Bank Rakyat Personal Loan 2021 Promotion

Bank Rakyat Financing-i / Personal Financing-i Public Sector

Bank Rakyat Personal Loan 2021 Promotion is now open to government employees and selected GLCs. Obtaining cash is now easier with Personal Financing-i. Now you can enjoy easy access to the necessary funds.

Concept

Tawarruq

Features

Amount of financing up to RM200,000
Financing tenure up to 10 years
No guarantor
Takaful coverage is optional
Fixed or floating profit rate

Eligibility

Malaysian citizen
Minimum age of 18 years and maximum 60 years old at the end of the financing tenure
Minimum fixed monthly income of RM1,000 including fixed allowances
Service in Public sector, GLC Companies and GLC Subsidiary
Minimum of three (3) months in service

Question
Answer

Bank Rakyat Financing Eligibility

Installment method as follow:

INSTALLMENT METHOD

ELIGIBILITY

Salary Transfer to Bank Rakyat

up to RM200,000

Biro Perkhidmatan Angkasa (BPA)

Salary Deduction

Electronic Payment

Based on income multiplier or RM200,000 whichever is lower

INCOME	ELIGIBILITY
RM 1,000 – RM 5,000	5 times monthly gross salary
RM 5,001 – RM 10,000	8 times monthly gross salary
More than RM 10,000	10 times monthly gross salary

Financing Rate

Fixed Rate

PAYMENT TYPE	TENURE	FIXED RATE
Salary Transfer to Bank Rakyat Biro Perkhidmatan Angkasa Salary Deduction	Up to 3 years	4.54%
	More than 3 – 10 years	4.99%
Electronic Payment	Up to 3 years	5.64%
Electronic Payment	More than 3 – 10 years	6.26%

*Note :

The profit rate above is for financing with takaful.
Additional profit rate up t.o 0.86% over the current profit rate for financing without takaful

Fee And Charges

TRANSACTION	CHARGE
Wakalah or Agency Fee	Wakalah or agency fee of RM28.30
Stamp duty fee	0.5% of total financing as contained in the Stamp Duty Act 1949.
Early Settlement Fee	Rebate (Ibra’) will be given on the deferred profit
Late Payment Charges	During the financing tenure : 1% per annum on the outstanding amount of the monthly payment After expiry of financing tenure : Shall not be more than the prevailing daily overnight Islamic Interbank Money Market rate (IIMM) on the outstanding balance

Document Required

DOCUMENTS REQUIRED	NEW APPLICATION	REPEATED/ OVERLAPPING
Copy of MyKad/MyTentera	√	√
Latest 3 months salary slip	√	√
Latest 3 months Bank Statements of salary crediting account	√
And at least one (1) of the below : Confirmation letter from employer EA Form	√

2021 Payment Schedule

Please click below:

2021-Bank-Rakyat-Payment+Schedule+Personal+Financing-i+Public+Floating+Rate

https://pinjamanperibadi2u.com.my

Hashtag / Keywords

#pinjamanperibadi #personalloan #pembiayaanperibadi #personalfinancing #koperasi #BankRakyat

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