Personal Financing-i


Learn about our Shariah compliant personal financing solutions through our host of attractive packages that best suit your financing needs.

  • Competitive financing rates
  • Financing amount of up to RM400,000
  • Financing tenure of up to 10 years
  • No guarantor required
  • No hidden charges
  • Fast approval
  • Applicable for public servant and private sector employees

Terms and conditions apply

Please visit our nearest MBSB Bank branch or contact our Customer Service at 03-2096 3000 for more information about the product.

Packages


Public Sector

Package Name

Mumtaz-i

Shariah Concept

Tawarruq

Eligibility

  • Malaysian citizen aged 19 years old and not exceeding 60 years upon expiry of facility or optional retirement age, whichever is earlier
  • Permanent employee of Government, GLCs, local councils and selected companies having salary deduction arrangements with the Bank with at least 12 months in service
  • Minimum monthly income of RM3,000 (inclusive of gross salary, fixed allowance and other non-fixed income)

Financing Amount

Financing amount of up to RM250,000

Tenure

Financing tenure of up to 10 years

Profit Rate

  • Variable Rate is calculated on monthly rest basis
  • Competitive financing rates as low as BR + 2.15% p.a. (equivalent to 3.34% p.a. flat rate at 3 years tenure) with ceiling rate of 15% p.a.

Features / Benefits

  • No guarantor required
  • Takaful coverage is optional
  • No early settlement charges

Payment Method

Salary deduction via Biro Angkasa, Accountant General or employer salary deduction

Payment Table

Mumtaz-i PF-i
Tenures 2 3 4 5 6 7 8 9 10
RM50,000 2,223 1,528 1,189 981 843 745 672 616 571
RM55,000 2,446 1,681 1.307 1,079 928 820 739 677 628
RM60,000 2,668 1,834 1,426 1,177 1,012 894 807 739 685
RM65,000 2,890 1,987 1,545 1,275 1,096 969 874 800 742
RM70,000 3,112 2,140 1,664 1,373 1,181 1,043 941 862 799
RM75,000 3,335 2,292 1,783 1,471 1,265 1,118 1,008 923 856
RM80,000 3,557 2,445 1,901 1,570 1,349 1,192 1,075 985 913
RM90,000 4,002 2,751 2,139 1,766 1,518 1,341 1,210 1,108 1,027
RM100,000 4,446 3,056 2,377 1,962 1,686 1,490 1,344 1,231 1,141
RM150,000 6,669 4,584 3,565 2,942 2,529 2,235 2,016 1,846 1,711
RM200,000 8,892 6,112 4,753 3,923 3,372 2,980 2,688 2,461 2,282
RM250,000 11,114 7,640 5,941 4,904 4,215 3,725 3,359 3,077 2,852

Package Name

Afdhal-i

Shariah Concept

Tawarruq

Eligibility

  • Malaysian citizen aged 19 years old and not exceeding 60 years upon expiry of facility or optional retirement age, whichever is earlier
  • Permanent employee of Government, GLCs, local councils and selected companies having salary deduction arrangements with the Bank with at least 12 months in service
  • • Minimum monthly income of RM3,000 (inclusive of gross salary, fixed allowance and other non-fixed income)

Financing Amount

Financing amount of up to RM400,000

Tenure

Financing tenure of up to 10 years

Profit Rate

  • Variable Rate is calculated on monthly rest basis
  • Competitive financing rates as low as BR + 3.35% p.a. (equivalent to 3.99% p.a. flat rate at 3 years tenure) with ceiling rate of 15% p.a.

Features / Benefits

  • No guarantor required
  • Takaful coverage is optional
  • No early settlement charges

Payment Method

  • Salary deduction via Biro Angkasa, Accountant General or employer salary deduction;
  • The Bank's nationwide branches or alternatively at any branch of Bank Simpanan Nasional (under Giro Services), online bill payment services at Maybank2u.com, CIMB Clicks, RHB Now and JomPay or standing instruction from your respective bank

Payment Table

Afdhal-i PF-i
Tenures 2 3 4 5 6 7 8 9 10
RM50,000 2,250 1,556 1,216 1,010 872 775 702 646 602
RM55,000 2,475 1,711 1,338 1,110 959 852 772 711 662
RM60,000 2,700 1,867 1,460 1,211 1,047 930 843 775 722
RM65,000 2,925 2,022 1,581 1,312 1,134 1,007 913 840 782
RM70,000 3,150 2,178 1,703 1,413 1,221 1,085 983 905 842
RM75,000 3,375 2,333 1,824 1,514 1,308 1,162 1,053 969 903
RM80,000 3,600 1,489 1,946 1,615 1,395 1,239 1,123 1,034 963
RM90,000 4,050 2,800 2,189 1,817 1,570 1,394 1,264 1,163 1,083
RM100,000 4,500 3,111 2,432 2,019 1,744 1,549 1,404 1,292 1,203
RM150,000 6,750 4,666 3,648 3,028 2,616 2,324 2,106 1,938 1,805
RM200,000 9,000 6,222 4,864 4,037 3,488 3,098 2,808 2,548 2,406
RM250,000 11,250 7,777 6,080 5,046 4,359 3,872 3,509 3,229 3,007


Private Sector

Package Name

Private Sector-i

Shariah Concept

Tawarruq

Eligibility

  • Malaysian citizen aged of 21 years and not exceeding 60 years upon expiry of facility or optional retirement, whichever is earlier
  • Permanent employees of public listed companies, GLCs, state GLCs, multi-national corporations, education sector companies and its subsidiaries as listed by the Bank;
  • Permanent professional employees of private companies (employee must have a valid Professional certificate);
  • Self-employed practicing professional (with valid Professional certificate) with minimum 2 years of establishment of the business/firm
  • Minimum monthly income of RM3,500 and RM5,000 (inclusive of inclusive of gross salary, fixed allowance and other non-fixed income) for Fixed and Variable income respectively

Financing Amount

Financing amount up to RM300,000

Tenure

Financing tenure of up to 10 years

Profit Rate

  • Variable Rate is calculated on monthly rest basis
  • Competitive financing rates as low as BR + 7.95% p.a. (equivalent to 6.58% p.a. flat rate at 3 years tenure) with ceiling rate of 15% p.a.

Features / Benefits

  • No guarantor required
  • Takaful coverage is optional
  • No early settlement charges

Payment Method

Financing payment through the Bank’s nationwide branches or alternatively at any branch of Bank Simpanan Nasional (under Giro Services), online bill payment services at Maybank2u.com, CIMB Clicks, RHB Now and JomPay or standing instruction from your respective bank

Payment Table

Private Sector PF-i
Tenures 2 3 4 5 6 7 8 9 10
RM50,000 2,357 1,664 1,327 1,123 998 894 824 771 729
RM55,000 2,592 1,830 1.460 1,235 1,087 983 907 848 802
RM60,000 2,828 1,996 1,592 1,347 1,186 1,073 989 925 875
RM65,000 3,063 2,163 1,725 1,460 1,285 1,162 1,071 1,002 1,021
RM70,000 3,299 2,329 1,858 1,572 1,384 1,251 1,154 1,079 1,021
RM80,000 3,770 2,661 2,123 1,796 1,581 1,430 1,318 1,233 1,167
RM90,000 4,241 2,994 2,388 2,021 1,779 1,609 1,483 1,387 1,313
RM100,000 4,713 3,327 2,654 2,245 1,976 1,787 1,648 1,542 1,458
RM150,000 7,069 4,990 3,980 3,368 2,964 2,681 2,472 2,312 2,187
RM200,000 9,425 6,653 5,307 4,490 3,952 3,574 3,295 3,083 2,916
RM250,000 11,781 8,316 6,633 5,612 4,940 4,467 4,119 3,853 3,645
RM300,000 14,137 9,979 7,960 6,735 5,928 5,361 4,943 4,624 4,374


Documents Required

Salaried Applicant
  • Photocopy of MyKad.
  • Latest 3 months salary slip.
  • Latest 3 months Savings/Current Account Statements (salary being credited).
  • Latest Year of BE Form and Tax Receipt/EA Form/EPF statements.
  • Any other latest supporting documents if required.

Self-Employed Applicant
  • Photocopy of MyKad.
  • Business registration/Form 9, 24, 49, B&D/M&A.
  • Latest 3 months Savings/Current Account Statements (salary being credited).
  • Latest Year of BE Form and Tax Receipt/EA Form/EPF statements.
  • License for Professional Certificate.
  • Latest Year of B Form.
  • Latest 6 months current account statements (Company and Personal).
  • Copy of Tax Receipt.

Product Disclosure Sheet

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