10 Best Pinjaman Peribadi Bank Islam Personal Loan​

Personal Financing: Pinjaman Peribadi Bank Islam Loan

Pinjaman Peribadi Bank Islam dan Loan Patuh Syariah. For those who seek for good interest rates and Islamic loan, do not look further. Catered for all type of individuals, professionals in all areas. The peace of mind ‘pinjaman peribadi’ and very competitive montly installment.

Apart from personal loan, Bank Islam also offers other services like credit card, housing loan, home financing-i etc.

To apply, please Call/SMS/Whatsapp your latest e penyata gaji anm or epayslip to 019-2983056. You may also access your online epayslip e penyata gaji & laporan anm with this click epenyatagaji & laporan anm

Pinjaman Peribadi Bank Islam Cash Line-i

Personal Cash Line-i against Bank Islam’s Fixed Deposit, Structured Investment or Unit Trust. One of the best personal financing in Malaysia.

Financing Quantum

Subject to a minimum of RM10,000

Margin of Financing

Up to 100% if secured against fixed deposit

Up to 80% if secured against structured investment

Up to 60% if secured against unit trust

Payment Period

Secured against fixed deposit or structured investment. Maximum of 5 years (60 months) with no age limit. Secured against unit trust

Maximum of 5 years (60 months) or up to the retirement age or up to 70 years old, whichever is earlier

Pinjaman Peribadi Bank Islam Cash Line-i Secured

Personal Cash Line-i against Bank Islam’s Fixed Deposit, Structured Investment or Unit Trust

Financing Quantum

Subject to a minimum of RM5,000

Margin of Financing

Up to 100% if secured against fixed deposit

Up to 80% if secured against structured investment

Up to 60% if secured against unit trust

Payment Period

Secured against fixed deposit or structured investment

Maximum of 5 years (60 months) with no age limit

Secured against unit trust

Maximum of 5 years (60 months) or up to the retirement age or up to 70 years old, whichever is earlier

Pinjaman Peribadi Bank Islam Personal Loan Financing-i Programme for Medical Practitioner

Benefits & Features

Financing Quantum

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

Payment Period Tenures

Maximum of 10 years (120 months) or up to the retirement age, whichever is earlier

Financing Rate Offer With Takaful Coverage

Flat Rate

(Promotional Rate for Package and Program Customer, 7 months only from 01/08/2019 to 29/02/2020)

1- 3 years : 4.20% p.a. (Profit is calculated on a monthly basis based on “Sum of Digit”).

4-10 years : 4.35% p.a. (Profit is calculated on a monthly basis based on “Sum of Digit”).

Floating Rate Fragmentation (Base Rate [BR])

1-3 years: Base Rate (BR) + 2.38% p.a. (Profit is calculated on a daily basis based on “Monthly Rest”).

4-10 years: Base Rate (BR) + 3.02% p.a. (Profit is calculated on a daily basis based on “Monthly Rest”).

Revised BR (effective date 10 May 2019) is 3.77% p.a

Financing Rate Offer Without Takaful Coverage

Flat Rate

(Promotional Rate for Package and Program Customer, 7 months only from 01/08/2019 to 29/02/2020)

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 10 May 2019) is 3.77% p.a

Eligibility & Requirements

Eligibility (Salary Earner)

Applicant must be 25 years old and not exceeding the retirement age at the end of payment period

Malaysian citizen

Fixed income earner with a minimum gross income of RM2,000 per month

Minimum tenure in service:

Permanent Staff : 6 months

Contract Staff : 2 years (Government only)

Eligibility (Sole Proprietorship or Partnership)

Applicant must be 25 years old and not exceeding the retirement age at the end of payment period (maximum entry age is 65 years and up to 70 years old)

Malaysian citizen

Earning a minimum gross monthly income of RM2,000 and above

Minimum of 2 years in business

Documents Required

For salary earner applicant:-

Photocopy of Identity Card

Latest payslip

Latest letter of confirmation from employer (salary earner)

Certificate of registration with Malaysian Medical Council or Malaysian Dental Council

And at least one (1) of these:

Latest income statement (Form B/eBE/ EA/EC); or

Latest 3 months Bank Statements of salary crediting account; or

Any other latest supporting document such as EPF statement, if required

For Sole Proprietorship or Partnership:-

Photocopy of identity card

Fees & Charges

RM50.00 – For being the customer’s agent to sell commodity to the Broker

T&C and PDS

Pinjaman Peribadi Bank Islam Personal Financing-i Non Package

Financing Quantum

Based on eligibility limit and subject to minimum of RM10,000 and maximum amount of RM150,000

Financing RM30,000 and below – without guarantor

Financing more than RM30,000 – one guarantor

Payment Period

Maximum 120 months (10 years) or up to the retirement age, whichever is earlier

Personal Financing-i Package

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

Promotional Rate for Teacher and Nurse (7 months only from 01/08/2019 to 29/02/2020)

~ Pinjaman Peribadi Bank Islam Personal Loan ~