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Bank Islam Malaysia Berhad (BIMB)
Bank Islam Malaysia Berhad (BIMB) stands at the forefront of ethical and transparent banking practices, offering a comprehensive suite of Syariah-compliant financial products and services. With a focus on integrity and customer satisfaction, BIMB serves as your trusted partner in navigating the complexities of modern banking while adhering to Islamic principles. Explore our range of banking solutions designed to meet your diverse needs and experience banking with confidence and peace of mind with Bank Islam Malaysia Berhad.
Bank Islam Malaysia Berhad (BIMB) Personal Loan: Summary
- Bank Name: Bank Islam Personal Loan
- Abbreviation / Code Name: BIMB
- Category: #ConsumerLoan #personalloan #Bank #BIMB
- Bank Promotion Name: General info about Bank Islam personal financing
Bank Islam Malaysia Berhad: Your Source for Syariah Compliant Personal Financing
Bank Islam Malaysia Berhad stands as a beacon of ethical and transparent banking practices, offering Syariah-compliant personal financing solutions to cater to the diverse needs of individuals. With a commitment to providing competitive interest rates and Islamic loans, Bank Islam is the ideal choice for those seeking financial peace of mind.
Catering to All Individuals and Professionals
Bank Islam’s personal financing options are tailored to cater to individuals from all walks of life, including professionals in various fields. Whether you’re a working professional, entrepreneur, or self-employed individual, Bank Islam’s financing solutions are designed to meet your unique financial needs with ease and convenience.
Competitive and Peaceful Financing Solutions
Experience the peace of mind that comes with Bank Islam’s Syariah-compliant financing options. With competitive monthly installments and transparent terms, you can rest assured that your financial interests are protected while achieving your goals. In addition to personal loans, Bank Islam also offers a range of other services, including credit cards, housing loans, and home financing-I, ensuring that all your financial needs are met under one roof.
Explore Your Personal Loan Options with Bank Islam Malaysia Berhad
Bank Islam Malaysia Berhad offers a diverse range of personal financing solutions tailored to meet your financial needs. Whether you’re looking for flexibility, security, or prefer a promotional rate, Bank Islam has the right option for you.
Cash Line-i: Secure and Flexible Financing
The Cash Line-i financing facility from Bank Islam Malaysia Berhad provides customers with flexible options to meet their financial needs. With various financing packages available, including secured and non-package options, BIMB ensures that individuals can access the funds they require with ease.
Secured Personal Financing Loan Bank Islam Malaysia Berhad BIMB Cash Line-i
- Financing Quantum: Subject to a minimum of RM10,000.
- Margin of Financing: Up to 100% if secured against fixed deposit, up to 80% if secured against structured investment, and up to 60% if secured against unit trust.
- Payment Period: Maximum of 5 years (60 months) with no age limit for fixed deposit or structured investment. For unit trust, up to 5 years (60 months) or up to the retirement age or 70 years old, whichever is earlier.
Personal Financing Loan Bank Islam Malaysia Berhad Cash Line-i against Bank Islam’s Fixed Deposit, Structured Investment or Unit Trust
- Financing Quantum: Subject to a minimum of RM5,000.
- Margin of Financing: Similar to the secured option.
- Payment Period: Mirrors the secured option.
Bank Islam Malaysia Berhad BIMB Personal Financing-i Non-Package
- Financing Quantum: Based on eligibility, ranging from RM10,000 to RM150,000.
- Guarantor Requirement: No guarantor required for financing RM30,000 and below. One guarantor needed for amounts exceeding RM30,000.
- Payment Period: Maximum of 120 months (10 years) or up to the retirement age.
Bank Islam Malaysia Berhad BIMB Personal Financing-i Package
- Financing Quantum: Determined by eligibility, with amounts ranging from RM10,000 to RM300,000.
- Payment Period: Maximum of 10 years (120 months) or up to the retirement age.
Promotional Rate for Teachers and Nurses
For a limited time, Bank Islam Malaysia Berhad offers a promotional rate for teachers and nurses. Don’t miss this exclusive opportunity to secure financing with special terms and conditions.
Bank Islam Malaysia Berhad Personal Financing-i Programme for Medical Practitioner
Bank Islam Malaysia Berhad (BIMB) introduces the Personal Financing-i Package tailored specifically for medical practitioners, offering a flexible and competitive financing solution to meet their unique financial needs.
Introduction:
The Personal Financing-i Package from BIMB provides customers with an attractive financing option, boasting competitive rates and flexible payment periods to cater to diverse financial requirements.
Financing Quantum and Payment Period Tenures:
- Financing amounts range from a minimum of RM10,000 to a maximum of RM300,000, subject to eligibility.
- Payment periods extend up to 10 years (120 months) or until the borrower reaches retirement age, whichever comes earlier.
Financing Rate Offer with Takaful Coverage:
Flat Rate:
- 1-3 years: 4.20% p.a.
- 4-10 years: 4.35% p.a.
Floating Rate (Base Rate [BR]):
- 1-3 years: BR + 2.38% p.a.
- 4-10 years: BR + 3.02% p.a.
(Revised BR effective date 10 May 2019: 3.77% p.a.)
Financing Rate Offer Without Takaful Coverage:
Flat Rate:
- 5.99% p.a. for 1-10 years.
Floating Rate (Base Rate [BR]):
- 1-3 years: BR + 3.38% p.a.
- 4-10 years: BR + 5.28% p.a.
(Revised BR effective date 10 May 2019: 3.77% p.a.)
Eligibility & Requirements:
Eligibility (Salary Earner):
- Malaysian citizen aged 25 to retirement age.
- Minimum gross income of RM2,000 per month.
- Minimum tenure in service: 6 months for permanent staff and 2 years for contract staff (Government only).
Eligibility (Sole Proprietorship or Partnership):
- Malaysian citizen aged 25 to retirement age (maximum entry age is 65 years).
- Minimum gross monthly income of RM2,000.
- Minimum of 2 years in business.
Documents Required:
- For salary earner applicant: Identity card, latest pay slip, confirmation letter from employer, and additional income verification documents.
- For Sole Proprietorship or Partnership: Identity card.
Fees & Charges:
- RM50.00 agent fee for commodity sale transactions.
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Personal Loan Bank Islam Reviews
Customer Reviews about Personal Loan Bank Islam
Contact Bank Islam Malaysia Berhad
- General Line: +603 2088 8000
Contact Centre: +603 26 900 900 - Email: contactcenter@bankislam.com.my
- Bank Islam Malaysia Berhad
Level 32, Menara Bank Islam
No. 22, Jalan Perak
50450 Kuala Lumpur