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  • Bank Muamalat Personal Loan: Trusted and Easy Financing

    Bank Muamalat Personal Loan: Trusted and Easy Financing


    Bank Muamalat Personal Loan Financing-i

    Bank Muamalat offers competitive personal loan financing-i in Malaysia, providing trusted and flexible financial solutions to meet your personal needs. Apply for a loan with ease and benefit from great rates.

    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

    • Tenure Minimum: 3 years Maximum: 10 years
    • Financing Amount Minimum: RM 5,000.00 Maximum: RM 250,000.00
    • Profit Rate Competitive Flat & Floating Rate
    • Mode of Payment Pension with BMMB
    • Wasiat/Will – writing Optional (highly encourage)
    • Takaful Optional (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

    Repayment Schedule for Military Veterans & Government Employees 5.50% Fixed Profit Rate

    Explore the personal financing repayment schedule from Bank Muamalat with a fixed profit rate of 5.50% for military veterans and government employees. Get flexible and easy loan options tailored to your needs.

    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

    Bank Muamalat Malaysia Berhad
    Ibu Pejabat, Menara Bumiputra,
    21 Jalan Melaka,
    50100 Kuala Lumpur

    Call Center

    +603-2600 5500

    E-Mail

    Email us your inquiries to:
    feedback@muamalat.com.my






    Pinjaman Peribadi Bank Muamalat Malaysia Berhad Personal Loan Financing-i BMMB

    Bank Muamalat: Summary

    • Article Title: Bank Muamalat
    • Category: #Bank #BMMB #PersonalLoan 
    • Purpose: #Promotion 

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