Personal Loan/Financing-i | 01 October 2025-31 December 2025
*Interest/profit rate of 2.87% p.a. is applicable for self-employed customers with a verified monthly income of RM8,000 who have their financing disbursed to their HLB/HLISB Current Account/Current Account-i and/or Savings Account/Savings Account-i (“HLB CASA/HLISB CASA-i”), and who are eligible for 65% Pay-On-Time Rebate on flat interest/profit rate of 8.20% p.a.
Our rate is on a flat rate basis
|
Verified Monthly Income |
Disbursement to non HLB CASA/HLISB CASA-i |
Disbursement to HLB CASA/HLISB CASA-i |
||||
|---|---|---|---|---|---|---|
|
Flat Interest/Profit Rate |
Applicable Pay-On-Time Rebate |
Rate after Pay-On-Time Rebate | Flat Interest/Profit Rate |
Applicable Pay-On-Time Rebate |
Rate after Pay-On-Time Rebate | |
|
RM2,000 – RM7,999 |
10.50% p.a. |
20% |
8.40% p.a. |
8.50% p.a. |
20% |
6.80% p.a. |
|
RM8,000 and above |
55% |
4.725% p.a. |
65% |
2.975% p.a. |
||
(i) Effective interest/profit rates applicable to flat rate of 10.50% p.a. vary from 19.61% p.a. to 20.76% p.a. depending on loan/financing tenures from 2 to 5 years.
(ii) Effective interest/profit rates applicable to flat rate of 8.50% p.a. vary from 15.99% p.a. to 16.71% p.a. depending on loan/financing tenures from 2 to 5 years.
(iii) 0.50% of the Facility Amount will be deducted upon disbursement for stamp duty payable.
(iv) To enjoy the Pay-On-Time Rebate, please ensure to:
a. Pay your monthly instalment promptly by the due date.
b. Maintain a cumulative daily balance of RM500 in your HLB CASA/HLISB CASA-i (only applicable for loan/financing-i disbursements to HLB CASA/HLISB CASA-i)
Our rate is on a flat rate basis
|
Verified Monthly Income |
Disbursement to non HLB CASA/HLISB CASA-i |
Disbursement to HLB CASA/HLISB CASA-i |
||||
|---|---|---|---|---|---|---|
|
Flat Interest/Profit Rate |
Applicable Pay-On-Time Rebate |
Rate after Pay-On-Time Rebate | Flat Interest/Profit Rate |
Applicable Pay-On-Time Rebate |
Rate after Pay-On-Time Rebate | |
|
RM2,000 – RM7,999 |
10.50% p.a. |
20% |
8.40% p.a. |
8.20% p.a. |
20% |
6.80% p.a. |
|
RM8,000 and above |
55% | 4.725% p.a. |
65% |
2.87% p.a. | ||
(i) Effective interest/profit rates applicable to flat rate of 10.50% p.a. vary from 19.61% p.a. to 20.76% p.a. depending on loan/financing tenures from 2 to 5 years.
(ii) Effective interest/profit rates applicable to flat rate of 8.20% p.a. vary from 15.44% p.a. to 16.11% p.a. depending on loan/financing tenures from 2 to 5 years.
(iii) 0.50% of the Facility Amount will be deducted upon disbursement for stamp duty payable.
(iv) To enjoy the Pay-On-Time Rebate, please ensure to:
a. Pay your monthly instalment promptly by the due date.
b. Maintain a cumulative daily balance of RM500 in your HLB CASA/HLISB CASA-i.
Our rate is on a flat rate basis
|
Verified Monthly Income |
Disbursement to HLB CASA/HLISB CASA-i |
||
|---|---|---|---|
|
Flat Interest/Profit Rate |
Applicable Pay-On-Time Rebate |
Rate after Pay-On-Time Rebate | |
|
RM2,000 – RM7,999 |
8.00% p.a. |
20% |
6.40% p.a. |
|
RM8,000 and above |
65% | 2.80% p.a. | |
(i) Effective interest/profit rates applicable to flat rate of 8.00% p.a. vary from 15.08% p.a. to 15.71% p.a. depending on loan/financing tenures from 2 to 5 years.
(ii) 0.50% of the Facility Amount will be deducted upon disbursement for stamp duty payable.
(iii) For HLB/HLISB customers with an active Personal Loan/Financing-i for more than twelve (12) months; and/or
(iv) For customers with active Personal Loan/Financing-i with other banks.
(v) To enjoy the Pay-On-Time Rebate, please ensure to:
a. Pay your monthly instalment promptly by the due date.
b. Maintain a cumulative daily balance of RM500 in your HLB CASA/HLISB CASA-i.
Enjoy up to 65% interest/profit rebate when you pay on time!
For example, you are a self-employed customer with a verified monthly income of RM8,000 and above that disbursement is to HLB CASA/HLISB CASA-i. The applicable interest/profit rate is 8.20% p.a. and your total approved facility amount is RM100,000 for a financing tenure of 5 years. You also qualify for 65% Pay-On-Time Rebate. The above example is illustrated below:
- Malaysian citizens aged between 21 to 60 years old
- Employed or self-employed with a minimum annual income of RM24,000
- Minimum loan/financing amount is RM5,000
- Maximum loan amount is RM250,000 for Personal Loan and maximum financing amount is RM150,000 for Personal Financing-i
- Facility tenures from 2 to 5 years
Visit HLB/HLISB nearest branch today.
Terms and conditions apply.
