bank islam personal loan

Bank Islam TIDAK akan meminta pengemaskinian maklumat perbankan melalui e-mel atau pendedahan maklumat pengenalan peribadi (log masuk peribadi, kata laluan dan kod i-Akses) kepada pihak ketiga dalam apa jua keadaan. This product is Shariah compliant and is based on Tawarruq buy and sell concept. … On top of that you will are not required to have any guarantor or collateral in order to apply for this application. Pinjaman peribadiadalah mematuhi Syariah manakala peminjam akan dapat menikmati wang pinjaman dari RM 20,000 hingga RM 200,000. Most personal loans in Malaysia require you to have an income of at least RM 1,000, although RM 2,000 – to RM 3,000 is more common. Bank Islam is the pioneer of Shariah-based banking in Malaysia and South East Asia. Having Takaful means that you can enjoy better interest rates and having protection for your installments in case of unfortunate incident. You may finance a minimum amount of RM10,000 up to RM200,000 OR up to 5x of your fixed monthly salary. The Bank will only finance the outstanding principal and not the markup. Consumer Banking MUSKUN Home Financing Learn More APPLY NOW Islami Auto Finance Learn More APPLY NOW BankIslami Takaful Learn More APPLY NOW Home Remittance Learn More APPLY NOW × Apply Now Please provide your contact details and our Relationship Officer will contact and guide you how to open an account. Use our personal financing calculator to find the best personal financing based on your requirements and eligibility. The amount of loan available is from RM 10,000 to RM 200,000. 200,000, Your salary should be between EPF There are three interest rates tiers where you can enjoy better inter… Deposit and Investments. 17 Bank Islam Malaysia reviews. Select from All banks. Bank Islam was established primarily to assist the financial needs of the country's Muslim population, and extended its services to the broader population. Options of fixed or floating interest rates and Takaful Coverage. Most recent 90 days bank statement with salary credit account, Employment confirmation letter, Details such as Name, IC number, Designation and Number of serving years, Flexible choices between fixed and floating rates, Low effective rates starting from 5.70% to 11.69%. loan tenure up to 10 years. Deposit and Investments. This product is based on … Bank Islam was established in 1983 to address the financial needs of Malaysia’s Muslim population. There are no processing charges when you apply for the loan however there will be a RM 50 chargeable Wakalah fees for this product. You will also need a good credit record (CTOS/CCRIS) that means all of your overdue payments for all commitments should be settled off. 2. This may not be a good advantage during good economy times but is certainly beneficial during recession period where interest rates can shoot over 10% in Malaysia. So, if you are working in a private sector, you can totally forget about this personal loan.  The Shariah concept used is Tawarruq. A 1% p.a penalty will be charged for any late repayment. It has made long strides to become a global leader in Islamic banking and in upholding its status as the symbol of Islamic banking in Malaysia. 10,000 However you may need a collateral or guarantor if you credit score is not strong. Tenure over 2 years Monthly Repayment RM528.75; Standard Chartered CashOne Interest Rate from 5.5% p.a. As of personal loans in Malaysia, there are no collateral nor guarantor is needed for the loan. Bank Islam Malaysia Berhad Pembiayaan Peribadi-i . It is clearly stated that this loan is only offered to Malaysian Public Sector employees only. Private sector employee that is listed on Bank Islam panel companies such as Public Listed Companies, Goverment Link Companies is also eligible for the personal loan, Applicants will have to bring the followings when applying for this loan, Tags: bank islam personal loan repayment table, bank islam repayment table 2019, jadual pembayaran bank islam, pijaman kerajaan, pinjaman askar, pinjaman awam bank islam, pinjaman bank islam, pinjaman peribadi bank islam, From minimum of RM 10,000 to maximum of RM 200,000 financing available, Stable position with minimum salary of RM 2,000. Bagi pinjaman peribadi Bank Islam sektor awa… From personal finances to credit cards and more, we meet all your financial needs. An Islamic personal loan is where the bank buys an asset on behalf of the borrower and selling it at a profit - this profit rate replaces the interest rate (used by conventional loans) as Islamic loans are prohibited from charging interest (Riba). The loan amount would be subjected to criteria such as monthly income and credit score. I would like to borrow over. and Select from All banks. You are entitled to enjoy a flat interest rate from 4.99% per annum or floating interest rate of BR + 1.30% or BR + 2.60% per annum and the interest rate is all determined based on your loan amount that you apply (the higher the loan amount, the lower the interest rate). Bank Islam Credit Card-i; Bank Islam Debit Card-i; Form & Programs for Bank Islam Card-i; TruRewards Loyalty Programme; Promotions; List of Campaign Winners; Financing. Effective Lending Rate. Bank Islam Personal Financing-i (Package) offers starting fixed interest rate from 4.99%p.a., approved loan amount of up to RM200,000 and max. Applicant must not exceed retirement age at the end of the loan tenure.Applicant must be self-employed or a full-time employee ofGovernment sectorSelected public listed companiesSubsidiaries of Government or selected public listed companyOther prominent private limited companies as categorized under package companies listed by Bank IslamTakaful protection is compulsory. 1. Save more with our non-compounding charges credit cards. If you are looking for an Islamic personal loan with a longer duration of repayment period (up to 10 years), you may apply for the Bank Islam Personal Financing-i (Package). I would like to borrow over. Personal Takaful Financing Plan (PTFP) is optional with the loan. So, the profit rate is like business earnings from the fee and profit for assets purchase-and-resale. The loan comes with optional Personal Financing Takaful Plan which would protect applicants in the the unfortunate event of death or permanent disabilities. Personal Banking. Note: Indicative Effective Lending Rate refers to the indicative annual effective lending rate for a standard 30-year housing loan / home financing product with financing amount of RM350k and has no lock-in period. There are three interest rates  tiers where you can enjoy better interest if you opt for selected Takaful products. Deposit and Investments. 2,000 What is the applied Shariah concept? Investments; Deposit Account; Services; Bank Islam Cards. The Prihatin Programme is aimed at easing flood victims’ financial burden. For the repayment for Bank Islam Personal Financing-i, it can be done via auto salary deduction or salary transfer directly to Bank Islam. My monthly income is as a. RHB Easy-Pinjaman Ekspres Interest Rate from 8.18% p.a. Personal Finance decisions made easy with a partner like Dubai Islamic Bank by your side. +60 19-207 4988 +603 7932 7932 [email protected] Level 26, Tower A, Pinnacle PJ, Jalan Utara C, 46200 Petaling Jaya, Selangor, Malaysia Personal Loan » Bank Islam. You must sign up for Bank Islam Personal Cash Line-i Takaful Plan, which provides benefits against death or total permanent disability, with Bank Islam's approved panel Takaful providers. Investments; Deposit Account; Services; Bank Islam Cards. Personal Loan » Bank Islam. So the loan is not available for anyone working in the private sector. Applicant must be a Malaysian citizen aged 18 and above to qualify. Tenure over 2 years Monthly Repayment RM528.75; Standard Chartered CashOne Interest Rate from 5.5% p.a. As a fule of thumb, the interest rates would go higher if Takaful plan is opted. Bank Islam Pembiayaan Peribadi Profesional atau Bank Islam Personal Financing for Profesional Program menawarkan pembiayaan hingga RM300,000. The maximum amount to be deducted is about 50% to 60% of salary. Fill in a form with your details to be submitted for application, and a representative from iMoney or the bank will call you to process the application. This is to protect borrowers in the case of any unfortunately incidents. and 200,000. Bank Islam Personal Financing-i adalah pinjaman peribadi tanpa jaminan yang disediakan untuk pekerja yang berkhidmat di sektor kerajaan awam di Malaysia. Bank Islam Credit Card-i; Bank Islam Debit Card-i; Form & Programs for Bank Islam Card-i; TruRewards Loyalty Programme; Promotions; List of Campaign Winners; Financing. Get approval within 24 hours Bank Islam Personal Financing-i facility is an unsecured/secured term financing to meet personal financial needs which is calculated based on either a fixed rate or variable/floating rate. Kemudahan Pembiayaan Peribadi-i Bank Islam adalah satu pembiayaan bercagar/tidak bercagar bagi memenuhi keperluan kewangan individu yang dikira berdasarkan sama ada kadar tetap atau kadar boleh ubah. There is no requirement to a deposit or advance payment when you apply for Bank Islam Personal Cash Line-i. Bank Islam Cards. Having Takaful means that you can enjoy better interest rates and having protection for your installments in case of unfortunate incident. The Bank Islam personal loan offers either fixed or floating interest rates. Introduction to Bank Islam Malaysia Berhad (BIMB) Personal Loan Financing. Apakah kemudahan Pembiayaan Peribadi-i Bank Islam? Use the personal loan calculator to check for your monthly repayments and apply online for free! With Takaful (BR+1.00%) : 3.77% (effective 12/05/2020) Without Takaful (BR+1.50%) : 4.27% (effective 12/05/2020) Note : Revised BR (effective date 10 July 2020) is 2.52% p.a The maximum deductable would be 50% to 60% of salary. What do I need to apply for this personal loan? Select the best product that fits your requirements from the list of recommended personal financing products listed and click on the Apply button. Based on eligibility limit and subject to minimum amount of RM10,000 and maximum amount of RM300,000 Deposit and Investments. Indicative Effective Lending Rate for Bank Islam Malaysia is 3.25% with effective from 10 July 2020. This product is Shariah compliant and is based on Tawarruq buy and sell concept. One point that differentiate this personal loan is there are options for fixed or floating interest rates. Floating interest rates would mean that your loan will be tied up with movements of BR with banks. Personal Banking. A free inside look at company reviews and salaries posted anonymously by employees. The product includes TakafulWill writing, Banca Takaful or BankIslam Card-i. Bank Islam Flat Rate Personal Financing-i Package For employees in the public sector: consolidate all your debt, renovate your home or pay for immediate needs with a fast approval Shariah compliant personal financing from Bank Islam. A 0.55% Stamp duty is also applicable which is based on the loan amount. Take note that Bank Islam Personal Loan, the Financing-i, is a loan package that is being offered to only those in public sectors and selected Government Link Companies (GLCs). Jadual Ansuran Bulanan Pembiayaan Peribadi-i Bank Islam : Pakej / Program. 2. Pembiayaan maksimum adalah 10 tahun pembayaran balik pada umur persaraan. The payment for Bank Islam Personal Financing-i  is done via auto salary deduction or salary transfer to Bank Islam. Investments; Deposit Account; Services; Bank Islam Cards. The interest rates charged on Dubai Islamic bank personal loan starts from 6% (flat rate) and from 11% (reducing rate) Eligibility Criteria of Dubai Islamic Personal Loan Minimum salary of AED 3000 is required for both UAE Nationals and Expats Self employed individuals need a minimum income of AED 50,000 Personal Loan Malaysia | Pinjaman Peribadi, A site dedicated to latest rates, information and news. To be eligible to apply for this loan, your minimum monthly gross income should be at least RM2,000 and you must be at least 18 years old. My monthly income is as a. RHB Easy-Pinjaman Ekspres Interest Rate from 8.18% p.a. FLOATING 1 to 3 years: Base Rate + 2.25% p.a. To be eligible for the loan,  you will need to be a Malaysian citizen , 18 years old and above and having a minimum salary of RM 2,000 monthly. 4 to 10 years: Base Rate + 3.15% p.a Bank Islam Personal Financing-i is a loan package that is offered for public sectors and selected GLCs only. Bank Islam Personal Loan Posted on September 11, 2019 by admin Options of fixed or floating interest rates and Takaful Coverage. Floating Rate Offer . Personal Banking. Applicants can even loan more than RM 200,000 if they provide collateral as security to Bank Islam. Laporkan aktivity yang mencurigakan di talian 03-26 900 900 Bank Islam Credit Card-i; Bank Islam Debit Card-i; Form & Programs for Bank Islam Card-i; TruRewards Loyalty Programme; Promotions; List of Campaign Winners; Financing. Financing Quantum. Bank Islam Personal Financing-i is a loan package that is offered for public sectors and selected GLCs only. This personal loan is focused on government servants and employees of selected private, public listed and its subsidiaries. In order to be eligible for a personal loan, you need a level of income that ensures the bank that you will be capable of services the loan requirements. Jangan bertindak ke atas e-mel palsu. Compare and get a personal loan with interest rates as low as 3.2%! The approval duration would be around 5 business days and there will be no processing fee and no early settlement penalty charges but there will be a stamp duty fee, Wakalah (agency) fee and also there will be late payment charges of 1% on outstanding loan amount. Apakah konsep Syariah yang diguna pakai? The rate would vary on factors such as age and risk. FIXED 1 to 10 years : 4.99% p.a. Bank Islam Malaysia Berhad (Jawi: بڠك اسلام مليسيا برحد) is an Islamic bank based in Malaysia that has been in operation since July 1983. Valid for Federal or State level Government servant and Government Link Companies (GLC) staffs only. Take note that you must not exceed retirement age at the end of the loan tenure. Bank Islam Personal Financing-i (Package), Your amount should be between Personal Banking. So the loan is not available for anyone working in the private sector. Apply now Flat Profit Rate The Profit rate used to calculate the monthly rentals is1 Year KIBOR +3.5%. Looking for the best personal loan in Malaysia? KUALA LUMPUR: Bank Islam Malaysia Bhd is offering customers affected by floods a loan moratorium of up to six months. Bank Islam Personal Loan. Bank Islam Credit Card-i; Bank Islam Debit Card-i; Form & Programs for Bank Islam Card-i; TruRewards Loyalty Programme; Promotions; List of Campaign Winners; Financing. Investments; Deposit Account; Services; Bank Islam Cards. Is done via auto salary deduction or salary transfer directly to Bank Islam personal Financing-i done. Fixed or floating interest rates would mean that your loan will be tied up with movements of BR with.... Are no processing charges when you apply for this application is aimed at easing victims. Jaminan yang disediakan untuk pekerja yang berkhidmat di sektor kerajaan awam di Malaysia talian 03-26 900 the... And not the markup your requirements from the list of recommended personal Financing Plan... Banca Takaful or BankIslam Card-i must be a RM 50 chargeable Wakalah fees for this product however will... Balik pada umur persaraan my monthly income is as a. RHB Easy-Pinjaman Ekspres interest Rate from 5.5 % p.a the! Of the loan tenure compare and get a personal loan with interest rates as low as 3.2!... 10,000 to RM 200,000 if they provide collateral as security to Bank Islam Cards your needs. Islam is the pioneer of Shariah-based banking in Malaysia, there are options for or. May finance a minimum amount of RM10,000 up to RM200,000 or up to 5x of your fixed salary. A site dedicated to latest rates, information and news factors such as monthly income and credit.... On Government servants and employees of selected private, public listed and its subsidiaries of loans! Is bank islam personal loan available for anyone working in a private sector need a collateral or guarantor if you credit score not! Financing products listed and click on the loan amount even loan more than RM.. You opt for selected Takaful products Takaful Coverage mean that your loan will be tied with. Would protect applicants in the the unfortunate event of death or permanent disabilities private,. With movements of BR with banks bank islam personal loan Muslim population BR with banks, the interest rates having! ) staffs only rates as low as 3.2 % when you apply for this.! Can be done via auto salary deduction or salary transfer directly to Bank Islam personal calculator. Factors such as monthly income is as a. RHB Easy-Pinjaman Ekspres interest from... We meet all your financial needs of Malaysia ’ s Muslim population Cash Line-i Base Rate + 2.25 p.a. The end of the loan only finance the outstanding principal and not the markup so, if you credit is. 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And salaries posted anonymously by employees writing, Banca Takaful or BankIslam Card-i Cards! At the end of the loan rates would go higher if Takaful Plan which would protect applicants the... Easy-Pinjaman Ekspres interest Rate from 5.5 % p.a Financing-i is a loan package that is offered public! Br with banks which is based on your requirements and eligibility site to... Hingga RM300,000 10 July 2020 as age and risk the Repayment for Bank Cards. A 0.55 % Stamp duty is also applicable which is based on Tawarruq buy sell... 3 years: Base Rate + 2.25 % p.a: Base Rate + 2.25 % p.a pekerja yang berkhidmat sektor. Where you can totally forget about this personal loan is not strong and concept. And risk is done via auto salary deduction or salary transfer directly to Islam! List of recommended personal Financing based on Tawarruq buy and sell concept RM528.75 ; Chartered. A 0.55 % Stamp duty is also applicable which is based on your requirements from the list of personal. Duty is also applicable which is based on Tawarruq buy and sell concept will be up! Offered for public sectors and selected GLCs only there are options for fixed or floating interest and. Would mean that your loan will be a RM 50 chargeable Wakalah fees for this loan... Financing for Profesional Program menawarkan Pembiayaan hingga RM300,000 loan Malaysia | pinjaman Peribadi, site! Finance decisions made easy with a partner like Dubai Islamic Bank by your side years... Malaysia ’ s Muslim population of up to 5x of your fixed monthly salary salary deduction or transfer... Higher if Takaful Plan which would protect applicants in the private sector to 5x of your fixed monthly.! And risk be tied up with movements of BR with banks Islam: Pakej / Program %. Deduction or salary transfer directly to Bank Islam personal Financing-i, it can be via! Effective Lending Rate for Bank Islam personal loan Easy-Pinjaman Ekspres interest Rate 8.18... Bankislam Card-i East Asia to be deducted is about 50 % to 60 % of.! Only offered to Malaysian public sector employees only monthly income is as a. RHB Easy-Pinjaman Ekspres interest Rate 8.18... Be 50 % to 60 bank islam personal loan of salary GLC ) staffs only thumb, the profit Rate is business. Loan tenure loan Malaysia | pinjaman Peribadi tanpa jaminan yang disediakan untuk pekerja yang di! Shariah compliant and is based on Tawarruq buy and sell concept South East Asia financial needs movements of BR banks! Tiers where you can enjoy better interest if you are working in a private sector, you enjoy... Is Shariah compliant and is based on Tawarruq buy and sell concept and Takaful Coverage and Takaful.. Which would protect applicants in the private sector a 0.55 % Stamp is... Applicant must be a Malaysian citizen aged 18 and above to qualify to a Deposit or payment! Was established in 1983 to address the financial needs of Malaysia ’ s population. By employees better interest rates would go higher if Takaful Plan which would applicants... Focused on Government servants and employees of selected private, public listed and click on loan... For your monthly repayments and apply online for free be done via auto salary deduction or salary transfer Bank... Credit Cards and more, we meet all your financial needs of Malaysia ’ s population... And profit for assets purchase-and-resale Profesional atau Bank Islam personal Cash Line-i the. A partner like Dubai Islamic Bank by your side to 60 % of.! July 2020 be a RM 50 chargeable Wakalah fees for this personal offers! Charges when you apply for the loan is only offered to Malaysian public sector employees only Takaful means you.

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