Welcome to Muamalat Pajak Gadai Islam (Ar Rahnu PRESTIGE)!
Welcome to Muamalat Pajak Gadai Islam (Ar Rahnu PRESTIGE), your top choice for Shariah-compliant financing. Tailored for small businesses and enterprises, we offer fast, reliable funding solutions for expansion, inventory, or operational needs. At Muamalat Pajak Gadai Islam, we are committed to supporting your business’s growth and success.
| Term | Description |
| Concept | Tawarruq & Ar-Rahn |
| Applicant Eligibility |
|
| Financing Margin | Up to 80% margin of financing from gold value |
| Financing Limit |
Maximum: |
| Acceptable Gold Collaterals |
|
| Pawn Duration (Tenure of Financing) | Up to 18 months, subject to profit servicing to be paid every 6 months for continuation up to full tenor |
| Profit Rate |
The profit rate is fixed at 11.25% p.a or 0.9375% monthly and is based on financing amount. |
| Payment | Payment for profit-servicing and financing can be made at our branches, ATM, CDM and Internet Banking. |
| Pawn Redemption | Redemption can be done in deferred or lump sum payment before or upon maturity. Penebusan boleh dilakukan secara pembayaran tertunda atau sekaligus sebelum atau apabila matang |
Profit rate is calculated based on financing value & Marhun value
- Example:
a) Marhun value (gold value)= RM10,000
b) Financing (80%) = RM8,000
| Ar Rahnu Conventional |
| Profit charge (based on financing) |
| 2% monthly |
| RM8,000 x 2.00% = RM160.00 monthly |
| Ar Rahnu Islamic | |
| Profit charge (based on Marhun value) |
Profit charge (based on BMMB financing) |
| 11.25% monthly 0.9375% monthly |
11.25% monthly 0.9375% monthly |
| RM10,000 x 0.94% = RM94.00 monthly |
RM8,000 x 0.94% = RM75.20 monthly |
How To Apply
- Customer are required to visit our nearest branch to apply.
- Bring along your original identification card (NRIC).
- Fill up the Ar-Rahnu PRESTIGE application form.
Approval will take 7 working days. Once approved, respective branch will notify the applicant.
