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Category: Malaysia

  • Bank Islam: Best Personal Loans in Malaysia!

    Bank Islam: Best Personal Loans in Malaysia!


    Bank Islam

    Explore Bank Islam’s personal loan options designed to empower you on your financial journey. With flexible terms and competitive rates, our personal loans offer the support you need to achieve your goals and dreams. Whether it’s for education, home improvements, or unexpected expenses, Bank Islam is here to help you make it happen. Find out how you can secure your future with confidence today.

    Bank Islam Malaysia Berhad (BIMB) pioneers Islamic banking in Malaysia, boasting the widest network of dedicated Islamic banking channels. Explore BIMB’s personal loan offerings and experience financial solutions tailored to your needs

    Pioneering Islamic Banking in Malaysia

    A Trailblazer in Malaysia’s Financial Landscape

    Established on July 1, 1983, Bank Islam stands as Malaysia’s premier Islamic bank, pioneering Shariah-compliant financial solutions in the region. With an expansive network of over 144 branches nationwide, Bank Islam has been at the forefront of providing banking services grounded in Islamic principles.

    A Legacy of Over Three Decades

    Bank Islam: Spearheading Islamic Finance Since 1983

    For more than 35 years, Bank Islam has been dedicated to offering innovative financial products and services. As the first Islamic bank in Malaysia, its establishment marked a significant milestone in the development of Islamic banking not only within Malaysia but also across the ASEAN region.

    Empowering Professionals with Personal Financing

    Empowering Malaysia’s Professionals

    Bank Islam offers a unique financing program tailored to professionals across various sectors. Designed to meet the diverse financial needs of individuals, this program provides accessible financing solutions for professionals such as medical doctors, dentists, accountants, engineers, lecturers, architects, safety officers, pharmacists, veterinarians, optometrists or opticians, quantity surveyors, and actuaries.

    Eligibility and Requirements

    Unlocking Financial Opportunities

    To qualify for Bank Islam’s Personal Financing for Professionals Program, applicants must meet specific eligibility criteria:

    1. Age Requirement: Applicants must be above 25 years old and not exceed the retirement age at the end of the payment period.
    2. Citizenship: Malaysian citizenship is a prerequisite for eligibility.
    3. Professional Status: Applicants must be employed as professionals in designated fields, including medical, accounting, engineering, education, architecture, occupational health and safety, pharmaceuticals, veterinary medicine, optometry, quantity surveying, and actuarial science.
    4. Stable Income: As fixed-income earners, applicants should have a minimum gross income of RM3,500.

    Personal Financing Options

    Understanding Bank Islam’s Personal Financing-i Non-Package

    Empowering Individuals with Flexible Financing Solutions: Bank Islam’s Personal Financing-i Non-Package provides individuals with a versatile financing solution designed to meet their diverse financial needs.

    Eligibility Criteria for Personal Financing-i Non-Package

    Navigating the Requirements for Accessible Funding: To qualify for this financing solution, applicants must meet specific eligibility criteria outlined by Bank Islam:

    1. Age Requirement: Applicants must be at least 18 years old and not exceed the retirement age at the end of the payment period.
    2. Citizenship: Malaysian citizenship is a prerequisite for eligibility.
    3. Minimum Income: Applicants must have a minimum fixed income of RM3,500 per month.
    4. Employment Status: Applicants must be employed and maintain continuous employment in any of the following sectors, as categorized by Bank Islam:
      • Public Listed Companies

    Exploring Bank Islam’s Personal Financing-i Package

    Customized Financing Solutions for Specific Sectors: Bank Islam’s Personal Financing-i Package caters to individuals employed in specific sectors, offering tailored financing solutions with competitive terms.

    Eligibility Criteria for Personal Financing-i Package

    Navigating the Requirements for Sector-Specific Financing: To qualify for this financing option, applicants must fulfill the following eligibility criteria established by Bank Islam:

    1. Age Requirement: Applicants must be at least 18 years old and not exceed the retirement age at the end of the payment period.
    2. Citizenship: Malaysian citizenship is mandatory.
    3. Minimum Income: Applicants must have a minimum fixed income of RM2,000 per month.
    4. Employment Status: Applicants must maintain continuous employment in any of the following sectors, as specified by Bank Islam:
      • Government Sector
      • Selected Public Listed Companies
      • Subsidiaries of Government or Selected Public Listed Company
      • Other Prominent Private Limited Companies as categorized under package companies listed by Bank Islam

    Bank Islam Profit Rate

    Professional Program

    Introduction

    Bank Islam offers the Personal Financing for Professional Program, providing individuals with financial assistance tailored to their needs.

    Financing Details

    Base Rate (BR) + 1.90%/p.a

    • Financing Quantum: The financing amount is determined based on eligibility criteria, ranging from a minimum of RM10,000 to a maximum of RM300,000.
    • Payment Period: Borrowers can opt for a repayment period of up to 10 years (120 months) or until reaching the retirement age, whichever comes first.

    Financing Rates

    Offer with Takaful Coverage

    • Floating Rate:
      • 1-3 years: Base Rate (BR) + 1.90% p.a. (Profit is calculated on a daily basis using “Monthly Rest”).
      • 4-10 years: Base Rate (BR) + 2.11% p.a. (Profit is calculated on a daily basis using “Monthly Rest”).
      • Note: The revised Base Rate (BR) effective from 10 July 2020 is 2.52% p.a.

    Offer Without Takaful Coverage

    • Floating Rate:
      • 1-3 years: Base Rate (BR) + 3.38% p.a. (Profit is calculated on a daily basis using “Monthly Rest”).
      • 4-10 years: Base Rate (BR) + 5.28% p.a. (Profit is calculated on a daily basis using “Monthly Rest”).
      • Note: The revised Base Rate (BR) effective from 10 July 2020 is 2.52% p.a.

    Non-Package Financing Details

    4.5% /p.a. (Flat)

    • Financing Quantum: Eligible individuals can obtain financing ranging from RM10,000 to RM150,000.
    • Payment Period: Borrowers have the flexibility to repay the loan within a maximum period of 120 months (10 years) or until retirement.

    Financing Rates

    Offer with Takaful Coverage

    • Flat Rate:
      • 1 – 3 years: 4.5% p.a. (Flat). (Profit is calculated on a monthly basis using “Sum of Digit”).
      • 4 – 8 years: 4.9% p.a. (Flat). (Profit is calculated on a monthly basis using “Sum of Digit”).
      • 9 – 10 years: 5.50% p.a. (Flat). (Profit is calculated on a monthly basis using “Sum of Digit”).

    Offer Without Takaful Coverage

    • Flat Rate:
      • 1 – 3 years: 5.5% p.a. (Flat). (Profit is calculated on a monthly basis using “Sum of Digit”).
      • 4 – 8 years: 5.9% p.a. (Flat). (Profit is calculated on a monthly basis using “Sum of Digit”).
      • 9 – 10 years: 6.5% p.a. (Flat). (Profit is calculated on a monthly basis using “Sum of Digit”).

    Bank Islam Personal Financing-i Package

    Financing Details

    Base Rate (BR) + 3.38% /p.a

    • Financing Quantum: Individuals can obtain financing within the range of RM10,000 to RM300,000 based on eligibility.
    • Payment Period: The repayment period extends up to 10 years (120 months) or until reaching the retirement age, whichever is earlier.

    Financing Rates

    Offer with Takaful Coverage

    • Floating Rate (Base Rate [BR]):
      • 1-3 years: Base Rate (BR) + 1.90% p.a. (Profit is calculated on a daily basis using “Monthly Rest”).
      • 4-10 years: Base Rate (BR) + 2.00% p.a. (Profit is calculated on a daily basis using “Monthly Rest”).
      • Note: The revised Base Rate (BR) effective from 10 July 2020 is 2.52% p.a.

    Offer Without Takaful Coverage

    • Floating Rate (Base Rate [BR]):
      • 1-3 years: Base Rate (BR) + 3.38% p.a. (Profit is calculated on a daily basis using “Monthly Rest”).
      • 4-10 years: Base Rate (BR) + 5.28% p.a. (Profit is calculated on a daily basis using “Monthly Rest”).
      • Note: The revised Base Rate (BR) effective from 10 July 2020 is 2.52% p.a.

    Flat Rate Offer

    • With Takaful Coverage:
      • 1-10 years: 4.99% p.a. (Profit is calculated on a monthly basis using “Sum of Digit”).
    • Without Takaful Coverage:
      • 1-10 years: 5.99% p.a. (Profit is calculated on a monthly basis using “Sum of Digit”).

    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.

    Personal Loan Options

    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

    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 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.

    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.

    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.

    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.

    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.

    Repayment Table

    Personal Loan Bank Islam Repayment Table :pinjaman-peribadi-bank-islam-repayment-table

    Contact Bank Islam Malaysia Berhad

    Bank Islam Malaysia Berhad
    Level 32, Menara Bank Islam
    No. 22, Jalan Perak
    50450 Kuala Lumpur

    General Line: +603 2088 8000
    Contact Centre: +603 26 900 900
    Email: contactcenter@bankislam.com.my






    Bank Islam
    Personal Financing Loan Bank Islam Malaysia Berhad BIMB

    Frequently Asked Questions (FAQ)

    Find answers to common questions in our FAQ section. Whether you need help, guidance, or quick tips, we’ve got the information you need! Browse our expert responses and get the solutions you’re looking for—fast and easy.

    What is the first Islamic Banking in Malaysia?

    The first Islamic Banking in Malaysia is Bank Islam Malaysia Berhad or knows as BIMB and is established in year 1983.

    Why should you apply for a personal loan with Bank Islam Malaysia Berhad (BIMB)?

    Applying for a personal loan with Bank Islam Malaysia Berhad (BIMB) ensures you benefit from the expertise of Malaysia’s first Islamic bank. With a reputation built on trust and innovation, BIMB offers tailored financial solutions designed to meet your needs. Enjoy competitive rates, flexible terms, and personalized service, backed by the widest network of dedicated Islamic banking channels in the country. Choose BIMB for peace of mind and financial empowerment on your terms.”

    Why is Islamic banking growing bigger in Malaysia?

    Islamic banking has experienced significant growth in Malaysia for several reasons:

    1. Strong Regulatory Support: Malaysia’s government has actively supported the development of Islamic finance through regulatory frameworks and policies. The establishment of Bank Negara Malaysia (Central Bank of Malaysia) as the regulatory authority for Islamic banking has provided a stable and supportive environment for growth.
    2. Growing Muslim Population: Malaysia has a predominantly Muslim population, which has driven demand for Sharia-compliant financial products and services. Islamic banking resonates with the religious and cultural values of many Malaysians, leading to its widespread acceptance and adoption.
    3. Innovative Products and Services: Malaysian Islamic banks have been proactive in developing innovative Islamic financial products and services to cater to the diverse needs of consumers and businesses. This innovation has contributed to the attractiveness of Islamic banking compared to conventional banking.
    4. International Recognition: Malaysia’s success in developing its Islamic finance industry has gained international recognition, attracting investments and partnerships from global Islamic financial institutions. This has further fueled the growth of Islamic banking in the country.
    5. Financial Inclusion: Islamic banking has played a role in promoting financial inclusion by offering accessible and inclusive financial solutions to segments of the population previously underserved by conventional banks. This has contributed to the expansion of the Islamic banking sector in Malaysia.

    Overall, a combination of supportive regulation, cultural affinity, innovation, international recognition, and a focus on financial inclusion has contributed to the significant growth of Islamic banking in Malaysia.

    What products and services does Islamic banking offer in Malaysia?

    Islamic banking in Malaysia offers a wide range of products and services tailored to meet the needs of customers while adhering to Islamic principles. Some of the key products and services include:

    1. Islamic Financing Products: These include various types of financing facilities such as:
      • Islamic Home Financing (Musharakah Mutanaqisah or Bai Bithaman Ajil)
      • Islamic Auto Financing (Ijarah Thumma Al-Bai or Murabahah)
      • Islamic Personal Financing (Murabahah or Qardh)
      • Islamic Business Financing (Musharakah or Mudharabah)
      • Islamic Working Capital Financing (Murabahah or Bai’ Al-‘Inah)
    2. Islamic Deposit Products: These are savings and investment accounts that comply with Sharia principles, such as:
      • Islamic Current Accounts
      • Islamic Savings Accounts
      • Islamic Fixed Deposit Accounts
      • Islamic Investment Accounts (Mudarabah or Wakalah)
    3. Islamic Wealth Management Services: These services cater to individuals and institutions seeking Sharia-compliant investment opportunities, including:
      • Islamic Unit Trust Funds
      • Sharia-Compliant Asset Management
      • Wealth Advisory Services
    4. Islamic Takaful (Insurance): Takaful is Islamic insurance based on the principles of mutual cooperation, solidarity, and shared responsibility. It offers various types of coverage, including life, health, property, and general takaful.
    5. Islamic Cards: These are Sharia-compliant credit cards and debit cards that adhere to Islamic finance principles, such as not charging interest (riba) or engaging in transactions related to prohibited activities (haram).
    6. Islamic Investment Products: These include Sharia-compliant investment vehicles such as:
      • Islamic Equity Funds
      • Islamic Bond Funds (Sukuk)
      • Islamic Real Estate Investment Trusts (REITs)
      • Islamic Private Equity Funds

    These are just some examples of the products and services offered by Islamic banking institutions in Malaysia. The sector continues to innovate and expand to meet the evolving needs of customers while remaining true to Islamic finance principles.

    Bank Islam: Summary

    • Article Title: Bank Islam
    • Category: #Bank #PersonalLoan 
    • Purpose: #GeneralInformation 
    • Source: Bank Islam official website

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  • MBSB Bank: Best Personal Loans in Malaysia!

    MBSB Bank: Best Personal Loans in Malaysia!


    MBSB Bank Personal Loan

    Discover the ease and flexibility of MBSB Bank personal loan, offering swift approvals and adaptable repayment plans tailored to your needs. Achieve your financial goals with confidence and convenience.”

    Malaysia Building Society Berhad: A Financial Holding Powerhouse

    Introduction

    Malaysia Building Society Berhad (MBSB) stands as the financial holding company of MBSB Bank Berhad, previously known as Asian Finance Bank Berhad. To explore the array of financial products and services provided by MBSB Bank, visit their website at www.mbsbbank.com.

    History in Brief

    The roots of Malaysia Building Society Berhad trace back to the Federal and Colonial Building Society Limited, founded in 1950. Renamed as Malaya Borneo Building Society Limited (MBBS) in 1956, with the Malaysian government as a major shareholder, MBBS was listed on the Stock Exchange of Malaya and Singapore in August 1963.

    Incorporated in Malaysia under the Companies Act 1965 on 17 March 1970, MBSB was subsequently listed on the Kuala Lumpur Stock Exchange, now Bursa Malaysia, on 14 March 1972. Presently, the Employees Provident Fund (EPF) holds the majority stake in MBSB.

    Corporate Highlights

    • Regulatory Compliance: MBSB has been granted an exemption under Section 7(4) of the Borrowing Companies Act 1969 (BCA). Following the transition from BCA to Finance Companies Act (FCA), all references to borrowing business and borrowing company were construed respectively as finance business and finance company. The FCA was later replaced by the Banking and Financial Institutions Act 1989 (BAFIA), which in turn was repealed and replaced with FSA 2013.
    • Strategic Acquisition: On 6 November 2017, MBSB entered into a Share Purchase Agreement with the shareholders of Asian Finance Bank Berhad (“AFB/Vendors”) for the acquisition of the entire equity interest in AFB. The acquisition, valued at RM644,952,807.66, was satisfied by a cash amounting to RM396,894,036.26 and the issuance of 225,507,974 Consideration Shares at an issue price of RM1.10 per Consideration Share.
    • Approval and Integration: Shareholders approved the Acquisition on 23 January 2018, including the transfer of Shariah Compliant Assets and Liabilities of MBSB to AFB via a Members’ Scheme of Arrangement. Following the completion of the transfer of shares and the payment of the balance of the purchase consideration to the Vendors, AFB became a wholly owned subsidiary of MBSB on 7 February 2018. AFB underwent a rebranding exercise on 2 April 2018 and changed its name to MBSB Bank Berhad

    MBSB Personal Financing-i: Tailored Solutions for Your Financial Needs

    Introduction

    Discover the convenience and flexibility of MBSB’s Shariah-compliant personal financing solutions. Whether you’re looking to fund a major purchase, consolidate debt, or cover unexpected expenses, our range of attractive packages is designed to meet your unique financial requirements.

    Competitive Financing Rates

    At MBSB, we understand the importance of affordability. That’s why we offer competitive financing rates to ensure that our customers can access the funds they need without breaking the bank. With financing amounts of up to RM400,000 and flexible repayment tenures of up to 10 years, you can choose a plan that suits your budget and lifestyle. Plus, with no guarantor required and no hidden charges, you can rest assured that you’re getting transparent and straightforward financing solutions.

    Fast Approval Process

    We know that time is of the essence when it comes to financial matters. That’s why our fast approval process ensures that you can access the funds you need when you need them. Whether you’re a public servant or a private sector employee, our financing options are designed to provide you with quick and hassle-free approval, so you can focus on what matters most.

    Financing Options for Public Sector Employees

    For public sector employees, we offer the Mumtaz-i and Afdhal-i financing options, each tailored to meet your specific needs. With competitive interest rates and flexible terms, you can choose the option that best fits your financial situation. Plus, with optional Takaful coverage and no early settlement charges, you can enjoy added peace of mind knowing that you’re protected against the unexpected.

    Financing Options for Private Sector Employees

    If you’re a private sector employee, our financing options are equally designed to provide you with the support you need. With competitive interest rates and financing amounts of up to RM300,000, you can access the funds you need to achieve your financial goals. Plus, with optional Takaful coverage and no early settlement charges, you can enjoy added flexibility and security throughout the repayment process.

    Personal Loan Repayment Table

    MBSB Personal Loan Repayment Table​ For Government Sector (Mumtaz-i)

    Explore the MBSB personal loan repayment table for government sector (Mumtaz-i). With competitive interest rates and flexible terms, this financing option offers convenience and affordability for public servants. Repay your loan efficiently with our transparent repayment schedule, tailored to suit your financial needs. Enjoy peace of mind with optional Takaful coverage and no hidden charges. Experience hassle-free financing with MBSB.

    Profit Rate (p.a.) as low as BR + 2.15% p.a.

    Tenures (Years) RM50,000 RM55,000 RM60,000 RM65,000 RM70,000 RM75,000 RM80,000 RM90,000 RM100,000 RM150,000 RM200,000 RM250,000
    2 2,190 2,408 2,627 2,846 3,065 3,284 3,503 3,941 4,379 6,568 8,757 10,946
    3 1,495 1,644 1,793 1,943 2,092 2,242 2,391 2,690 2,989 4,483 5,997 7,471
    4 1,154 1,270 1,385 1,500 1,616 1,731 1,846 2,077 2,308 3,462 4,615 5,769
    5 946 1,041 1,136 1,230 1,325 1,419 1,514 1,703 1,892 2,838 3,784 4,730
    6 808 889 970 1,050 1,131 1,212 1,293 1,454 1,616 2,423 3,231 4,038
    7 710 780 851 922 993 1,064 1,135 1,277 1,419 2,128 2,837 3,546
    8 636 699 763 826 890 954 1,017 1,144 1,271 1,907 2,542 3,177
    9 579 637 694 752 810 868 926 1,041 1,157 1,735 2,314 2,892
    10 533 587 640 693 746 800 853 959 1,066 1,599 2,132 2,664

    4.80% p.a (Effective Rate) / 2.52% p.a (Flat Rate equivalent for 3 years)

    MBSB Personal Loan Repayment Table​ For Government Sector (Afdhal-i)

    Profit Rate (p.a.) as low as BR + 3.35% p.a.

    Tenures (Years) RM50,000 RM55,000 RM60,000 RM65,000 RM70,000 RM75,000 RM80,000 RM90,000 RM100,000 RM150,000 RM200,000 RM250,000
    2 2,217 2,438 2,660 2,881 3,103 3,325 3,546 3,989 4,433 6,649 8,865 11,081
    3 1,522 1,674 1,826 1,978 2,130 2,282 2,434 2,738 3,043 4,564 6,085 7,606
    4 1,182 1,300 1,418 1,536 1,654 1,772 1,890 2,127 2,363 3,544 4,725 5,906
    5 974 1,071 1,169 1,266 1,364 1,461 1,558 1,753 1,948 2,921 3,895 4,869
    6 836 920 1,003 1,087 1,171 1,254 1,338 1,505 1,672 2,508 3,343 4,179
    7 738 812 886 959 1,033 1,107 1,181 1,328 1,476 2,213 2,951 3,689
    8 665 731 798 864 931 997 1,064 1,196 1,329 1,994 2,658 3,322
    9 608 669 730 791 851 912 973 1,094 1,216 1,824 2,431 3,039
    10 563 619 676 732 788 844 901 1,013 1,126 1,688 2,251 2,814

    6.00% p.a (Effective Rate) / 3.17% p.a (Flat Rate equivalent for 3 years)

    MBSB Personal Loan Repayment Table​ for Private Sector-i

    Discover the MBSB personal loan repayment table for private sector-i. With flexible terms and competitive interest rates, this financing option ensures convenience and affordability for private sector employees. Easily manage your loan repayment with our transparent schedule, customized to meet your financial requirements. Opt for optional Takaful coverage for added peace of mind and enjoy a hassle-free financing experience with no hidden charges. Empower your financial journey with MBSB today.

    Profit Rate (p.a.) as low as BR + 7.95% p.a.

    Tenures (Years) RM50,000 RM55,000 RM60,000 RM65,000 RM70,000 RM80,000 RM90,000 RM100,000 RM150,000 RM200,000 RM250,000 RM300,000
    2 2,322 2,554 2,786 3,018 3,250 3,714 4,179 4,643 6,964 9,285 11,606 13,927
    3 1,628 1,791 1,953 2,116 2,279 2,604 2,930 3,255 4,883 6,510 8,138 9,765
    4 1,290 1,419 1,548 1,677 1,806 2,064 2,322 2,580 3,870 5,160 6,450 7,740
    5 1,085 1,194 1,302 1,411 1,519 1,736 1,953 2,170 3,254 4,339 5,424 6,508
    6 950 1,045 1,139 1,234 1,329 1,519 1,709 1,899 2,848 3,797 4,746 5,695
    7 854 939 1,025 1,110 1,195 1,366 1,537 1,707 2,561 3,414 4,268 5,121
    8 783 861 940 1,018 1,096 1,253 1,409 1,566 2,349 3,131 3,914 4,697
    9 729 802 875 948 1,020 1,166 1,312 1,458 2,186 2,915 3,643 4,372
    10 686 755 824 892 961 1,098 1,235 1,372 2,058 2,744 3,430 4,116

    10.60% p.a (Effective Rate) / 5.73% p.a (Flat Rate equivalent for 3 years)

    Pembiayaan Hebat Kadar Faedah Rendah dan Payout Tinggi

    Keistimewaan Pembiayaan Peribadi

    Bagi warga kakitangan kerajaan berjawatan tetap, mencari pembiayaan peribadi yang sesuai menjadi keutamaan. Salah satu pilihan yang menonjol adalah pembiayaan dengan kadar faedah rendah dan potongan payout yang tinggi.

    Tanpa Guarantor, Dokumen Mudah

    Salah satu kelebihan utama pembiayaan ini adalah ketiadaan keperluan untuk seorang guarantor atau penjamin. Proses permohonan juga sangat mudah dengan dokumen yang ringkas dan tidak rumit.

    Potongan Payout Langsung dari Bank

    Kelebihan yang menarik bagi pemohon adalah semua potongan payout diberikan langsung daripada bank, menjadikan pembiayaan ini lebih fleksibel dan berbaloi. Tiada bayaran upfront atau bayaran proses yang dikenakan, memberikan kelegaan kepada pemohon.

    Pakej Personal Loan yang Unik dari MBSB Tahun 2010

    Pakej Waslah

    Pakej Waslah daripada MBSB menonjol sebagai pilihan yang popular, menawarkan potongan sehingga 75% dari pendapatan. Ini menjadikan pinjaman peribadi MBSB Waslah menjadi pilihan utama kerana potongan yang besar dan kadar faedah yang bersaing.

    Proses Permohonan Mudah

    Untuk semakan kelayakan pinjaman peribadi MBSB, pemohon hanya perlu menghubungi melalui panggilan, SMS, atau WhatsApp dengan menghantar payslip dan penyata gaji terkini. Proses ini cepat dan mudah, membolehkan pemohon mendapatkan keputusan dengan pantas.

    Pembiayaan 2013 MBSB (Tamat)

    Pinjaman peribadi MBSB turut menyertakan ucapan Selamat Menyambut Tahun Baru 2013! Menyambut tahun baru ini, MBSB dengan bangga memperkenalkan tiga (3) produk terbaru yang dilancarkan pada tahun 2013.

    Keistimewaan Promosi

    Promosi ini terhad dari 1 Januari 2012 hingga 28 Februari 2013, menyediakan tawaran menarik untuk tempoh dua bulan sahaja. Kelayakan pinjaman ditingkatkan sehingga 70% dari jumlah pendapatan, berbanding dengan kadar biasa yang hanya 60%.

    Terbuka kepada Pelbagai Kategori

    Pembiayaan ini terbuka kepada kakitangan awam (AG), kerajaan negeri, dan Universiti Awam. Ia juga membenarkan fresh loan dan external overlap, dengan pembiayaan maksimum sehingga RM250,000.

    Prosedur Pembiayaan

    Payout yang tinggi sebanyak 97% (dengan processing fee sebanyak 3.0%) menjadikan pembiayaan ini lebih menarik. Namun, pemohon perlu memastikan penyelesaian blacklist CTOS sebelum memohon.

    Tamatnya Pakej Pinjaman Peribadi MBSB Max-i 2

    Pakej pinjaman peribadi yang popular, MBSB Max-i 2, kini telah tamat. Namun, sepanjang tempoh berkhidmat, ia menawarkan kemudahan yang menarik kepada pemohon.

    Keistimewaan Pakej

    MBSB Max-i 2 menawarkan financing amount sehingga RM250,000, menjadikannya pilihan yang menarik bagi keperluan kewangan yang pelbagai. Yang menariknya, pakej ini menawarkan kadar payout sebanyak 100%.

    Kadar Faedah

    Kadar faedah bagi produk terkini ini dicadangkan pada kadar 4.77%, memberikan penyelesaian kewangan yang berbaloi. Kelayakan pinjaman juga ditingkatkan hingga 70% dari jumlah pendapatan.

    Kemudahan Tambahan

    Pemohon juga dialu-alukan dari badan berkanun seperti Telekom, TNB, LHDN, SSM, dan lain-lain. External overlap dibenarkan, dan pemohon perlu memastikan penyelesaian blacklist CTOS sebelum memohon.

    Walaupun pakej Max-i 2 telah tamat, pelanggan disyorkan untuk mengambil peluang daripada pelbagai pakej pinjaman peribadi yang ditawarkan oleh MBSB. Jangan lepaskan peluang untuk mendapatkan pembiayaan peribadi yang sesuai dengan keperluan kewangan anda.

    MBSB Premium Plus Package dari Bank (Tamat)

    Premiun Plus Package adalah pakej yang ulung dari MBSB Bank dengan tawaran pembiayaan sehingga RM400,000. Bagi mereka yang memerlukan pinjaman yang besar, pakej ini menawarkan kemudahan yang sesuai.

    Keistimewaan Pakej

    Pakej Premium Plus Package menawarkan financing amount sehingga RM400,000, menjadikannya pilihan yang sesuai bagi keperluan kewangan yang besar. Ia juga menyediakan kemudahan overlap dan restructuring deduction payslip, memberikan fleksibiliti kepada pemohon.

    Maksimum Pembiayaan dan Tempoh

    Maksimum pembiayaan bagi pinjaman peribadi MBSB Premium Plus Package adalah RM400,000 atau 15 kali gaji, mana yang lebih rendah. Tempoh pembiayaan maksima adalah 15 tahun atau tidak melebihi umur persaraan 60 tahun. Kadar keuntungan adalah 4.99% flat rate sepanjang tempoh pinjaman.

    Syarat Utama

    Syarat utama untuk memohon adalah pemohon mesti mempunyai gaji minima sekurang-kurangnya RM15,000 termasuk elaun tetap. Payout yang tinggi sebanyak 97% (dengan processing fee sebanyak 3.0%) menjadikan pembiayaan ini lebih berbaloi. Pemohon juga perlu memastikan penyelesaian blacklist CTOS sebelum memohon.

    Pakej Pembiayaan Peribadi MBSB Bank 2012

    Pada tahun 2012, MBSB Bank menawarkan beberapa pakej pembiayaan peribadi yang menarik kepada pelanggan. Berikut adalah ringkasan pakej yang ditawarkan:

    Interest 4.3%

    Pakej ini menawarkan kadar faedah serendah 4.3%. Pemohon perlu mempunyai overlap loan selain daripada MBSB, dengan jumlah overlap sekurang-kurangnya RM50,000. Payout yang ditawarkan adalah sebanyak 93%.

    Interest 4.99%

    Pakej ini menawarkan kadar faedah sebanyak 4.99% dengan payout sebanyak 100%. Ia terbuka kepada kakitangan awam (AG) dan Polis sahaja.

    Interest 5.5% (Waslah)

    Pakej ini dikenali sebagai Waslah, dengan kadar faedah sebanyak 5.5%. Payout yang ditawarkan adalah sebanyak 96%.

    Vaganza

    Pakej Vaganza menawarkan kadar faedah sebanyak 5.5%.

    Pemohon yang mencari pembiayaan peribadi pada tahun 2012 pasti mendapati pelbagai pilihan yang sesuai dengan keperluan kewangan masing-masing daripada MBSB Bank.

    MBSB XChange-i dan Max-i (Tamat)

    Selepas penamatan MBSB Waslah 75% loan, MBSB kini melancarkan dua pembiayaan terbaharu yang dikenali sebagai Pakej Pinjaman Peribadi XChange-i dan pembiayaan peribadi Max-i khas kepada penjawat awam.

    XChange-i

    • Kadar Faedah: 3.99% flat rate (promosi early bird).
    • Jumlah Pembiayaan: Minimum RM50,000 hingga RM200,000.
    • Syarat Utama: Wajib overlap loan bank lain ke MBSB dengan nilai overlap minimum RM30,000. Overlap in-house boleh dimasukkan ke dalam pakej Pinjaman Peribadi Max-i.
    • Tempoh Pembiayaan: Minimum 5 tahun hingga maksimum 20 tahun.
    • Kriteria Penting: Pembiayaan sehingga 65% dari jumlah pendapatan. Pemohon dengan rekod blacklist CTOS perlu menyelesaikan, dan jumlah blacklist di bawah 20,000 layak mendapat kadar istimewa 3.99%.
    • Promosi: Kadar faedah promosi 3.99% sehingga 31 Mac 2012.

    Max-i (Khusus Penjawat Awam)

    • Kadar Faedah: Tertakluk kepada pengumuman terkini.
    • Syarat Utama: Wajib overlap loan bank lain ke MBSB. Overlap in-house boleh dimasukkan ke dalam pakej ini.
    • Tempoh Pembiayaan: Maksimum sehingga umur persaraan atau tertakluk kepada pengumuman terkini.

    Pelanggan MBSB kini mempunyai peluang untuk mendapatkan pembiayaan peribadi dengan kadar faedah yang kompetitif melalui pakej XChange-i dan Max-i. Jangan lepaskan peluang untuk memanfaatkan promosi istimewa sehingga 31 Mac 2012!

    Max-i (Lain-Lain)

    Pembiayaan Personal Financing Max-i dari MBSB kini telah ditamatkan. Namun, sepanjang tempoh berkhidmat, ia menawarkan kemudahan yang bermanfaat kepada pemohon.

    Keistimewaan Pakej

    MBSB Max-i menyediakan pelbagai kemudahan yang termasuk kadar faedah yang kompetitif, jumlah pembiayaan yang fleksibel, dan tempoh pembiayaan yang sesuai.

    Syarat-Syarat Penting

    • Kadar Faedah: Kadar faedah adalah antara 4.99% dan 5.2% flat rate.
    • Jumlah Pembiayaan: Minimum RM3,000 hingga maksimum RM250,000.
    • Tempoh Pembiayaan: Minimum 5 tahun hingga maksimum 20 tahun.
    • Overlap In-house: Skim Max-i hanya untuk overlap in-house personal loan sahaja.
    • Pembiayaan Pinjaman: Maksimum sehingga 65% dari jumlah pendapatan.
    • Blacklist CTOS: Pemohon yang mempunyai rekod blacklist CTOS wajib untuk menyelesaikannya sebelum memohon.

    Waslah 75% (Promosi Tamat)

    Pembiayaan MBSB Waslah 75% menawarkan kemudahan yang hebat dengan kadar faedah yang rendah. Namun, promosi ini kini telah tamat. Ia menawarkan pelbagai kelebihan termasuk interest rendah dan pelan pembayaran yang fleksibel.

    Contact MBSB Bank

    Wisma MBSB
    48, Jalan Dungun,Damansara Heights,
    50490 Kuala Lumpur

    Telephone: 03-2096 3000

    Fax: 03-2096 3292






    MBSB Personal Financing Loan-i

    MBSB Bank: Summary

    • Article Title: MBSB Bank
    • Category: #Bank #PersonalLoan #MBSB 
    • Purpose: #GeneralInformation 
    • Source: Maklumat Agen official website

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  • Koperasi AID: Pinjaman Peribadi Terbaik di Malaysia!


    Koperasi AID Serbaguna Pertanian

    Temui kelebihan pinjaman peribadi terbaik yang ditawarkan oleh kami di Koperasi AID. Dengan kadar yang kompetitif dan kemudahan pembayaran yang fleksibel, kami memastikan pelanggan mendapat penyelesaian kewangan yang sesuai dengan keperluan mereka. Bersama kami, anda dapat merancang perbelanjaan anda dengan lebih yakin dan mengejar impian anda tanpa halangan.

    Semakan Kelayakan Pinjaman Peribadi

    Anda berminat untuk mendapatkan pinjaman peribadi dari Koperasi AID? Jangan risau! Proses semakan kelayakan pinjaman peribadi adalah mudah dan cepat. Kami akan membantu anda melangkah ke arah kewangan yang lebih stabil.

    Pengalaman dengan Koperasi AID

    Pendaftaran Mudah dan Efisien

    Koperasi Serbaguna Pertanian Perusahaan Kemajuan Berhad, lebih dikenali sebagai Koperasi AID, muncul sebagai pilihan utama bagi individu yang mencari pembiayaan peribadi tanpa kerumitan. Pendaftaran dengan koperasi ini tidak hanya mudah tetapi juga efisien, menghilangkan keperluan untuk menghadapi proses yang rumit dan memakan masa.

    Penawaran Borang Pinjaman Peribadi

    Apabila mendaftar sebagai agen atau perunding kewangan dengan Koperasi AID, anda akan diberikan 10 set borang permohonan pinjaman peribadi. Artikel ini memberikan pendedahan terperinci mengenai kriteria kelayakan untuk pinjaman, termasuk proses pengiraan had kelayakan pinjaman serta jenis elaun yang boleh dan tidak boleh diambil kira dalam pengiraan tersebut.

    Latihan dan Panduan Praktikal

    Koperasi AID bukan sahaja menawarkan perkhidmatan pinjaman, tetapi juga menyediakan latihan praktikal dan panduan kepada agen-agen yang baru mendaftar. Ketua jabatan pembiayaan koperasi akan memberikan arahan yang diperlukan untuk memastikan kecekapan dalam penyediaan perkhidmatan kepada pelanggan.

    Pengalaman Peribadi

    Menginjakkan kaki pertama kali di pejabat Koperasi AID di Petaling Jaya, Selangor, adalah pengalaman yang tidak dapat dilupakan. Penerimaan yang baik dan proses yang lancar menjadikan pengalaman itu membangkitkan keyakinan. Pada masa itu, permohonan pinjaman peribadi menjadi sangat popular kerana kemudahan yang diberikan kepada agen luar. Permohonan diluluskan dengan cepat, mencerminkan kejayaan awal koperasi sebelum kemunculan program payout 100% dan MBSB Waslah 75%.

    Produk Pembiayaan Terbaik Koperasi AID 5.99%

    Kadar Keuntungan Rendah

    Salah satu produk pembiayaan yang terbaik dan paling popular dari Koperasi AID adalah yang menawarkan kadar keuntungan yang rendah. Dengan kadar keuntungan tetap sebanyak 5.99%, pemohon dapat menikmati kestabilan dalam pembayaran ansuran tanpa kebimbangan akan kenaikan kadar yang tiba-tiba.

    Proses Cepat

    Pemohon juga dapat menikmati proses pembiayaan yang cepat dengan Koperasi AID. Dalam tempoh standard 3-4 minggu, pemohon dapat menyelesaikan proses permohonan dan menerima kelulusan serta pembiayaan dengan cepat dan mudah.

    Pengeluaran Blacklist

    Bagi pemohon yang mempunyai masalah blacklist, proses pembiayaan dengan Koperasi AID tetap mudah. Cukup dengan mendapatkan surat penyata baki terkini, pemohon masih berpeluang untuk mendapatkan pembiayaan yang diperlukan tanpa terlalu banyak kesulitan.

    Tempoh Pembiayaan Pendek

    Pembiayaan yang ditawarkan oleh Koperasi AID adalah untuk tempoh pendek sahaja, iaitu 10 tahun. Dengan tempoh yang singkat, pemohon dapat menyelesaikan pembayaran pembiayaan dengan lebih cepat, menjimatkan kos dalam jangka masa panjang.

    Fi Yuran Koperasi yang Berpatutan

    Untuk menikmati semua kelebihan produk pembiayaan ini, pemohon hanya perlu membayar fi yuran koperasi sebanyak RM30. Ini adalah fi yang berpatutan mengambil kira manfaat yang diberikan oleh produk pembiayaan Koperasi Serbaguna Pertanian (AID).

    Pakej Pinjaman Peribadi dengan Al-Rajhi Bank

    Kerjasama dengan Al-Rajhi Bank

    Koperasi Serbaguna Pertanian Perusahaan Kemajuan Berhad telah menjalin kerjasama strategik dengan Al-Rajhi Bank sebagai dana utama dalam pakej pinjaman peribadi mereka. Ini membawa kepada penawaran yang lebih menarik dan kelebihan yang meluas kepada pemohon pinjaman.

    Syarat-Syarat Pinjaman (Promosi Tamat)

    Walaupun promosi tamat, pakej pinjaman ini memberikan pelbagai manfaat kepada pemohon. Antara syarat-syarat yang ditawarkan termasuk kadar faedah serendah 7.99% dan tempoh pembiayaan yang luas sehingga 20 tahun. Selain itu, pemohon boleh memperoleh pinjaman sehingga RM200,000, memberi mereka kebebasan kewangan untuk memenuhi keperluan mereka.

    Terhad kepada Kakitangan Kerajaan Berjawatan Tetap

    Perlu diingatkan bahawa pinjaman ini terhad kepada kakitangan kerajaan berjawatan tetap sahaja. Ini adalah untuk memastikan kriteria kelayakan yang ditegakkan dengan ketat bagi memastikan kestabilan kewangan pemohon.

    Alternatif Pinjaman AID

    Bagi mereka yang tidak layak untuk pinjaman ini, Koperasi AID menyediakan alternatif lain yang mungkin sesuai dengan keperluan mereka. Dengan komitmen untuk menyediakan perkhidmatan kewangan yang berkualiti, Koperasi AID terus berusaha untuk memenuhi keperluan pelanggan dengan cara yang terbaik.

    Walaupun pakej pinjaman ini telah tamat promosi, ia menonjolkan keupayaan Koperasi Serbaguna Pertanian Perusahaan Kemajuan Berhad untuk bekerjasama dengan institusi kewangan terkemuka untuk memberikan penyelesaian kewangan yang bermakna kepada masyarakat.

    Pinjaman Peribadi Kadar Faedah Rendah 7.99%

    • Menawarkan kadar faedah 7.99% pada kadar flat.
    • Al-Rajhi Bank sebagai dana utama.
    • Tempoh pembiayaan 20 tahun.
    • Maksimum pinjaman sebanyak RM200,000.
    • Terbuka kepada kakitangan kerajaan berjawatan tetap.
    • Kelayakan untuk CCRIS dan CTOS.

    Contact Koperasi AID

    Koperasi AID,
    9A, Jalan 20/14, Paramount Garden
    46300, Petaling Jaya,
    Selangor Darul Ehsan

    Tel: 03-78758880






    Koperasi AID Serbaguna Pertanian

    Koperasi AID: Ringkasan

    • Tajuk Artikel: Koperasi AID
    • Kategori: #PinjamanPeribadi #Koperasi #AID 
    • Tujuan: #MaklumatAm 
    • Sumber: Maklumat Agen official website

    Pinjaman Koperasi

    Dapatkan Pinjaman Koperasi dengan faedah rendah dan kelulusan pantas! Pilihan terbaik untuk kakitangan kerajaan dan swasta. Ketahui bagaimana anda boleh menikmati pembiayaan fleksibel tanpa tekanan!

    Koperasi Perkasa: Pembiayaan Peribadi Terbaik Anda!

    Pembiayaan Koperasi Perkasa: Koperkasa pilihan terbaik! Dapatkan segala maklumat yang anda perlukan mengenai pembiayaan yang ditawarkan oleh Koperasi Perkasa (KOPERKASA) untuk kestabilan kewangan anda. Klik…



    Pinjaman Koperasi

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  • Agrobank: Best Personal Loans in Malaysia!

    Agrobank: Best Personal Loans in Malaysia!


    Agrobank Personal Loan

    Don’t miss out on the chance to cultivate your financial growth with Agrobank Malaysia’s best personal loan. Apply now and access tailored financing solutions designed to nurture your financial well-being. Whether it’s for agricultural ventures or personal needs, seize the opportunity to grow your finances with Agrobank Malaysia today!

    History

    Establishment and Transformation

    Established in 1969, Agrobank has played a vital role in the development of Malaysia’s agriculture sector. Since July 1, 2015, it has become a fully-fledged Islamic bank, offering Shariah-compliant products and solutions to various customer segments including corporate, commercial, consumer, trade finance, and micro-financing.

    Development and Commercial Roles

    As a Market-Driven, Customer-Centric Development Financial Institution (DFI), Agrobank focuses primarily on strengthening the agriculture sector in Malaysia. It strikes an equal balance between developmental and commercial roles to benefit the agriculture sector.

    Comprehensive Financing Solutions

    From Upstream to Downstream

    Agrobank provides a wide range of financing solutions for the agriculture community, covering upstream activities related to primary food and commodities-based agriculture activities, to downstream activities such as processing, marketing, and distribution of agricultural products. It also offers retail banking financing solutions to enhance the well-being of the agriculture community.

    Customer Service Network

    This is achieved through its network of 192 customer touchpoints including 138 branches, 1 agro banking, 1 virtual banking, 10 commercial financing centers, 34 kiosks, 8 agro corners, and agro points. In 2019, Agrobank celebrates its Golden Jubilee Anniversary, marking 50 years of its proud establishment in developing the agro industry.

    VBI Initiative: Shaping a Sustainable Future

    • VBI or Value-Based Intermediation is an initiative by Bank Negara Malaysia (BNM) which aims to improve the products and services offered by Islamic financial institutions towards better facilitation of entrepreneurship, community well-being, sustainable environment, and economic growth, without compromising on shareholders’ returns.

    Consumer Product & Services

    Hartani-i (Tawarruq)

    Hartani-i serves as a financing solution for Government Servants, Private Sector Employees, and Stable Income Earners seeking to acquire agricultural land. This facility facilitates the purchase of land directly from vendors, through public auctions, or from land auctioned by Bank Pertanian Malaysia Berhad. Agrobank considers financing only if the land possesses an individual title, has been sub-divided, or is awaiting the issuance of an individual title.

    Ar-Rahnu

    Ar-Rahnu offers a short-term Islamic Pawnbroking Facility, enabling customers to access instant cash by leveraging gold items as collateral. This flexible solution provides individuals with a quick and convenient method to secure financing while retaining ownership of their valuable assets.

    AgroCash-i

    AgroCash-i is a personal financing facility designed to meet consumer financing needs primarily related to agriculture and agro-based activities. Utilizing Tawarruq transactions, this product empowers customers to access funds for various purposes, enhancing their financial flexibility and supporting their agricultural endeavors.

    Personal Loan for Government Staff

    Accessible Financing for Government Employees

    Discover Agrobank’s tailored personal loan solution designed to meet the diverse financial needs of government staff. With competitive interest rates, eligible applicants aged between 18 to 60, or up to retirement age, can benefit. Whether confirmed or under probation, applicants must have a minimum gross salary of RM1,000 per month. Enjoy flexible financing options of up to RM200,000, with a maximum tenure of 10 years, ensuring financial empowerment and security. Consider opting for Skim Takaful Kredit for additional peace of mind.

    GLC Staff Personal Loan

    At Agrobank, we recognize the significance of financial empowerment for GLC (Government-Linked Company) staff. Our GLC Staff Personal Loan BR + 3.67% /p.a offers a tailored solution to address your financial needs with ease and convenience.

    Eligibility Criteria Details
    Age Requirement Applicants must be between 21 to 60 years old or up to retirement age, whichever comes earlier.
    Employment Status Permanent staff members of GLCs with at least one year of confirmed service.
    Minimum Gross Salary RM2,000 gross salary per month.
    Optional Takaful Coverage Customers are encouraged to take Skim Takaful Kredit for added protection and peace of mind.
    Loan Details Terms
    Financing Amount Eligible applicants can access financing of up to RM200,000.
    Financing Tenure Flexible repayment options with a financing tenure of up to 10 years.

    Apply Today

    Take the first step towards realizing your financial aspirations with Agrobank. Our streamlined application process ensures quick approval, enabling you to access the funds you need without delay. Contact us today to learn more about our competitive interest rates, flexible repayment terms, and personalized financial solutions tailored to meet your needs.

    AgroBank Cash-i Facility

    Looking for the perfect personal loan solution? Look no further than AgroBank Cash-i personal loan. Tailored for Government Employees and GLC staff, this Shariah-compliant financing option offers a generous financing limit of up to RM200,000. Whether you’re consolidating debts or funding a home renovation project, AgroBank has you covered. Apply now and take control of your financial future!

    AgroBank Cash-i facility caters to consumer financing needs, particularly in agriculture and agro-based activities. Utilizing Tawarruq transactions, AgroBank Cash-i Personal Loan ensures efficient implementation, providing customers with access to funds for various agricultural ventures and related expenses. This Shariah-compliant financing solution aligns with the principles of Islamic banking, offering customers a reliable and ethical means to support their agricultural endeavors and contribute to the growth of the agricultural sector.

    Eligibility Criteria Government Employees GLC Staff
    Age Requirement 18 to 60 or up to retirement age, whichever is earlier 21 to 60 or up to retirement age, whichever is earlier
    Eligibility Permanent and have served for at least 6 months (confirmed or under probation) Permanent staff and have been confirmed with at least one year of service
    Minimum Salary Requirement RM1,000 gross salary per month RM2,000 gross salary per month
    Takaful Coverage Customers are encouraged to take Skim Takaful Kredit for added protection and security

    Agrobank Cash-i

    AgroBank Cash-i personal loan is a Shariah-compliant financing facility that caters to consumer financing needs, particularly in agriculture and agro-based activities. Utilizing Tawarruq transactions, AgroBank Cash-i Personal Loan ensures efficient implementation, providing customers with access to funds for various agricultural ventures and related expenses. This Shariah-compliant financing solution aligns with the principles of Islamic banking, offering customers a reliable and ethical means to support their agricultural endeavors and contribute to the growth of the agricultural sector.

    Eligibility Criteria Government Employees GLC Staff
    Age Requirement 18 to 60 or up to retirement age 21 to 60 or up to retirement age
    Eligibility Permanent and have served for at least 6 months (confirmed or under probation) Permanent staff and has been confirmed with at least one year of service
    Min. Salary Requirement RM1,000 gross salary per month RM2,000 gross salary per month
    Takaful Coverage Customer is encouraged to take Skim Takaful Kredit

    Financing Options and Payment Periods

    AgroBank Cash-i personal loan offers various financing options and flexible payment periods tailored to meet the diverse financial needs of customers:

    • Financing Quantum: Ranging from a minimum of RM10,000 to a maximum of RM200,000, providing customers with access to substantial funds.
    • Payment Period: Extending up to 10 years (120 months) or until the borrower reaches retirement age, whichever comes earlier, offering flexibility in repayment.

    Profit Rates and Additional Features

    • Profit Rates: Subject to eligibility and current market conditions, with rates ranging from BR + 2.85% p.a to BR + 3.67% p.a for eligible applicants. Customers with unsatisfactory credit assessments may incur higher profit rates.
    • Ceiling Profit Rate (CPR) and Effective Profit Rate (EPR): Capped at BR + 7.15% p.a or 10% p.a, ensuring transparency and adherence to Shariah principles.

    By understanding the eligibility criteria, financing options, and profit rates associated with AgroBank Cash-i personal loan, customers can make informed decisions and access the financial support they need for their agricultural endeavors.

    Fees and Charges

    Stamp Duty

    Stamp Duty is levied in accordance with the Stamp Act 1949 (Revised 1989). This statutory requirement ensures compliance with legal obligations and regulations pertaining to financial transactions.

    Advanced Installment

    AgroBank offers the option for advance payment of installments, providing customers with the opportunity to settle three (3) months’ worth of installments in advance. These advanced payments serve as a buffer against default, contributing to the smooth management of the financing arrangement.

    • The amount equivalent to three (3) month installments is deducted from the financing amount.
    • Advance installments are deducted before the financing is matured or settled, enhancing financial planning and management.

    Brokerage Fee

    A brokerage fee of RM 30 per transaction is applicable, subject to Service Tax at a rate of 6% if applicable. This fee covers administrative costs associated with facilitating transactions and ensuring efficient service delivery to customers.

    Note: AgroBank is committed to transparency and customer satisfaction. Any changes to fees and charges will be communicated to customers at least 21 days before the effective date, ensuring clarity and informed decision-making.

    Contact Agrobank

    Agrobank Malaysia My office
    Leboh Pasar Besar, City Centre,
    50050 Kuala Lumpur

    Telephone: 603-2731 1600 +6 03 2079 0600 (INTL)
    Contact Centre: 1-300-88-2476






    Agrobank Personal Loan
    Pinjaman Peribadi AgroBank Personal Loan

    Frequently Asked Questions (FAQ)

    Find answers to common questions in our FAQ section. Whether you need help, guidance, or quick tips, we’ve got the information you need! Browse our expert responses and get the solutions you’re looking for—fast and easy.

    What types of financing solutions does Agrobank offer for the agriculture community?

    Agrobank provides a comprehensive range of financing solutions tailored to the needs of the agriculture community. These solutions cover a wide spectrum, from upstream activities related to primary food and commodities-based agriculture, to downstream activities such as processing, marketing, and distribution of agricultural products. Additionally, Agrobank also offers retail banking financing solutions aimed at enhancing the overall well-being of the agriculture community.

    Agrobank: Summary

    • Article Title: Agrobank
    • Category: #Bank #PersonalLoan #AgroBank 
    • Purpose: #GeneralInformation 
    • Source: Agrobank official website

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