Kuwait Finance House (KFH) Personal Loan

Kuwait Finance House Malaysia is multinational Islamic bank that offers complete range of Shariah-based financial products and services under Corporate and Investment, Commercial, and Retail and Consumer Banking as well as Treasury and International Business Read more Show less

Compare Personal Loans by Kuwait Finance House Malaysia

About the loan




profit rates from
6.88% p.a.
effective profit rates from
11.51% p.a.
profit rates
(with collateral)
6.18% p.a.
effective profit rates
(with collateral)
10.48% p.a.
financing amount
RM 5,000
financing amount
RM 250,000
financing tenure
24 months
(2 years)
financing tenure
120 months
(10 years)


  • an Islamic personal financing based on the Syariah concept of Murabahah Tawarruq
  • no guarantors or collateral required
  • get financing up to RM 250,000
  • competitive flat profit rates
  • flexible tenure ranging from 2 to 10 years
  • Takaful protection for total peace of mind
  • no early settlement penalty
  • easy repayment via Interbank GIRO (IBG) or Interbank Fund Transfer (IBFT)


  • Malaysian resident
  • minimum gross monthly income - RM 3,000
  • confirmed and permanent staff
  • individuals working with multinational companies (MNC), public limited companies (PLC), government-linked companies (GLC) and their subsidiaries
  • minimum age - 21 years old
  • maximum age - 58 years old

Fees & Charges

  • brokerage fee - proportionate as per the financing amount
  • stamp duty - 0.5% of the financing amount
  • Takaful - varies as per the individual customer's profile (age, gender, tenure, etc)
  • late payment compensation charge - 1% p.a. on the overdue instalment
  • early settlement rebate - entitled to Ibra', must give prior notice in writing 30 days prior to the effective date

Documents Required

Category Documents to prepare
Salaried earners
  • latest 3 months' payslip
  • latest EPF statement showing latest 3 months' contribution
  • any other documents as deemed required by KFH (case to case basis)

Compulsory documents

  • business registration form

Any of the following documents where required by KFH

  • latest Form B or e-Tax form with tax payment receipts
  • EPF statements showing latest 6 months' contribution
  • a copy of latest audited financial statements
  • 6 months' company bank statement
  • proprietor bank statement
  • latest 3 months' personal bank statement
  • any other documents on case to case basis


[last updated: 07 Nov 2019]