Bank Islam Personal Financing-i (Non-Package)
| Pay | Profit Rate | Max. Financing Amount | Total payment |
| RM 871 / mth | 4.50% p.a. | RM 150,000 | RM 10,450 |
| Pay | Profit Rate | Max. Financing Amount | Total payment |
| RM 871 / mth | 4.50% p.a. | RM 150,000 | RM 10,450 |
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Profit Rate
Bank Islam offers competitive profit rates starting from 4.5% p.a. depending on the loan amount and repayment period.
| Feature | Details |
|---|---|
| Profit Rate | From 4.5% p.a. to 7.5% p.a. (depending on loan amount and tenure) |
| Pinjaman Minimum | RM10,000 |
| Pinjaman Maksimum | Up to RM300,000 |
| Tempoh Maksimum Pembiayaan | Up to 10 years (120 months) or until retirement age, whichever comes first |
| Takaful Coverage | Optional: Takaful contribution required for lower profit rates |
| Tempoh Kelulusan | Approval within 5 working days |
| Example Repayment | For RM10,000 loan over 2 years: RM454.17/month, total repayment: RM10,904.08 |
| Processing Fee | None |
| Stamp Duty | 0.5% of the loan amount |
| Other Charges | Wakalah Fee: RM50, Late Payment Fee: 1% p.a. on the outstanding balance |
| Eligibility Criteria | – Age: 18-60 years – Minimum Monthly Income: RM4,000 – Must be a Malaysian citizen – Must be employed by a Public Listed Company |
| How to Apply | Submit required documents and undergo the approval process (within 5 working days) |
| Loan Usage | Home improvement, education, wedding, and other personal financial needs |
For a RM10,000 loan over 2 years, the monthly repayment would be RM454.17 at an interest rate of 4.5% p.a. The total repayment amount will be RM10,904.08.
To qualify for Bank Islam Personal Financing-i Non-Package, applicants must meet the following conditions:
Applicants need to submit the following documents:
Once the application is submitted, approval will take 5 working days.
This loan can be used for various personal financial needs, including:
This format provides a clear, organized overview of the Bank Islam Personal Financing-i Non-Package loan, summarizing the key features, fees, eligibility, and application process.