PERSONAL LOAN

PERSONAL LOAN

Provides you the financial needs be it for personal or for business purpose with low monthly instalments, flexible financing tenure and profit rate as low as 6.88%* p.a (flat rate basis).

What are the BENEFITS?

  1. Monthly instalments from as LOW as RM97**
  2. FLEXIBLE financing tenure up to 7 years
  3. NO Processing Fee
  4. WAIVED of Early Settlement Fee
  5. FAST Approval
  6. NO guarantor or collateral required
  7. EASY Repayment via IBG
  8. CASHVANTAGE BALANCE REFINANCING

Consolidate up to a maximum of 4 Credit Cards and/or Personal Financing commitments into ONE single monthly installment.

* Terms and conditions apply.
** Monthly instalment of RM97 is based on financing amount of RM5,000 and a tenure of 7 years at 8.88% p.a. (flat rate basis).

WHO CAN APPLY?

  • Malaysians and permanent residents working and residing in Malaysia only.
  • Malaysians working in Singapore, but residing in Malaysia will be considered.
  • Age requirement:
    • minimum 21 years old
    • maximum 60 years old (upon maturity of Facility)
  • Income requirement: minimum gross monthly income of RM3,000 or RM36,000 per annum.

A) SALARIED EMPLOYEE

 Type of Document

Documents Required for 

MNC/PLC

Non-MNC/PLC

1

Copy of MyKad (Front & Back) * AND

Y

 

2

Disbursement Account particulars* (refer below) AND ONE of the following documents below:

Y

 

3

Latest 1 month pay slip (fixed)/3 months pay slip (variable)

EitherONE 
(of item
3-6) 

 

4

Latest EA Form

 

5

Latest 6 months EPF statement

 

6

Latest BE Form together with validated payment slip/receipt

 

 

1

Copy of MyKad (Front & Back) * AND

 

Y

2

Disbursement Account particulars* (refer below) AND 

 

Y

3

Latest 3 months payslips

 


Either ONE (of Item 3-5) 
 

4

Latest 6 months EPF statement

 

5

Latest BE Form together with validated payment slip/receipt to LHDN

 

B) SELF-EMPLOYED

Self-Employed 

Documents Required for Sole Proprietor/Partnership   

1

Copy of MyKad (Front & Back) * AND  

Y

2

Disbursement Account particulars* (refer below) AND   

Y

3

Copy of current and valid Business Registration Card* (business MUST be at least 2 years) AND

Y

4

Latest 6 months pay slip

Either ONE
(of item 4-7)

5

Latest 6 months company's principal bank statement reflecting business turnover

6

Latest 6 months EPF statement

7

Latest B Form together with validated payment slip/receipt to LHDN

 

C) COMMISSION EARNER

Commission Earner 

Documents Required for Agent/Sales 

1

Copy of MyKad (Front & Back) * AND  

Y

2

Disbursement Account particulars* (refer below) AND   

Y

3

Latest 6 months commission statement/payment voucher verified against bank statements

Either ONE
(of item 3-5)

4

Latest EA Form

5

Latest B Form together with validated payment slip/receipt to LHDN

Note: Please provide copy of Bank Statement/Passbook (first page) of Disbursement Account with Applicant’s sole name.
* are mandatory documents required from the Bank

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