Personal Loan/Financing-i Online Exclusive

Personal Loan/Financing-i Online Exclusive

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  • Personal Loan/Financing-i Digital Day 2020 Online Exclusive
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Personal Loan/Financing-i Digital Day 2020 Online Exclusive

Personal Loan | 01 July 2020-31 July 2020

Enjoy exclusive online interest/profit rates from 5.60% p.a.

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Apply for a Personal Loan/Financing–i anytime, anywhere

Enjoy exclusive low rate from 5.60% p.a.*

Affordable instalments for financing tenures from 2 to 5 years

*Rate shown is applicable after 30% Pay-On-Time Rebate.

Let us call you

Interest/Profit Rate and Instalments

Interest /Profit Rate

Our rate is on a flat rate basis

Facility Amount

Flat Interest/Profit Rate

Pay-On-Time Rebate

Rate after Pay-On-Time Rebate

RM5,000 – RM250,000

(up to RM150,000 Personal Financing-i)

8.00% p.a.

30%

5.60% p.a.

Note: The effective interest/profit rate applicable to flat interest/profit rate of 8.00% p.a. vary from 14.13% p.a. to 14.68% p.a. depending on loan/financing-i tenures from 2 years to 5 years.

0.50% of the facility amount will be deducted upon disbursement for stamp duty payable.

Get 30% interest/profit rebate when you pay on time!

Assuming your total approved facility amount is RM5,000 with 5 years financing tenure and you pay your instalments promptly:

Loan Work A1 ENG
Loan Work A2 ENG
Loan Work A3 ENG

Fees and Charges

Refer to the below for the Fees and Charges applicable to Personal Loan/Financing-i.

For more information, you may refer to our Product Disclosure Sheet available here for Personal Loan or here for Personal 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 will be charged on every Interbank Giro (“IBG”), if any.

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.

*Subject to Government Tax, if applicable

Eligibility

  • Malaysian citizens aged between 21 and 60 years old
  • Minimum annual income of RM24,000
  • Minimum loan/financing amount is RM5,000
  • Maximum loan/financing amount is RM250,000 (RM150,000 for Financing-i)
  • Exclusively for online applications only

How to Apply

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  • Terms & Conditions
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For enquiries, connect with us online or drop by your nearest Hong Leong Bank Branch.


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