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 + 2.48% p.a. (equivalent to 3.63% 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 2,228 1,533 1,193 986 848 750 677 621 576
RM55,000 2,451 1,686 1.312 1,084 933 825 745 683 633
RM60,000 2,673 1,839 1,432 1,183 1,018 900 813 745 691
RM65,000 2,896 1,993 1,551 1,281 1,102 975 880 807 749
RM70,000 3,119 2,146 1,670 1,380 1,187 1,050 948 869 806
RM75,000 3,341 2,299 1,790 1,479 1,272 1,125 1,016 931 864
RM80,000 3,564 2,452 1,909 1,577 1,357 1,200 1,083 993 921
RM90,000 4,010 2,759 2,147 1,774 1,526 1,350 1,219 1,117 1,036
RM100,000 4,455 3,065 2,386 1,971 1,696 1,500 1,354 1,241 1,151
RM150,000 6,682 4,598 3,579 2,957 2,543 2,250 2,031 1,861 1,727
RM200,000 8,910 6,130 4,771 3,942 3,391 3,000 2,707 2,482 2,302
RM250,000 11,137 7,663 5,964 4,927 4,239 3,749 3,384 3,102 2,878

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 + 3.68% p.a. (equivalent to 4.37% 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 2,255 1,560 1,221 1,014 877 780 707 651 607
RM55,000 2,480 1,716 1.343 1,116 965 858 778 717 668
RM60,000 2,706 1,872 1,456 1,217 1,052 936 849 782 728
RM65,000 2,931 2,028 1,587 1,318 1,140 1,014 919 847 789
RM70,000 3,157 2,184 1,709 1,420 1,228 1,092 990 912 850
RM75,000 3,382 2,340 1,831 1,521 1,315 1,169 1,061 977 910
RM80,000 3,608 1,496 1,954 1,623 1,403 1,247 1,131 1,042 971
RM90,000 4,059 2,808 2,198 1,825 1,578 1,403 1,273 1,172 1,092
RM100,000 4,510 3,120 2,442 2,028 1,754 1,559 1,414 1,302 1,214
RM150,000 6,764 4,680 3,662 3,042 2,630 2,338 2,121 1,953 1,820
RM200,000 9,019 6,240 4,883 4,056 3,507 3,118 2,828 2,604 2,427
RM250,000 11,273 7,800 6,104 5,070 4,384 3,897 3,535 3,255 3,034


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 the Bank's BR + 8.28% p.a. (equivalent to 7.43% 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 2,361 1,668 1,332 1,128 994 899 788 734 735
RM55,000 2,597 1,835 1.465 1,241 1,093 989 867 807 809
RM60,000 2,833 2,002 1,598 1,353 1,192 1,079 946 881 882
RM65,000 3,069 2,169 1,731 1,466 1,292 1,169 1,025 954 956
RM70,000 3,305 2,336 1,865 1,579 1,391 1,259 1,103 1,028 1,029
RM80,000 3,778 2,669 2,131 1,804 1,590 1,439 1,261 1,174 1,176
RM90,000 4,250 3,003 2,397 2,030 1,788 1,618 1,419 1,321 1,323
RM100,000 4,722 3,336 2,663 2,255 1,987 1,798 1,576 1,468 1,470
RM150,000 7,083 5,004 3,995 3,383 2,980 2,697 2,364 2,202 2,205
RM200,000 9,443 6,672 5,326 4,510 3,973 3,596 3,152 2,936 2,940
RM250,000 11,804 8,340 6,658 5,638 4,966 4,494 3,941 3,670 3,675
RM300,000 14,165 10,008 7,989 6,765 5,960 5,393 4,729 4,404 4,409


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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