Pelaburan Emas Bank Rakyat

Kini, pelaburan emas merupakan salah satu pelaburan yang popular di kalangan rakyat Malaysia. Pelaburan emas menjanjikan keuntungan yang lumayan jika tahu ilmu dan cara yang betul. Modal yang diperlukan juga tidak begitu besar. Walau bagaimanapun, haruslah ingat bahawa mana – mana pelaburan mempunyai risiko yang tersendiri. Apa yang penting adalah ilmu dan persediaan yang cukup untuk memulakan sesuatu pelaburan. Pelaburan emas adalah pelaburan terbaik sebagai pelindung, insurans, penjana keuntungan dan penyelamat semasa keadaan ekonomi yang tidak menentu dengan  kejatuhan nilai wang, kenaikan harga barang, peningkatan kos sara hidup serta inflasi.

 

Terdapat banyak persaingan jenis pelaburan emas ini sama ada melalui syarikat atau bank. Salah satu jenis pelaburan emas adalah pelaburan emas Ar-Rahnu. Ar-Rahnu ialah pajak gadai kaedah Islam yang patuh syariah. Nilai yang biasanya diperoleh melalui pajak gadai Ar- Rahnu adalah sehingga 70-75% nilai emas yang dipajak gadai dalam bentuk wang tunai. Anda juga perlu membayar upah simpan yang ditetapkan mengikut per gram emas. Pada masa ini terdapat banyak institusi kewangan yang menawarkan kemudahan pajak gadai Islam Ar-Rahnu seperti Ar-Rahnu Xchange Bank Rakyat, Ar-Rahnu Agrobank, Ar-Rahnu Bank Muamalat, Ar-Rahnu Bank Islam, Ar-Rahnu Yapeim dan Pejabat Pos.

 

PAJAK GADAI-I AR-RAHNU BANK RAKYAT

 

Pajak Gadai-i Ar-Rahnu menawarkan pembiayaan tunai segera dan mudah sehingga RM50,000 dengan kadar upah simpan yang rendah berdasarkan 3 prinsip Syariah.

Konsep Syariah

  • Qard (pinjaman tanpa faedah)
  • Wadi`ah Yad Dhamanah (simpanan dengan jaminan ke atas barang gadaian)
  • Ujrah (upah simpan)

Kelayakan

  • Warganegara dan bukan warganegara Malaysia
  • Pemastautin tetap
  • Tidak muflis
  • Berumur 18 tahun ke atas

Keistimewaan

  • Bebas dari unsur riba’
  • Tiada yuran proses
  • Kadar upah simpan dikira secara harian
  • Tempoh gadaian yang lama
  • Barang kemas disimpan dengan selamat dengan pelindungan Takaful
  • Urusan niaga telus dan dibuat di hadapan pelanggan di dalam bilik khas

Syarat Barang Gadaian

  • Semua barangan kemas/emas KECUALI barang gadaian yang mempunyai batu dan berbentuk patung keagamaan atau makhluk hidup
  • Jongkong, wafer, syiling atau ketulan emas dengan SYARAT mempunyai Resit Pembelian atau Sijil Ketulenan
  • Barangan emas dihadiahkan oleh majikan kepada pekerja dalam perkhidmatan dengan syarat:
    • Pekerja mengemukakan dokumen Sijil Penghargaan
    • Mutu emas antara 22 hingga 24 karat
    • Berat tidak melebihi 300 gram

 

Langkah – langkah

  1. Perlu ada emas atau perak untuk digadai
  2. Semak Cawangan dan Masa Operasi
  3. Dapatkan wang tunai anda

 

Jumlah Pinjaman

  • Maksimum margin pinjaman sehingga 70% sahaja dari nilai barangan gadaian (Nilai Marhun)
  • Setiap gadaian tidak melebihi RM10,000 sehari dan tidak melebihi RM50,000 secara terkumpul

Tempoh Gadaian

  • Tempoh gadaian adalah 6 bulan ​

Tempoh Lanjutan Gadaian

  • Tempoh maksimum lanjutan gadaian tidak melebihi tempoh 18 bulan daripada tarikh gadaian

Cara Bayaran Balik

  • Secara sekaligus atau berperingkat-peringkat.

Upah simpan

  • Upah simpan dikira berdasarkan nilai marhun dan tempoh bilangan bulan gadaian ditebus.
  • Kadar upah simpan minimum bersamaan dengan kadar setengah bulan akan dikenakan ke atas barang gadaian yang ditebus bagi tempoh yang kurang daripada 15 hari.
  • Formula pengiraan upah simpan bagi Ar-Rahnu: a = b x c/100 x 12 x d/365
    • Upah simpan = a
    • Nilai marhun = b
    • Kadar upah simpan = c
    • Tempoh gadaian = d
  • Pengiraan Upah Simpan Pajak Gadai-i Ar-Rahnu berbanding Pajak Gadaian Konvensional adalah seperti dibawah:
    • Nilai barang kemas (nilai marhun): RM1,000
    • Jumlah Pinjaman : RM650
    • Tempoh: 6 bulan/180 hari
    • Kadar upah simpan: RM0.65

 

Dapatkan risalah mengenai Ar Rahnu Bank Rakyat di sini (klik)

Pinjaman Peribadi OCBC

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 :

  • Individu yang memohon hendaklah berstatus warganegara Malaysia ataupun penduduk tetap (PR)
  • Berumur 21 sehingga 28 tahun dan tidak melebihi 55 tahun.
  • Memiliki pendapatan bulanan kasar paling maksimum sejumlah RM5,000 dan minimum RM2,500 sebulan

Dokumen yang perlu dilampirkan untuk mengemukan permohonan pinjaman adalah seperti berikut :

  • salinan kad pengenalan bahagian hadapan dan belakang
  • satu salinan slip gaji sebulan ataupun penyata EPF selama tempoh setahun

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 :

  • Ansuran bulanan serendah RM100
  • stamping dokumen tidak diperlukan
  • Dilindungi Takaful
  • Tidak dikenakan sebarang caj stamping dan yuran pemprosesan.

*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

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.

  1. Warganegara Malaysia
  2. Mestil berumur 18 tahun ke atas sehingga 55 tahun.
  3. Pendapatan Kasar bulanan paling minimum RM18,000 setahun ataupun RM1,500.00 sebulan.

Dokumen yang perlu dikemukakan bagi pelanggan yang bergaji tetap adalah :

  • Salinan Kad Pengenalan depan dan belakang  
  • Penyatan gaji / slip gaji 1 bulan terkini
  • Penyata Bank yang telah dikemaskini
  • Penyata bank 6 bulan terakhir yang mencatatkan pendapatan syarikat mahupun perniagaan.
  • Boranf B / BE terkini yang dilampirkan sekali bersama slip pengesahan bayaran / resit kepada lembafa hasil dalam negeri (LHDN)

Dokumen yang perlu dikemukakan bagi pelanggan yang memperoleh pendapatan secara komisyen pekerja yang berstatus gaji tetap.

  • Salinan Kad Pengenalan depan dan belakang  
  • Penyatan gaji / slip gaji 1 bulan terkini
  • Penyata Bank 6 bulan terkini.
  • Slio /Prnyata pendapatan komisyen 6 bulan terkini.
  • Boranf B / BE terkini yang dilampirkan sekali bersama slip pengesahan bayaran / resit kepada lembafa hasil dalam negeri (LHDN)

 

Beberapa ciri-ciri pinjaman telah ditetapkan oleh pihak perbankan easy RHB. Antaranya adalah :

  • Pelanggan akan mendapat kelulusan dan pengeluaran wang dengan kadar segera (on the spot) jika semua memenuhi semua syarat yang ditetapkan.
  • Bagi tempoh pinjaman pula, paling minima adalah 12 bulan iaitu selama 1 tahun, manakala paling maksimum adalah 60 bulan iaitu selama 5 tahun  

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 :

  • Tidak memerlukan penjamin ataupun cagaran
  • Tiada dikenakan sebarang yuran bagi pengeluaran pinjaman.
  • Tiada wang pendahuluan / yuran pemprosesan dikenakan.
  • 0.5% duti setem daripada jumlah pinjaman yang telah dilulusakan akan ditolak daripda kemudahan tersebut.

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.

 

MBSB Personal Loan

 

  • This MBSB personal loan is open to employees working in the public and private sectors
  • The interest rates are ECOF-I + 4.1% which is 6.50% flat rate
  • The loan financing amount starts from as low as RM10000 to as high as up to RM300000
  • The maximum financing period of this MBSB personal loan is 10 years

 

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.

 

Repayment Method

You can do your monthly loan repayment at the MBSB payment counter.

 

Fees

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.

 

Eligibility

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.

 

Documents Required

Employed

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

 

Self Employed

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

 

Additional Notes

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.

 

About MBSB

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

  • Being a personal loan of unsecured loan nature, you do not need to provide a guarantor or collateral to apply for this Maybank Personal Loan
  • Maybank offers loan amount starting from as low as RM5000 to as high as up to RM100000
  • The loan repayment tenure is from a minimum of 2 years up to a maximum of 6 years
  • You need to have at least RM2500 as your minimum gross monthly income
  • Maybank Personal Loan is open to all Malaysian citizens only
  • The age requirement is between 21 years old and 60 years old by the end of the loan tenure

 

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.

 

Interest Rates

Please see the following list for the three level interest rates tiers:

  • For loan amount from RM5000 up to RM20000, the interest rate is 8% fixed
  • For loan amount from RM20001 up to RM50000, the interest rate is 7% fixed
  • For loan amount from RM50001 up to RM100000, the interest rate is 6.5% fixed

 

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.

 

Eligibility

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.

 

Disbursement

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.

 

Fees

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.

 

Required Documents

Employed

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

 

Self Employed

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

 

Summary

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.

 

Cimb Personal Loan

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.

 

Interest Rates

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.

 

Eligibility

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.

 

Documents

Employed

A photocopy of your Mykad for front and back

Latest 3 months’ salary slips

Latest bank statements or salary credit account

 

Self Employed

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

 

Commission Earners

Latest 6 months of commissions’ statements with bank transaction payments

Latest B form with LHDN payment statement

 

Pros

You can enjoy 100% cash disbursement based on what you applied

Bundles insurance plans

 

Cons

None

 

Bank Rakyat Personal Loan

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.

 

Interest Rates

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.

 

Eligibility

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.

 

Repayment

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.

 

Charges

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.

 

Documents Required

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

 

Repayment Methods

Auto salary deduction by using Biro Angkasa program

Cash

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.

Keistimewaan

  • Pinjaman sehingga 20 kali gaji
  • Pinjaman sehingga RM150,000
  • Tanpa Penjamin
  • Tanpa Cagaran
  • Interest 4.9%
  • Tempoh kelulusan 5 hari bekerja

Syarat Permohonan

  1. Bekerja minima 6 bulan dan di sahkan jawatan
  2. Gaji minima RM1000.00

Senarai Majikan

  • CELCOM
  • PETRONAS
  • HITECH PADU BERHAD
  • EASTERN AND ORIENTAL BERHAD
  • PRIMABUMI SDN BERHAD
  • SCIENTEX PACKAGING FILM SDN BHD
  • VISTA POINT TECHNOLOGIES SDN BHD
  • PAREMBA SDN BHD
  • GLOMAC BERHAD
  • TRANSMILE BERHAD
  • CEN WORLDWIDE SDN BHD
  • NAZA TRADING SDN BHD
  • MAS BERHAD
  • PERODUA SALES SDN BHD
  • PROTON EDAR SDN BHD
  • UEM BERHAD
  • TECK SEE PLASTIC SDN BERHAD
  • HITACHI TRANSPORT SYSTEM SDN BERHAD
  • PANASONIC COMPRESSOR SDN BHD
  • NATIONWIDE SDN BHD
  • TNB BERHAD
  • TM BERHAD
  • MDI CASTING SDN BHD
  • SAFEGUARD SECURICOR SDN BHD
  • HICOM YAMAHA MFG SDN BHD
  • BOUSTED SDN BHD
  • RAPID KL SDN BHD
  • SAPURACREST PETROLIEUM BHD
  • KPJ SPECIALIST HOSPITAL
  • HOSPITAL PAKAR AN NUR
  • AMPANG PUTERI SPECIALIST HOSPITAL
  • PANTAI MEDICAL CENTRE AIROD SDN BHD
  • CIMB AVIVA ASSURANCE BERHAD
  • UNIVERSITI TEKNIKAL MARA SDN BHD
  • COSMOPOINT SDN BHD
  • AMSTEELS MILLS SDN BHD
  • MIMOS SMART COMPUTING SDN BHD
  • INFRA PERDANA BERHAD
  • ALAM MARITIM MALAYSIA SDN BHD
  • ROXAR SDN BHD
  • MK LAND HOLDINGS BHD
  • PTPL BERHAD
  • GAPIMA SDN BHD
  • TOSHIBA ELECTRONIC (M) SDN BHD
  • APEX COMMUNICATION SDN BHD
  • INAI KIARA GROUP BERHAD
  • EUROCOPTER SDN BHD
  • EDEN GROUP BERHAD
  • SATRIADESA CORPORATION SDN BHD
  • UTUSAN PRINTCOP SDN BHD
  • UTUSAN PUBLICATION SDN BHD
  • XYBASE SDN BHD
  • PRUDENTIAL ASSURANCE MALAYSIA BERHAD
  • INGRESS TECHNOLOGIES SDN BHD
  • SYMPONY BASIS SDN BHD
  • BUMI ARMADA ENGINEERING SDN BHD
  • MESIN NIAGA BERHAD
  • EPIC-I SDN BHD
  • DAWAMA SDN BHD PLUS BHD
  • LIM KOK WING UNIVERSITY
  • MCIS ZURICH ASSURANCE BHD
  • INTI INTERNATIONAL UNIVERSITY COLLEGE
  • MALAYSIA TRANSFORMER MANUFACTURING SDN BHD
  • DAGANGNET TECHNOLOGIES SDN BHD
  • YPC (M)SDN BHD
  • BANK-BANK KOMERSIAL MALAYSIA

Conclusion

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.

Pinjaman Peribadi Ambank

AMBANK_logo

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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