HSBC Personal Financing Loan- Anytime Money
Financing up to M150,000 | Monthly repayment as low as RM134.
There are times when you need funds immediately. To secure an opportunity, fulfil a need in your lifestyle or maybe to handle life's little twists and turns. HSBC Amanah Personal Financing-i is hassle-free personal financing that allows you to leap into what you want, faster and easier.
Benefits
Fast and hassle-free application
No guarantor, no collateral, fast approval.
Financing up to RM150,0001
Monthly payment as low as RM1341
Flat rate from 10.5% per annum
Payment period up to 7 years
Instant cash disbursement into your financing account with HSBC Amanah or HSBC upon approval
**Terms and Conditions for HSBC Amanah Personal Financing-i apply. Applicable for New-to-Bank customers only. Minimum income RM5,000 per month.
Eligibility
You’re eligible for an Amanah Personal Financing-i Account if:
You’re aged between 21 and 60
Your monthly salary is RM3,0004 or above
You are Malaysian or have Malaysian PR status
Monthly salary of more than RM3,000 applies to existing customers who have any existing relationship with HSBC Amanah. Otherwise, the minimum monthly salary is RM5,000 per month.
Apply for HSBC Amanah Personal Financing-i
Required documents
If you are salaried:
Copy of your NRIC
Copy of a current or previous month’s pay slip / copy of a bank statement showing salary credit into your account; or Form BE (full submission to the income tax department with payment receipts attached) / EA / EPF statement; or copy of an appointment letter (if employed less than three months)
If you are a variable income earner:
Copy of your NRIC
Copy of the latest 3 months’ pay slips / copy of your bank statement showing salary credits into the account
Form BE (full submission to the income tax department with payment receipts attached) / EPF statement / copy of your yearly commission statements from your employer
If you are self-employed:
Copy of your NRIC
Copy of latest Form B (full submission to the income tax department with payment receipts, or CPO2 attached) / EPF Statement / copy of your audited financial statement / profit and loss account
Copy of your Business Registration form
Terms and Conditions (“Terms”) HSBC Amanah Personal Financing-i (“Facility”)
As the Applicant applying for the Facility with HSBC Amanah Malaysia Berhad (“the Bank”), you agree to be bound by, and accept the Terms below.
1. APPLICATIONS You agree that the Bank may decline this application and need not provide any reason or justification for its decision. If you withdraw the application at any time after submission (but before it has been approved or rejected), you shall be liable for all legal expenses, charges and disbursements incurred by the Bank.
2. APPLICANT’S DECLARATIONS You declare the following: • You are not an undischarged bankrupt • You are not insolvent • You have no bankruptcy proceedings pending against you • You will not utilise any part of the Facility Amount towards purchase of property to be financed/charged to the Bank or HSBC Bank • No Event of Default has occurred or is continuing.
The Bank relies on these declarations whether or not it conducts any checks of its own in processing this application. You agree that if any of the above is untrue: (a) the Bank may demand immediate payment of the Bank’s Selling Price or the unpaid balance thereof, and (b) you must compensate the Bank for any loss.
3. USAGE OF MONIES The Bank does not require you to use the Facility for any specific purpose and you agree that you will not use it for a purpose against the principles of Shariah.
4. FACILITY THROUGH MURABAHAH TRANSACTIONS Upon approval of the Facility, the Bank will act as your sole and exclusive agent in buying and selling Shariah compliant commodities to provide you with this financing through the following Commodity Murabahah transactions: Step 1: You buy Shariah compliant commodities from the Bank at the Bank’s Selling Price (Cost Price plus profit at the Profit Rate p.a.). Step 2: You sell your Shariah compliant commodities through Bursa Suq Al Sila’ at the Cost Price (Facility Amount). Step 3: The Cost Price (Facility Amount) shall be paid to you by a credit into your accounts, one of which must be a deposit account: (a) opened with, or (b) an existing account with the Bank or HSBC Bank Malaysia Berhad (“HSBC Bank”) in your sole name. If you have no such account, you authorize the Bank to open an HSBC Amanah Advance Account-i for you and agree to be bound by the Bank’s Universal Terms and Conditions governing the account which are available at www.hsbcamanah.com.my.
5. ACCOUNT ACTIVATION (WHERE RELEVANT) If the Bank opens an HSBC Amanah Account-i for you, you must activate the account within the time stated in the Approval Advice sent to you by visiting any of the Bank’s or HSBC Bank branches. No adverse condition is to exist at the time of account activation, otherwise the Bank may not allow the activation and is entitled to reverse all entries and terminate the Facility.
6. WHAT YOU HAVE TO PAY You shall pay the Bank’s Selling Price to the Bank. The Bank’s Selling Price refers to the Cost Price (Facility Amount) plus profit at CPR p.a. (where profit at CPR equals to Cost Price (Facility Amount) x 20% p.a. x agreed Payment Period). Your Monthly Payments will be based on the effective Profit Rate (EPR) as stated in the Product Disclosure Sheet. The aggregated profit based on EPR over the entire Payment Period will be the same as the flat rate (as stated in section 2 above) in relation to the Facility Amount. The Bank shall grant you a rebate equivalent to the difference between the CPR and EPR. EPR shall not exceed CPR at all times.
7. HOW AND WHEN SELLING PRICE TO BE PAID Subject to Clause 11 below, you shall pay the Bank’s Selling Price (taking into account the rebate that will be granted) by the number of, and in the amount of monthly payments (“Payments”) as stated in the Approval Advice. The first Payment shall be paid on a date as advised in the same Approval Advice by way of debiting your account on the said date or on such other date fixed by the Bank if not practicable. The Approval Advice shall be read as part of this Form, but the former shall prevail in the event of inconsistency. Subsequent monthly payments shall be debited on or before the corresponding day of each subsequent month. You hereby effect a standing instruction in accordance with Clause 20 below. In spite of this, you agree the Bank shall have the right by notice to require payment to be made by any other method the Bank may prescribe.
8. PAYMENT REMINDER VIA SMS You agree that the Bank may send payment reminders via Short Message Service (SMS) to your Mobile Number as indicated in this Form or to the latest Mobile Number as provided by you to the Bank. The recipient viewing the same (if not you) shall be treated by the Bank as having been expressly authorised to view the SMS.
You can continue read the terms and conditions by clicking this link.
HSBC Amanah Personal Financing-i (Education)
When it comes to your child's education, it's your dream to give them the best. With the help of our HSBC Amanah Branch Managers, you can now discover other financial opportunities with your available funds, ease your financial burden and fulfil not only your child's dreams but yours as well.
Find out more about HSBC Amanah Personal Financing-i Education
Benefits
Apply for HSBC Amanah Personal Financing-i (Education) and enjoy:
Savings on school fees
Enjoy discounts when you make a full upfront payment instead of paying on a semester basis.
No early settlement fee
Enjoy the flexibility of a full payment before the official settlement date, without having to pay any additional charges. Better cash flow management
Enjoy access to available funds for other investments or financial opportunities.
Anytime Money Personal Financing-i is hassle-free personal financing that allows you to leap into what you want, faster and easier. Based on Shariah principle of Commodity Murabahah. And the best of it. No guarantor, no collateral and fast approval!For more information about personal loans for private sector employees and dealers , click the latest HSBC personal loan promotions.
Pinjaman Peribadi HSBC Bank Anytime Money!
Ada kalanya anda memerlukan wang segera. Untuk mendapatkan peluang, memenuhi keperluan gaya hidup anda atau mungkin untuk sedikit kelainan cara hidup. Bila-bila masa pembiayaan peribadi-i yang mudah membolehkan anda untuk mendapatkan apa yang anda ingini, lebih cepat dan lebih mudah. Berdasarkan kepada prinsip Syariah bagi Komoditi Murabahah. Dan yang terbaik daripadanya. Tiada penjamin atau cagaran dan kelulusan yang cepat! Untuk mendapatkan maklumat terperinci mengenai pinjaman peribadi terbaik ditawarkan oleh HSBC Bank.
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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