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Bank Simpanan Nasional (BSN) Personal Financing
Empower your financial journey with BSN Bank Simpanan Nasional’s personal financing options in Malaysia, catering to both public and private sector employees. Enjoy competitive interest rates and access up to RM200k in financing. Click for more details.
BSN Personal Financing: Summary
- Bank Name: Bank Simpanan Nasional
- Abbreviation / Code Name: BSN
- Category: #ConsumerLoan #personalloan #Bank #BSN
- Bank Promotion Name: General info about personal loan from bank.
BSN Personal Loan Government Sector
Take control of your finances with BSN Bank Simpanan Nasional’s personal loan options in Malaysia. Designed for public and private sector workers, enjoy low interest rates and flexible financing solutions, with funding up to RM200k. Click now for more information and embark on your path to financial freedom!
Personal Loan
- Public Sector
- Private Sector
BSN MyRinggit (Public Sector)
Eligibility
- Malaysian citizen aged 21 years old to 60 years old (subject to retirement age at the end of loan tenure).
- Works in government sector / GLA / GLC / organizations which has the facility of salary deduction through BPA.
- Minimum income of RM1,500 per month.
- Permanent employee who has been employed for 3 months and above.
- Contract / temporary employee (over 12 months’ service).
- BSN Giro/i account holder.
Documents Required
- A copy of NRIC (both sides).
- Confirmation letter from employer; AND
- Latest 2 months’ salary slip.
Loan Info
| Fixed Rate | Floating Rate | |
| Interest Rate | 4.60% to 6.99% | BR + 1.75% to BR + 3.77% |
| Interest Rate Without Insurance | Additional 1% from the above rate | |
| Loan Limit | Minimum: RM5,000 Maximum: RM200,000 | |
| Loan Tenure | Up to 10 years | |
Terms & conditions apply.
Personal Loan BSN MyRinggit (Eksekutif-1)
Our BSN MyRinggit Eksekutif-1 is exclusively designed to help you meet your personal financing needs at affordable rates.
Eligibility
- Malaysian citizen aged 21 years old to 55 / 60* years old (subject to retirement age at the end of the loan tenure).
- Open to permanent & contract officers and staff that have minimum one year of working experience.
- Offered only to employees of Premier Developer Panel, Private Hospital, Telecommunication Company, Licensed Financial Institution, Multinational Company, PETRONAS Group of Companies, Selected Private University & College, Statutory Body, Government Link Company, Selected Public Listed Company in Main Market Bursa Malaysia (Financial, Plantation, Property, Technology, Trading / Service, Industrial Product, Consumer Sectors only) and Professionals (Doctor, Architect, Lawyer, Accountant and other certified Professionals).
- Minimum gross income of RM3,000 per month (permanent staff) & RM10,000 (contract staff).
- Bank Simpanan Nasional GIRO/ i-Account holders.
Note: *Subject to employer confirmation
Documents Required
- A copy of NRIC (front and back)
- A copy of latest 3 months’ payslip
- Latest EPF statement; AND
- Confirmation Letter by Employer stating the below:
– Name
– NRIC
– Designation
– Monthly Salary
– Date of Employment
OR - Latest EA / EC statement and latest e-filing form or any verified documents by the Inland Revenue Board (LHDN).Note: All document copies to be certified by Bank Simpanan Nasional officer.
| Fixed Rate | Floating Rate | |||||||||
| Interest Rate | 6.00% to 8.50% | BR + 5.00% | ||||||||
| Interest Rate Without Insurance | Additional 1% from the above interest rate | |||||||||
| Loan Limit |
| |||||||||
| Loan Tenure | Minimum: 2 years Maximum: 10 years | |||||||||
| Method of Payment | BSN Standing Instruction | |||||||||
Terms & conditions apply.
BSN Pledging Loan
MyRinggit Sandaran Term Deposit
Getting hold of extra funds couldn’t be easier for MyRinggit Term Deposit Certificate Holders. Our MyRinggit Sandaran Term Deposit allows you to secure up to 95% of your BSN Term Deposit value without any guarantor!
Eligibility
- Malaysian citizen aged 18 years and above (not exceeding 65 years old on the loan expiry date).
- BSN Term Deposit authorized certificate holder.
Documents Required
- A Copy of your NRIC (both sides).
- Original certificate of BSN Term Deposit.
- Copy of GIRO/i Passbook / Statement.
Features and Benefits
| Guarantor | Without guarantor required. Just mortgage your Term Deposit Certificate. | |
| Minimum Loan Limit | RM5,000. | |
| Maximum Loan Limit | 95% from your Term Deposit value. | |
| Minimum Loan Period | Two (2) years | |
| Maximum Loan Period | Ten (10) years | |
| Payment Channel | BSN Standing Instruction | |
Rates
The rates for BSN personal loan for MyRinggit Sandaran BSB Term Deposit are as follows:
| Loan Amount | Interest Rate |
| < RM100,000 | BR + 2.50% |
| > RM 100,000 | BR + 2.00% |
MyRinggit Sandaran Term Deposit Monthly Instalment Computation
| Loan Amount | RM99,500.00 | RM100,000.00 |
| Period | 5 years | 5 years |
| Factor | 19.5427 | 19.3096 |
| Loan | Period (year) | Factor | Calculation | Instalment (RM) |
|---|---|---|---|---|
| 99,500 | 5 | 19.5427 | 99.5 x 19.5427 | 1,945 |
| 100,000 | 5 | 19.3096 | 100 x 19.3096 | 1,931 |
Loan Limit*
Loan amount will be in multiple of RM1, 000 and subject to the following limit:
| Minimum | Maximum |
|---|---|
| RM10,000 | RM200,000 (Excluding other charges) |
Rates:
| Tenure | Interest Rate |
| 5 – 30 years or subject to the maximum age of 65 years whichever is earlier. | BR + 1.05% BR + 0.85% |
* Subject to the current Bank’s terms and conditions
*Source: mybsn.com.my
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BSN Personal Financing Reviews
Customer Reviews about BSN Personal Financing
Contact BSN (Bank Simpanan Nasional)
- Tel: +6 03 2162 3222
- Fax: +6 03 2613 1888
- Bank Simpanan Nasional
Wisma BSN, 117, Jalan Ampang,
50450 Kuala Lumpur