X-Change X-TRA

Discover Profit Rates Designed for Affordability and Flexibility

Achieve your financial goals with our competitive Personal Financing-i packages. Below are the profit rate details:

Note:

• Standardised Base Rate (SBR) is currently at 2.75% p.a. (effective 17 July 2025)
• Ceiling Profit Rate is at 15.00% p.a.

Payment Method

Through salary deduction arrangements with MBSB Bank.

Eligibility

• Open to all Malaysian citizen of at least 19 years old and not exceeding 60 years upon the expiry of the facility or opted retirement age, whichever comes first;
• Government employees having salary deduction arrangements with the Bank;
• Must open Current Account-i or Saving Account-i (CASA-i) with the Bank;
• Must subscribe to Group Credit Family Takaful (GCFT) coverage and other Banca Takaful or Wealth products with the Bank;
• Eligible for both new and existing MBSB Bank customers;
• The payment deferment begins in the month of financing is approved.