Category Archives: Personal Loan


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



Public Bank Personal Loan – Year 2016


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.


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.


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.


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


Jadual Pembayaran Balik Bulanan Pinjaman Peribadi BAE-i

Jadual Pembayaran Balik Bulanan Pinjaman Peribadi BAE-i

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 or any branches nearby for more information.

3 Sebab Utama Yang Menyebabkan Permohonan Pinjaman Perumahan Tidak Dilulus

KUALA LUMPUR: Penolakan kelulusan pinjaman perumahan dijangka lebih tinggi tahun ini berbanding tahun lepas.

Penolakkan kelulusan pinjaman perumahan dijangka lebih tinggi tahun ini - Datuk Abdul Farid Alias

Penolakkan kelulusan pinjaman perumahan dijangka lebih tinggi tahun ini – Datuk Abdul Farid Alias

Presiden dan Ketua Pegawai Eksekutif Kumpulan Maybank, Datuk Abdul Farid Alias berkata menurut data Persatuan Perbankan Malaysia, pada 2015, sebanyak 456,000 permohonan dibuat bagi pinjaman perumahan

Daripada jumlah itu, 93,000 ataupun 20 peratus permohonan ditolak.

Tahun ini, setakat akhir Februari tahun ini, 20.6 peratus permohonan pinjaman perumahan tidak diluluskan.

Berikut adalah tiga sebab pemohonan pinjaman perumahan anda tidak diluluskan:

1. Nisbah kemampuan bayar balik hutang

Nisbah kemampuan bayar balik hutang ialah nisbah wang tunai yang ada dalam simpanan ke hutang khidmat untuk bayaran faedah, pokok dan pajakan.

Jika nisbah ini dilepasi, ini bermaksud terdapat banyak pinjaman di bawah nama pemohon dan pemohon mungkin tidak mampu membayar balik hutang.

2. Prestasi kredit yang kurang memuaskan

Pemohon dengan prestasi kredit yang kurang memuaskan selalunya mempunyai rekod perbankan yang tidak memuaskan.

Ini termasuk pembayaran hutang lewat lebih 90 hari dan kemuflisan.

Dokumentasi yang tidak menyokong pemohonan turut memainkan peranan yang penting dalam pinjaman perumahan.

3. Pendapatan yang tidak mencukupi
Pendapatan memainkan peranan yang penting dalam kelulusan pemohonan pinjaman perumahan.

Pada kebanyakan masa, pemohon tidak mempunyai pendapatan yang mencukupi untuk membayar balik hutang.

Walau bagaimanapun, kerajaan meneruskan usaha menyediakan rumah mampu milik untuk membantu masyarakat memiliki rumah pertama.