Bank Rakyat Personal Financing-i Public
Min. Interest Rate4.92% p.a.
Max. Loan AmountRM 400,000
Max. Tenure10 years
Min. Interest Rate4.92% p.a.
Max. Loan AmountRM 400,000
Max. Tenure10 years
Fixed rates from 4.92% p.a. for public sector employee, with free Premium Banking Membership.
Calculate your monthly repayment
*Profit rate, monthly repayment, and total repayment amount displayed are estimates for illustrative purposes only. The actual financing terms, including the approved amount, and final profits are subject to assessment and approval by the lending party.
Fees and Charges
Profit RateAs low as 4.92% p.a.**Subject to terms and conditions
Stamp Duty
0.50%0.50% of the total amount
Processing Fee
RM 28.30For Wakalah Fee (inclusive of Brokerage Fee)
Late Payment Fee
1.00% on such overdue amount
Early Termination Fee
Exempted
Eligibility
Min. IncomeRM 1,600per monthRM 19,200 per year
Who Can Apply?Malaysian citizens18 - 60 years old
Employment Status
- Goverment employees
- GLC employees
- Public Listed Company employee
Documents required to apply
- A copy of your IC (both sides)
- Latest 3 months salary slips
- Latest 3 months bank statement (with salary being credited)
- Latest B/BE Form with official tax receipt
- Latest EPF statement
- Letter of employment or employer confirmation
Loan Repayment Table
| Financing Amount | Financing Tenure | Min. Income | Profit Rate |
|---|---|---|---|
| RM 10,000 - RM 400,000 | 12 - 120 months | min. RM 19,200 | 4.92% p.a. - 6.72% p.a. |
Features
Fixed Profit Rate as low as 4.92% p.a - 6.72% p.a
Monthly repayment as low as RM124.33
Free Premium Banking Membership & Cash back RM0.50 on MEPS and Tabung Haji at ATM Transaction
Shariah compliant
No Collateral or Guarantor Required
Minimum loan amount: RM10,000
Maximum loan amount: RM400,000
Minimum duration of the loan: 12 months
Maximum duration of the loan: 120 months