Public Islamic Bank BAE Personal Financing-i | Public Bank Personal Loan | PBB Personal Loan

Public Islamic Bank BAE Personal Financing-i (Islamic Financing)

Profit Rates Based on Financing Amount & Tenure:

Borrow Amount	Financing Period	Profit Rate
RM5,000 – RM150,000	12 to 120 months	3.99% p.a. – 4.45% p.a.

Note: Final rate is subject to Public Islamic Bank’s approval.

Key Highlights:

Profit Rate: From 3.99% p.a.
Financing Amount: Up to RM150,000.
Repayment Period: Up to 10 years (120 months).
Approval Duration: 1-2 weeks.
Eligibility: Available for government employees and those with a linked Public Bank account.
Takaful: Applicant is covered by Takaful protection.

Profit Rate:

Starting from 3.99% p.a., depending on loan amount and tenure.

Key Features:

Min. Financing Amount: RM5,000.
Max. Financing Amount: RM150,000.
Repayment Period: Flexible, from 12 months to 120 months.
Takaful Protection: Coverage is provided as part of the financing.
Debt Consolidation: Not available.
Fixed Interest Rate: Starting at 4.90% p.a. (fixed).

Fees & Charges:

Processing Fee: Free.
Stamp Duty: 0.5% on loan amount (Original copy) + RM10 (Photocopy).
Late Payment Charge: 1% p.a. on the current outstanding payment.

Eligibility:

Age Requirement: 20 to 58 years old.
Min. Monthly Salary: RM1,500.
Linked Account: Must have a Public Bank account for loan disbursement.

Required Documents:

NRIC: Copy of NRIC (front and back).
Income Documents: Latest 3 months payslips.
Bank Statement: Latest 3 months of bank statement (if not a Public Bank account holder).
Other Requirements: Employer’s confirmation letter, if applicable.

Who Can Apply?

Malaysian Government Servants.
Public Bank Account Holders.

How Fast Can I Get the Loan?

Approval Time: Typically within 1-2 weeks.

How to Apply:

Complete the Public Islamic Bank BAE Personal Financing-i application form.
Submit the required documents for processing.
Wait for approval, typically within 1-2 weeks.

This format is designed for easy understanding of the Public Islamic Bank BAE Personal Financing-i product.

No Title

December 21, 2024

I get a car loan from Maluri branch and set auto debit every month from my acc in Hong Leong. Today I get a letter from them dated 10 June saying that I fail to make the payment for May. I try to call the number which I get from the letter, from morning until evening, nobody answer the call. So I need to walk in from Batu Pahat to your branch in Cheats to ask??????

Lousy service!!!

jianhui chen

Horrible Experience…. Already settled car loan more than 8 months still not giving the release letter to me. This is insane.

Sam Wlll

Called many times to the main branch number in KL just to know on my car loan balance.. they keep on transfering my call to which they didn’t even answer the call.. hw to inquired if U all didn’t answer the call? Jangan malas la.. orang lain pun ada kerja nk buat jgk.. asyik call je transfer call ke nombor lain.. Masih tak jwb2.. nak call bila sebenarnya??? Call lepas lunch pun tak nk jwb..

Mariam Farhana

Think twice if you are going to adopt their banking or loan service. Though their interest rate might be lowest in the market, but the service is extremely suck, the banker who sold you the loan will not bother to reply any enquiry after you took the loan. The internal officers to reply your inquiry takes forever slow response, you may need to call multiple times or have to walk in to talk to them instead. And not to mention their banking app design is not up-to-date or be user centric. Basically you can’t view any details about your loan and know the installment amount prior the payment date. Everything still rely on mailing letter. I’m not surprise Public bank going to lose the younger market segment at the EOD if they are not transforming and take customer review seriously.

CCK

Good rates on loan but horrible customer service

Q KB

November 20, 2024

The entire loan process was super smooth. Public Bank approved my loan quickly, and the customer service was excellent. The staff explained everything in detail, and I had no problems at all. Very happy!

Pika

I’m very happy with my loan from Public Bank. The process was quick and transparent. There were no hidden fees, and the interest rate was fair. I got the funds on time and had no issues. Highly recommend!

Meera

The application was straightforward, and I didn’t encounter any problems. I had the loan approved within a week, and everything was explained well. The only downside was the slightly higher interest rate, but otherwise, it was good.

Jerry

Public Bank processed my loan quite quickly. The staff were friendly, and everything was clear. The only issue was the interest rate, which could have been lower, but overall, it was a positive experience.

Min

I got the loan approved quickly, but the interest rate was a little high compared to other options. Everything else went smoothly, though. Would recommend if you’re okay with a higher rate for convenience.

Gigi

Pay	Profit Rate	Max. Financing Amount	Total payment
RM 867 / mth	3.99% p.a.	RM 150,000	RM 10,399