Pinjaman Peribadi Hong Leong

Logo Hong Leong Bank

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 installment that best suits the borrowers

Features & Benefits of financing with Hong Leong:

  • Monthly installments as low as RM103.33
  • 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. There are no processing fees and early settlement fees for the loan

(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
  • Go to Hong Leong’s nearest branch

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.

Pinjaman Peribadi MBSB

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MBSB Personal Financing-i (Public Sector)   Pinjaman peribadi-i
Features & Benefits
Competitive profit rates as low as 3.40%p.a.
Financing Tenure up to 10 years
No guarantor required
No hidden charges.
Quick approval

MBSB Personal Financing-i is a public sector personal loan product from MBSB that is Syariah compliant. This Islamic based concept personal loan is unsecured thus no guarantor and collateral is needed. Personal Financing-i is only open to Malaysia public sector servant at an attractive interest rates. Risk based pricing as low as ECOF-i – 0.20% p.a

Open to:

  • Permanent employees of Public Listed Companies, GLC, State GLC, Multi-National Corporation, Education Sector Companies and its subsidiaries as listed by MBSB; or
  • Permanent professional employees (with valid Professional certificate) of private companies; or
  • Self-employed practicing professional (with valid Professional certificate) with minimum 2 years of business/firm establishment.

A borrower can enjoy up to RM 300,000 financing with a maximum 10 years repayment subject to approval and applicant’s credit score.

As of public sector loan, MBSB Personal Financing-i repayment is done via auto salary deduction. Upon successful application of the loan, applicants will have to give permission for auto salary deduction. The maximum deduction would be 70% of salary. There are no hidden charges for MBSB Personal loan.

Requirements

  • Photocopy of MyKad.
  • Latest 3 month’s salary slip.
  • Bank Account Statement.
  • Any other latest supporting documents if required.

Takaful coverage is optional for this loan.

 

Eligibility

This product is only available to Malaysian public sector servants. Borrower will need to be a permanent staff with minimum of 1 month service. Applicants must be 19 years to 60 years old maximum at the end of loan tenure.

To view MBSB Personal Financing-i payment table, click below

MBSB personal financing-i payment table

 

About MBSB

MBSB or Malaysia Building Society Berhad is rather unique organization. This company is not a financial institution however it is given finance license by Malaysian government. Do remember that MBSB’s financial product is not under the jurisdiction of Bank Negara. MBSB offers a host of Islamic financial products and services. Whether you are planning to buy your dream home, to further your education or provide protection for your family, they have the appropriate options and solutions for you. MBSB also provides attractive returns on your deposits, allowing you to maximise your return on investments.

Pinjaman Peribadi Bank Rakyat Awam

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Personal Financing-I Aslah Awam
From 4.54%  to 7.12% p.a. flat rate with options of Takaful
Maximum up to RM 200,000 of financing
Maximum 10 years repayment
For single applicant from 18 to 60 years of age
Opens to any Malaysian Public Servants only
Minimum income of RM 1,000 per month

Bank Rakyat Personal Loan is perhaps one of the most popular personal loan in Malaysia. Personal Financing-I Aslah Awam is catered for public sector servants in Malaysia. This is unsecured loan where collateral and guarantor is not needed.  This personal loan is fully Islamic compliant that is based on Tawarruq concept.

Interest Rates

Personal Financing-I Aslah Awam offers very attractive interest rates. The rates vary according to repayment choices and other factors. Opting for Biro Angkasa automatic salary deduction and Takaful insurance plan will help you have interest. There are also options for fixed and floating interest rates.

bank rakyat personal loan interest rates

Base Rate for Bank Rakyat is: 3.95%

Applicants will have the choice of repayment period or overlap financing. This personal loan in secured where requires no guarantor or collateral while it offers up to RM 200,000 financing with a maximum 10 years repayment. The amount being loaned would depends very much on your monthly income and your credit score. One can loan a maximum of 35 times his or her monthly salary.

As of all public sector loan, repayment of Personal Financing-I Aslah  is done automatically via Bureau Angkasa salary deduction scheme. You will have to switch your salary payment to a Bank Rakyat account.

Repayment

There are various repayment option for the loan. Among the options are

  • Employee salary reduction scheme ( PGM)
  • Biro Perkhidmatan Angkasa (BPA)
  • Electronic payment

 

Charges

There are no processing charges when you apply for this loan. A 0.5% stamp duty fee will be charged based on loan amount  This loan can be settled earlier without any termination or penalty fees. A standing instruction will have stamp duty of RM10. There is a RM 30 Wakalah fee when applying for the loan. Takaful is optional with the loan. However do take in consideration that you will enjoy better interest rates with Takaful insurance plan.

 

Eligiblity

Bank Rakyat Personal Financing-I Aslah Awam is only available for Malaysian citizens serving public, government sector or enlisted GLC. Applicants will have to be 18 years old and above with minimum 3 months of employment and a minimum annual salary of Rm 12,000.

Documents required

  • Photocopy IC (both sides)
  • Most recent 3 months payslip
  • Most recent income tax statement/ EA Form
  • Most recent 3 months Payslip bank statement
  • Employment confirmation letter

Jadual Pinjaman

Bagi yang berminat, jadual pembayaran untuk Pinjaman Peribadi Bank Rakyat Tertera di bawah

KadarKeuntunganPembiayaanPeribadi-i-Terapung

KadarKeuntunganPembiayaanPeribadi-i-Terapung (Tunai)

KadarKeuntunganPembiayaanPeribadi-i-Tetap

KadarKeuntunganPembiayaanPeribadi-i-Tetap (Tunai)

 

 

Pinjaman Peribadi CIMB

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CIMB Cash Plus
100% Disbursement. No additional charges imposed to the loan amount.
Flexible payment period of up to 5 years
Loan Amount offered from minimum RM 2,000 to RM 100,000
Eligibility
Individual applicant only
Aged between 21 and 58 years old
Minimum income of RM2,000 (basic + fixed income only)

CIMB Cash Plus is a loan package for personal use in Malaysia. This personal loan in unsecured and it requires no guarantor or collateral. It is a hassle free personal loan to achieve your goals and dreams. A borrower will be able to enjoy from RM 2,000 to RM 100,000 financing or a 8 times salary financing whichever that is lower. The amount loan will also be subjected to credit ratings. The minimum tenure would start from 1 to a maximum of 5 years.

table4

Interest rates would depends on amount loan and borrower’s employment type. Basically, borrower will be able to enjoy better interest rates with higher loan amount. A borrower can enjoy up to 8.20% p.a flat interest rates with interest rates with RM 50,000 to RM 100,000 financing, 10.88% p.a. with RM 20,000 to RM 49,000 financing and 14.66% with RM 2,000 to RM 20,000 financing.

As for self employed, the interest rates for financing would be 14.66% p.a with RM 2,000 to RM 100,000 financing.

 

Fees & Charges

There will be a late payment penalty charge of 1.0% on the installments amount in arrears from overdue date. There are no charges for early settlement fee.

 

Eligibility

This loan is open to individual from 21 to 60 years old at the end of loan tenure. Applicants will need to have a minimum annual income of RM 24,000.

 

Documents required

Under employment

  • Most recent 1 month payslip for fixed income earner
  • Most recent 3 months payslip for variable income earner OR
  • Existing CIMB Payroll Customer minimum latest 3 months bank statement with AUTOPAYCAR or CREDIT ADVICE transaction or Transfer from Co Name OR
  • Minimum latest 6 months EPF record OR
  • Latest Form BE with LHDN payment receipt/ e-filing acknowledgement receipt OR
  • Latest EA form

Self-Employed – Private Limited Company:

  • Business registration i.e. Form 9, 24 & 49, SSM Search and
  • latest 6 month business bank statement;or
  • latest Borang B with LHDN payment receipt/e-filing acknowledgement receipt

Self employed – sole prop/partnership / limited liability partnership / small traders:

  • Trading license / Partnership agreement / SSM / Professional Practicing Certificate; and
  • latest 6 month business bank statement;or
  • latest 6 months personal bank statement (for sole prop/small traders only) or
  • latest Borang B with LHDN payment receipt / e-filing acknowledgement receipt

Note: For business income, the self-employed must own at least 20% of the shareholdings including Sdn Bhd and Partnership.

 

Other things to take note of the loan

  • This loan is not Islamic compliant
  • You get the exact amount you borrow with 100% Disbursement

 

The payment table for CIMB Cash Plus would be on the link below

Cash Plus personal loan repayment table (salaried)

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