Hong Leong Bank Personal Loan HLB
Explore the Hong Leong Bank Personal Loan (HLB) offering low interest rates, flexible repayment terms, and quick approval. Whether you need funds for debt consolidation, home renovations, or personal expenses, HLB’s personal loan provides the perfect solution. Apply today and enjoy a seamless loan application process with competitive rates to meet all your financial needs.
Hong Leong Bank Personal Loan (HLB): Flexible Financing with Low Interest Rates
Hong Leong Bank Personal Loan HLB is offering you the best financing at your convenient. Apply now with the best bank in Malaysia!
Features and Benefits
- 20% Cash Back on interest
- Monthly instalments as low as RM130*
- Fast approval within 48 hours**
- Flexible repayment tenure of up to 5 years
- Minimum income eligibility of only RM24,000 per annum
- No guarantor and no collateral
- 5-minute loan approval at am:pm Convenient Banking**
Eligibility
- Malaysian citizens only, aged between 21 to 60 years old
- Earn a minimum annual income of RM24,000 per annum
* Based on a financing tenure of 5 years for RM5,000, and during Cash Back Period.
** 48 hour loan approval is subject to terms and conditions.
Take advantage of our Hong Leong Bank 4.38% p.a. low flat rate
Other terms and conditions apply.
Repayment Table
Refer to Hong Leong Bank Personal Loan HLB RePayment Table below:-
| Loan (RM) | Int Rate (p.a.) | Monthly Instalment (RM) | Monthly Instalment During Cash Back Period (RM) | ||
|---|---|---|---|---|---|
| 2 Years | 5 Years | 2 Years | 5 Years | ||
| 5,000 | 12.50% | 265 | 140 | 245 | 130 |
| 50,000 | 11.00% | 2,545 | 1,295 | 2,365 | 1,180 |
| 100,000 | 10.00% | 5,000 | 2,500 | 4,670 | 2,395 |
| 150,000 | 9.00% | 7,375 | 3,625 | 6,925 | 3,345 |
Note:
- Flat interest rate ranges from 9.00% per annum to 12.50% per annum, depending on loan amount, income, and tenure.
- Effective Interest Rate ranges from 12.38% to 22.42% per annum.
- The above table serves as an illustration, assuming the customer has a minimum monthly income of RM4,000 and above.
- Actual monthly instalments will be rounded up to the nearest RM5.
Fee and Charges
Refer to the table below for the Fees and Charges applicable to Hong Leong Bank Personal Loan (HLB).
| Description/Service | Charges/Fees |
|---|---|
| Stamp Duty Fee | 0.50% of the disbursed facility amount for every approved facility |
| IBG Fee | A nominal fee of RM2.00 will be charged on every Interbank Giro (IBG), if any |
| Late Payment Charge (Applicable to Personal Loan) | 1% p.a. on the arrears of outstanding for each facility (daily rest basis) |
| Early Settlement | No charges/fees to be imposed provided 3 months’ written notice is given to the Bank prior to the early settlement. Otherwise, payment of 3 months’ interest on the amount redeemed is applicable.
(For Personal Financing-i, payment in lieu of notice is not applicable – customers are required to provide 3 months’ written notice should they opt for early settlement) |
| Compensation Charges (Applicable to Personal Financing-i) | For default payment during facility tenure = 1% p.a. on the overdue instalment amount
For default payment causing the facility to be terminated or brought to court = 1% p.a. on the outstanding balance (outstanding principal plus accrued profit) For default payment after expiry of facility tenure = BNM Islamic Interbank Money Market (“IIMM”) rate on the outstanding balance (outstanding principal plus accrued profit) For default payment post judgment = IIMM rate on the basic judgment sum |
Description/ServiceCharges/Fees*Stamp Duty Fee0.50% of the disbursed facility amount for every approved facilityIBG FeeA nominal fee of RM2.00 will be charged on every Interbank Giro (IBG), if anyLate Payment Charge (Applicable to Personal Loan)1% p.a. on the arrears of outstanding for each facility (daily rest basis)Early Settlement
No charges/fees to be imposed provided 3 months’ written notice is given to the Bank prior to the early settlement. Otherwise, payment of 3 months’ interest on the amount redeemed is applicable.
(For Personal Financing-i, payment in lieu of notice is not applicable – customers are required to provide 3 months’ written notice should they opt for early settlement)
Compensation Charges (Applicable to Personal Financing-i)For default payment during facility tenure = 1% p.a. on the overdue instalment amount
For default payment causing the facility to be terminated or brought to court = 1% p.a. on the outstanding balance (outstanding principal plus accrued profit)
For default payment after expiry of facility tenure = BNM Islamic Interbank Money Market (“IIMM”) rate on the outstanding balance (outstanding principal plus accrued profit)
For default payment post judgment = IIMM rate on the basic judgment sum
*Subject to Government Tax, if applicable
Contact Hong Leong Bank
Hong Leong Damansara City Main Branch
Level 1 Menara Hong Leong
No. 6, Jalan Damanlela
Bukit Damansara,
50490 Kuala Lumpur, Malaysia
Tel: 03 7626 8899 / 03 2777 1778
Hong Leong Bank: Summary
- Article Title: Hong Leong Bank
- Category: #Bank #HLB #PersonalLoan
- Purpose: #Promotion
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