Personal Loan | 03 February 2020-03 February 2020
Prosperous One Day Connect Fatt Fatt Offer at flat rate 3.88% p.a.
*Terms and Conditions apply. For Personal Financing-i, only existing HLB credit cardholders will be eligible to receive the cashback.
Our rate is on a flat rate basis
Loan/Financing -i Tenure
Personal Loan/Financing-i Amount
Flat Interest/Profit Rate
2 years – 5 years
RM5,000 – RM250,000 (Personal Loan)
RM5,000 – RM150,000 (Personal Financing-i)
Note: Effective interest/profit rates vary from 7.21% p.a. to 7.29% p.a. depending on loan/financing-i tenures of 2 – 5 years.
0.50% of the Facility Amount will be deducted upon disbursement for stamp duty payable.
Illustration of Instalments
Assuming your total approved facility amount is RM5,000 and you choose to pay over 5 years:
Note: For Personal Financing-i applications, only existing HLB credit cardholders will be eligible to receive the cashback.
Refer to the Fees and Charges applicable below 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.
Stamp Duty Fee
0.50% of the disbursed facility amount for every approved facility
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)
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)
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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