RHB Bank

Looking to achieve your financial goals and unlock greater flexibility? Explore RHB Bank’s diverse range of personal financing solutions designed to cater to your unique needs. Whether you’re a private sector employee seeking quick access to funds or a government servant looking for hassle-free loans, RHB Bank has you covered. With competitive rates, flexible repayment options, and dedicated customer service, embark on your journey towards financial freedom today.

Introduction

RHB Bank presents an exclusive personal financing solution designed specifically for government servants. With attractive features and competitive rates, RHB personal financing for government servants offers financial flexibility and convenience to meet various needs and aspirations. Let’s delve into the details of this advantageous loan product.

Loan Features

1. No advance payment: Unlike traditional loans that may require upfront payments or deposits, RHB personal financing for government servants eliminates the need for any advance payment, ensuring a hassle-free borrowing experience from the start.
2. Promotion rate as low as 4.20% (flat rate): Benefit from promotional interest rates as low as 4.20% (flat rate), allowing you to enjoy cost-effective financing solutions and save on interest expenses over the loan tenure.
3. Loans from RM2,000 to RM150,000: Whether you need a modest sum or a larger amount to fulfill your financial goals, RHB personal financing for government servants offers loans ranging from RM2,000 to RM150,000, providing you with the flexibility to borrow according to your needs.
4. Repayment tenure from 2 to 10 years: Choose a repayment tenure that suits your financial capability and preferences, with options ranging from 2 to 10 years. This flexibility allows you to manage your repayments effectively and comfortably.
5. No guarantor needed: Say goodbye to the hassle of finding a guarantor, as RHB personal financing for government servants does not require any guarantor, simplifying the application process and expediting loan approval.

Terms and conditions

As with any financial product, terms and conditions apply to RHB personal financing for government servants. It is essential to review and understand these terms before proceeding with your loan application to ensure a smooth and transparent borrowing experience.

RHB Personal Financing

Empowering Your Financial Journey

Whether it’s celebrating life’s milestones, seizing new opportunities, or embarking on meaningful ventures, RHB Bank’s personal financing is here to support you every step of the way. Our comprehensive financial solutions not only help you achieve your dreams but also ensure better management of your finances, including debt consolidation to cater to your loved ones’ needs.

Eligibility and Benefits

Private Sector

• Profit Rate: As low as 8.18% p.a. (equivalent to 15% p.a.)
• Benefits:
  • Financing of up to RM150,000
  • On-the-spot approval and disbursement
  • As low as RM57.54/month
  • Up to 7 years tenure
  • Debt consolidation

Tiered Financing Options

We offer tiered financing options to suit various needs and financial capacities:

Tier 1:

• Financing Amount Capping: RM2,000 – RM10,000
• Interest Rate (p.a.): 13.45%
• Maximum Financing Tenure: 5 Years (60 Months)

Tier 2:

• Financing Amount Capping: RM11,000 – RM15,000
• Interest Rate (p.a.): 13.45%
• Maximum Financing Tenure: 5 Years (60 Months)

Tier 3:

• Financing Amount Capping: RM16,000 – RM50,000
• Interest Rate (p.a.): 11.66%
• Maximum Financing Tenure: 7 Years (84 Months)

Tier 4:

• Financing Amount Capping: RM100,000 – RM150,000
• Interest Rate (p.a.): 8.18%
• Maximum Financing Tenure: 7 Years (84 Months)

Repayment Methods and Flexibility

• Monthly Repayment Method:
  • Self-payment
  • Auto debit instructions
  • Instant approval & disbursement

Interest Rates and Terms

• Interest Rates: Vary based on the repayment period, starting from 12 months onwards.
• Effective Interest Rate (EIR): The EIR may be higher if the monthly payment is irregular.
• Tiered Interest Rates:
  • Tier 1: 13.45% p.a. flat (equivalent to EIR 24% p.a.)
  • Tier 2: 11.66% p.a. flat (equivalent to EIR 21% p.a.)
  • Tier 3: 9.91% p.a. flat (equivalent to EIR 18% p.a.)
  • Tier 4: 8.18% p.a. flat (equivalent to EIR 15% p.a.)

Resources and Support

• Repayment Table: [Please click here to view the RHB Bank personal loan repayment table.]
• Interest Rate Table: [Please find here to view the RHB Bank Personal Loan Interest Rate Table]
• Terms and Conditions: [Please find here to view our RHB Bank Personal Loan Terms and Conditions]
• Download Personal Financing Forms: [You may download the RHB Bank Personal Loan PF Forms here]

Personal Financing for Government Servants

Fulfill Your Financial Needs Hassle-Free

RHB Bank presents a tailored personal financing solution exclusively for government servants, designed to meet your financial requirements with ease and convenience. With no advance payment required and attractive promotional rates starting as low as 4.20% (flat rate), our personal financing offers a host of benefits to empower your financial journey.

Key Features and Benefits

• No Advance Payment: Experience hassle-free access to financing without any upfront payments.
• Promotion Rate: Enjoy competitive rates as low as 4.20% (flat rate), ensuring affordable repayment options.
• Flexible Loan Amounts: Avail loans ranging from RM2,000 to RM150,000, catering to a wide range of financial needs.
• Extended Repayment Tenure: Choose repayment periods ranging from 2 to 10 years, offering flexibility to match your financial capabilities.
• No Guarantor Required: Simplify the application process with no need for a guarantor, streamlining your path to financial assistance.

Terms and Conditions

As with any financial product, certain terms and conditions apply. We encourage you to review the terms carefully to ensure a clear understanding of the loan agreement.

Empower Your Financial Journey Today

With RHB Bank’s personal financing for government servants, achieving your financial goals has never been easier. Whether it’s funding personal ventures, managing expenses, or pursuing life’s aspirations, our comprehensive financing solution provides the support you need.

*Terms and conditions apply.

Personal Financing-i for Private Sector Employees

Unlocking financial solutions tailored to your needs, RHB Bank offers Personal Financing-i exclusively for private sector employees. Experience easy access to funds with faster processing times. Contact your nearest branch today to learn more about this exclusive opportunity.

Contact Information

Customer Care Centre

Our dedicated customer service team is committed to providing assistance for any queries, complaints, or feedback you may have. Reach out to us through the following channels:

• Phone: 03-9206 8118
• Email: customer.service@rhbgroup.com

For email communications, kindly include the following details to facilitate efficient assistance:

• MyKad Identification Number/Passport Number
• RHB Bank Account Number
• Contact Number

Complaints and Feedback Handling

Rest assured, our specialists will diligently address any complaints or feedback you raise. Here’s how we handle your concerns:

• Resolution Timeline: Upon receiving your complaint or feedback, our customer service officer will contact you within 2 working days.
• Efficient Resolution: We strive to resolve all issues promptly and amicably, ensuring your satisfaction.
• Compliments and Suggestions: If you have a compliment or suggestion, rest assured it will be shared with the relevant teams to enhance our services.

Insurance Related Matters

For inquiries related to insurance products, please contact us at 1300-220-007 from Monday to Thursday (8.45am – 5.40pm) and Friday (8.45am – 5.45pm). Alternatively, visit our RHB Bank Insurance page for comprehensive information on insurance offerings.

At RHB Bank, we are dedicated to providing exceptional service and support to meet your financial needs. Contact us today to embark on a seamless financial journey tailored just for you.

Pembiayaan RHB IDSB

Pembiayaan Peribadi i-RHB Islamic adalah BERKONSEPKAN KOMODITI MURABAHAH MELALUI TAWARRUQ. Kadar keuntungan adalah 3.15% setahun (2 tahun), 3.99% bagi tempoh (3-10 tahun). Jadi jika anda ingin membuat permohonan pinjaman peribadi IDSB RHB Bank Islamic ini untuk tempoh 10 tahun yakni tempoh maksima pembiayaan, maka interest yang dikenakan adalah 3.99% flat rate dari tahun pertama sehinggalah tahun kesepuluh tempoh pembiayaan.

Bagi kakitangan kerajaan negeri atau GLC terpilih, anda akan menikmati kadar interest rate 3.50% iaitu kadar yang sagant istimewa untuk anda apply. Kadar keuntungan 3.50% itu adalah kadar rata ataupun flat rate selama (2 tahun). Bagi mereka yang ingin memanjangkan tempoh pembiayaan, interest rate akan menjadi 4.50% selama (3-10 tahun). Ya, bagi kakitangan kerajaan neger (state government) dan GLC terpilih, semua potongan adalah melalui potongan gaji majikan (PGM).

Pinjaman peribadi Idsb Rhb Islamic ini sememangnya pembiayaan yang popular bagi kakitangan kerajaan kerana berdasarkan beberapa faktor iaiatu kadar keuntungan rata serendah iaitu 3.15%*, jumlah pembiayaan maksimum sehingga 200K dan nisbah pembayaran tunai dalam tangan setinggi iaitu 98%.

Selain itu, tempoh fleksibel sehingga 10tahun dan bayaran bulanan mudah menerusi potongan gaji membuatkan peminjam tidak perlu berfikir atau melakukan apa-apa seperti tidak perlu ke kaunter bayaran RHB Bank untuk membuat bayaran bulanan. Ini kerana semua transaksi bayaran adalah dipotong secara otomatik melalui skim potongan gaji majikan (PGM).

Selain itu, pinjaman peribadi IDSB RHB Islamic juga tiada penjamin, tiada cagaran dan tiada yuran pentadbiran membuatkan ramai peminjam terpesona untuk menghantar application kepada kami di IDSB.

*Tertakluk terma dan syarat. Untuk kakitangan kerajaan persekutuan bagi tempoh pembiayaan 2 tahun. Kadar serendah 3.15% setahun bersamaan kadar efektif dari 5.94% – 7.49% setahun. Tempoh kempen dari 1 Ogos 2019 sehingga 31 Januari 2020.

Kelebihan

Jika dibuat perbandingan di antara beberapa buah bank terkemuka, berikut adalah kelebihan pinjaman peribadi IDSB RHB berbanding bank-bank lain.

1. Bank RHB: nishah pembayaran ataupun payout 98% dan boleh menyelesaikan akaun tertunggak.
2. Bank R: nisbah pembayaran atau loan payout adalah 84% sahaja dan tidak boleh menyelesaikan masalah akaun tertunggak dari bank atau mana-mana koperasi.
3. Bank I: nisbah pembayaran payout 95% sahaja dan tidak boleh menyelesaikan akaun tertunggak.
4. Bank B: payout atau nisbah pembayaran adalah 97% dan juga tidak boleh menyelesaikan akaun tertunggak.

Jadi jelas di sini bagaimana pinjaman peribadi IDSB RHB Islamic adalah pembiayaan yang terbaik untuk anda pilih. Tetapi sekiranya anda mempunyai masalah hutang tertunggak atau sudah tidak dapat membayar hutang sehingga bertimbun-timbun yang mengakibatkan anda disenaraihitam, anda boleh memohon pinjaman peribadi Yayasan Ihsan Rakyat (YIR).

Loan Yayasan Ihsan Rakyat tidak melihat rekod ccris, ctos, spika, ctos credit score dan lain, tetapi jika ctos credit score anda terlalu rendah atau anda diisytiharkan muflis, itu sahaja sebab yang membuatkan anda tidak layak memohon loan Yayasan Ihsan Rakyat.

Syarat Kelayakan

Syarat-syarat memohon pinjaman peribadi IDSB RHB Islamic adalah seperti anda mesti warganegara Malaysia berumur minimum 18 tahun ke atas dan umur maksimum adalah 58 tahun semasa tamat tempoh pembiayaan. Selain itu, kelayakan lain adalah seperti pendapatan bulanan tetap minimum RM2,000 termasuk elaun tetap dan status pekerjaan anda adalah berjawatan tetap. Insyaallah anda akan mendapat peluang untuk kelulusan loan IDSB Rhb Islamic ini.

Juga dikenali sebagai payslip AG atau fully government payslip memang layak memohon tanpa sebarang keraguan. Asalkan kelayakan loan tidak melebihi 60% sudah. Jika over 60% loan, anda besar kemungkinan akan mendapat surat tatatertib dari pihak majikan anda dan mungkin akan menyukarkan anda untuk membuat pinjaman pada masa akan datang.

Kakitangan awam negeri iaitu state government seperti pejabat setiausaha kerajaan negeri pahang, SUK Perak, kerajaan Negeri Selangor, PKNS, state government Sabah dan Sarawak dan mana-mana negeri adalah layak memohon.

Ikhtiar Destinasi 3.99% 100 % Payout (Tamat)

Dahulu sangat dikenali kerana interest rate yang sama seperti bank kerana pernah mendapat kerjasama dari Bank Kuwait Finance House (KFH). Kini menjalin kerjasama dengan RHB Bank. Terbuka kepada kakitangan kerajaan berjawatan tetap dan polis sahaja. Untuk mendapatkan loan ini, pemohon harus ke cawangan RHB Bank yang berdekatan dan membuat permohonan di sana.

• Pembiayaan peribadi yang sangat popular kerana menawarkan islamic personal financing kepada penjawat awam. Mempunyai kod potongan tersendiri tetapi masih melalui skim potongan gaji majikan (PGM).
• Interest rate personal financing 3.99% flat rate.
• Payout 100% (peminjam dapat penuh dari jumlah pembiayaan).
• Tidak melalui potongan biro angkasa tetapi melalui potongan gaji majikan (PGM).
• Perlu mendapatkan pengesahan dari Unit Gaji/ Bahagian Kewangan/ Guru Besar (majikan) bagi semua dokumen termasuk Surat Kebenaran Pemotongan Gaji yang berwarna biru. Surat kebenaran tersebut tidak boleh disalinfoto (fotostat).
• Tempoh pembiayaan 20 tahun. Boleh overlap pinjaman lama yang tinggi interest.
• Proses loan dalam masa 2-4 minggu.

Contact RHB Bank

Ground Floor RHB Bank Centre
426, Jln Tun Razak
Kelab Golf di Raja Selangor
50400 Kuala Lumpur

Tel: 03-9206 8118 (Customer Service) / 03-9281 3030 (Center)