BSN MyRinggit-i (Hajj, Umrah & Pilgrimage)

Pay Profit Rate Max. Financing Amount Total payment
RM 858 / mth 2.91% p.a. RM 400,000 RM 10,291
2.1
2.1 out of 5 stars (based on 8 reviews)
Excellent13%
Very good13%
Average12%
Poor0%
Terrible62%

No Title

November 19, 2024

“Applying for a loan with BSN felt like I was waiting for a bus that never comes. I submitted my documents a month ago, and until now, no news! I called them 10 times and each time they just say ‘we’re still processing’! Come on lah, how long to process a simple loan? This is beyond ridiculous. BSN should be embarrassed with this kind of service.”

Avatar for francis
francis

No Title

November 19, 2024

“Went to BSN for a business loan consultation, and the staff was so clueless. First, she gave me the wrong forms, then told me to fill in the wrong details. I had to correct her mistakes the entire time! Every question I asked, she looked at me like I was speaking alien language. If you need a loan and want any chance of getting it right, do yourself a favour and go to another bank. BSN? Never again!”

Avatar for jean
jean

No Title

November 19, 2024

“BSN is so shady! They approved my business loan, but when I checked the terms, the interest rate was WAY higher than what they told me during the application. I went back to ask them why, and they said ‘oh, that was a mistake’! What kind of mistake is that? That’s a major screw-up! They’re just out to rip you off. Don’t believe their so-called low rates, it’s all a lie!”

Avatar for fatimah
fatimah

No Title

November 19, 2024

“I thought BSN would be a good choice for my personal loan because they advertise it as ‘easy repayment’—but when I tried to make some adjustments, they said it’s not possible. ‘Take it or leave it,’ they said. What kind of service is this? No flexibility at all. After I got the loan, I realised I was stuck with the worst repayment schedule, and they wouldn’t even try to help me adjust it. I’ll never use BSN again, period.”

Avatar for tan
tan

No Title

November 19, 2024

i used BSN so far no problem. Reason i opened my account with bsn : their branches everywhere in perlis, bsn got branches in Kangar, Arau, Padang Besar, SImpang Empat and Kuala Perlis. easy for me to deposit money

Avatar for Orang Perlis
Orang Perlis

No Title

November 19, 2024

Try to call them when you need something. High chance transfer here and there in the end reach same initial person who transfer your call…

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humanbeing99

No Title

November 19, 2024

only use bsn for this lucky draw

Avatar for Skystar
Skystar

No Title

November 19, 2024

of course bank rakyat….saya mesti pilih…

Avatar for zaidi
zaidi

BSN MyRinggit-i (Hajj, Umrah & Ziarah) Pembiayaan Islamik

BSN offers Islamic Financing for individuals planning for Hajj, Umrah, and Ziarah. This financing is designed to provide funds for religious travel with competitive profit rates.


Key Features of BSN MyRinggit-i

Feature Details
Profit Rate 2.91% p.a. to 3.19% p.a. depending on the loan amount and tenure
Financing Amount Minimum: RM10,000
Maximum: RM400,000
Repayment Period Flexible, based on loan amount and financing needs
Processing Fee No processing fee
Stamp Duty As per the Stamp Act 1949 (Amendment 1989)
Other Fees Wakalah Fee: RM30
Cash Protection-i (optional): RM318
Annual Statement Fee: RM10
Late Payment Fee Based on Ta’widh (Compensation)

Eligibility Criteria

  • Age: Between 18 and 65 years
  • Minimum Monthly Income: RM1,500
  • Employment Requirement: Must be employed in the public or private sector as a permanent, contract, or temporary employee

How to Apply

To apply for the BSN MyRinggit-i, you will need to submit the following documents:

  • Identity Card (IC)
  • Salary slips for the last 3 months
  • Latest bank statements showing salary payments

Financing Example

For a loan of RM10,000 over 1 year:

  • Profit Rate: 2.91% p.a.
  • Monthly Repayment: RM858
  • Total Profit: RM291
  • Total Repayment: RM10,291

Fees and Charges

  • Wakalah Fee: RM30
  • Cash Protection-i (optional): RM318
  • Annual Statement Fee: RM10
  • Copy of Security Document Fee: RM45 (per application)
  • Takaful Fee: Varies based on age, term, and loan amount (optional)
  • Will Fee: RM500 (if applicable)
  • Late Payment Fee: Based on Ta’widh (compensation for late payment)

This financing option is ideal for those planning to go on religious pilgrimages like Hajj, Umrah, or Ziarah, offering flexible repayment terms and competitive rates.