Private Sector Personal Loan Offer

Personal financing- i Aslah for private sector

Features

• Amount of financing up to RM150,000
• Financing tenure up to 10 years
• Financing margin up to 10 times your monthly gross salary (Salary RM2,000 - RM3,000) and 15 times your monthly gross salary (Salary RM3,001 and above)
• No guarantor
• Takaful coverage are optional
• No advance payment
• Negotiation rate offered to employees of companies or cooperatives with certain conditions stated by Bank

Financing Rate

					Financing Tenure
Payment Method	Protection	Salary	Floating Rate	Effective / Fixed	New Application	Repeated / Overlap Application
Saving Deduction	With Takaful	RM2,000 - RM3,000	BFR + 6.75%	13.35% / 8.17%	5 years	10 years
		RM3,001 & above	BFR + 6.50%	13.10% / 7.99%	10 years
	Without Takaful	RM2,000 - RM3,000	BFR + 7.75%	14.35% / 8.89%	5 years
		RM3,001 & above	BFR + 7.50%	14.10% / 8.70%	10 years
Other than Saving Deduction	With Takaful	RM2,000 - RM3,000	BFR + 7.75%	14.35% / 8.89%	5 years
		RM3,001 & above	BFR + 7.50%	14.10% / 8.70%	10 years
	Without Takaful	RM2,000 - RM3,000	BFR + 8.75%	15.35% / 9.62%	5 years
		RM3,001 & above	BFR + 8.50%	15.10% / 9.43%	10 years

*Note:

Ceiling Rate = Effective Rate + 4.00%

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 RM2,000 including fixed allowances
• Public sector employee
• Have been confirm in current service

Payment Method

• Biro Perkhidmatan Angkasa
• Salary Deduction
• Saving Deduction
• Standing Instruction
• Postdated Cheque

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
	5. EPF statement showing transactions of six (6) months
	6. Income Tax (BE Form)
Repeated/Overlap Applicationl	1. Copy of Identity Card
	2. Latest 3 months' salary slip