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BANK ISLAM
PERSONAL FINANCING-i

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PRODUCT FEATURES

  • Funding Amount: RM10,000 - RM150,000

  • Financing Period: 1 - 8 years

  • Profit Rate (Fixed Rate): 4.99% - 9.50% (depending on income and financing period)

  • Takaful protection: Subject to financing amount, term and age

  • Guarantor: None

  • Collateral: None

  • Deposit: None

  • Processing Fees: None

  • Advance Payment: None

  • Stamp duty: 0.5% of the total financing

  • Wakalah charge: RM15

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

  • Late Payment Charges: 1%  of the outstanding balance

  • Payment method:-

 

Disclosure Sheet of Bank Islam Fixed Rate Personal Financing Products (English version)

WARNING: Choice of financial products 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 25 years and maximum 60 years

  • Minimum Monthly Income: Minimum fixed income of RM5,000 per month

  • Employment: Permanent employee or contract employee (senior position only) from GLC / MNC / general company (BHD) / private company (SDN BHD) only

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

Sign up and find the best financial product match for you

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