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. The maximum amount to be deducted is about 50% to 60% of salary. 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). Bank Islam Personal Financing-i (Package), Your amount should be between Personal Loan Malaysia | Pinjaman Peribadi, A site dedicated to latest rates, information and news. 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%. Get approval within 24 hours 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. So, the profit rate is like business earnings from the fee and profit for assets purchase-and-resale. Investments; Deposit Account; Services; Bank Islam Cards. 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. You may finance a minimum amount of RM10,000 up to RM200,000 OR up to 5x of your fixed monthly salary. This product is Shariah compliant and is based on Tawarruq buy and sell concept. The payment for Bank Islam Personal Financing-i  is done via auto salary deduction or salary transfer to Bank Islam. 10,000 There are three interest rates  tiers where you can enjoy better interest if you opt for selected Takaful products. 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). … Select from All banks. 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. Financing Quantum. Bank Islam Malaysia Berhad (Jawi: بڠك اسلام مليسيا برحد) is an Islamic bank based in Malaysia that has been in operation since July 1983. Take note that you must not exceed retirement age at the end of the loan tenure. My monthly income is as a. RHB Easy-Pinjaman Ekspres Interest Rate from 8.18% p.a. Bank Islam Personal Loan Posted on September 11, 2019 by admin Options of fixed or floating interest rates and Takaful Coverage. Investments; Deposit Account; Services; Bank Islam Cards. 1. 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. 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. The Profit rate used to calculate the monthly rentals is1 Year KIBOR +3.5%. Introduction to Bank Islam Malaysia Berhad (BIMB) Personal Loan Financing. This product is based on … Jadual Ansuran Bulanan Pembiayaan Peribadi-i Bank Islam : Pakej / Program. So the loan is not available for anyone working in the private sector. 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. Investments; Deposit Account; Services; Bank Islam Cards. Select from All banks. 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. Deposit and Investments. On top of that you will are not required to have any guarantor or collateral in order to apply for this application. Deposit and Investments. Deposit and Investments. 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. KUALA LUMPUR: Bank Islam Malaysia Bhd is offering customers affected by floods a loan moratorium of up to six months. FLOATING 1 to 3 years: Base Rate + 2.25% p.a. Applicants can even loan more than RM 200,000 if they provide collateral as security to Bank Islam. Looking for the best personal loan in Malaysia? 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 For the repayment for Bank Islam Personal Financing-i, it can be done via auto salary deduction or salary transfer directly to Bank Islam. From personal finances to credit cards and more, we meet all your financial needs. Apakah konsep Syariah yang diguna pakai? Options of fixed or floating interest rates and Takaful Coverage. Bank Islam Malaysia Berhad Pembiayaan Peribadi-i . Bank Islam Personal Loan. Use our personal financing calculator to find the best personal financing based on your requirements and eligibility. Having Takaful means that you can enjoy better interest rates and having protection for your installments in case of unfortunate incident. 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. It is clearly stated that this loan is only offered to Malaysian Public Sector employees only. The product includes TakafulWill writing, Banca Takaful or BankIslam Card-i. The rate would vary on factors such as age and risk. 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. Save more with our non-compounding charges credit cards. Floating interest rates would mean that your loan will be tied up with movements of BR with banks. Compare and get a personal loan with interest rates as low as 3.2%! I would like to borrow over. My monthly income is as a. RHB Easy-Pinjaman Ekspres Interest Rate from 8.18% p.a. Personal Banking. 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. Personal Takaful Financing Plan (PTFP) is optional with the loan. +60 19-207 4988 +603 7932 7932 [email protected] Level 26, Tower A, Pinnacle PJ, Jalan Utara C, 46200 Petaling Jaya, Selangor, Malaysia Personal Finance decisions made easy with a partner like Dubai Islamic Bank by your side. This personal loan is focused on government servants and employees of selected private, public listed and its subsidiaries. Pembiayaan maksimum adalah 10 tahun pembayaran balik pada umur persaraan. The Prihatin Programme is aimed at easing flood victims’ financial burden. 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. So the loan is not available for anyone working in the private sector. 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. There are no processing charges when you apply for the loan however there will be a RM 50 chargeable Wakalah fees for this product. Bagi pinjaman peribadi Bank Islam sektor awa… 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. Bank Islam Pembiayaan Peribadi Profesional atau Bank Islam Personal Financing for Profesional Program menawarkan pembiayaan hingga RM300,000. As a fule of thumb, the interest rates would go higher if Takaful plan is opted. 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. Based on eligibility limit and subject to minimum amount of RM10,000 and maximum amount of RM300,000 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. and 200,000. Apakah kemudahan Pembiayaan Peribadi-i Bank Islam? The loan amount would be subjected to criteria such as monthly income and credit score. One point that differentiate this personal loan is there are options for fixed or floating interest rates. loan tenure up to 10 years. Personal Banking. This is to protect borrowers in the case of any unfortunately incidents. Tenure over 2 years Monthly Repayment RM528.75; Standard Chartered CashOne Interest Rate from 5.5% p.a. FIXED 1 to 10 years : 4.99% p.a. Pinjaman peribadiadalah mematuhi Syariah manakala peminjam akan dapat menikmati wang pinjaman dari RM 20,000 hingga RM 200,000. 2. Bank Islam Cards. 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. Jangan bertindak ke atas e-mel palsu. What do I need to apply for this personal loan? 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. Personal Banking. 200,000, Your salary should be between Apply now Flat Profit Rate Personal Banking. You will also need a good credit record (CTOS/CCRIS) that means all of your overdue payments for all commitments should be settled off. Applicant must be a Malaysian citizen aged 18 and above to qualify. The Bank Islam personal loan offers either fixed or floating interest rates. This product is Shariah compliant and is based on Tawarruq buy and sell concept. As of personal loans in Malaysia, there are no collateral nor guarantor is needed for the loan. Personal Loan » Bank Islam. 17 Bank Islam Malaysia reviews. Investments; Deposit Account; Services; Bank Islam Cards. There are three interest rates tiers where you can enjoy better inter… Select the best product that fits your requirements from the list of recommended personal financing products listed and click on the Apply button. I would like to borrow over. The maximum deductable would be 50% to 60% of salary. 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. Use the personal loan calculator to check for your monthly repayments and apply online for free! Laporkan aktivity yang mencurigakan di talian 03-26 900 900 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).  The Shariah concept used is Tawarruq. 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). and Deposit and Investments. Personal Loan » Bank Islam. Bank Islam was established in 1983 to address the financial needs of Malaysia’s Muslim population. Bank Islam was established primarily to assist the financial needs of the country's Muslim population, and extended its services to the broader population. So, if you are working in a private sector, you can totally forget about this personal loan. The loan comes with optional Personal Financing Takaful Plan which would protect applicants in the the unfortunate event of death or permanent disabilities. A 1% p.a penalty will be charged for any late repayment. What is the applied Shariah concept? Indicative Effective Lending Rate for Bank Islam Malaysia is 3.25% with effective from 10 July 2020. Bank Islam is the pioneer of Shariah-based banking in Malaysia and South East Asia. A free inside look at company reviews and salaries posted anonymously by employees. Bank Islam Personal Financing-i is a loan package that is offered for public sectors and selected GLCs only. Bank Islam Personal Financing-i adalah pinjaman peribadi tanpa jaminan yang disediakan untuk pekerja yang berkhidmat di sektor kerajaan awam di Malaysia. Tenure over 2 years Monthly Repayment RM528.75; Standard Chartered CashOne Interest Rate from 5.5% p.a. Effective Lending Rate. The Bank will only finance the outstanding principal and not the markup. 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. Floating Rate Offer . A 0.55% Stamp duty is also applicable which is based on the loan amount. The amount of loan available is from RM 10,000 to RM 200,000. 2,000 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. EPF Valid for Federal or State level Government servant and Government Link Companies (GLC) staffs only. 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 2. There is no requirement to a deposit or advance payment when you apply for Bank Islam Personal Cash Line-i. 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