Features & Benefits
20% Cash Back on interest
Monthly instalments as low as RM130*
Fast approval within 48 hours**
Flexible repayment tenure of up to 5 years
Minimum income eligibility of only RM24,000 per annum
No guarantor and no collateral
5-minute loan approval at am:pm Convenient Banking**
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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 Cash Back Period.
** 48 hour loan approval is subject to terms and conditions.
Other terms and conditions apply.
Take advantage of our 4.38% p.a. low flat rate
Loan amount you can afford
RM 50,000
Monthly Installment
RM X,XXX
Repayment Period
24 months
Interest Rate
6.0%p.a
You can afford up to
RM 80,000
The maximum loan amount we are offering is RM 250,000
Monthly Installment
RM X,XXX
Repayment Period
24 months
Interest Rate
6.0%p.a
You can afford up to
The maximum loan amount we are offering is RM 250,000
Monthly Installment
Repayment Period
Interest Rate
Based on your high commitment, you are not eligible for our minimum loan amount of RM5,000. Consider paying off some of your existing loan to reduce your monthly commitment with our debt consolidation plan instead.
Disclaimer
The information shown is indicative and for illustration only. HLB does not guarantee the accuracy of the calculation and accepts no liability for any inaccuracies or omissions. The above does not constitute an offer of credit nor does it guarantee that the credit facility applied for will be approved. All applications for financing are subject to credit evaluation and approval and HLB reserves the right to approve or reject such applications without assigning any reason therefore.
| Loan Amount (RM) |
Interest Rate (p.a.) |
Monthly Instalment (RM) |
Monthly Instalment During Cash Back Period (RM) |
||
|---|---|---|---|---|---|
| 2 Years |
5 Years |
2 Years |
5 Years |
||
| 5,000 | 12.50% | 265 | 140 | 245 | 130 |
| 50,000 | 11.00% | 2,545 | 1,295 | 2,365 | 1,180 |
| 100,000 | 10.00% | 5,000 | 2,500 | 4,670 | 2,395 |
| 150,000 | 9.00% | 7,375 | 3,625 | 6,925 | 3,345 |
Note:
- Flat interest rate ranges 9.00% per annum - 12.50% per annum depending on loan amount, income and tenure.
- Effective Interest Rate ranges from 12.38% - 22.42% per annum.
- The above table serves as illustration purpose only, with the assumptions of customer with a minimum monthly income of RM4,000 and above.
- Actual monthly instalment will be rounded up to the nearest RM5.
Refer to the below for the Fees and Charges applicable to Personal Loan/Financing-i.
| Description/Service |
Charges/Fees* |
|---|---|
| Stamp Duty Fee |
0.50% of the disbursed facility amount for every approved facility |
| IBG Fee |
A nominal fee of RM2.00 will be charged on every Interbank Giro (IBG), if any |
Late Payment Charge (Applicable to Personal Loan) |
1% 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% p.a. on the overdue instalment amount
For default payment causing the facility to be terminated or brought to court = 1% 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 |
*Subject to Government Tax, if applicable
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