9 Best Pinjaman Peribadi BSN Personal Loan - Kerajaan Swasta

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Personal Loan BSN | Pinjaman Peribadi BSN

Need a helping hand to fulfill your dream? At BSN,  have a range of loan facilities designed to help you achieve whatever you have in mind.

BSN Personal Loan Government Sector

Personal Loan

» Public Sector
» Private Sector

BSN MyRinggit (Public Sector)

Eligibility
» Malaysian citizen aged 21 years old to 60 years old (subject to retirement age at the end of loan tenure).
» Works in government sector / GLA / GLC / organizations which has the facility of salary deduction through BPA.
» Minimum income of RM1,500 per month.
» Permanent employee who has been employed for 3 months and above.
» Contract / temporary employee (over 12 months’ service).
» BSN Giro/i account holder.

Documents Required
1. A copy of NRIC (both sides).
2. Confirmation letter from employer; AND
3. Latest 2 months’ salary slip.

What’s Next?

  • Apply for BSN MyRinggit
  • View Product Disclosure Sheet.
  • Can you afford the monthly payments? Let’s try and calculate.

*View Current BSN Base Rate (BR) / Base Lending Rate (BLR).

Loan Info

Fixed Rate Floating Rate
Interest Rate 4.60% to 6.99% BR + 1.75% to BR + 3.77%
Interest Rate Without Insurance Additional 1% from the above rate
Loan Limit Minimum: RM5,000 Maximum: RM200,000
Loan Tenure Up to 10 years

Terms & conditions apply.

Late Payment Charge (LPC)

» Monthly Instalments in Arrears × 1% × Number Of Days Overdue / 365

bsn personal loan
bsn personal loan

Personal Loan BSN MyRinggit (Eksekutif-1)

Our BSN MyRinggit Eksekutif-1 is exclusively designed to help you meet your personal financing needs at affordable rates.

Eligibility

  • Malaysian citizen aged 21 years old to 55 / 60* years old (subject to retirement age at the end of the loan tenure).
  • Open to permanent & contract officers and staff that have minimum one year of working experience.
  • Offered only to employees of Premier Developer Panel, Private Hospital, Telecommunication Company, Licensed Financial Institution, Multinational Company, PETRONAS Group of Companies, Selected Private University & College, Statutory Body, Government Link Company, Selected Public Listed Company in Main Market Bursa Malaysia (Financial, Plantation, Property, Technology, Trading / Service, Industrial Product, Consumer Sectors only) and Professionals (Doctor, Architect, Lawyer, Accountant and other certified Professionals).
  • Minimum gross income of RM3,000 per month (permanent staff) & RM10,000 (contract staff).
  • BSN GIRO/i Account holders.

    Note: *Subject to employer confirmation

Documents Required

  • A copy of NRIC (front and back);
  • A copy of latest 3 months pay slip;
  • Latest EPF statement; AND
  • Confirmation Letter by Employer stating the below:
    – Name
    – NRIC
    – Designation
    – Monthly Salary
    – Date of Employment
    OR
  • Latest EA / EC statement and latest e-filing form or any verified documents by the Inland Revenue Board (LHDN).

    Note: All document copies to be certified by BSN’s officer.

Fixed Rate

Floating Rate

Interest Rate

6.00% to 8.50%

BR + 5.00%

Interest Rate Without Insurance

Additional 1% from the above interest rate

Loan Limit

 

Income

Loan Limit

RM3,000 to RM5,000

5x of monthly gross income

> RM5,000 to RM10,000

7x of monthly gross income

> RM10,000

10x of monthly gross income / maximum RM200,000 whichever is lower

 

Loan Tenure

Minimum: 2 years
Maximum: 10 years

Method of Payment

BSN Standing Instruction

Terms & conditions apply.

 

Late Payment Charge (LPC)

» Monthly Instalments in Arrears × 1% × Number Of Days Overdue / 365

What’s Next?

  • Apply for BSN MyRinggit
  • View Product Disclosure Sheet
  • Can you afford the monthly payments? Let’s try and calculate.

*View Current BSN Base Rate (BR) / Base Lending Rate (BLR).

BSN Pledging Loan

BSN MyRinggit Sandaran BSN Term Deposit

Getting hold of extra funds couldn’t be easier for BSN MyRinggit BSN Term Deposit Certificate Holders. Our BSN MyRinggit Sandaran BSN Term Deposit allows you to secure up to 95% of your BSN Term Deposit value without any guarantor!

Eligibility

  • Malaysian citizen aged 18 years and above (not exceeding 65 years old on the loan expiry date).
  • BSN Term Deposit authorised certificate holder.

Documents Required

  • A Copy of your NRIC (both sides).
  • Original certificate of BSN Term Deposit.
  • Copy of BSN GIRO/i Passbook / Statement.

Features and Benefits

GuarantorWithout guarantor required. Just mortgage your BSN Term Deposit Certificate.
Minimum Loan LimitRM5,000.
Maximum Loan Limit95% from your BSN Term Deposit value.
Minimum Loan PeriodTwo (2) years
Maximum Loan PeriodTen (10) years
Payment ChannelBSN Standing Instruction

Rates

The rates for BSN personal loan for MyRinggit Sandaran BSB Term Deposit are as follows:

Loan AmountInterest Rate
< RM100,000BR + 2.50%
> RM 100,000BR + 2.00%
 
 

MyRinggit Sandaran BSN Term Deposit Monthly Instalment Computation

Loan AmountRM99,500.00RM100,000.00
Period5 years5 years
Factor19.542719.3096
LoanPeriod (year)FactorCalculationInstalment (RM)
99,500519.542799.5 x 19.54271,945
100,000519.3096100 x 19.30961,931

Late Payment Charge

Monthly Instalents in Arrears × 1% × Number Of Days Overdue ⁄ 365.

Note: Subject to the Terms & Conditions.

Loan Limit*

Loan amount will be in multiple of RM1, 000 and subject to the following limit :

MinimumMaximum
RM10,000RM200,000
(Excluding other charges) 

Rates:

Tenure

Interest Rate

5 – 30 years or subject to the maximum age of 65 years whichever is earlier.

BR + 1.05%
Loan amount up to RM50,000

BR + 0.85%
Loan amount above RM50,000

Late Payment Charge
» Monthly installments in Arrears × 1% × Number of Days Overdue / 365

* Subject to the current Bank’s terms and conditions

bank simpanan nasional
bsn

BSN ASB Loan

ASB With Floating Rate

Invest in a better financial future with our BSN MyRinggit ASB – a term loan that helps you purchase ASB unit trust funds.

Eligibility*

  • All qualified ASB investors under the ASNB guidelines.
  • Aged 18 to 65 years old at the end of the loan tenure.

Document Required

» For Permanent Employee:

  1. 1 copy of NRIC (front and back).
  2. 1 copy of latest salary slip.
  3. 1 copy of Cash Investment Detail Statement.
    OR
    1 copy of ASB passbook (page of customer’s details) / Statement from MyASNB (online) / Any document or statement from ASNB that states name and membership number of unit holders.
  4. KYC memo between customer and Sales Advisor (SA)
  5. Any 1 of the following documents:
  • Latest EPF statement
  • *Employer Confirmation Letter
  • Latest EA/EC and e-filing form
    Note: *HRMIS can be used for applicants where their salary is managed by Accountant General (AG) / / PDRM / State Treasury.

» For Self-Employed:

  1. 1 copy of NRIC (front and back);
  2. 1 copy of Detailed Statement on Cash.
    OR
    1 copy of ASB passbook (page of customer’s details) / Statement from MyASNB (online) / Any document or statement from ASNB that states name and membership number of unit holders;
  3. 1 copy of latest 6 months bank statement;
  4. Latest e-B/e-BT slip and e-filing or any verified documents by LHDN.
  5. KYC memo between customer and Sales Advisor (SA).

» Customer with payment vouchers as proof of monthly salary receipts:

  1. 1 copy of NRIC (front and back);
  2. Salary voucher as a payment proof of monthly salary for the latest 6 months.
  3. 1 copy of Detailed Statement on Cash.
    OR
    1 copy of ASB passbook (page of customer’s details) / Statement from MyASNB (online) / Any document or statement from ASNB that states name and membership number of unit holders.
  4. KYC memo between customer and Sales Advisor (SA).

Note: All documents must be certified by BSN staff.

Feature
» Mode of payment is via BSN Standing Instruction.

BSN MyHome (Program Perumahan Rakyat)

BSN MyHome (Program Perumahan Rakyat) is designed to help those who are self-employed or with irregular income to own a home.

Requirements

Program Perumahan Rakyat BSN loan requirements are as follows:-

  • Malaysian citizen aged between 18 to 60 years old.
  • Individual / Joint Applicants.
  • roof of self-employment.
  • Minimum Income RM1,000 per month.
  • For financing of first home and for own residence only.
  • Financing only for low cost or average properties.

Features & Benefits

  • Financing up to RM300,000.
  • Financing margin up to 100% (inclusive of MRTA / MRTT & TLRT).
  • Financing period up to 35 years.

Late Payment Charge

Monthly Instalments in Arrears × 1% × Number Of Days Overdue ⁄ 365.

Stamp Duty

Principal Documents – Will be charged on ad valorem basis. Other Documents – RM 10.00

Interest Rates

Interest rates for BSN loan are as follows:

Loan Amount
(RM)

Tenure
(Year)

Effective Interest Rate (EIR)

Completed Property

Under Construction Property

RM 100,000 and below

Whole tenure

 

BR + 3.00%

BR + 3.00%

>RM100,000
 up to RM300,000

1 – 2

 

BR + 1.20%

BR + 0.95%

Thereafter

BR + 1.20%

 

bsn home loan
bsn property loan

BSN Property Loan

Our BSN MyHome

(Residential Property) helps you get your dream home with ease. Choose from BSN MyHome or Mortgage Refinancing packages; available at low interest rates to suit your financial needs.

Bank Simpanan Nasional Malaysia Loan Options

  • For purchase of new residential house or residential house under construction
  • For purchase of completed new residential house purchased from its owner
  • Mortgage refinancing
  • For purchase of bungalow lot and building the house thereon

Requirements

For Individual / Joint Applicant

  • Malaysian citizen aged 21 years old and above (not exceeding 70* years old at the end of loan period).
  • With regular income and capable of making repayment.
  • With proof of property purchase or owns a property.
  • Property located in ¹MF 6 and above areas
  • Under Construction Property and Completed Property

Notes:

*Eligibility for age limit of 70 years old is subject to Bank’s Terms & Conditions.» ¹MF: Marketability Factor. » ²Terms and Conditions apply.

For Organisation

  • Organisations; either sole proprietor, partnership, private company or public company owned by Malaysian citizen (under the Partnership Act 1961 or Company Act 1965)
  • Operated for at least two (2) years
  • Stable financial record

Mortgage Refinancing Package

Refinance your property for extra funds. The value of refinancing will be between your current home finance and current property value.

Features & Benefits

  • Loan tenure up to 35 years or not more than 70 years old* at the end of the loan period (whichever first).
  • Margin of financing could reach up to 95% (subject to Terms & Condition) upon the purchase price from the developer (inclusive of MRTA).
  • Easy to apply – provided at all BSN Main Branch nationwide.
  • Convenient payment channels:
    – BSN Branches nationwide
    – Standing Instruction / Savings Account
    – Interbank GIRO (IBG)
  • Loan options:
    – Loan for property still under construction.
    – Loan for completed property.
    – Refinancing

Packages:

PackageDetails
Second Charge Package»  Especially for Government Servants and other Government Agencies entitled for
    a home loan.
»  As an additional loan, in case the existing loan is insufficient.
2 Generations Package

»  Joint loan consisting of 2 generations parent(s) and child (still in a learning institution
    and aged 21 years and above).
»  Enjoy a longer loan period.
»  Children pursuing studies at Diploma level and above and would graduate in three (3)
    years time.
»  Parent still have steady/fix income for a period of five(5) years.

Notes:

*Eligibility for age limit of 70 years old is subject to Bank’s Terms & Conditions.

Documents Required

For Individual / Joint Applicant

  • A copy of NRIC (applicant’s / joint applicant’s)
  • Pay Slip – original copy and latest three (3) months copies
  • Latest 3 months Bank Statement
  • Latest 6 months Bank Statement (other income)
  • Latest EPF Statement
  • Employer Confirmation Letter
  • J Form / Latest Income Tax Declaration
  • Copy of Sale and Purchase Agreement and / or property documents
  • Copy of Evaluation Report (for property purchase) from panel valuer registered with the Bank

For Organisation

  • Organisation Bank Statement for the period of six (6) months
  • Organisation Financial Statement for last two (2) years approved by authorised Audit Body
  • B/BE Form & LHDN Receipt
  • Business Registration Certificate (SSM)
  • Memorandum & Articles of Association (M&A) / Form 24, Form 44 & Form 49
  • Board of Director Resolution (*Guarantor: If required; mandatory documents are similar to applicant.)

Interest Rates

No

Loan Amount [Including Finance Entry Cost (FEC)]

Tenure

Interest Rates

Completed and  Under Construction Property

1

RM100,000 and
below

Whole Tenure

BR  + 3.00%

2

> RM100,000
to
< RM300,000

BR + 0.60%

3

RM300,000 to 
< RM500,000

 BR + 0.50%

4

RM500,000 and above

BR + 0.40%

Note:

i) Additional 0.15% from the above interest rate for loan without Insurance.
*Subject to terms and conditions

Early Settlement

» You may settle your loan at any time by submitting a written notice to the Bank.

Late Payment Charge

» Monthly Installments in Arrears × 1% × Number Of Days Overdue ⁄ 365.

Stamp Duty

» Principal Documents – Will be charged on ad valorem basis.
» Other Documents – RM 10.00

 

 

Pinjaman Peribadi Bank Simpanan Nasional Personal Loan Reviews

Our Bank Simpanan Nasional MyRinggit Eksekutif-1 is exclusively designed to help you meet your personal financing needs at affordable rates. The best personal loan BSN available to apply. Act now!
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Bank Simpanan Nasional Ground Floor & First Floor, 117, Jalan Ampang, Kuala Lumpur, 50450 Kuala Lumpur

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