Alliance Bank Personal Financing
Discover Alliance Bank’s personal financing options with the best interest rates in Malaysia. Enjoy flexible repayment terms and quick approval. Apply today for affordable financial solutions tailored to your needs.
Alliance Bank Cashfirst Personal Loan (via Digital Platform)
Exclusive rate at 3.99%p.a.* for Alliance Bank online application only. Apply online for fast approval. Limited time offer.
Benefits
Alliance Bank Personal Financing fulfils your financial needs for personal or business use.
- Low Interest/Profit Rate as low as 3.99%* p.a. (flat rate basis).
- Low monthly instalments.
Eligibility
- Malaysians.
- Malaysians working and residing in Malaysia will be considered.
- Age requirement: Aged between 21 to 60 years old (upon maturity of Facility).
- Income requirement: Minimum gross monthly income of RM5,000 or RM60,000 per annum.
Required Documentation Government Servant / Private Employee
- EPF, and
- Latest months’ pay slip, and
- Latest month bank statement that shows income crediting
Terms and Conditions
CLICK HERE to personal loan alliance bank view the full Product Disclosure Sheet for Personal Financing (Conventional).
Click HERE to view the full Product Disclosure Sheet for Personal Financing (Islamic)
What do I get from this product?
- Financing Amount: Minimum RM5,000, Maximum RM100,000.
- Tenure: From 1 Year (12 months) to 7 Years (84 months).
- Interest/Profit Rate: Approximately 3.99% per annum to 14.78% per annum (flat rate). (Effective Interest/Profit Rate: Approximately 7.40% per annum to 24.37% per annum based on 5 Years Financing tenure).
- The Alliance Bank Interest/Profit Rate quoted and/or prescribed by the Bank hereunder is subject to the Bank’s right to vary the same at any time and from time to time with prior notice to you.
- Total Interest/Profit: Financing Amount (RM) x Interest/Profit Rate (%) x Tenure (Years).
Example: Financing Amount: RM20,000, Interest/Profit Rate: 10.68% p.a., Tenure: 5 Years. Therefore, Total Interest/Profit = RM20,000 x 10.68% p.a. x 5 Years = RM10,680.
What other charges do I have to pay for Alliance Bank?
- Stamp duty (0.5%) on total approved financing amount, to be deducted from financing amount.
- Unless otherwise specified herein, our charges exclude any current taxes and future taxes that may be imposed (including the Sales and Services Tax (“SST”), under the relevant legislation. Upon the effective date of implementation of any such taxes in the future and wherever applicable, we will be entitled to recover such taxes from you.
Alliance Bank Business Loan
Business Finance-i Equipment Financing-i
Take your business further with Alliance Bank Business Loan, the right equipment with the right financing will enable your business to soar.
Competitive rates, minimal administrative and documentation costs and fast turnaround time.
General Working Capital-i
Our offerings provide funds for running your business, such as purchasing of stock, managing overheads and other business activities, in order to fulfil your working capital needs
Business Premises Financing-i
We have a wide range of financing facilities to finance commercial properties or refinance existing properties. We offer flexible financing tenures and high financing margins.
Bridging Finance-i
We offer bridging financing/facility which helps to bridge cashflow issues. A bridging financing helps to bridge developers’ cashflow during construction and pending receipt of sales proceeds from end-purchasers and their end-financiers. This is also to ensure the continuation of the development project till completion.
Palm Oil Plantation Financing-i
A tailor-made product to finance all the needs for an oil palm plantation business from purchase of land and development cost to working capital needs.
Government Assistance Schemes-i
Alliance Bank special funds and financing schemes from the Government for SMEs.
Alliance Bank Mortgage
Alliance Bank Mortgage has two types of mortgages:
- Alliance Bank Conventional Home Financing
- Alliance Bank Basic conventional home financing
Alliance Bank Conventional Home Financing
- Basic conventional home financing.
- Optional redraw facility which allows customer to deposit and withdraw excess fund and enjoy interest savings.
- No monthly maintenance fee.
With the assistance of the Conventional Home Financing plan, you will be able to get the house of your dreams with flexible financing tenure so you will not have to worry about paying for it immediately.
FEATURES
* Terms and Conditions apply. The features are subject to changes from time to time as deemed required by the bank.
| Features | Terms |
| Interest Rate | Variable rate pegged to Base Rate |
| Tenure | Up to 35 years / 70 years of age |
| Age Requirement | 21 years old and above |
| Margin of Financing | • Up to 90% + 5% Mortgage Reducing Term Assurance and/or Financed Entry Cost • Max 70% Overdraft facilities |
Effective financing rate or a 30-year home financing of RM350,000.
| Product Produk |
Financing amount Amaun pembiayaan |
Financing tenure Tempoh pembiayaan |
Effective financing rate Kadar pembiayaan efektif |
Effective date Tarikh efektif |
| Home Financing Pembiayaan Perumahan |
RM350,000 | 30 years/tahun | 3.36% p.a. | 15 May 2020 |
This effective financing rate is subject to change from time to time.
Alliance Bank Commercial Property Conventional Term Financing
- Basic conventional term financing.
- Redraw facility allows customer to deposit and withdraw excess fund and enjoy interest savings.
- No monthly maintenance fee.
With the opportunity to withdraw excess funds, you will be able to upgrade your office to meet your staffing demands and not have to worry about reimbursement with tenures of up to 25 years.
Benefit
- Interest rate: Variable rate pegged to Base Rate
- Tenure: Up to 25 years / 70 years of age
- Age requirement: 21 years old and above
- Margin of Financing: Up to 85% + 5% Mortgage Reducing Term Assurance and/or Financed Entry Cost. Max 70% Overdraft facilities
* Terms and Conditions apply. The features are subject to changes from time to time as deemed required by the bank.
Alliance Bank Business Loans
We all need a helping hand sometimes. You can count on Alliance Bank / Alliance Bank Business Loan to give you the full support you need.
Business Loan Products
Equipment Financing
Take your business further with the right equipment and financing. Enjoy competitive rates, minimal administrative and documentation costs and fast turnaround time.
SME Express Cash
Want to obtain financing to fulfil your business needs? With SME Express Cash, you can now get funds to run your business without any collateral!
CGC Portfolio Guarantee Scheme
Financing your business without any collateral.
General Working Capital
We provide funds to run your business to fulfill your working capital needs.
Bridging Finance
We offer bridging loan/facility which helps to bridge cashflow issues. A bridging loan helps to bridge developers’ cashflow during construction and pending receipt of sales proceeds from end-purchasers and their end-financiers. This is to ensure the continuation of the development project until completion.
Get financial backing from us so your construction projects will materialize smoothly. We offer bridging loan/financing facility for commercial, industrial and residential property development projects.
A bridging loan helps to bridge developers’ cashflow during construction while pending receipt of sales proceeds from end-purchasers and their end-financiers. This is also to ensure the continuation of the development project until completion.
Alliance SME Digital Clean Loan- old
ALLIANCE SME EXPRESS FINANCING REQUIRED DETAILS
- Is your company turnover over RM500K per annum? *: Yes / No
- Is your company established over 3 years? *: Yes / No
- Are you one of the director, shareholder or authorized person on behalf of the company? *: Yes / No
- Company Name *: (as per SSM)
- Company Registration Number *: (as per SSM)
- Name of Contact Person*: (e.g. John Smith)
- State *:
- Mobile No*: (e.g. 0123456789)
Example: 0121234567 - Preferred Contact Time*:
*By submitting the information above, I hereby declare that the particulars stated herein are true and that the Bank will be contacting me. I have read and understood the Personal Data Protection Act 2010 – Notice and Choice Principal Statement.
Business Premises Financing
We have a wide range of loan facilities to finance your commercial properties or refinance your existing properties. We offer flexible loan tenures and high financing margins.
Expanding your business often requires a surplus amount of funds. Gain the flexibility to refinance or acquire commercial property with us.
Alliance Bank offers a wide range of loan facilities that provide businesses the options to finance commercial properties or even refinance existing commercial properties. A suitable commercial property financing option will allow business owners more control of their business assets and company budget. With packages that range from basic conventional loan facility to flexible loan tenure and daily rest interest loan facility, there is bound to be a loan facility that will suit all categories of business owners.
Key Usage
- Acquisition of commercial property
- Refinancing of commercial property
Key Features
- Basic loan facility with the option of drawdown either in an overdraft, term loan or a combination of both Term Loan, fixed monthly repayment to ease the monitoring of your cash flow.
- Overdraft gives you the flexibility to reduce your loan as and when funds are available.
- Daily rest interest which helps you to save interest.
- No notice/fees conditions for excess payments and withdrawal.
- Redraw facility on excess payment, any amount, any time.
- Loan tenure up to 25 years.
- Financing up to 90% margin.
- Financing Entry Cost.
- Full flexibility under the Savelink account.
Eligibility Criteria
- Business registered in Malaysia.
- Business establishment/Management Experience of at least 3 years.
- For Sole-Proprietorship, Partnership and Private Limited Companies
Every business has different budgets, capital, plans and strategies. Alliance Bank Business Premises Financing ensures customers have the flexibility to acquire or refinance commercial properties according to business owners’ needs and requirements. We believe in helping customers grow their businesses along the way.
Government Assistance Schemes
Special funds and financing schemes from the Government for SMEs.
Breaking into a large market requires capital, time and effort. In accordance with the Government Assistance Scheme, SMEs can turn to Alliance for the financial banking needed.
In line with government’s various initiatives to support the development of SMEs in the country, Alliance Bank also provides several government assistance schemes to SMEs such as yourself.
BNM’s Fund for SMEs
The BNM’s Fund for SMEs is part of the Government’s continuous effort to ensure that the eligible Small and Medium Enterprises (SMEs) will have access to borrowing at reasonable cost.
Credit Guarantee Corporation Malaysia Berhad (CGC) offers guarantee to improve access to borrowing by SMEs in all economic sectors (other than primary agriculture sector and Micro Enterprises) via Flexi Guarantee Scheme (SME-All Economic Sectors). Application under BNM fund is eligible for low pricing according to the BNM Funding Rate.
Alliance Bank BizJamin/BizJamin-i
Alliance Bank BizJamin/ BizJamin-i is a guaranteed scheme established by Credit Guarantee Corporation (CGC) to assist entrepreneurs who have viable business but lack of collateral to obtain the required financing amount from Financial Institution.
The guarantee cover ranges between 30% and 90%.
Green Technology Financing Scheme (GTFS)
The Government has established a Green Technology Financing Scheme (GTFS) to promote green technology by making available the guarantee in the amount of the Guarantee Cover as defined under the Principal and Supplementary Management Agreement to the Approved Companies.
The objective of the Scheme is to promote investments in Green Technology which refers to products, equipment, or systems.
2% of the lending / financing rate subsidised by the Government.
Palm Oil Plantation Financing
A tailor-made product to finance all the needs for an oil palm plantation business from purchase of land and development cost to working capital needs.
Crafted especially for the needs of the palm oil industry, Alliance Bank believes that our financing covers all possible angles to ensure your project development goes smoothly.
By understanding your unique business needs as a company within the palm oil industry, Alliance Bank has specially developed a product to finance the cost of land purchase, development cost and working capital of your palm oil plantation. If you have an existing palm oil plantation, the Bank can also provide refinancing and cash out packages for your business needs.
Key Usage
- Land Purchase/Acquisition
- Development cost e.g. land clearing, road and terrain
- Working capital e.g. upkeep and maintenance of the plantation and fertiliser cost
- Expansion of the existing plantation business
Key Features
- Land Purchase/Acquisition
- Development cost e.g. land clearing, road and terrain
- Working capital e.g. upkeep and maintenance of the plantation and fertilizer cost.
- Expansion of the existing plantation business
Eligibility Criteria
- Business registered in Malaysia
- Business establishment/Management Experience of at least 3 years.
- For Sole-Proprietorship, Partnership and Private Limited Companies
Contact Alliance Bank Personal Loan
If you need assistance or have any inquiries, Citibank offers a range of contact numbers and support hours to ensure you get the help you need. Here’s how to reach the right department:
- Customer Service & Enquiries
Tel: 03-5516 9988 (Malaysia)
Available daily from 8:00 am to 10:00 pm - Scam Reporting Hotline
Tel: 03-5516 9800
Available 24 hours a day, 7 days a week - Business Banking
Tel: 1-300-80-3388 (Malaysia)
Tel: +603 5624 3888 (Overseas)
Available from 9:00 am to 6:00 pm (Monday to Friday)
Closed on Saturdays, Sundays, and public holidays - Customer Collection & Recoveries
Tel: 03-5516 9000
Tel: 03-5516 9200
Available 8:45 am to 5:45 pm (Monday to Thursday)
Available 8:45 am to 4:45 pm (Friday)
Closed on Saturdays, Sundays, and public holidays - Human Resource Contact & Medical Support
Tel: 03-2604 1212
Available 8:45 am to 5:45 pm (Monday to Thursday)
Available 8:45 am to 4:45 pm (Friday)
Closed on Saturdays, Sundays, and public holidays - Address
Alliance Bank
Menara Multi-Purpose @ CapSquare
8, Jalan Munshi Abdullah
50100 Kuala Lumpur
For any inquiries, don’t hesitate to contact the relevant department during their operating hours!
Alliance Bank Personal Financing: Summary
- Article Title: Alliance Bank Personal Financing
- Category: #Bank #AllianceBank #PersonalLoan
- Purpose: #Promotion
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*Source: Alliance Bank official website