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Hong Leong Bank (HLB) Personal Loan
Gain insight into the financial aspects of Hong Leong Bank (HLB) personal loans. Understanding the commitments and responsibilities associated with your loan is crucial for effective financial planning. Explore our guide to navigate through the intricacies of HLB’s personal loan terms and ensure transparent financial decision-making.
Hong Leong Bank (HLB) Personal Loan: Summary
- Bank Name: Hong Leong Bank
- Abbreviation / Code Name: HLB
- Category: #ConsumerLoan #personalloan #Bank #HLB
- Bank Promotion Name: General info about personal financing
About Hong Leong Bank Personal Loan HLB
Hong Leong Bank (HLB) Personal Loan: Your Path to Financial Freedom
Tailored Banking Solutions for Your Needs
Experience unparalleled convenience and financial flexibility with Hong Leong Bank (HLB) personal loan, Malaysia’s premier banking solution tailored to your needs. Embrace the opportunity to secure the best financing options available in the market by applying today with the best bank in Malaysia!
Features and Benefits:
- 20% Cash Back on Interest: Enjoy substantial savings on your loan repayments with this exclusive offer.
- Monthly Instalments as Low as RM130: Manage your finances with ease with low monthly instalments.
- Fast Approval within 48 Hours: Access funds swiftly with our lightning-fast approval process.
- Flexible Repayment Tenure of Up to 5 Years: Tailor your repayment schedule to suit your financial situation.
- Minimum Income Eligibility of Only RM24,000 per Annum: Qualify for our personal loan with ease.
- No Guarantor and No Collateral: Enjoy hassle-free borrowing without the need for additional security.
- 5-Minute Loan Approval at am
Convenient Banking: Apply for your loan anytime, anywhere with our convenient banking services.
Eligibility:
- Malaysian Citizens Only, Aged Between 21 to 60 Years Old: Our personal loan is exclusively available to Malaysian citizens within a certain age range.
- Minimum Annual Income of RM24,000 per Annum: Ensure you meet the minimum income requirement to qualify for our personal loan.
Additional Offer:
- Take Advantage of Our Hong Leong Bank 4.38% p.a. Low Flat Rate: Benefit from our competitive interest rate for greater affordability.
Please note that the 48-hour loan approval is subject to terms and conditions. Apply now to enjoy the benefits of Hong Leong Bank personal loan and take the first step towards achieving your financial goals. Terms and conditions apply, so contact us now to learn more and seize this incredible opportunity.
Hong Leong Bank Personal Loan HLB Repayment Table
Hong Leong Bank (HLB) Personal Loan Repayment Table
Please refer to the Hong Leong Bank (HLB)’s personal loan repayment table below for detailed information regarding repayment schedules and terms.
| Loan (RM) | Int Rate (p.a.) | MonthlyInstalment (RM) | Monthly Instalment During Cash BackPeriod (RM) | ||
|---|---|---|---|---|---|
| 2 Years | 5 Years | 2 Years | 5 Years | ||
| 5,000 | 12.50% | 265 | 140 | 245 | 130 |
| 50,000 | 11.00% | 2,545 | 1,295 | 2,365 | 1,180 |
| 100,000 | 10.00% | 5,000 | 2,500 | 4,670 | 2,395 |
| 150,000 | 9.00% | 7,375 | 3,625 | 6,925 | 3,345 |
Note:
- Flat interest rate ranges 9.00% per annum – 12.50% per annum depending on loan amount, income and tenure.
- Effective Interest Rate ranges from 12.38% – 22.42% per annum.
- The above table serves as illustration purpose only, with the assumptions of customer with a minimum monthly income of RM4,000 and above.
- Actual monthly instalment will be rounded up to the nearest RM5.
Hong Leong Bank Personal Loan HLB Fee and Charges
Understanding Fees and Charges for Hong Leong Bank (HLB) Personal Loan
Transparent Breakdown for Informed Decisions
For details regarding fees and charges applicable to Hong Leong Bank (HLB)’s personal loan, please refer to the information provided below. This comprehensive breakdown ensures transparency and clarity regarding any associated costs, allowing you to make informed decisions regarding your loan.
Description/Service Charges/Fees*
- Stamp Duty Fee: 0.50% of the disbursed facility amount for every approved facility
- IBG Fee: A nominal fee of RM2.00 will be charged on every Interbank Giro (IBG), if any
Late Payment Charge
(Applicable to Personal Loan)
- 1% p.a. on the arrears of outstanding for each facility (daily rest basis)
Early Settlement
- No charges/fees to be imposed provided 3 months’ written notice is given to the Bank prior to the early settlement. Otherwise, payment of 3 months’ interest on the amount redeemed is applicable.
(For Personal Financing-i, payment in lieu of notice is not applicable – customers are required to provide 3 months’ written notice should they opt for early settlement)
Compensation Charges
(applicable to Personal Financing-i)
- For default payment during facility tenure = 1% p.a. on the overdue installment amount
- For default payment causing the facility to be terminated or brought to court = 1% p.a. on the outstanding balance (outstanding principal plus accrued profit)
- For default payment after expiry of facility tenure = BNM Islamic Interbank Money Market (“IIMM”) rate on the outstanding balance (outstanding principal plus accrued profit)
- For default payment post-judgment = IIMM rate on the basic judgment sum
*Subject to Government Tax, if applicable
Understanding the fees and charges associated with your personal loan is crucial for effective financial planning. By being aware of these costs upfront, you can budget accordingly and avoid any surprises down the line. Always ensure to read and understand the terms and conditions provided by the bank before proceeding with your loan application.
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https://www.hlb.com.my
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Contact Hong Leong Bank (HLB)
- Call Center: 03-7626 8899
Collections Department: 03 7959 1888
Media Related: 03 2081 8888 - Hong Leong Bank Berhad
Level 18, Menara Hong Leong,
No 6, Jalan Damanlela,
Bukit Damansara,
50490 Kuala Lumpur
Malaysia