Pinjaman Peribadi Bank Muamalat

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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 Personal Financing-i is a loan for personal use. The loan is applicable to Malaysian Armed Forces pensioner and all government pensioner with a minimum tenure of 3 years and a maximum tenure of 10 years.

The Bank Muamalat Personal Financing i- offers a financing amount minimum of RM 5,000.00 and maximum of RM 150,000. The profit rate runs on a competitive flat and floating rate. Mode of payment is through pension with BMMB. Takaful coverage for this loan is compulsory and will writing is optional.

 

Documents Required:

  • Copy of NRIC (front and back)
  • Latest 1 month Salary Slip
  • Employment Confirmation Letter
  • Latest Utility Bills (TNB/Telekom/Syabas/Astro)

 

Financing for Malaysia Armed Forces

  • Tenure of minimum: 3 years, Maximum: 15 years
  • Financing AmountMinimum: RM 5,000.00
  • “Lain-lain Pangkat” (LLP): Maximum: RM 60,000.00 (Flat/Floating Rate)
  • “Pegawai”: Maximum: RM 150,000.00 (Floating Rate), RM 100,000.00 (Flat Rate)

 

Documents Required:

  • Copy of NRIC (front and back)
  • Copy of Pension Card
  • Pension Ledger / Statement
  • BMMB Saving Passbook

 

Applicant’s Eligibility for repayment capacity is determined by NDI & DSR. Pension credited with BMMB and paid by JHEV for Armed Forces. Pension credited with BMMB under Scheme A and paid by JPA.

 

Mualamat Vehicle Financing-i Gradpack

Based on Bai’ Bithaman Ajil – a contract of normal sale with the payment of the selling price deferred, to an agreed later date.

 

Eligibility

  • Minimum basic salary of RM1,500 per month
  • A minimum age of 20 years old and a maximum of 30 years old during application
  • Minimum qualification of diploma level from institutes authorized and recognized by Malaysia Qualification Agency (MQA) / Department of Higher Education, Ministry of Higher Education Malaysia
  • Application completed within period of 3 years from date of graduation
  • Confirmed staff (except for government staff and management trainees of private sector)

 

Profit Rate

According to Bank’s prevailing profit rate with a financing tenure of minimum 4 years to 9 years. Financing amount of a minimum RM 20,000. Mode of payment is made through normal monthly installment payment through counter. There is a compulsory advance payment of which equivalent to 1 – 2 months installment prior disbursement.
Documents Required:
  • Photocopy of NRIC
  • Photocopy of Driving license
  • Photocopy of 3 months latest salary slip or employment’s offer letter (if newly employed) for government staff or management trainees of private sector
  • Photocopy of diploma/degree/transcript
  • Vehicles sales order
  • Application form duly completed

 

Mode of vehicles

  • National cars
  • Non-national cars e.g Toyota Vios, Honda City, Suzuki Swift, Ford Fiesta, Nissan Grand Livina and Nissan Latio

Pinjaman Peribadi Hong Leong

Logo Hong Leong Bank

Hong Leong Bank’s principal business activities cover the provision of retail loans, deposit products, wealth management and priority banking services to individuals. The principal business activities are in the provision of business banking solutions including working capital and term loans, deposit and liability management products, cash management and trade finance services as well as debt capital market solutions to businesses and companies.

Hong Leong Bank offers a personal loan that is unsecured which is calculated on a flat rate basis. Hong Leong Personal Loan starts from RM5,000 to RM250,000 and the financing tenure ranges from 24 – 84 months depending on the affordable monthly instalment that best suits our customers.

Features & Benefits of financing with Hong Leong:

  • Monthly installments as low as RM133.33
  • Fast approval within 48 hours
  • Flexible repayment tenure of up to 5 years
  • Minimum income eligibility of only RM24,000 per annum
  • No guarantor and no collateral

 

Affordable monthly installments

hongleong

What do I get from the product?

  • Loan amount: Min: RM5,000; Max: RM250,000 (On a campaign basis minimum Loan Amount may starts with RM1,000)
  • Prescribed Interest Rate: It ranges from 7% p.a. up to 13.5% p.a. The final Prescribed Interest Rate will be stated in the Repayment Schedule that will be given to you upon disbursement.Effective Interest Rate: It ranges from 12.38% to 24.82% depending on loan tenure.
  • Effective Interest Rate : It ranges from 12.38% to 24.82% depending on loan tenure
  • Tenure ranges from 2 to 7 years

 

Eligibility

Malaysian citizens only, aged between 21 to 60 years old and who earn a minimum annual income of RM24,000 per annum is eligible to apply for the loan.

 

For Salaried Earner, please prepare

  • Latest 3 months Salary Slip
  • EPF Statement dated within last 2 months
  • EA Form dated within last 12 months

 

For Self Employed, please prepare

  • Latest 3 months Company Bank Statement
  • Latest B/BE Form or EPF Statement
  • Business Registration
  • Important Information

 

Fees and Charges

There is a 0.5% of loan amount applies for each loan applied to stamp duties. A nominal fee of RM2.12 (equivalent to RM2.00 IBG fee and RM0.12 of 6% GST) will be charged on every Interbank GIRO (IBG) transaction

(if applicable). Failure to fulfill obligations will have a penalty of late payment charges of 1% p.a. on the amount in arrears, causing total outstanding to increase. There will be a set-off any credit balance in any of your accounts maintained with us against any outstanding balance in this financing account. Legal action against you will be taken if you fail to respond to reminder notices. Legal action against you may affect your credit rating leading to credit being more difficult or expensive to you

 

The monthly installment payments can be made via the following channels:
  • Standing Instructions from your Hong Leong Bank / Hong Leong Islamic Bank Savings / Current Account;
  • Internet Banking (eg.: www.hongleongconnect.my);
  • ATM transfer into your loan account;
  • Cash and Cheque Deposit Machines; or
  • Come to our nearest branch

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