RHB Personal Financing-i for Civil Sector
Min. Interest Rate5.25% p.a.
Max. Loan AmountRM 300,000
Max. Tenure10 years
Min. Interest Rate5.25% p.a.
Max. Loan AmountRM 300,000
Max. Tenure10 years
Exclusively for government and selected GLC employees, borrow up to RM300,000 at rates from 5.25% p.a. with no guarantor required.
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 5.25% p.a.**Subject to terms and conditions
Stamp Duty
ChargeableAs per the Stamp Duty Act 1949 (Revised 1989)
Processing Fee
RM 30.00Per application, for Brokerage Fee
Late Payment Fee
1.00% on such overdue amountAnd per annum
Early Termination Fee
Exempted
Eligibility
Min. IncomeRM 2,000per monthRM 24,000 per year
Who Can Apply?Malaysian citizens18 - 58 years old
Employment Status
- Government employee
- Federal or State Government employee
- Selected GLC employee
Documents required to apply:You will need to provide several documents such as (varies between different banks):
Salaried Employees (Malaysian)
- Copy of identity card (front & back)
- Latest 3 months salary slip
- Latest 12 months EPF statement
- Letter of employment (if working less than 6 months)
Self-Employed (Malaysian)
- Copy of identity card (front & back)
- Business Registration Certificate (SSM) / Forms 9, 24 and 49 / M&A
- Latest B/BE Form with official tax receipt
- Latest 6 months bank statement
- Latest Notice of Assessment (for those working in Singapore)
Loan Repayment Table
| Financing Amount | Financing Tenure | Min. Income | Profit Rate |
|---|---|---|---|
| RM 2,000 - RM 300,000 | 24 - 120 months | min. RM 24,000 | 5.25% p.a. |
Features
Shariah-compliant
Profit rates as low as 5.25% per annum (for employees earning below and above RM5,000 monthly)
High financing amount of up to RM300,000
Repayment tenure of up to 10 years
No guarantor is required!
Monthly instalments through salary deduction via Biro Angkasa
Exclusively for civil sector employees (Federal or State Government), and selected GLC employees
Compulsory Takaful coverage with RHB's selected panels or your choice of providers