Pembiayaan Peribadi-i Profesional is a personal financing using the shariah concept of Tawarruq. It provides a maximum limit of RM200,000.00 with a financing tenure of 10 years and a profit rate as low as 3.99% per annum.
Sector |
Payment |
Profit Rate % |
---|---|---|
Private |
Note: *For Customers who work with Shariah Non-Compliant Companies, Customers can opt for payment other than Salary Deduction |
2 - 10 years:
|
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Malaysian, Age 21 years old and above and not exceeding retirement age 65 years and the end of the financing, whichever is earlier
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Working in Private Sectors as Professional such as Medical Doctor, Dentist, Veterinary, Accountant, Lecturer, Engineer, Architect,
Pharmacist, Quantity Surveyor, Optician/Optometrist, Property Valuer, Geologist, Lawyer, Banker and other recognized professionals -
Minimum income of RM4,000.00 per month.
Minimum: RM10,000.00
Maksimum: RM200,000.00*
Nota : *subject to credit assessment
Maximum 10 years or up to retirement age (whichever is earlier)
Guarantor / collateral is not required
Equivalent to two (2) months monthly instalment
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Photocopy of Identity Card
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Two (2) copies of Applicant’s latest three (3) months payslip
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Latest three (3) months bank statement of credited salary account
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EPF Statement
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Letter of Confirmation from employer
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Valid certification / registration with the respective Certification Authority / Membership Registration Institution according to the professionals and/or other recognized bodies
Profession |
Certification Authority / |
Medical Doctor |
Majlis Perubatan Malaysia / Malaysian Medical Council (MMC) |
Dentist |
Majlis Pergigian Malaysia / Malaysian Dental Council (MDC) |
Veterinary |
Majlis Veterinar Malaysia / Malaysia Veterinary Council (MVC) |
Accountant |
|
Lecturer |
Insitusi Pengajian Tinggi Swasta (IPTS) – berdaftar di bawah Agensi Kelayakan Malaysia / Malaysian Qualifications Agency (MQA) |
Engineer |
Lembaga Jurutera Malaysia / Board of Engineers Malaysia (BEM) |
Architect |
|
Pharmacist |
Lembaga Farmasi Malaysia / Pharmacy Board Malaysia |
Quantity Surveyor |
Lembaga Juruukur Bahan Malaysia / Board of Quantity Surveyors Malaysia (BQSM) |
Optician/ Optometrist |
Majlis Optik Malaysia / Malaysian Optical Council |
Actuary |
Persatuan Aktuari Malaysia / Actuarial Society of Malaysia |
Property Valuer |
|
Lawyer |
Badan Peguam Malaysia / Malaysian Bar |
Geologist |
Lembaga Ahli Geologi Malaysia / Board of Geologists Malaysia |