RHB Personal Financing-i Civil Sector

  • Loan amount 2k–200k
  • Tenure2-10Years
  • Age 18-58 Years
  • Min Income 12k
  • Gov. employee
  • A few business days

Borrow RM Monthly Repayment

Interest Rate

How Long
My monthly income
As a

RHB Personal Financing-i Civil Sector

A fast approval government servant financing repayment through salary deduction. What's more - Takaful protection in the event of death and total permanent disability.

    • Financing up to RM200k
    • Up to 10 years tenure
    • Unsecured Islamic Financing



Interest Rates

How much the bank charges you based on your loan amount & loan period

Financing Value                Financing Period        Your Income         Profit Rate

RM2000 – RM200000      24 to 120 months         min. RM12000     4.5% p.a.


Fees & Charges

There are always fees but how much are they?

Profit Rate / APR- As low as 4.5% p.a., depending on financing amount and period

Processing Fee - RM31.80 brokerage charge

Stamp Duty and Handling Fee - RM10

Late Payment Charge - 1% from current outstanding amount

*inclusive of 6% GST



Are you eligible for this personal financing?

Minimum annual income - RM12000

Minimum age - 18 years old

Maximum age - 58 years old

Who can Apply - Malaysians

  • Government employee

Frequently Asked Questions about RHB Personal Financing-i Civil Sector

Things you might want to know

An ideal financing plan for government employees looking for extra cash, with low minimum salary requirements at RM1,000 a month and auto-deductions via Biro Angakasa - so you’ll always meet your repayments without any hassle or over-spending.


How much can I borrow from RHB Bank?

RHB Personal Financing-i for Civil Sector will let you borrow a minimum of RM2000 up to RM150,000. You can choose any repayment period between 2 years to 10 years, as long as can afford the monthly repayments.


What fees should I be aware of? Do I have to pay any GST?

You’ll have to pay a brokerage charge of RM31.80 with GST included to get your financing approved and process. In addition, you’re required to pay RM10 for stamp duty fees.

If you’re late on your monthly payments, you’ll be charged 1% of the outstanding balance by RHB, as well as GST charges.


What do need to apply for this RHB Islamic financing?

To approve your loan RHB Islamic will need you to fill up an application form and submit your supporting documents. Here’s what you’ll need:

  • 2 copies of your MyKad front and back
  • Authorisation Letter for Salary Deductions
  • Original and 3 copies of latest 3 months’ salary slips
  • 2 copies of Confirmation Letter from employer
  • 2 copies of Redemption Letter (if applicable)

How will I get the cash once I have been approved?

Once RHB Islamic has reviewed your application and approved your financing, you’ll need to accept the cash and terms of the agreement. Your financing will then be transferred to a Savings Account or Current Account of your choice.


How much do I have to pay back each month?

RHB Islamic Bank will provide you with a repayment schedule based on the amount that you borrowed and chosen tenure. Be sure to meet your repayments on time each month to avoid being charged any late payment fees.


What happens if I choose to settle my financing early?

There will be no exit fees charged by RHB if you decide to terminate this Islamic financing plan ahead of schedule. Ibra’ rebates will be awarded to you based on the profits calculation and any applicable early settlement charges.