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ALLIANCE ISLAMIC BANK
PERSONAL FINANCING-i CASHVANTAGE

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CIRI-CIRI PRODUK

  • Total Funding: RM5,000 - RM300,000

  • Financing Period: 1 - 7 years

  • Profit Rate (Fixed Rate): 1 Years (4.99%), 2 Years (5.99%), 3 to 4 Years (8.70%), 5 to 7 Years (9.78%-15.28%)

  • Takaful Cover: Optional

  • Guarantor: None

  • Collateral: None

  • Deposit: Tiada

  • Processing Fee: None

  • Advance Payment: None

  • Stamp Duty: 0.5% of the financing amount

  • Wakalah Charges:  None

  • Early Settlement Fee:  None (will be given a rebate (Ibra') by the bank)

  • Late Payment: Charge: 1% of the outstanding balance

  • Payment method: -


CashVantage-i Personal Financing Terms & Conditions (English)

CashVantage-i Personal Product Disclosure Sheets (English)

REMINDER: The choice of financial products is based on the qualifications and profile you fill in during the matching process. Financial offers and personal financing profit rates may depend on individual risk levels or other criteria (determined by the financial institution). As-Sidq does NOT issue any financial products or charge additional fees to apply for the financial products displayed on this site.

QUALIFICATIONS

  • Nationality: Malaysian only

  • Age Requirements: Minimum 18 years and not exceeding retirement age at the end of the payment period

  • Minimum Monthly Income: RM2,000 gross salary per month

  • Employment: Permanent employees of GLC companies or selected private sector companies

DOCUMENTS THAT NEED TO BE PROVIDED

  • Fixed income applicants (private sector):

    • Copy of MyKad Identification Card (front & back)

    • Copy of Salary Statement/E-Statement for the latest 3 months

    • Copy of Bank Statement (with salary crediting) for the last 3 months

    • Copy of Job Offer Letter (if employed for less than 3 months) OR Position Confirmation Letter

    • Copy of the latest Income Tax Form (Form B/BE or Form EA / EC)

    • Copy of the latest EPF Statement

    • Applicants with irregular income:

    • Copy of MyKad Identification Card (front & back)

    • Copy of the latest 3 months Salary Statement/E-Statement; AND/OR copies of annual Commission statements from your current employer

    • Copy of Bank Statement (with salary and commission credits) for the latest 3 months

    • Copy of Job Offer Letter (if employed for less than 3 months) OR Position Confirmation Letter

    • A copy of the latest Income Tax Form (Form B/BE or Form EA / EC) together with payment receipts (if any)

    • Copy of the latest EPF Statement

  • Self-employed applicants:

    • Copy of MyKad Identification Card (front & back)

    • Copy of Business Registration Form (SSM)

    • A copy of the latest Income Tax Form (Form B) along with payment receipts

    • Copy of the latest EPF Statement; OR

    • Copy of audited Financial Statements (latest) OR Profit and Loss Account

    • Permanent salaried applicants (general sector):

    • Copy of MyKad Identification Card (front & back)

    • Copy of Salary Statement for the last 3 months (verified)

    • Copy of Bank Statement (with salary crediting) for the last 3 months

    • Position Confirmation Letter (with employer's letterhead)

    • Utility bills (eg: water, electricity, Astro confirmed bills)

    • Settlement statement (if overlapping any Bank / Cooperative)

Sign up and find the best financial product match for you

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