Benefits & Privileges

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


  • Individuals aged 21 to 58 years old*
  • Malaysian citizen
  • Minimum monthly gross income of RM2,000
  • In employment for more than 6 consecutive months
  • For self-employed, business to be active for more than 24 months

*Maximum 60 years old upon maturity of loan tenure.

Fees & Charges

  1. Late payment penalty: 1.0% p.a. on the instalment amount in arrears from overdue date.
  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


Private Listed Company (Sdn Bhd)

Minimum latest 6 months company bank statement AND Business Registration Document*


a) Latest Form B AND LHDN
payment receipt OR

b) Latest e-Form B AND e-filing acknowledgement receipt

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

Interest Rates

Loan Tenure Fixed Interest Rate Equivalent to Effective Interest Rate (Fixed interest rate, reducing balance, daily rest. Subject to customer remaining until end of tenure)
2 to 5 Years 6.88% p.a. 12.31% p.a.
9.88% p.a. 17.09% p.a. 
11.88% p.a. 20.13% p.a.
14.88% p.a. 24.15% p.a.
6 to 7 Years   6 Years 7 Years
7.88% p.a. 13.72% p.a. 13.51% p.a.
10.88% p.a. 18.26% p.a. 17.92% p.a.
12.88% p.a. 21.15% p.a. 20.71% p.a.
16.88% p.a. 26.65% p.a. 26.03% p.a.

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