RM5,000 – RM250,000

(up to RM150,000 Personal Financing-i)

RM2,000 and above

5.00% p.a.

2 to 5 years

Stamp Duty Fee

0.50% of the disbursed facility amount for every approved facility.

Late Payment Charge

(applicable to Personal Loan)

1.00% 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 = 1.00% p.a. on the overdue instalment amount.

For default payment causing the facility to be terminated or brought to court = 1.00% 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.