• Loan amount up to 5k-200k
  • Tenure 1-10 Years
  • Age 18-60 Years
  • Min Income 12k
  • Gov. Employee and GLC
  • A few business days

Borrow RM Monthly Repayment
RM


Interest Rate

%
How Long
My monthly income
As a

Personal Financing-i Civil Servant (RakanPintar)

Personal Financing-i Civil Servant (RakanPintar) is a unique product that is designed specifically for public servants and selected GLC Company which offers a lower profit rate with special benefits.

Concept

Tawarruq

Features

  • Amount of financing up to RM200,000
  • Financing tenure up to 10 years
  • No guarantor
  • Takaful coverage is optional

 

Eligibility

  • Malaysian citizen
  • Minimum age of 18 years and maximum 60 years old at the end of the financing tenure
  • Minimum fixed monthly income of RM1,000 including fixed allowances
  • Public sector & selected GLC employees
  • Minimum of three (3) months in service

 

Profit Rate

TENURE

PROFIT RATE

EFFECTIVE / FLAT

Up to 3 years

BR + 2.31%

6.16% / 3.26%

More than 3 - 10 years

BR + 2.94%

6.79% / 3.80%

*Note :

  1. Current Base Rate (BR) is 3.85%
  2. Additional profit rate of 1.5% over the current profit rate for financing without takaful

 

Installment Method

  • Salary transfer to Bank Rakyat

Special Benefits

  1. Free Premium Banking Membership
  2. Cash back RM0.50 on MEPS and Tabung Haji at ATM Transaction

 

Documents Required

DOCUMENTS REQUIRED

NEW APPLICATION

REPEATED / OVERLAPPING

  • Copy of MyKad/MyTentera

  • Latest 3 months salary slip

  • Latest 3 months Bank Statements of salary crediting account

 

  • And at least one (1) of the below :
    • Confirmation letter from employer
    • EA Form

 

 

Fees & Charges

TRANSACTION             CHARGE

Stamp duty                   0.5% of total financing as contained in the Stamp Duty Act 1949.

                                    Note. You are advised to take Takaful coverage from Takaful Company appointed by the Bank.

Compensation              During the financing tenure: 1% per annum on the outstanding amount of the

Charge (Ta’widh)           monthly payment.

for Late Payment          After expiry of financing tenure. Based on current Islamic Interbank Money

                                     Market Rate on the outstanding principal balance.