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Minimum Monthly Gross Income
Eligible with a minimum monthly gross income of RM800 (including variables, e.g. overtime and allowances).
Guarantor is not required.
Financing tenure of up to 5 years with minimum tenure of 6 months.
| 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.) |
Minimum latest 6 months company bank statement AND Business Registration Document* |
| Profit Rate (Flat Rate) | Equivalent to Effective Profit Rate |
|---|---|
| It ranges from 18% to 24% per annum | It ranges from 28.88% to 41.70% per annum depending on financing tenure. |