Category Archives: Bank Islam

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.

Bank Rakyat Mengumumkan Dividen Tunai Sebanyak 13% – Tahun 2016

Bank Rakyat, bank koperasi Islam terbesar di Malaysia telah mengumumkan dividen tunai sebanyak 13%, berjumlah RM385 juta bagi tahun kewangan berakhir 31 Disember, 2015 berbanding 15% pada 2014.

Bank tersebut mencatatkan keuntungan sebelum cukai dan zakat sebanyak RM2.01 bilion berbanding RM2.19 bilion dicatatkan pada 2014.

Semasa mengumumkan keputusan kewangan bank itu, Pengerusi Bank Rakyat Jeneral Tan Sri Datuk Seri Abdul Aziz Zainal berkata dividen tersebut diumumkan berdasarkan pengukuhan perolehan sebanyak RM6.43 bilion yang dicatatkan pada tahun lepas berbanding RM6.06 bilion yang diraih pada 2014.

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Dividen tersebut akan dibayar kepada ahlinya mulai esok.

“Dividen yang diumumkan bagi 2015 lebih rendah berbanding 15% pada tahun sebelumnya, tetapi 13% dianggap tinggi dengan keadaan ekonomi semasa.

“Namun, kami akan berusaha untuk meningkatkan pulangan dividen antara 13-16% pada masa depan,” kata Abdul Aziz kepada pemberita di sini hari ini.

Bank tersebut menyumbang 2% atau RM39.2 juta daripada keuntungan sebelum cukai dan zakat kepada Kumpulan Wang Amanah Pendidikan Koperasi dan 1% atau RM19.6 juta kepada Kumpulan Wang Amanah Pembangunan Koperasi.

“Kami berharap jumlah sumbangan bagi 2015, yang berjumlah RM58.80 juta, akan membantu sektor koperasi di negara ini,” katanya.

Abdul Aziz berkata baki pembiayaan kasar Bank Rakyat, tahun ke tahun, mencatatkan peningkatan sebanyak 3.8% atau RM2.36 bilion kepada RM64.46 bilion walaupun langkah ketat oleh pihak berkuasa untuk menangani petumbuhan hutang isi rumah.

“Pembiayaan kasar pengguna turut meningkat sebanyak RM2.87 bilion kepada RM59.58 bilion berbanding RM56.71 bilion pada 2014,” kata Abdul Aziz.

Jumlah deposit naik 3.6% atau RM2.46 bilion kepada RM70.98 bilion berbanding RM68.52 bilion dicatatkan pada 2014.
Jumlah aset meningkat 3.5%, tahun ke tahun, kepada RM92.40 bilion berbanding RM89.31 bilion dicatatkan pada 2014 sejajar dengan pertumbuhan ekonomi yang perlahan.

Abdul Aziz menyifatkan prestasi bank itu sebagai cemerlang berdasarkan tahun yang mencabar berikutan kesan daripada perkembangan dalaman dan luaran.

“Bagaimanapun, kami terus mengekalkan kedudukan kami sebagai bank koperasi Islam terbesar di negara ini dan menerajui institusi kewangan Islam dari segi keuntungan,” katanya.

Pinjaman Peribadi Bank Islam

Bank Islam Personal Financing-i Facility

Any Malaysian regardless or religion can open an account, invest and apply for banking facilities from Bank Islam. Bank Islam offers Personal Financing-I subject to a minimum of RM5,000.

Benefits customers will enjoy:

  • Competitive rate
  • No commitment fee
  • No hidden charges
  • No guarantor is required
  • No processing fee
  • Flexible financing tenure
  • Selling price – fixed and known
  • Fast approval

Customer Eligibility for Personal Financing-I

  • Applicant must be 18 years and up to retirement age or 70 years old (last entry age at 65 years old)
  • Malaysian citizen
  • Earning a minimum fixed income of RM1,500.00 per month
  • Salary earner or sole proprietorship/partnership
  • For sole proprietorship/partnership – minimum 2 years in business
  • Total deduction must not exceed 50% of gross salary or 75% inclusive of home financing

Margin of Financing:

  • Up to 100% if secured against fixed deposit
  • Up to 80% if secured against structured investment
  • Up to 60% if secured against unit trust

Payment Period for Personal Financing-I is secured against fixed deposit or structured investment:

  • Maximum of 5 years (60 months) with no age limit
  • Secured against unit trust
  • Maximum of 5 years (60 months) or up to the retirement age or up to 70 years old, whichever is earlier

Document needed for Salary Earner:

  • Photocopy of Identity Card
  • Latest payslip
  • Latest letter of confirmation from employer (salary earner)
  • Certificate of registration with Malaysian Medical Council or Malaysian Dental Council
  • And at least one (1) of these:
  • Latest income statement (Form B/eBE/ EA/EC); or
  • Latest 3 months Bank Statements of salary crediting account; or
  • Any other latest supporting document such as EPF statement, if required

Document needed for Sole Proprietor/Partnership:

  • Photocopy of identity card
  • Business Registration
  • Last 6 months current account statement
  • Latest Annual income statement (BE/B Form) with payment receipt
  • Last 2 years financial statement
  • Certificate of registration with Malaysian Medical Council or Malaysian Dental Council

Customers will be given the option in selecting the payment method to suit their payment style:

  • Salary Deduction
  • Salary Transfer to Bank Islam with Auto-debit Instruction
  • Auto-debit Instruction from other Banks (from salary credited account)

For Sole Proprietorship or Partnership:

  • Auto-debit Instruction from Bank Islam or other Banks (from salary credited/business account)
  • Standing instruction from current account linked to the Personal Cash Line-i

Just for the record, Bank Islam Malaysia Berhadis an Islamic bank that has been in operation since July 1983. The bank currently provides Shariah-compliant card services and mobile banking, in addition to traditional banking.

loanbankislam

 

http://www.personal-loan.my/bank-islam-personal-financing-i/95/