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Benefits & Privileges

Low Rates Loan Tenure Loan Amount Zero Fees
Low Rates
Loan Tenure
Loan Amount
Zero Fees

Eligibility

  • Individuals aged 40 to 54 years¹
  • Malaysian citizen
  • Minimum monthly gross income of RM2,000
  • Must be an EPF member with a minimum saving balance at least RM3,000 in Account 2
  • In employment for more than 6 consecutive months
  • For self-employed, business to be active for more than 24 months.

¹Maximum 55 years old upon maturity of loan tenure.

Fees & Charges

No Products/Item Charges
 1 Late Payment Charges Late Payment Charges at the rate of one per centum (1.0% p.a) per annum or such other rate as the Bank may from time to time stipulate on the total amount in arrears and overdue will be charged from the due date to the date of full repayment
2 Early Settlement Fee Nil

Income Document Requirement

Employer Fixed Income Earner (Basic only) Variable Income Earner (Basic + Allowances)

Multi National Company
 

Public Listed Company
 

Government Linked Company

Minimum latest 1 month payslip OR latest EPF statement with minimum 6 months contribution Minimum latest 3 months payslip OR latest EPF statement with minimum 6 months contribution
Others Minimum latest 3 months payslip AND latest 3 months salary crediting bank statement OR latest EPF statement with minimum 6 months contribution
Self Employed Income Documents

Sole Proprietor
 

Partnership
 

Private Listed Company (Sdn Bhd)

Business Registration Document²  AND

 

a) Minimum latest 6 months company bank statement OR

 

b) Latest  Form B/BE AND LHDN payment receipt OR

 

c) Latest e-Form B/BE AND latest e-filing acknowledgement receipt

²Business Registration Document refers to: Trading Licence/Company Search/Partnership Agreement/Professional Practicing Certificate

Interest Rates

Loan Tenure Effective Interest Rate Equivalent to Fixed Interest Rate
 1 to 10 Years 4.5 % p.a. 2.4% p.a.

*Please note the final approved Fixed Interest Rate and Effective Interest Rate are subject to the Bank’s approving criteria.