Bank Muamalat Personal Loan Financing-i
Bank Muamalat is one of the trusted bank in Malaysia offering competitive personal loan .
About Bank Muamalat Malaysia Berhad (BMMB)
Anti- Bribery & Corruption Statement
Bank Muamalat Malaysia Berhad (“BMMB”) and its subsidiaries are committed to conducting business with transparency, integrity and compliance with regulatory requirements as well as good corporate governance practices.
In line with this commitment, the Bank adopts a ‘zero tolerance’ approach against all forms of bribery and corruption. All members of the Board of Directors, staff and third parties must uphold the highest standard of integrity and accountability in discharging their duties.
The principles of BMMB’s Anti-Bribery and Corruption Policy state:
Bribery
All forms of bribery and corruption in relation to BMMB’s activities are prohibited.
No Gift Policy
The Bank has adopted a “No Gift” policy. It is prohibited to offer or receive any gift that may influence good judgment and decision making.
Entertainment
All employees and directors are allowed to provide or accept entertainment to/from third parties only if for legitimate business purposes.
Donation & Sponsorship
Sponsorship and Donation must be transparent and not used as a subterfuge for bribery.
Product & Services
Muamalat Invest
Muamalat Invest Sdn Bhd (“MISB”) is a wholly-owned subsidiary of Bank Muamalat Malaysia Berhad. Muamalat Invest, a licensed Islamic fund manager, has been a licensed fund management company since 2006, and was accorded the Islamic Fund Management license in September 2010.
Wakaf Muamalat
Economic prosperity through Wakaf
Since 2012, Wakaf Muamalat has been active to empower wakaf through various collaborations and synergies for broader outreach. To date, Wakaf Muamalat has collected more than RM 26.7 million. Through Wakaf Muamalat, the needy and underprivileged will be in good hands.
Explore wakaf opportunities with us!
Jariah Fund
Jariah Fund is an online crowdfunding platform which aims to assist the underprivileged and contribute to society. The platform eases the donation drive through its transparent features by providing current reports and updates of the amount collected and the state of the intended beneficiaries.
Bank Muamalat Personal Loan Interest Rate / Profit Rate
Bank Muamalat Structured Personal Financing-i
- Minimum Financing : 2 years
- Maximum Financing : 10 Years
- Financing Up to RM250,000*
- Age up to 70 years old*
- No Guarantor Required
- No Processing Fee
- No Hidden Charges
- Debt Consolidations
- *subject to terms and conditions
Pembiayaan Peribadi Pesara (3P)
5.50%
/p.a
- TenureMinimum: 3 years Maximum: 10 years
- Financing AmountMinimum: RM 5,000.00 Maximum: RM 250,000.00
- Profit RateCompetitive Flat & Floating Rate
- Mode of PaymentPension with BMMB
- Wasiat/Will – writingOptional (highly encourage)
- TakafulOptional (highly encourage)
Bank Muamalat Personal Financing-i Programme
- Minimum Financing : 2 years
- Maximum Financing : 10 Years
- Financing Up to RM250,000*
- Age up to 70 years old*
- No Guarantor Required
- No Processing Fee
- No Hidden Charges
- Debt Consolidations
- *subject to terms and conditions
Cash-i Muamalat (Government, GLCs, GLICs & Employers under Empanelment Program)
$485
/p.a
- Age 18 and above
- Financing up to 60 years old or up to retirement age (whichever is earlier)
- Malaysian citizen
- Government Employees Federal and State Governments Confirmed position or is a permanent staff Minimum Income (salary + fixed allowance) of RM3,000 and above
- Newly Employed Civil Servant (NECS) Minimum Income of RM2,000 Employment less than 1 year
JADUAL PEMBAYARAN PEMBIAYAAN PERIBADI-i BANK MUAMALAT PESARA
untuk PESARA TENTERA & KAKITANGAN KERAJAAN
Jadual Pembayaran Pinjaman Peribadi Bank Muamalat Kadar Keuntungan: 5:50% (TETAP)
| JUMLAH PEMBIYAAN (RM) | 1 TAHUN | 2 TAHUN | 3 TAHUN | 4 TAHUN | 5 TAHUN | 6 TAHUN | 7 TAHUN | 8 TAHUN | 9 TAHUN | 10 TAHUN |
|---|---|---|---|---|---|---|---|---|---|---|
| 10,000 | 879 | 463 | 324 | 254 | 213 | 185 | 165 | 150 | 138 | 129 |
| 20,000 | 1,758 | 925 | 647 | 508 | 425 | 369 | 330 | 300 | 277 | 258 |
| 30,000 | 2,638 | 1,388 | 971 | 763 | 638 | 554 | 495 | 450 | 415 | 388 |
| 40,000 | 3,517 | 1,850 | 1,294 | 1,017 | 850 | 739 | 660 | 600 | 554 | 517 |
| 50,000 | 4,396 | 2,313 | 1,618 | 1,271 | 1,063 | 924 | 824 | 750 | 692 | 646 |
| 60,000 | 5,275 | 2,775 | 1,942 | 1,525 | 1,275 | 1,108 | 989 | 900 | 831 | 775 |
| 70,000 | 6,154 | 3,238 | 2,265 | 1,779 | 1,488 | 1,293 | 1,154 | 1,050 | 969 | 904 |
| 80,000 | 7,033 | 3,700 | 2,589 | 2,033 | 1,700 | 1,478 | 1,319 | 1,200 | 1,107 | 1,033 |
| 90,000 | 7,913 | 4,163 | 2,913 | 2,288 | 1,913 | 1,663 | 1,484 | 1,350 | 1,246 | 1,163 |
| 100,000 | 8,792 | 4,625 | 3,236 | 2,542 | 2,125 | 1,847 | 1,649 | 1,500 | 1,384 | 1,292 |
| 110,000 | 9,671 | 5,088 | 3,560 | 2,796 | 2,338 | 2,032 | 1,814 | 1,650 | 1,523 | 1,421 |
| 120,000 | 10,550 | 5,550 | 3,883 | 3,050 | 2,550 | 2,217 | 1,979 | 1,800 | 1,661 | 1,550 |
| 130,000 | 11,429 | 6,013 | 4,207 | 3,304 | 2,763 | 2,401 | 2,143 | 1,950 | 1,800 | 1,679 |
| 140,000 | 12,308 | 6,475 | 4,531 | 3,558 | 2,975 | 2,586 | 2,308 | 2,210 | 1,938 | 1,808 |
| 150,000 | 13,188 | 6,938 | 4,854 | 3,813 | 3,188 | 2,771 | 2,473 | 2,250 | 2,076 | 1,938 |
| 160,000 | 14,067 | 7,400 | 5,178 | 4,067 | 3,400 | 2,956 | 2,638 | 2,400 | 2,215 | 2,067 |
| 170,000 | 14,946 | 7,863 | 5,501 | 4,321 | 3,613 | 3,140 | 2,803 | 2,550 | 2,353 | 2,196 |
| 180,000 | 15,825 | 8,325 | 5,825 | 4,575 | 3,825 | 3,325 | 2,968 | 2,700 | 2,492 | 2,325 |
| 190,000 | 16,704 | 8,788 | 6,149 | 4,829 | 4,038 | 3,510 | 3,133 | 2,850 | 2,630 | 2,454 |
| 200,000 | 17,583 | 9,250 | 6,472 | 5,083 | 4,250 | 3,694 | 3,298 | 3,000 | 2,769 | 2,583 |
| 210,000 | 18,463 | 9,713 | 6,796 | 5,338 | 4,463 | 3,879 | 3,463 | 3,150 | 2,907 | 2,713 |
| 220,000 | 19,342 | 10,175 | 7,119 | 5,592 | 4,675 | 4,064 | 3,627 | 3,300 | 3,045 | 2,842 |
| 230,000 | 20,221 | 10,638 | 7,443 | 5,846 | 4,888 | 4,249 | 3,792 | 3,450 | 3,184 | 2,971 |
| 240,000 | 21,100 | 11,100 | 7,767 | 6,100 | 5,100 | 4,433 | 3,957 | 3,600 | 3,322 | 3,100 |
| 250,000 | 21,979 | 11,563 | 8,090 | 6,354 | 5,313 | 4,618 | 4,122 | 3,750 | 3,461 | 3,229 |
* Sebarang perubahan pembayaran balik pembiayaan tertakluk kepada terma & syarat.
Bank Muamalat Takaful and Shariah Concepts
Bank Muamalat Personal Financing-i (Tawarruq) is a financing facility that is designed to provide cash financing to the customers for personal consumption/ use which does not contravene with the Shariah principles.
Generally, this product is based on Tawarruq as its underlying Shariah concept for provision of financing.
The financing structure under the Tawarruq arrangement involves the combination of Wa’d Mulzim, Murabahah, Wakalah and Bai’ Wadhi’ah contracts.
Tawarruq consists of two sale and purchase contracts where the first involves the sale of an asset by a seller to a purchaser on a deferred basis. Subsequently, the purchaser of the first sale will sell the same asset to a third party on a cash basis.
Murabahah refers to a sale and purchase of an asset where the acquisition cost and the mark-up are disclosed to the purchaser.
Wakalah means a contract in which a party (muwakkil) authorises another party as his agents (wakil) to perform a particular task, in matters that may be delegated, either voluntarily or with imposition of fee.
Wa’d refers to an expression of commitment given by one party to another to perform certain action(s) in the future.
Bai’ Wadhi’ah is a sale contract whereby the asset / commodity is sold at lower price than the cost incurred by the Customer.
Contact Bank Muamalat
Location and Address
Banks in Malaysia
Bank Muamalat Malaysia Berhad
Ibu Pejabat, Menara Bumiputra,
21 Jalan Melaka,
50100 Kuala Lumpur
Call Center
+603-2600 5500
E-Mail
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*Source: bank.com.my