Author Archives: yeejin727

Maybank berjaya menduduki tempat ke-362 daripada 500 syarikat awam terbesar dalam Senarai Tahunan Forbes Global 2000 untuk tahun ini.

PERSONAL LOAN/PINJAMAN PERIBADI MAYBANK – YEAR 2016

Malayan Banking Berhad is the largest bank and financial group in Malaysia, with significant banking operations in Singapore, Indonesia and the Philippines. The bank also has large interests in Islamic banking through Maybank Islamic Berhad and insurance via its Etiqa subsidiary. Maybank is the largest bank in Malaysia with 401 domestic branches.

Maybank offers loan such as Maybank Personal Loan with a theme “Live a Brighter Life”.

Customers can apply for a loan based on their preference with Maybank using the quick application process which ensures hassle free, fast approval and no guarantor or collaterals required. To apply for a Maybank financing, you will just need to provide a fixed monthly installment. Customers can apply for loan amount of minimum RM5,000 to a maximum of RM100,000.Repayment period for the loan is minimum of 2 years or a maximum tenure 6 years.

Interest Rates:

  • Loan amount RM5,000 to RM20,000 (8% per annum fixed rate)
  • Loan amount RM20,001 to RM50,000 (7% per annum fixed rate)
  • Loan amount RM50,001 to RM100,000 (6.5% per annum fixed rate)

Customers who are eligible for the loan will enjoy benefits such as:

  • Monthly repayment as low as RM102.78 per month for Basic Loan (depending on the loan amount and repayment period)
  • No documents stamping
  • No processing fee
  • Fast Approval
  • Personal Care Insurance Protection

Customers must fit in the criteria to be eligible for the personal loan:

  • Individual Malaysian Citizen aged between 21 to 60 years old
  • Minimum income of RM30,000 per annum

Customers need to provide the bankers with the updated documents for loan application:

Employed customers:

  • Copy of NRIC (both sides)
  • Latest BE form with official tax receipt
  • Latest 3 months’ salary slips
  • Latest 6 months’ savings account activity/current account statements

Self-employed customers:

  • Copy of NRIC (both sides)
  • Latest BE Form with official tax receipt
  • Copies of Business Registration
  • Latest 6 months’ Bank Statements

Please also take note of the additional fees & charges for loan application:

  • No processing fees or stamping fees
  • Late payment Charges: 1%p.a on the amount in arrears, calculated from overdue date till date of full monthly payment
  • Early settlement fees: RM200 or a sum equivalent to 3% of the outstanding balance of the loan whichever is higher, only is settled within first half of the tenure

Customers who apply for financing will be briefed on the monthly repayment table to enable customers to plan their repayment well.

Repayment Table

maybank_loan_table

Sources:

http://www.personal-loan.my/maybank-personal-loan/116/

Public Bank Personal Loan – Year 2016

pb_logo

Public Bank Personal Loan

BAE Personal Financing-I

BAE Personal Financing-I (Personal Loan) is based on the concept of Bai Al-Inah which means a financing facility with the underlying buy and sell transactions between the financier and the customer. The concept is based on Shariah where the financier buys an asset from the customer on spot basis. The price paid by the financier constitutes the disbursement under the facility. Subsequently the asset is sold to the customer on a deferred-payment basis and the price is payable in installments.

The minimum loan payback is 2 years and the maximum will be 10 years. Based on the eligibility, customers who apply for the loan will be able to get loans from RM 5, 000 to RM 150, 000.To ease customers payment method, Public Bank will deduct the loan monthly payment directly from the customers salary.

Customers enjoy great benefits as Public Bank offers quick cash in hand up to RM 150,000 and a hassle-free payment from 2 to 10 Years, as it is automatically deducted from customers’ salary with special arrangement adjusted with the employer. Another important factor, there’s no guarantor required for loan application. Also if customers plan to terminate the loan by paying back the full amount, there is no early settlement fees for the personal loan. (please double check during the period of your loan application).

Here is a simple calculation when you borrow basing on the loan period, income and interest rate:

RM5000 – 150000 24 to 36 months min. RM24000 3.4%

RM5000 – 150000 48 to 120 months min. RM24000 4.99%

(Interest Rate / APRfrom 3.4% to 4.88%, depending loan amount and period)

Once the loan is approved, normally after a few working days, the borrowed funds will be transferred to the Public Bank account of your choice.

Charges

Once the loan is approved there is some additional charges customers must keep in mind such as processing fee RM100, stamp duty 0.5% of borrowed amount and late Penalty fee 1% of amount in arrears mode of payment. Further administration charges can be different according to the amount that you are borrowing and the type of Security Documents you need to provide. The loan includes Takaful Insurance policy which is linked to the loan when customers apply.

Requirements

In order to fulfill to customers convenience of personal financing with BAE Personal Financing-I(Personal Loan), Public Bank has a very transparent method in loan application. Customers who apply for the loan must be Malaysian citizen aged 20 years above and below 60 years with a permanent job of at least 1 year in service in any one of our approved branches or agencies.

Documentations

To apply for the loan, customers need to :

  1. make a copy of NRIC (front and back),
  2. latest 3 month’s salary slips or EPF statements,
  3. letter from employer confirming position and salary.
  4. Any additional documents; Public Bank representative will guide you during the application.
  • Repayment Table

Public-Bank-BAE-Repayment-table

Jadual Pembayaran Balik Bulanan Pinjaman Peribadi BAE-i

Jadual Pembayaran Balik Bulanan Pinjaman Peribadi BAE-i

download (1)

PERSONAL LOAN/PINJAMAN PERIBADI CIMB BANK – YEAR 2016

CIMB Personal Loan known as Cash Plus Personal Loan. It provide unsecured term loan for personal use.  It is a hassle free and convenient personal loan to fulfill your dream. There’s no any collaterals needed, no guarantor and flexible repayment period up to 5 years.

Advantages to take Personal Loan with CIMB Bank

  1. 100% cash on hand to customer. There’s no such thing like additional charges imposed to the loan amount.
  2. Flexible repayment period up to 5 years.
  3. Loan amount is offering from RM2,000 to a maximum RM100,000 with simple process.

Basic Requirement to Apply Personal Loan CIMB

  1. a Malaysian and only for individual applicant.
  2. He/She is aged between 21 years old – 58 years old
  3. Minimum Income (Basic + Fixed Income) are RM2,000 and above.

Documentations for Employed Customer

1.Salary Slip

  • For Fixed Income Earner (Basic + Fixed Income), minimum 1 month salary slip  together with latest EPF statement or latest bank statement shows salary crediting into bank.
  • For Variable Income Earner (Do not have monthly fixed income),minimum 3 months  salary slip together with latest 3 months EPF statement or latest 3 months bank statement shows salary crediting into bank.

2. Existing CIMB Payroll Customer (Salary credited into CIMB Bank)

  • Minimum latest 3 months bank statement shows salary credited with “AUTOPAYCR or “CREDIT ADVICE” transaction or any transfer from Company Name.

or

3. Latest 6 months EPF Record

or

4. Latest BE Form with LHDN Payment Receipt/ E-Filling Acknowledgement receipt.

or

5. Latest EA Form

Documentations for Self-Employed Customer

  1. For Private Limited Company
  • Business Registration details like Form 9 , 24 & 49, SSM Search, etc.
  • Latest 6 months business bank statement / latest borang B with LHDN payment receipt or E-filling acknowledgement receipt.

2. For Sole Prop/ Partnership/ Limited Liability Partnership/ Small Traders

  • Provide Trading License/ Partnership agreement/ SSM/ Professional Practising Certificate.
  • Latest 6 months business bank statement / latest 6 months personal bank statement(for sole prop/small traders only) / latest Borang B with LHDN payment receipt or e-filling acknowledgement receipt.

*Note: For own business Income, the self-employed must own at least 20% of the shareholdings including Partnership and Sdn Bhd.

Profit Rates

table4-1

Fees & Charges

  • There will be a Late Pay Penalty of 1% p.a. charges on the installments amount in arrears from overdue date.
  • There’s no Early Settlement Fees Charges.

How to Apply?

Please visit any of our branches or call our Customer Contact Centre (603 – 6204 7788). For Further informations, Please go to http://www.cimbbank.com.my/en/personal/products/loans/personal-loans/cash-plus-personal-loan.html

 

download

PERSONAL LOAN/PINJAMAN PERIBADI HONG LEONG BANK – YEAR 2016

PERSONAL LOAN OF HONG LEONG BANK YEAR 2016

Hong Leong Bank offers a personal loan which is calculated on a flat rate basis. Hong Leong Bank offers their Personal Loan to customer from a minimum RM5,000 to a maximum RM250,000 and the payback period ranges from 24 – 84 months depends to customer budgetary planning. it’s adjusted according to customer salary and budget.

Advantages to take Personal Loan with Hong Leong Bank

  1. Montly payback installments goes to a minimum RM133.33 only
  2. Approval/Result will know in 48 hours (subject to terms and conditions. Other terms and conditions apply.)
  3. not required any guarantor or collateral
  4. flexible payback ranges up to 5 years
  5. minimum salary for customer to apply is only RM24,000 per annum / RM2,000 per month

Schedule of Monthly Installement for 5 years

Untitled

Requirements

  1. Only for Citizens of Malaysia aged between 20 – 60 years old.
  2. Minimum Annual Income of RM24,000 per annum / RM2,000 per month

Documentations

  1. For Salary Earner, please prepare:
  • 3 months Latest Salary Slip
  • EPF Statement Latest 2 months
  • EA Forms in last 12 months\

2. For Self-Employer, please prepare:

  • Business Registration
  • 3 months Latest Company Bank Statement
  • Latest EPF Statement or B/Be Form

 

How to Apply?

Please visit any of our branches or call 1-800-38-8888. Further important information can go to https://www.hlb.com.my/main/info-centre/personal/loans/product/personal-loan#/section/terms-and-conditions

download (3)

Personal Loan/Pinjaman Peribadi Bank Islam – Year 2016

Bank Islam Personal Loan known as Personal Financing-i Facility. It provide secured or unsecured term financing to meet customer financial needs. It can be calculated as fixed rate or floating rate. The special of this Bank Islam Personal Financing-i Facility is it is applied with Syariah concept – “Tawarruq”.

Benefits to take Personal Loan with Bank Islam

  1.  a minimum loan of RM10,000 to maximum RM200,000 to be offer to customer. It can be more if secured with collateral. However, the final loan amount approved will be based on the bank’s credit evaluation.
  2. Flexible repayment back period can be 1 years to 10 years.
  3. Customer can choose either fixed rates or floating rates based on their favor.
  4.  There’s no guarator is required
  5. No deposit, processing fees and hidden charges.
  6. Competitive rate and fast approval.

Basic Requirement to apply Personal Financing-i Facility

  1. He/She must be a Malaysian.
  2. Applicant ages between 18 –  retired age
  3. Fixed salary with minimum of RM2,000 per month.
  4. Offer to Malaysian Public Sector employees only.

Documentations Requred

  1. Front & back of Identity Card (I/C)
  2. Latest 3 months salary slip
  3. Latest 3 months bank statement with salary credit account
  4. Latest 3 months EPF statement
  5. Employment confirmation letter (Offer Letter)

Profit Rates

1.Fixed Rates

  • from minimum 4.99% to 7.00% p.a. from 1 – 10 years

2.Floating Rates

  • Base Rate(3.90%) + 1.80% p.a. for 1- 3 years
  • Base Rate(3.90%) + 2.70% p.a. for 4-10 years

Repayment Table

bank islam schedule

How to Apply?

Please go to http://www.bankislam.com.my/home/ezxcess/ or any branches nearby for more information.