Personal Loan KFH for Government Sector

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Personal Loan by KFH named Personal Financing-i Government Sector offering financing amount up to 19 years with low interest rate at 4.99% per annum.

Eligibility

  • Government servant
  • Minimum monthly income of RM1,000 (the gross monthly salary is computed based on salary plus fixed allowances)
  • Must be eligible for salary deduction via Coshare
  • Permanent government staff, a minimum of one year in service
  • Contract staff with payslip reflecting payment of fixed allowances, a minimum of five years in service
  • Aged between 21 and 55 years old

Features

  • Loan Amount
    • Minimum loan amoun RM2,000
    • Maximum loan amoun RM200,000
  • Interest rate 4.99% per annum fixed rate
  • Tenure
    • Minimum tenure 2 years
    • Maximum tenure 19 years

Documents Required

  • Identity Card (Mykad)
  • Latest 3 months salary slip
  • Respective head of division/department’s confirmation* and verification letter on employment status.

Kuwait Finance House Personal Loan repayment table (click to enlarge)

 

Personal Loan KFH for Private Sector

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Personal Loan by KFH named Murabahah Personal Financing-i offer a competitive fixed rate for Private Sector at 7.5% per annum for repayment periods up to 7 years.

Eligibility

  • At least two years working experience with current employer
  • Minimum monthly income of RM10,000
  • Individuals aged between 21 and 55 years old

Features

  • Loan Amount
    • Minimum loan amoun RM20,000
    • Maximum loan amoun RM100,000
  • Interest rate 7.50% per annum fixed rate
  • Tenure
    • Minimum tenure 2 years
    • Maximum tenure 7 years
  • No guarantor or collateral required

Documents Required

  • Identity Card (Mykad)
  • Latest 3 months salary slip
  • Respective head of division/department’s confirmation* and verification letter on employment status.

Kuwait Finance House Personal Loan repayment table (click to enlarge)

 

Personal Loan CIMB Cash Plus Financing-i

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Personal Loan CIMB Cash Plus Financing-i offering interest rate at 8.88% with repayment period up to 5 years for private sector and self employed.

Eligibility
  • Open to Malaysian citizen and Permanent Resident aged between 21 and 60 years old
  • Minimum monthly income of RM2,500 gross
  • Employment / business for more than 6 months
Features
  • Loan Amount
    • Minimum loan amount RM2,000
    • Maximum loan amount RM100,000
  • Maximum tenure 5 years
  • Interest rate 8.88% per annum fixed rate
  • No guarantor or collateral required
  • Monthly installment payments through automatic payments via standing instruction
  • 24 hour approval and fast disbursement
CIMB Cash Plus Financing-i repayment table

Documents Required

  • Employed
    • Mykad (both side)
    • Latest 3 months salary slip; and
    • Latest 3 months Salary-Crediting Account or latest EPF statements; or
    • Latest CIMB Payroll Account
  • Self Employed
    • Mykad (both side)
    • Business Registration Certificate (Form D or Form 9,24,49 and M&A)
    • Latest 6 months Business Bank Statements; or
    • Latest BE form with proof of tax payment receipt; or
    • Latest Profit & Loss and Balance Sheet statements

For more details, visit your nearest CIMB branches.

 

Personal Loan Al-Rajhi Bank

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Personal Loan by Al-Rajhi Bank offering a promotion interest rate of 7.99% with repayment periods up to 5 years. Promotion ends 28 February 31 March 2011.

Eligibility

  • Open to all Malaysians aged 21 and above
  • Minimum gross salary of RM1,500

Features

  • Promotion interest rate of 7.99% (normal rate is 9.99%)
  • Loan amount up to 5 times of salary or RM150,000 whichever is lower
  • Maximum tenure 5 years

Benefits

  • No collateral or guarantor required
  • No penalties for early settlement

Personal Loan Al-Rajhi Bank repayment table

 

Personal Loan Bank Rakyat 1Aslah

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Personal Loan from Bank Rakyat, named Personal Financing-i 1Aslah offering financing amount up to RM200,000 and repayment period up to 20 years with interest rate as low as 3.25%.

Eligibility

  • Open to Malaysian citizens aged between 18 and 55 years old (58 years old – government employees only)
  • Minimum monthly income of RM700.00 for Government employees
  • Minimum monthly income of RM3000.00 for Private sector employees
  • Employees in service for not less than 3 years

Features

  • Financing amount of up to RM200,000.00* or monthly deductions not exceeding 60% of gross monthly income
  • Maximum tenure 20 years
  • No collateral or guarantor required
  • Interest Rates
  • Financing Tenure (Year) Member Non-Member
    1-3 3.25% 3.30%
    4 – 5 4.25% 4.30%
    6 – 7 4.75% 4.80%
    8 – 15 4.85% 4.90%
    16 – 20 5.20% 5.25%

Repayment method

  • ‘Biro Perkhidmatan Angkasa (BPA)’
  • Employee Salary Deduction
  • Savings Account Deduction

For more details, visit your nearest Bank Rakyat branches

 

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