Hong Leong Bank Personal Financing Loan
Features and Benefits
20% Cash Back on interest
Monthly instalments as low as RM130*
Fast approval within 48 hours**
Flexible repayment tenure of up to 5 years
Minimum income eligibility of only RM24,000 per annum
No guarantor and no collateral
5-minute loan approval at am:pm Convenient Banking**
Click here for more am:pm Conveniet Banking information
Eligibility
Malaysian citizens only, aged between 21 to 60 years old
Earn a minimum annual income of RM24,000 per annum
* Based on a financing tenure of 5 years for RM5,000, and during Cash Back Period.
** 48 hour loan approval is subject to terms and conditions.
Take advantage of our 4.38% p.a. low flat rate
Other terms and conditions apply.
RePayment Table
| Loan(RM) | Int Rate (p.a.) |
Monthly Instalment(RM) | Monthly Instalment During Cash Back Period(RM) | ||
|---|---|---|---|---|---|
| 2 Years | 5 Years | 2 Years | 5 Years | ||
| 5,000 | 12.50% | 265 | 140 | 245 | 130 |
| 50,000 | 11.00% | 2,545 | 1,295 | 2,365 | 1,180 |
| 100,000 | 10.00% | 5,000 | 2,500 | 4,670 | 2,395 |
| 150,000 | 9.00% | 7,375 | 3,625 | 6,925 | 3,345 |
Note:
- Flat interest rate ranges 9.00% per annum - 12.50% per annum depending on loan amount, income and tenure.
- Effective Interest Rate ranges from 12.38% - 22.42% per annum.
- The above table serves as illustration purpose only, with the assumptions of customer with a minimum monthly income of RM4,000 and above.
- Actual monthly instalment will be rounded up to the nearest RM5.
Fee and Charges
Refer to the below for the Fees and Charges applicable to Personal Loan/Financing-i.
| Description/Service | Charges/Fees* |
|---|---|
| Stamp Duty Fee | 0.50% of the disbursed facility amount for every approved facility |
| IBG Fee | A nominal fee of RM2.00 will be charged on every Interbank Giro (IBG), if any |
Late Payment Charge (Applicable to Personal Loan) |
1% p.a. on the arrears of outstanding for each facility (daily rest basis) |
| Early Settlement | No charges/fees to be imposed provided 3 months’ written notice is given to the Bank prior to the early settlement. Otherwise, payment of 3 months’ interest on the amount redeemed is applicable. (For Personal Financing-i, payment in lieu of notice is not applicable – customers are required to provide 3 months’ written notice should they opt for early settlement) |
Compensation Charges (applicable to Personal Financing-i) |
For default payment during facility tenure = 1% p.a. on the overdue instalment amount For default payment causing the facility to be terminated or brought to court = 1% p.a. on the outstanding balance (outstanding principal plus accrued profit) For default payment after expiry of facility tenure = BNM Islamic Interbank Money Market (“IIMM”) rate on the outstanding balance (outstanding principal plus accrued profit) For default payment post judgment = IIMM rate on the basic judgment sum |
*Subject to Government Tax, if applicable
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.
Tags: personal loan, pinjaman peribadi, personal financing, pembiayaan peribadi, koperasi, koperasi loan, pinjaman koperasi, pinjaman peribadi koperasi, bank rakyat, islamic loan, islamic financing, jadual pinjaman peribadi, payment schedule loan, biro angkasa, payout 100%, kobena, kogemilang, yayasan ihsan rakyat, yayasan rce perlis payout 100% loan 60% potongan gaji majikan