AgroCash-i Personal Financing Loan
AgroCash-i is a personal financing facility for customers for the purpose of consumer financing mainly related to agriculture and agro-based activity.
The implementation of the product is based on the Tawarruq transactions.
Eligibility Criteria
| Age Requirement | Government Employees GLC Staff |
| Eligibility | Government Employees GLC Staff |
| Min. Salary Requirement | Government Employees GLC Staff |
| Takaful Coverage | Customer is encourage to take Skim Takaful Kredit |
Product Details
Financing Limit
Government Employees: Maximum RM200,000
GLC Staff: Maximum RM200,000
Financing Tenure
10 years maximum
Profit Rates
(Subject to eligibility and current changes)
Description Eligibility Criteria
Profit rate is subjected to eligibility and current conditions changes. Profit rates are as below:
FEDERAL GOVERNMENT
Tenure Profit Rate
Up to 3 years BR + 2.85% p.a
4 to 10 years
BR + 3.35% p.a
STATE GOVERNMENT/STATUTORY BODY/PIHAK BERKUASA TEMPATAN & GOVERNMENT LINK COMPANY
Tenure Profit Rate
Up to 3 years BR + 3.22% p.a
4 to 10 years
BR + 3.67% p.a
FOR APPLICATION THAT HAS UNSATISFACTORY CREDIT ASSESSMENT
Tenure Profit Rate
Up to 10 years
BR + 4.25% p.a
Profit rate charged is dependent on the following criteria:
a) Existing and new customer
b) Good track record as per CCRIS which not exceed MIA-2 for the past 12 months.
c) Salary deduction through BPA
d) No Rescheduling and Restructuring (R&R) status.
e) No Special Attention Account (SAA)
Ceiling Profit Rate (CPR):-
BR + 7.15% p.a or 10% p.a whichever is higher for the calculation of Sale Price
Effective Profit Rate (EPR):-
At the current profit rate and did not exceed CPR and calculated based on monthly balance
Note : Current BR is at 3.60%
Fee & Charges
Stamp Duty As per the Stamp Act 1949 (Revised 1989).
Advanced Installment
Advance payment of installments equivalent to three (3) month installment which shall be used as payment of default under the financing.
Advance installments shall be deducted from the financing amount.
Advance payment can only be taken prior to financing is matured or settled.
Brokerage Fee RM 30 per transaction (Subject to Service Tax at rate of 6% (if applicable)
Note: The Bank will notify the Customer at least 21 days’ before effective date should any changes is made to the fees and charges.
Contact Agrobank Berhad
Bank Pertanian Malaysia Berhad (Agrobank)
Leboh Pasar Besar
Peti Surat 10815
50726 Kuala Lumpur
Telephone : 603-2731 1600
Fax : 603-2691 4908
Customer Service/ Call Center: 1 300 88 2476
Banking Hours
Office Hours
Monday to Friday : 8.30 a.m. to 5.30 p.m.
Weekend and Public Holiday : Closed
Banking Hours
Monday to Friday : 9.00 a.m. to 4.30 p.m.
Weekend and Public Holiday : Closed
ATM / CDM / FCQM
4.00 a.m. to 12.00 a.m. daily
*source: agrobank official website
Interested to Apply A Personal Loan? Talk With Us Now!
Call/ SMS / Whatsapp: 019-2983056 (Give name, No.IC, Departments & Locations, office telephone number, mobile phone number(if no different with WhatsApp number), Permanent/ Contract, Basic Salary, Fixed Allowances and Total Deductions on latest payslip), FaceBook / E-mail:hashimbank@gmail.com.
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