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 3.20% 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

Profit Rate (p.a.) as low as BR + 2.15% p.a.

Mumtaz-i PF-i
Tenures 2 3 4 5 6 7 8 9 10
RM50,000 2,218 1,523 1,183 975 837 739 666 609 564
RM55,000 2,439 1,675 1.301 1,073 921 813 733 670 621
RM60,000 2,661 1,827 1,419 1,170 1,005 887 799 731 677
RM65,000 2,883 1,979 1,537 1,268 1,089 961 866 792 734
RM70,000 3,105 2,132 1,656 1,365 1,172 1,035 932 853 790
RM75,000 3,326 2,284 1,774 1,463 1,256 1,109 999 914 846
RM80,000 3,548 2,436 1,892 1,560 1,340 1,183 1,065 975 903
RM90,000 3,991 2,741 2,129 1,755 1,507 1,330 1,199 1,097 1,016
RM100,000 4,435 3,045 2,365 1,950 1,674 1,478 1,332 1,218 1,128
RM150,000 6,652 4,567 3,547 2,925 2,511 2,217 1,997 1,827 1,692
RM200,000 8,869 6,089 4,730 3,900 3,348 2,956 2,663 2,436 2,256
RM250,000 11,086 7,612 5,912 4,874 4,185 3,695 3,329 3,045 2,820

6.05% p.a (Effective Rate) / 3.20% p.a (Flat Rate equivalent for 3 years)

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 3.90% 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

Profit Rate (p.a.) as low as BR + 3.35% p.a.

Afdhal-i PF-i
Tenures 2 3 4 5 6 7 8 9 10
RM50,000 2,245 1,550 1,211 1,004 866 769 696 640 595
RM55,000 2,469 1,705 1,332 1,104 953 845 765 704 655
RM60,000 2,694 1,860 1,453 1,204 1,039 922 835 768 714
RM65,000 2,918 2,015 1,574 1,305 1,126 999 905 832 774
RM70,000 3,143 2,170 1,695 1,405 1,212 1,076 974 896 833
RM75,000 3,367 2,325 1,816 1,505 1,299 1,153 1,044 959 893
RM80,000 3,591 2,480 1,937 1,605 1,386 1,230 1,113 1,023 952
RM90,000 4,040 2,790 2,179 1,806 1,559 1,383 1,252 1,151 1,071
RM100,000 4,489 3,100 2,421 2,007 1,732 1,537 1,391 1,279 1,190
RM150,000 6,733 4,649 3,631 3,010 2,598 2,305 2,087 1,918 1,785
RM200,000 8,978 6,199 4,841 4,013 3,463 3,073 2,782 2,558 2,380
RM250,000 11,222 7,748 6,051 5,016 4,329 3,841 3,478 3,197 2,975

7.25% p.a (Effective Rate) / 3.44% p.a (Flat Rate equivalent for 3 years)



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 6.44% 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

Profit Rate (p.a.) as low as BR + 7.95% p.a.

Private Sector PF-i
Tenures 2 3 4 5 6 7 8 9 10
RM50,000 2,351 1,658 1,321 1,117 982 887 817 764 722
RM55,000 2,586 1,823 1.453 1,228 1,080 976 899 840 794
RM60,000 2,821 1,989 1,585 1,340 1,178 1,064 981 917 867
RM65,000 3,056 2,155 1,717 1,451 1,276 1,153 1,062 993 939
RM70,000 3,291 2,320 1,849 1,563 1,374 1,242 1,144 1,069 1,011
RM80,000 3,761 2,652 2,113 1,786 1,571 1,419 1,307 1,222 1,155
RM90,000 4,231 2,983 2,377 2,009 1,767 1,596 1,471 1,375 1,444
RM100,000 4,701 3,315 2,641 2,233 1,963 1,774 1,634 1,527 1,444
RM150,000 7,051 4,972 3,962 3,349 2,945 2,660 2,451 2,291 2,166
RM200,000 9,401 6,629 5,282 4,465 3,926 3,547 3,268 3,054 2,887
RM250,000 11,751 8,286 6,602 5,581 4,908 4,434 4,084 3,818 3,609
RM300,000 14,102 9,943 7,923 6,697 5,889 5,320 4,901 4,581 4,331

11.85% p.a (Effective Rate) / 6.44% p.a (Flat Rate equivalent for 3 years)




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


Personal Financing-i Calculator

How much should you be paying for your Personal Financing-i?

Complete the fields below to determine your monthly instalments for your Personal Financing-i.
*Please note that you do not have to use commas (example: type in 100000 and not 100,000)

Current Base Rate (BR) = 3.90%

Click on the button below to see the payment schedule for the first 12 months


CPR is at 15%

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