mode of Payment |
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Required Documents / Proof of Income | Salary Earner
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Collaterals | Bank's Own Products:-
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Profit Rate | Competitive Flat & Floating Rate | ||||||||||||
Financing Tenure |
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Financing Amount |
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Margin of Financing (MOF) |
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Term | Description |
---|---|
Purpose | Debt Settlement & Cash Consumption |
Product | Also known as Pembiayaan Pengurusan Kewangan (PPK) |
Who Can Apply |
|
Tenure |
Minimum: 2 years Maximum: 10 years |
Financing Amount | Armed Forces - Lain-Lain Pangkat (LLP) : |
Profit Rate | Competitive Flat & Floating Rate |
Mode of Payment |
|
Wasiat/Will - writing | Optional (highly encourage) |
Takaful | Optional (highly encourage) |
Documents Required |
|
Applicants Eligibility |
|
Repayment Table |
Angkatan Tentera dan Penjawat Awam (Kadar Terapung) - Pindahan Gaji dengan Takaful
Angkatan Tentera (Lain-Lain Pangkat)
Cash-i Muamalat Debt Management EEP |
Term | Description |
---|---|
Purpose | For Debt Settlement & Cash Consumption |
Product | Also known as PPK Cuepacs Debt Settlement |
Who Can Apply | Government staff age 45 years and above under Pension scheme |
Tenure |
Minimum: 2 years Maximum: 10 years |
Financing Amount | Minimum: RM 5,000.00 Maximum: RM 150,000.00 |
Profit Rate | Competitive Flat Rate |
Mode of Payment |
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Wasiat/Will - writing | Optional (highly encourage) |
Takaful | Optional (highly encourage) |
Documents Required |
|
Applicants Eligibility |
|
Repayment Table | Cash-i Muamalat Debt Management Cuepacs |
Term | Description |
---|---|
Purpose | Purchase all makes / models of motorcycles which are 150cc and below |
Product | Also known as PPK Purchase of Motorcycle |
Who Can Apply | All Federal / State Government / GLC & Selected Organization staff |
Tenure |
Minimum: 1 years Maximum: 5 years |
Financing Amount | Minimum: RM 5,000.00 Maximum: RM 10,000.00 |
Profit Rate | Competitive Flat Rate |
Mode of Payment |
|
Wasiat/Will - writing | Optional (highly encourage) |
Takaful | Optional (highly encourage) |
Documents Required |
|
Applicants Eligibility |
|
Repayment Table |
Cash-i Muamalat Motorcycle |
Term | Description |
---|---|
Purpose | For personal purpose – Cash Consumption |
Product | Also known as Pembiayaan Persiapan Persaraan (3P Special) |
Who Can Apply |
|
Tenure | Up to 10 years |
Financing Amount | Minimum: RM 5,000.00 Maximum: RM 250,000.00 |
Profit Rate | Competitive Flat & Floating Rate |
Mode of Payment |
|
Wasiat/Will - writing | Optional (highly encourage) |
Takaful | Optional (highly encourage) |
Documents Required |
|
Applicants Eligibility |
|
Campaign Repayment Table | Cash-i Muamalat Premier + Cross Selling
Cash-i Muamalat Premier + No Cross Selling |
Term | Description |
---|---|
Purpose | For personal use |
Product | Also known as Pembiayaan Peribadi Pesara (3P) |
Who Can Apply |
|
Tenure |
Minimum: 2 years Maximum: 10 years |
Financing Amount | Minimum: RM 5,000.00 Maximum: RM 250,000.00 |
Profit Rate | Competitive Flat & Floating Rate |
Mode of Payment | Pension with BMMB |
Wasiat/Will - writing | Optional (highly encourage) |
Takaful | Optional (highly encourage) |
Documents Required |
|
Applicants Eligibility |
|
Campaign Repayment Table | Cash-i Muamalat Premier Plus |
Year End Campaign Terms and Conditions
Cross Selling Campaign Terms and Conditions
PDS Personal Financing-i Programme Tawarruq
Application Form Consumer Financing – BI
Borang Permohonan Pembiayaan Konsumer – BM
Muamalat Instalment Table Year End Campaign
Year End Campaign (Dengan Jualan Silang)-Arahan Tetap & Skor Kredit Baik
Year End Campaign (Dengan Jualan Silang) – Arahan Tetap & Skor Kredit Sangat Baik
Year End Campaign (Dengan Jualan Silang) – Arahan Tetap & Skor Kredit Sederhana
Year End Campaign (Tanpa Jualan Silang) – Arahan Tetap & Skor Kredit Baik
Year End Campaign (Tanpa Jualan Silang) – Arahan Tetap & Skor Kredit Sangat Baik
Year End Campaign (Tanpa Jualan Silang) – Arahan Tetap & Skor Kredit Sederhana
Year End Campaign (Tanpa Jualan Silang) – Pindahan Gaji & Skor Kredit Baik
Year End Campaign (Tanpa Jualan Silang) – Pindahan Gaji & Skor Kredit Sangat Baik
Year End Campaign (Tanpa Jualan Silang) – Pindahan Gaji & Skor Kredit Sederhana
Year End Campaign (Dengan Jualan Silang) – Pindahan Gaji & Skor Kredit Baik
Year End Campaign (Dengan Jualan Silang) – Pindahan Gaji & Skor Kredit Sangat Baik
Year End Campaign (Dengan Jualan Silang) – Pindahan Gaji & Skor Kredit Sederhana
Cash-i Muamalat Terms and Conditions
*Terms and conditions apply.
Notice on Revision of Terms & Conditions for Debit Card-i and Cardholder Agreement for Credit Card-i