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As low as 6.88% per annum*
Fixed interest rates from as low as 6.88% to 16.88% fixed per annum which is equivalent to Effective Interest Rates of 12.31% to 26.65% per annum.
Please refer to the Interest Rates table below for details.
No additional fees
FEES AND CHARGES
Late Payment Penalty
1.0% p.a. on the installment amount in arrears from the overdue date.
Loan tenure of up to 7 years
Flexible payment period for up to 7 years
1. Loan tenure of 6 & 7 years is only applicable for Existing to Bank Customers. Additional criteria to be entitled for loan tenure of 6 & 7 years is age ≥30 years with a monthly gross income of ≥RM3,000.
2. New to Bank Customers and Existing to Bank Customers who do not fulfill the above criteria are entitled to a loan tenure of up to 5 years.
Loan amount offered from a minimum of RM2,000 to a maximum of RM300,000
1. Maximum Loan amount >RM100K to RM300K is only applicable for Existing to Bank Customers. Additional criteria to be entitled for maximum loan amount >RM100K to RM300K is a monthly gross income RM30,000 and above.
2. New and Existing to Bank Customers who do not fulfill the above criteria are entitled for loan amount up to RM100,000 (Or up to 8 times gross monthly income, whichever is lower).
|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|
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
|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.|