Pinjaman Peribadi Ambank

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Personal Financing-i

Benefits
  • Interest rates from 4.30% p.a  to 6.90% p.a 
  • Available for Private and Public sector
  • From 1 year to 8 years repayment period
  • RM 2,000 to RM 100,000 financing available
  • Quick approval
  • 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.

     

    Public Sector

    • Biro Perkhidmatan Angkasa (BPA)
      As low as 4.30% per annum.

     

    Private Sector

    • Profit rate of 6.90% per annum.

     

    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

     

    ambank personal loan

    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

    Stamp Duty – As per the Stamp Duty Act 1949 (Revised 1989).  RM 10 will be charged for approval letters.
    Optional Reducing Term Assurance (RTA) – RTA is available on an optional basis with premium charges
    ranging from RM2.25 per RM1,000 borrowed with a maximum charge of RM53.20 per RM1,000 borrowed
    There will be 1% late payment penalty charges per annum on outstanding installment.
    Calculation: Installment in arrears x Late payment charge rate x (Days outstanding/365)
    Right to Set Off
    Ambank has the right to set off any credit balance in your account maintained with us against any
    outstanding balance in this loan account.
    There will be legal action will be taken if there is a failure to respond to reminder notices. Legal action against you may affect your credit rating leading to credit being more difficult or expensive. There will be no early settlement fee imposed. However, you will need to notify the bank at least 1 month in advance in writing at any AmBank branch to facilitate the early settlement process
    Repayment Table

    ambank4

    *Table is constructed based on the assumption of 8% interest rate per annum

     

    Eligibility

    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.

     

    Documentations needed

    • Photocopy IC ( Front and back)
    • Most recent 3 months payslip and EFP statement
    • Letter of employment
    • Copy of most recent bank transaction for salary payment

     

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