Bank Islam Personal Financing
Personal Cash Line-i
Personal Cash Line-i against Bank Islam’s Fixed Deposit, Structured Investment or Unit Trust
Financing Quantum
Subject to a minimum of RM10,000
Margin of Financing
- Up to 100% if secured against fixed deposit
- Up to 80% if secured against structured investment
- Up to 60% if secured against unit trust
Payment Period
Secured against fixed deposit or structured investment. Maximum of 5 years (60 months) with no age limit. Secured against unit trust
Maximum of 5 years (60 months) or up to the retirement age or up to 70 years old, whichever is earlier
Personal Cash Line-i Secured
Personal Cash Line-i against Bank Islam’s Fixed Deposit, Structured Investment or Unit Trust
Financing Quantum
- Subject to a minimum of RM5,000
Margin of Financing
- Up to 100% if secured against fixed deposit
- Up to 80% if secured against structured investment
- Up to 60% if secured against unit trust
Payment Period
Secured against fixed deposit or structured investment
- Maximum of 5 years (60 months) with no age limit
Secured against unit trust
- Maximum of 5 years (60 months) or up to the retirement age or up to 70 years old, whichever is earlier
Personal Financing-i Programme for Medical Practitioner
Benefits & Features
Financing Quantum
Based on eligibility limit and subject to minimum amount of RM10,000 and maximum amount of RM300,000
Payment Period
Maximum of 10 years (120 months) or up to the retirement age, whichever is earlier
Financing Rate Offer With Takaful Coverage
Flat Rate
(Promotional Rate for Package and Program Customer, 7 months only from 01/08/2019 to 29/02/2020)
1- 3 years : 4.20% p.a. (Profit is calculated on a monthly basis based on “Sum of Digit”).
4-10 years : 4.35% p.a. (Profit is calculated on a monthly basis based on “Sum of Digit”).
Floating Rate (Base Rate [BR])
1-3 years: Base Rate (BR) + 2.38% p.a. (Profit is calculated on a daily basis based on “Monthly Rest”).
4-10 years: Base Rate (BR) + 3.02% p.a. (Profit is calculated on a daily basis based on “Monthly Rest”).
Revised BR (effective date 10 May 2019) is 3.77% p.a
Financing Rate Offer Without Takaful Coverage
Flat Rate
(Promotional Rate for Package and Program Customer, 7 months only from 01/08/2019 to 29/02/2020)
1-10 years : 5.99% p.a. (Profit is calculated on a monthly basis based on “Sum of Digit”).
Floating Rate (Base Rate [BR])
1-3 years : Base Rate (BR) + 3.38% p.a. (Profit is calculated on a daily basis based on “Monthly Rest”).
4-10 years : Base Rate (BR) + 5.28% p.a.
Revised BR (effective date 10 May 2019) is 3.77% p.a
Eligibility & Requirements
Eligibility (Salary Earner)
Applicant must be 25 years old and not exceeding the retirement age at the end of payment period
Malaysian citizen
Fixed income earner with a minimum gross income of RM2,000 per month
Minimum tenure in service:
Permanent Staff : 6 months
Contract Staff : 2 years (Government only)
Eligibility (Sole Proprietorship or Partnership)
Applicant must be 25 years old and not exceeding the retirement age at the end of payment period (maximum entry age is 65 years and up to 70 years old)
Malaysian citizen
Earning a minimum gross monthly income of RM2,000 and above
Minimum of 2 years in business
Documents Required
For salary earner applicant:-
Photocopy of Identity Card
Latest payslip
Latest letter of confirmation from employer (salary earner)
Certificate of registration with Malaysian Medical Council or Malaysian Dental Council
And at least one (1) of these:
Latest income statement (Form B/eBE/ EA/EC); or
Latest 3 months Bank Statements of salary crediting account; or
Any other latest supporting document such as EPF statement, if required
For Sole Proprietorship or Partnership:-
Photocopy of identity card
Fees & Charges
RM50.00 – For being the customer’s agent to sell commodity to the Broker
T&C and PDS
Personal Financing-i Non Package
Financing Quantum
Based on eligibility limit and subject to minimum of RM10,000 and maximum amount of RM150,000
Financing RM30,000 and below – without guarantor
Financing more than RM30,000 – one guarantor
Payment Period
Maximum 120 months (10 years) or up to the retirement age, whichever is earlier
Personal Financing-i Package
Features Financing Quantum
Based on eligibility limit and subject to minimum amount of RM10,000 and maximum amount of RM300,000
Payment Period
Maximum of 10 years (120 months) or up to the retirement age, whichever is earlier
Promotional Rate for Teacher and Nurse (7 months only from 01/08/2019 to 29/02/2020)
Contact Bank Islam
Bank Islam Malaysia Berhad
Level 32, Menara Bank Islam
No. 22, Jalan Perak
50450 Kuala Lumpur
General Line: +603 2088 8000
Contact Centre: +603 26 900 900
Email: contactcenter@bankislam.com.my
Our e-mail correspondent unit operation hours are from Monday to Friday (9.00am to 6.00pm). We don’t operate on weekends and public holidays.
For any urgent matters especially to report on a lost or stolen card, please immediately call Bank Islam Contact Centre at 03-26 900 900 (24hours/7days a week).
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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*source: bankislam.com.my