Skim Pembiayaan Progres-i merupakan satu skim pembiayaan yang telah ditawarkan oleh OCBC Bank kepada orang ramai di Malaysia.
OCBC bank telah menawarkan jumlah pinjaman paling minimum sebanyak RM1,000 manakala RM20,000 sahaja paling maksimum bagi tempoh 2 tahun dan 10 tahun masing-masing.
Pinjaman ini hendaklah dibuat berdasarkan kepada kelayakan – kelayakan seperti berikut :
Dokumen yang perlu dilampirkan untuk mengemukan permohonan pinjaman adalah seperti berikut :
Peminjam akan menikmatu kadar keuntungan tahunan serendah dari 6.99% sehingga 17.88% manakala 13.5% sehingga 26.58% masing-masing bergantung kepada jumlah serta trmpoh pinjaman yang dilakukan.
Pemohon tidak perlu mengemukakan sebarang penjamin ataupun cagaran untuk membuat permohonan pinjaman.
Antara manfaat yang diterima oleh peminjam adalah :
*Diingatkan kepada peminjam bahawa peminjam diwanibkan untuj membuat perlindungan takaful.
Sebarang kelewatan dalam pembayaran ansuran bulanan dengab jumlah yang tertunggak, 1% setahun akan dikenakan caj dan dikira dari tarikh ansuran bulanan perlu dibayar sehingga tarikh bayaran sepenuhnya diterima oleh pihak bank.
Sekiranya bayaran ansuran diselesaikan dalam separuh penggal pertama bagi tempoh pinjaman , jumlah penyelesaian awal yang berjumlah RM150 ataupun jumlah bersamaan 2.5% daripada baki pinjaman akan dikenakan caj bergantung kepada nilai mana satu yang lebih tinggi.
Caj lewat bayar: 1% setahun ke atas jumlah tertunggak, dikira daripada tarikh perlu dibayar sehingga tarikh bayaran penuh diterima.
Sebarang pertanyaan dan maklumat yang lebih terperinci, anda boleh mengunjungi mana-mana bank cawangan ocbc yang berdekatan.
Semoga perkongsian ini, memudahkan urusan sebagai salah satu rujukan untuk membuat pinjaman OCBC Bank.
Pinjaman peribadi easy RHB merupakan kumpulan perbankan yang telah memperkenalkan konsepnya melalui perbankan mudah iaitu ‘easy’ di setiap cawangannya sendiri. Menurut pengarah urusan kumpulan perbankan easy RHB ini, konsep ini membolehkan pelanggan intuk sebarang urusan perbankan harian mereka yang hanya memperuntukkan masa beberapa minit sahaja.
Umumnya, semua orang tahu bahawa segala urusan melalui perbankan terutama pinjaman peribadi perlu dilakukan dengan menggunakan borang, namun sebaliknya pula bagi urusan perbankan ke atas pinjaman peribadi easy RHB. Pelanggan hanya perlu menggunakan Mykad mereka sahaja untuk melakukan sebarang urusan.
Perkembangan easy RHB telah semakin luas dan telah mensasarkan 50 cawangan easy pada masa akan datang. Konsep perbankan mudah easy RHB ini telah mengeluarkan beberapa produk selain daripda pinjaman peribadi. Antara yang mendapat perhatian hebat daripada pelanggan easy RHB sendiri adlah pinjaman peribadi yang dikatakam sangat mudah dan mengambil masa yang cepat dalam pemprosesannya.
Pinjaman peribadi Easy RHB telah mengehadkan jumlah pinjaman sebanyak RM150,000.00 paling maksimum yang bergantung juga kepada kelulusan kredit. Setakat ini, jumlah minimum yang boleh dibuat adalah sejumlah RM2,000 sahaja.
Easy-pinjaman telah membuat kemudahan pinjaman peribadi di mana tiada faedah telah dikenakan lebih awal ke atas jumlah pinjaman yang telah mendapat kelulusan. Faedah juga trlah dikira terlebih dahulu untuk keseluruhan tempoh.
Kaedah pengiraan kadar pokok (prinsipal) serta faedah akan menjadi peratusan yang lebih besar nilainya pada awalnya pada peringkat permulaan tempoh ansuran bulanan.
Berikut meruoakan kriteria yang diperlukan oleh pihak bank easy RHB yang dikenakan ke atas pekanggan bagi melayakkan mereka membuat permohonan pinjaman peribadu easy RHB.
Dokumen yang perlu dikemukakan bagi pelanggan yang bergaji tetap adalah :
Dokumen yang perlu dikemukakan bagi pelanggan yang memperoleh pendapatan secara komisyen pekerja yang berstatus gaji tetap.
Beberapa ciri-ciri pinjaman telah ditetapkan oleh pihak perbankan easy RHB. Antaranya adalah :
Kadar faedah bersamaan kadar efektif iaitu sebanyak 15% hinggan 24% setahun bergantung kepada tempoh serta jumlah pinjaman yang dibuat.
Pelanggan diwajibkan untuk mengambil perlindungan takaful dan juga insurans daripada pihak bank ataupun daripada pihak lain asalkan memiliki perlindungan sewaktu tempoh pinjaman.
Kelewatan daripada pihak pelanggan untuk membuat pembayaran akan dikenakan caj sebanyak 1% setahun ke atas bagi jumlah ansuran bulanan yang mengalami tunggakan dari tarikh diperlukan bayar sehingga tarikh penyelesaian bayaran.
Berikut merupakan bebrapa manfaat yang diperolehi pelanggan sekiranya membuat pinjaman peribadi easy RHB. Antaranya :
Denda akan dikenakan sebanyak RM200.00 pada segiap pembayaran balik yang lebih awal sekiranya pinjaman diselesaikan dalam tempoh 6 bulan pertama daripda tarikh pinjaman diluluskan. Kadar faedah juga akan dikira semula jika pembayaran dibuat penuh ataupun sebahagian sebelum tempoh denda dikeluarkan.
Bagi mendapatkan maklumat lebih terperinci berkenaan pinjaman peribadi easy RHB anda boleh mengunjungi mana-mana cawqngan Easy RHB bagi mendapatkan maklumat yang lebih terperinci.
So what is ECOF-i?
ECOF-I is a short form for Islamic Effective Cost of Fund. This is the term used by MBSB to define Base Rate or Base Lending Rate.
MBSB Personal Financing-I (PF-i) is a personal loan for employees working in the private sectors. Before this, only employees working in the public sectors were able to apply for MBSB personal loan package and they were the only ones that were able to enjoy competitive interest rates. This personal loan is compliant to Shariah principles and based on the concept of Tawarruq and Murabahah. As it is an unsecured loan in nature, you do not need to provide any guarantor or collateral to apply for this personal loan.
As a start, the loan financing amount for this personal loan starts from as low as RM10000 to as high as up to RM300000 and this makes it one of the highest loan financing amount available in Malaysia as of now. However, the loan amount that you can borrow also depends on your gross income and credit ratings such as CCRIS and CTOS.
To make things even more interesting, the interest rate for MBSB personal loan is not the typical flat or fixed rate that you usually see from personal loan packages offered by other banks in Malaysia. MBSB calculates its interest rate on a monthly basis and its effective interest rate is very much lower than the effective rates of personal loan packages by other banks in Malaysia.
MBSB’s personal loan interest rate uses MBSB’s Islamic Effective Cost of Financing (ECOF) + 4.1%. With the current ECOFR, you will get approximately 6.50% is a decent monthly interest rate.
You can do your monthly loan repayment at the MBSB payment counter.
There will be a handling fee of RM120 for the loan application. If you transfer the money through interbank, there will be another RM4 per transaction. In addition, you have to buy Takaful insurance coverage to apply for this MBSB Personal Financing-i. If you are late for your monthly repayments, MBSB will impose a 1% late penalty fee based on the outstanding amount.
This MBSB personal loan is only open to all Malaysian citizens with full employment and working in a company for at least a minimum of 2 years. Despite that the personal loan is a personal loan for employees working in the private sector, it is only available to employees working in large public listed companies, multinational companies, and Government Linked Companies.
Furthermore, the loan applicant age requirement is between 21 years and not more than 60 years old by the end of the loan tenure. In terms of Takaful coverage, the loan applicant has the option of not to buy it because it is not compulsory.
A photocopy of MyKad for front and back
Latest 3 months’ salary slips or statements
Employment confirmation letter stating full name, job designations, years of employment, and other relevant details
Latest bank statements where the company credits the salary to
A photocopy of MyKad for front and back
A photocopy of Business Registration Documents
Latest LDHN form or Form B
Latest 6 months company bank statements
All other supporting documents required by MBSB should it be necessary
It is important for you to understand that as a company, MBSB is not under the control or jurisdiction of Bank Negara. Therefore, there is no Perbadanan Insurans Deposit Malaysia (PIDM) protection on your money. However, MBSB has a legal financial license that was directly granted by the Ministry of Finance in Malaysia.
MBSB stands for Malaysian Building Society Berhad and the company has been operating and providing financial services to Malaysians for more than 50 years. Although it is not a bank, MBSB has a special exemption from the Malaysian Government to operate as a finance company in the country. Therefore, MBSB has the permission to operate a wide range of finance-based businesses including savings accounts, student loans, personal loans, and others without complying with Bank Negara policies. To sum it up, the Malaysian Government and Employee Provident Fund (EPF) owns MBSB.
Maybank Personal Loan is a conventional and a personal loan that does not comply with Islamic and Shariah principles. This personal loan allows you to apply for a loan amount from RM5000 up to RM100000 with a minimum of 2 years to a maximum of 6 years of loan repayment period but the interest rates will be different depending on the loan amount. For interest rates, Maybank offers few tiers. The highest interest rate is 8% and it is applicable to loan amounts from RM5000 to RM20000. The general rule of the thumb here is that you will be able to enjoy better and lower rates with a higher loan amount. Maybank also promises that they will approve this personal loan application within the first 24 hours and you do not need to provide a guarantor or collateral.
Please see the following list for the three level interest rates tiers:
As you can see, the higher your loan amount, the lower your interest rate is. However, please take note that these interest rates are fixed or flat rates. The Effective Interest Rates (EIR) will be twice the value. Therefore, the Effective Interest Rates for this personal loan ranges from 11.53% up to 14.68% and this depends on the loan tenure.
This Maybank Personal Loan is only open to all Malaysian citizens. The minimum age requirement is between 21 years old to 60 years old by the end of the loan tenure. You will also need to have a minimum gross monthly income of RM2500 to apply for this personal loan. Although this personal loan is a private sector loan, all Malaysian citizens can still apply for it.
In order to receive your loan, you need to have a Maybank savings or current account. The loan will then be credited to your savings or current account.
In contrast to other banks that charges 0.5% of the total loan amount as the stamp duty, Maybank does not charge any processing fees and stamp duty. This allows you to save that 0.5%. But, if you are late for any monthly repayments, Maybank will impose a penalty of 1% per annum on you and if you choose to settle your loan repayment earlier, Maybank will charge you RM200 or 3% of your total loan amount and the bank will choose whichever that has a higher amount. All charges are exclusive of 6% GST.
You are also required to buy the Maybank Personal Care Insurance Protection policy in order to apply for this personal loan. Maybank Personal Care Insurance Protection policy will protect you against remaining outstanding amount of up to RM100000 if something unfortunate happens to you during the tenure of the loan.
The premium for the insurance depends on the financing amount, the age of the loan applicant, and other factors. You can also choose to reduce the premium payment from the financing amount.
Photocopy of MyKad for front and back
Latest 3 months’ salary slips
Latest B/E tax form with receipts attached
Latest 6 months bank account statements
Photocopy of MyKad for front and back
Photocopy of Business Registration Form
Latest B/E tax form with receipts attached
Latest 6 months bank account statements
This Maybank Personal Loan package is not compliant with the Islamic and Shariah principles. While the interest rates are flat, it is a lot higher when you convert them to effective interest rates. However, the advantage of it is that you are able to enjoy lower interest rates by having a higher loan financing amount.
You can apply for a loan amount of up to maximum 8 times of your gross monthly income
The maximum loan amount for financing is RM100000
The loan tenure is from a minimum of at least 6 months to a maximum of up to 5 years
This CIMB Cash Plus Personal Loan is only for single applicant and that applicant must age between 21 years old to 58 years old
You only need a minimum of RM2000 as your gross monthly income to apply for this personal loan
It is only open to all Malaysian citizens.
CIMB Cash Plus is one of the most popular personal loan packages offered by CIMB Bank. You do not need to provide a guarantor or collateral in order to apply for this personal loan. However, the maximum loan tenure you are given to repay your loan amount is 5 years. CIMB Cash Plus offers loan financing amount from as low as RM2000 to as high as up to RM100000. The flat interest rates depends on the loan amount that you are applying for. Typically, the interest rates start from as low as 6.88% to as high as 13.88%. With 13.88% flat rate, the effective rate for this personal loan is 23.39% per annum.
The list of interest rates are as the following:
For permanent employees
If your gross monthly income is between RM2000 to RM20000, the flat interest rate is 14.66% and the effective interest rate is 24%
If your gross monthly income is between RM20000 to RM50000, the flat interest rate is 10.88% and the effective interest rate is 18.62%
If your gross monthly income is between RM50000 to RM100000, the flat interest rate is 8.20% and the effective interest rate is 14.50%
If you are self-employed and your gross monthly income is between RM2000 to RM100000, the flat rate is 14.66% and the effective interest rate is 24%
Therefore, from the list above, we can see that a loan applicant can apply for loan financing amount of between RM2000 to RM100000. However, it is important to take note that the maximum amount depends on the loan applicant’s gross monthly income and requested loan amount. The common understanding is always you will always enjoy better and lower interest rates if you apply for a higher financing amount. Unlike permanent employees, loan applicants who are self-employed have to pay a higher interest rates. The maximum loan amount you can apply for in this personal loan package is 8 times of your gross monthly income and this amount is one of the highest amount that you can borrow based on your salary in Malaysia. Moreover, the approved loan amount also depends on your credit ratings.
Fees and Charges
While there are no processing fees to apply for this personal loan, you have to pay a 0.5% stamp duty fee and this 0.5% is based on the total loan amount. If you are late for repayments of the loan, CIMB will penalize you with a 1% per annum penalty fee. You can also choose to settle off your repayments earlier because there are no early settlement penalty fees for this personal loan. All the loan applicant needs to do is to give CIMB bank a 1 month notice before he or she makes the early settlement of the loan.
You are also required to buy the Cash Plus Assurance, the insurance for this personal loan. The insurance fee depends on the loan amount, age, and tenure of the loan. Sun Life Malaysia Assurance Berhad is the underwriter for the insurance in the case. In the event where the loan applicant dies before the end of the financing loan tenure, CIMB will waive the obligation for the loan applicant to pay up to RM25000.
This personal loan is only available to all Malaysian citizens between 21 years old to 58 years old by the end of the loan tenure. You also need to have at a least minimum of RM2000 gross monthly income.
A photocopy of your Mykad for front and back
Latest 3 months’ salary slips
Latest bank statements or salary credit account
A photocopy of your Mykad for front and back
A photocopy of Business Registration Form
Latest 6 months bank statement
Latest income tax return form with receipt
Latest Profit and Loss statements
Latest 6 months of commissions’ statements with bank transaction payments
Latest B form with LHDN payment statement
You can enjoy 100% cash disbursement based on what you applied
Bundles insurance plans
You can enjoy as low as 4.95% interest for per annum
You do not need to provide a guarantor
Bank Rakyat will approve this Bank Rakyat Personal Loan Financing-I Swasta for private quickly
Bank Rakyat Financing-I Swasta for private is only available for employees working in the private sector and Government Linked Companies selected by Bank Rakyat
The maximum loan amount you can apply for is up to RM150000 which is 25 times of your minimum gross monthly salary
In order to apply for Bank Rakyat Financing-I Swasta for private, you need to have at least a minimum gross monthly income of RM1000
The maximum loan repayment period is up to 10 years
This personal loan is open to Malaysian citizens only
Bank Rakyat Personal Financing-I Aslah Swasta is a personal loan that uses Islamic principles. The personal is Islamic compliant and based on the Shariah and Tawarruq concept.
Usually, these type of personal loan packages are popular among the employees working in the public sector but for this personal loan package, employees in the private sector and selected Government Linked Companies are also able to enjoy the privileges.
Despite that Bank Rakyat offers this personal loan to employees working in the private sector, Bank Rakyat only intend to offer this personal loan package to professionals. Some of the examples that Bank Rakyat will only accept are lawyers, accountants, architects, doctors, engineers, employers of large public listed companies, and employers of Government Linked Companies in Malaysia. Furthermore, these selected private companies by Bank Rakyat are able to enjoy lower and better interest rates.
As this personal loan is in the nature of unsecured loans, you do not have to provide a guarantor and a collateral to apply for it. Compared to other personal loans offered by other banks in Malaysia, Bank Rakyat Financing-I Aslah offers a much higher financing amount. As a start, the loan applicant will be able to apply for a loan amount that is as high as up to 15 times of his or her monthly gross income if he or she earns between RM2000 to RM4000. If that individual earns between RM4001 and RM6000, he or she can apply for a loan amount that is up to 20 times of his or her monthly gross income. Individuals that earn more than RM6000 a month will be able to apply for a loan amount that is as high as up to 25 times of their monthly gross income. However, this option is only available if the individual choose to use the direct salary deduction with the Biro Angkasa program.
Based on the latest update, Bank Rakyat also offers repayment methods that do not deduct from salary but they come with very high interest rates. It is advisable to choose the direct salary deduction method because the loan financing amount offered by Bank Rakyat is very high compared to other banks in Malaysia as those banks usually only offer up to 5 times of the loan applicant’s monthly gross income.
In addition, the approved loan amount by Bank Rakyat is also subjected to credit score including CCRIS and CTOS. One of the advantages of this loan is you can enjoy better and lower interest rates if you choose to sign up with the auto deduction on the loan from savings accounts. On top of that, you can also enjoy even lower interest rates if you choose to purchase the Takaful insurance.
As of now, this Bank Rakyat Financing-I Swasta for private uses a floating basis and tied up with Bank Rakyat’s Base Rate. Therefore, there is a huge difference in the interest rates from the one that is given by Bank Rakyat. The loan applicant will have to pay higher interest rates if he or she falls into a lower salary bracket set by the bank. Other ways to reduce your interest rates include choosing the auto salary deduction by using Biro Angkasa scheme and buying Takaful Insurance.
To be eligible for Bank Rakyat Financing-I Swasta for private personal loan, you will need at least RM1000 minimum gross monthly income. Unlike other banks in Malaysia, Bank Rakyat has the lowest salary requirements for a personal loan. This Bank Rakyat personal loan is also open to all Malaysians with EPF transaction of at least 6 months. The age requirement is between 18 years and 60 years old by the end of the loan financing tenure. Nevertheless, only employees working in Bank Rakyat’s panel list of private companies can apply for this personal loan. While loan applicants with permanent employment only need to earn RM1000 as their minimum monthly salary, employees on contract need to earn at least more than RM8000 per month.
The borrower has a few options to make his or her repayments on the loan. The options are auto salary deduction by using Biro Angkasa program, direct salary deduction by the employer, and salary transfer or cash.
You will need to pay a 0.5% stamp duty based on the total loan financing amount and RM30 as Wakalah fees after Bank Rakyat approved your personal loan application. If you are late for payments, there is a 1% penalty based on the total loan financing amount. You can also settle off your loan repayment earlier but it comes with an early settlement fee. For this personal loan package, you do not need to purchase any Takaful Insurance. It is also important to note that all charges are exclusive of 6% GST.
Photocopy of your MyKad for front and back
The latest 3 months’ salary slips
Employment letter from your employer stating your full name, job designation, MyKad number, years of employment, and other relevant details
Latest annual EPF statement
Income tax return form
Auto salary deduction by using Biro Angkasa program
Direct salary deduction by the employer
Salary transfer to Bank Rakyat
Bank Rakyat Panel List of Companies
Pekerja Swasta – Panel
Senarai Majikan Di Bawah Panel Bank Rakyat
Jika anda bekerja di salah satu syarikat di bawah anda layak untuk membuat pinjaman. Syarikat ini adalah di bawah panel Bank Rakyat.
Bank Rakyat Personal Financing-i Swasta for private is known as one of the most popular personal loans in Malaysia. If you are in the right bracket, you can enjoy interest rates that are really competitive in the market. Nonetheless, it is important to note that this Bank Rakyat personal loan is available to only a selected handful of private companies. Check if your company is in the Bank Rakyat Panel List of Companies stated above for you start to apply for this personal loan.
AmMoneyLine is a Shariah compliant personal loan that is based on Bai’Inah concept that allows you to apply for loan amounts of up to 5 times your fixed income salary. It offers low monthly repayment with installment tenure ranging from 12 to 96 months. The loan is also unsecured that requires no guarantor, collateral and calculated on a fixed rate basis. A quick and easy approval within 48 hours to meet your financial needs with no collateral or guarantor required. In addition, there’s no processing fee involved.
Annual interest rates varies from 4.30% to 6.90% for amounts ranging from RM2,000 to RM100,000.
Personal Financing-i at AmBank Islamic fully complies with the Shariah requirements designed specifically for your needs. BaiInah is actually buy and sell concept based on products
As you notice, the effective interest rates is much more higher with longer tenure of the loan. You should minimize the tenure while also plan a repayment that is affordable to you. A borrower can loan from RM 2,000 to RM 100,000 however the maximum financing available is also subjected to 5 times a person’s monthly income. A borrower can choose from 1 year up to 8 years to repayment for the loan.
AmMoneyLine also features a quick 48 hours approval. This would be great for anyone who are looking for finance in a hurry.
Fees and charges
*Table is constructed based on the assumption of 8% interest rate per annum
This loan is open to Malaysians from 21 to 60 years of at the end of loan tenure. A borrower should also have a minimum RM 2,000 monthly income.
AEON Personal Loan AEON personal loan is a Shariah compliant personal loan that is based on Bai Al-Inah concept which requires no security deposit and no guarantor. Features and benefits It offers high financing amount from a minimum loan of RM 1,000 to RM 100,000. It offers attractive rates of up to 0.8%*... Read More »
Kuwait Finance House Financing KFH provides many types of loan financing for customers such as: IjarahMuntahia Bi Al-Tamlik Asset Acquisition Financing-i Shariah concept: IjarahMuntahia Bi Al-Tamlik IjarahMawsufah Fi Al-Zimmah Asset Acquisition Financing-i Customers can apply for a personal loan based on the Shariah concept of IjarahMawsufah Fi Al-Zimmah. For example Personal Financing-i Government Personnel... Read More »
Bank Muamalat Personal Financing Bank Muamalat Malaysia Berhad, the second full-fledged Islamic bank to be established in Malaysia after Bank Islam Malaysia Berhad, is poised to play its role in providing Islamic banking products and services to Malaysians, without regard to race or religious beliefs. Bank Muamalat is Shariah and Islamic compliant and is catered for public servants in Malaysia. Bank... Read More »