Personal Financing-i Lestari
Personal Financing-i is a financing based on the concept of Tawarruq. The maximum limit of this financing is RM200,000.00 with financing tenure of up to ten (10) years and profit rate as low as 3.45% per annum.
Personal Financing-i Lestari
Financing up to
RM200 Thousand
Instant Withdrawal
Up to 10 years
Profit Rate
| Sector | Payment | Profit Rate % |
|---|---|---|
| Public & GLC | BPA | 1 – 3 Years : 3.45% 4 – 10 Years : 3.75% |
| Public | PGM | 1 – 3 Years : 3.45% 4 – 10 Years : 3.75% |
| BPA | Income RM3,000.00 : 4.29% | |
| PDC/SI/Others | Income RM5,000.00 – RM10,000.00 : 4.69% Income > RM10,001.00 : 4.49% |
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| * PDC – Post Dated Cheque | * SI – Standing Instruction | * Others – Online banking |
Malaysian, age 18 years old and above (except financing with *PGM) or up to retirement age (whichever is earlier)
Public Sector
- Government Sectors & Statutory Bodies with permanent status (more than 3 months of service)
- Government servant with extended contract status - tenure of > two (2) years (only for KEMAS staff and Unity Department only)
- Government Subsidiaries / GLCs
Private Sector
- Private Sector / Selected Companies with permanent status - Tenure of > three (3) years (Employer and Non-Employer Panel)
Minimum Income
- Government Servant & GLCs – RM2,000.00
- Private Sector & Employers Panel – RM3,000.00
- Private Sector Non-Employer Panel – RM 5,000.00 and above
*Minimum age for financing with Employer's Salary Deduction (PGM) is 21 years old
| Sector | Payment | Financing Limit |
|---|---|---|
| Public | RM 200,000.00 | |
| Private - PGM | Private Non-PGM | RM 200,000.00 |
| Income: RM3,000.00 – RM5,000.00 | None | 8 Times Monthly Gross Salary |
| Income: RM5,001.00 – RM10,000.00 | Income: RM5,001.00 – RM10,000.00 | 10 Times Monthly Gross Salary |
| Income: > RM10,001.00 | Income: > RM10,001.00 | 15 Times Monthly Gross Salary |
| Sector | Payment | Profit Rate |
|---|---|---|
| Public & GLC | BPA | 1 – 3 Years : 3.45% 4 – 10 Years : 3.75% |
| Private | PGM | 1 – 3 Years : 3.45% 4 – 10 Years : 3.75% |
| BPA | Income RM3,000.00 : 4.29% | |
| PDC / SI / Others | Income RM5,000 – RM10,000.00 : 4.69% Income > RM10,001.00 : 4.49% |
Maximum 10 years (120 Months) or up to retirement age or whichever is earlier
Guarantor / collateral is not required including employees with contract status attached (for Kemas & Unity Department staff only)
- No advance / advance payment for government employees, statutory bodies and GLCs by way of repayment through BPA deduction
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For other means of payment and category of employer, one (1) month advance payment is taken / deducted manually from the financing amount and credited into the applicable financing account
| NEW APPLICATION | OVERLAPPING APPLICATION | |
| MANDATORY DOCUMENT |
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| SUPPORTING DOCUMENT |
Note: Supporting documents can be submitted before the offer letter and financing agreement are signed. If the supporting documents cannot be submitted by the applicant, the amount of funding that has been approved must be adjusted based on the information that has been received. |
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