Bank Islam Personal Loan

Bank Islam, Malaysia’s first Islamic bank, offers a wide range of personal loan options for both government and private sector employees. Benefit from trusted, Shariah-compliant financial solutions with a vast network of banking channels.

UNPARALLELED NETWORK OF ISLAMIC BANKING CHANNELS IN MALAYSIA

Bank Islam is the FIRST Islamic bank in Malaysia and has the widest network of dedicated Islamic banking channels, with more than 144 branches throughout the country.

We are founded to provide banking and financial solutions that are based on the principles of Shariah, which focus on balancing individual and social needs, as well as economic activities that promote justice as well as responsibility to the society and planet.

Over 35 Years of Service

1 July 1983 is a date of historic significance. It was when Bank Islam Malaysian Berhad or Bank Islam, in short, was officially established. The day marked the beginning of Islamic banking not just in Malaysia but also within the ASEAN region.

Bank Islam Personal Financing for Professional Program

Eligibility & Requirements

• Applicant must be above 25 years old and not exceeding the retirement age at the end of payment period
• Malaysian citizen
• Working as a professional in Medical Doctor, Dentist, Accountant, Engineer, Lecturer, Architect, Safety Officer, Pharmacist, Veterinary, Optometrist or Optician, Quantity Surveyor and Actuary
• Fixed income earner with a minimum gross income of RM3,500.

Bank Islam Personal Financing-i Non Package

Eligibility

• Applicant must be 18 years and not exceeding the retirement age at the end of payment period
• Malaysian citizen
• Earning a minimum fixed income of RM3,500 per month
• Applicant must be a continued employee in any of the following:
• Public Listed Companies

Bank Islam Personal Financing-i Package

Eligibility

• Applicant must be 18 years and not exceeding the retirement age at the end of payment period
• Malaysian citizen
• Earning a minimum fixed income of RM2,000 per month

Applicant must be a continued employee in any of the following:

• Government Sector
• Selected Public Listed Companies
• Subsidiaries of Government or Selected Public Listed Company
• Other Prominent Private Limited Companies as categorized under package companies listed by Bank Islam

Bank Islam Personal Loan Interest Rate / Profit Rate

Personal Financing for Professional Program

Base Rate (BR) + 1.90%/p.a

• Financing Quantum Based on eligibility limit and subject to minimum amount of RM10,000 and maximum amount of RM300,000
• Payment Period Maximum of 10 years (120 months) or up to the retirement age, whichever is earlier
• Financing Rate Offer with Takaful Coverage Floating Rate 1-3 year: Base Rate (BR) + 1.90% p.a (Profit is calculated on a daily basis based on “Monthly Rest”). 4-10 years : Base Rate (BR) + 2.11% p.a (Profit is calculated on a daily basis based on “Monthly Rest”). Note: Revised BR (effective date 10 July 2020) is 2.52% p.a
• Financing Rate Offer Without Takaful Coverage Floating Rate 1-3 year: Base Rate (BR) + 3.38% p.a (Profit is calculated on a daily basis based on “Monthly Rest”). 4-10 years : Base Rate (BR) + 5.28% p.a (Profit is calculated on a daily basis based on “Monthly Rest”). Note: Revised BR (effective date 10 July 2020) is 2.52% p.a

Personal Financing-i Non-Package 4.5% /p.a. (Flat)

• Financing Quantum Based on eligibility limit and subject to minimum of RM10,000 and maximum amount of RM150,000
• Payment Period Maximum 120 months (10 years) or up to the retirement age, whichever is earlier
• Financing Rate Offer With Takaful Coverage Flat Rate 1 – 3 years: 4.5% p.a. (Flat). (Profit is calculated on a monthly basis based on “Sum of Digit”) 4 – 8 years: 4.9% p.a (Flat). (Profit is calculated on a monthly basis based on “Sum of Digit”) 9 – 10 years: 5.50% p.a. (Flat). (Profit is calculated on a monthly basis based on “Sum of Digit”)
• Financing Rate Offer Without Takaful Coverage Flat Rate 1 – 3 years: 5.5% p.a. (Flat). (Profit is calculated on a monthly basis based on “Sum of Digit”) 4 – 8 years: 5.9% p.a (Flat). (Profit is calculated on a monthly basis based on “Sum of Digit”) 9 – 10 years: 6.5% p.a. (Flat). (Profit is calculated on a monthly basis based on “Sum of Digit”)

Personal Financing-i Package Base Rate (BR) + 3.38% /p.a

• Features Financing Quantum Based on eligibility limit and subject to minimum amount of RM10,000 and maximum amount of RM300,000
• Payment Period Maximum of 10 years (120 months) or up to the retirement age, whichever is earlier
• Financing Rate Offer with Takaful Coverage Floating Rate (Base Rate [BR]) 1-3 years: Base Rate (BR) + 1.90% p.a. (Profit is calculated on a daily basis based on “Monthly Rest”). 4-10 years: Base Rate (BR) + 2.00% p.a. (Profit is calculated on a daily basis based on “Monthly Rest”). Note: Revised BR (effective date 10 July 2020) is 2.52% p.a
• Financing Rate Offer Without Takaful Coverage Floating Rate (Base Rate [BR]) 1-3 years: Base Rate (BR) + 3.38% p.a. (Profit is calculated on a daily basis based on “Monthly Rest”). 4-10 years: Base Rate (BR) + 5.28% p.a. (Profit is calculated on a daily basis based on “Monthly Rest”). Note: Revised BR (effective date 10 July 2020) is 2.52% p.a
• Financing Rate Offer with Takaful Coverage Flat Rate 1-10 years: 4.99% p.a. (Profit is calculated on a monthly basis based on “Sum of Digit”).
• Financing Rate Offer Without Takaful Coverage Flat Rate 1-10 years: 5.99% p.a. (Profit is calculated on a monthly basis based on “Sum of Digit”).

Personal Financing-i Programme for Medical Practitioner

Financing Quantum

Based on eligibility limit and subject to minimum amount of RM10,000 and maximum amount of RM300,000

Payment Period

• Maximum of 10 years (120 months) or up to the retirement age, whichever is earlier
• Financing Rate Offer with Takaful Coverage

Flat Rate

• 1-10 years: 4.99% p.a. (Profit is calculated on a monthly basis based on “Sum of Digit”).

Floating Rate (Base Rate [BR])

• 1-3 years: Base Rate (BR) + 1.90% p.a. (Profit is calculated on a daily basis based on “Monthly Rest”).
• 4-10 years: Base Rate (BR) + 2.00% p.a. (Profit is calculated on a daily basis based on “Monthly Rest”).
• Revised BR (effective date 12 May 2020) is 2.77% p.a

Financing Rate Offer Without Takaful Coverage

Flat Rate

• 1-10 years: 5.99% p.a. (Profit is calculated on a monthly basis based on “Sum of Digit”).

Floating Rate (Base Rate [BR])

• 1-3 years: Base Rate (BR) + 3.38% p.a. (Profit is calculated on a daily basis based on “Monthly Rest”).
• 4-10 years : Base Rate (BR) + 5.28% p.a.
• Revised BR (effective date 12 May 2020) is 2.77% p.a

Contact Bank Islam Malaysia Berhad (BIMB)

Bank Islam e-mail correspondent unit operation hours are from Monday to Friday (9.00am to 6.00pm). We don’t operate on weekends and public holidays.

For any urgent matters especially to report on a lost or stolen card, please immediately call Bank Islam Contact Centre at 03-26 900 900 (24hours/7days a week).

Location and Address

Bank Islam Malaysia Berhad
Level 32, Menara Bank Islam
No. 22, Jalan Perak
50450 Kuala Lumpur

General Line and Call Center

General Line: +603 2088 8000
Call Center: +603 26 900 900

E-Mail

Email us your inquiries to:

contactcenter@bankislam.com.my

Bank Islam: Summary

• Article Title: Bank Islam
• Category: #Bank #BIMB #PersonalLoan 
• Purpose: #Promotion 

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*Source: bankislam.com official website