Features & Benefits
20% Cashback on interest
Monthly instalments as low as RM126*
No collaterals and guarantor required
Flexible repayment tenure of up to 5 years
Minimum income eligibility of RM24,000 per annum
Easy application available at our Bank's Branches, Website and HLB Connect Online Banking
Financing amount up to RM250,000
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Eligibility
- Malaysian citizens only, aged between 21 to 60 years old
- Earn a minimum annual income of RM24,000 per annum
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* Based on a financing tenure of 5 years for RM5,000, and during Cashback Period.
Other terms and conditions apply.
| Individual Applicant (Employed) | Individual Applicant (Self-Employed) | ||||
|---|---|---|---|---|---|
| Fixed Income | Variable Income | Sole-Prop / Partnership / Private Limited / Public Listed | |||
| MNC | Non-MNC | MNC | Non-MNC | ||
| Identification Documents | NRIC front and back | NRIC front and back | |||
| 1.Business Registration to proof minimum 2 year Business Operations or 2. Professional/Practicing Certificate and Proof of Business Operating 2 years or 3. Latest 2 years Business License for Sabah/Sarawak. |
|||||
| Acceptable Income Documents | Latest 1 month payslip or | Latest 3 months payslips + 3 months bank statements to prove salary crediting or EPF/CPF or | Latest 6 months payslips or | Latest 6 months salary slips + 6 months bank statements to prove salary crediting/EPF/CPF or | Latest 6 months business bank statements or |
| Latest 3 months personal bank statements (with proof of latest 3 months salary crediting) or | Latest 6 months commissions slips or | Latest 6 months commissions slip + 6 months' bank statements to prove salary crediting or EPF/CPF or | Latest 1 year Form B with payment receipt/latest 2 years BE form with matching payment receipts or | ||
| Latest EPF/CPF statement (with proof of latest 3 months crediting) or | Latest EPF/CPF statement (with proof of latest 3 months crediting) or | Latest EPF/CPF (with proof of latest 6 months crediting) or | Latest EPF/CPF (with proof of latest 6 months crediting) or | Latest 6 months EPF contribution (only for Sdn Bhd companies only). | |
| Latest EA form/IR for Malaysians working in Singapore (EA or IR must be dated last 12 months from print out date) or | - | - | - | - | |
| Latest 2 years Form BE with matching payment receipts/Latest 2 years NOA for Malaysians working in Singapore | Latest 2 years Form BE with matching payment receipts/Latest 2 years NOA for Malaysians working in Singapore | Latest 2 years Form BE with matching payment receipts/Latest 2 years NOA for Malaysians working in Singapore | Latest 2 years Form BE with matching payment receipts/Latest 2 years NOA for Malaysians working in Singapore | - | |
| Optional Documents | Rental income (valid Tenancy Agreement with latest 3 months bank statement crediting proof and latest 1 month Utility Bill) | ||||
| Proof of 2 years bonuses | - | ||||
| Cash Investments (FD, Mutual Funds, etc.) | - | ||||
| Approved Facility Amount |
Flat Interest Rate (p.a.) |
Monthly Instalment Before Cashback Period (RM) |
Monthly Instalment During Cashback Period (RM) |
||
|---|---|---|---|---|---|
| 2 Years |
5 Years |
2 Years |
5 Years |
||
| 5,000 | 12.50% | 265 | 140 | 224 |
126 |
| 50,000 | 11.00% | 2,545 | 1,295 | 2,179 |
1,165 |
| 100,000 | 10.00% | 5,000 | 2,500 | 4,334 |
2,262 |
| 150,000 | 9.00% | 7,375 | 3,625 | 6,475 |
3,304 |
Note:
- Flat interest rate ranges from 9.00% p.a. to 12.50% per annum, depending on approved facility amount, verified monthly income, facility tenure and application channel.
- Effective Interest Rate ranges from 15.71% p.a. to 22.42% p.a.
- The above table serves as an illustration for a customer with a verified monthly income of RM4,000 and above.
- Monthly Instalment Before Cashback Period will be rounded up to the nearest RM5.
Important Notice:
Please click here for the non-exhaustive list of fees and charges.
*Subject to Government Tax, if applicable
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