Bank Rakyat Personl Loan Rakan Pintar

Personal Financing-i Aslah for Civil Servant (Rakan Pintar) is a unique product that is designed specifically for public servants in which it offers a lower profit rate with the following benefits:

~ Special ATM Card (Rakan Pintar)

~ RM0.50 cash back on transaction charges for MEPS and Tabung Haji at ATM

Features

• Amount of financing up to RM200,000
• Financing tenure up to 10 years
• Financing margin up to 35 times your monthly gross salary
• No guarantor
• Takaful coverage are optional
• No advance payment

Financing Rate

Protection	Floating Rate	Ceiling Rate
With or Without Takaful	BFR - 0.70%	BFR + 4.00%
	(Effective 5.90% @ Fixed 3.26%)

*Note : Current Base Financing Rate (BFR) is 6.60%

Eligibility

• Malaysian citizen
• Minimum age of 18 years and maximum 60 years old at the end of the financing tenure
• Minimum fixed monthly income of RM1,000 including fixed allowances
• Public sector employee
• Have been confirm in current service

Payment Method

• Saving/Current Account Deduction
• (Salary transfer to Bank Rakyat)

Documents Required

	Document
New Application	1. Copy of Identity Card / Authority Card (Police / Army)
	2. Latest 3 months' salary slip
	3. Latest employer's confirmation letter
	4. Latest three (3) months Bank Statements of salary crediting account
Repeated/Overlap Applicationl	1. Copy of Identity Card
	2. Latest 3 months' salary slip