RM
year(s)
RM
- You Pay
- RM 89 /mth
- Profit Rate
- Total Profit Payable
- RM 70
- Total Payment
- RM 1,070
BSN MyRinggit-i (Hajj, Umrah & Pilgrimage)
-
- Profit Rate
- 2.91% p.a. ~ 3.19% p.a.
-
- Max. Financing Amount
- RM 400,000
BSN Loan Calculator
More details
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Features- Min. Financing Amount
- RM 10,000
- Max. Financing Amount
- RM 400,000
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Eligibility & Required Documents- Age Requirement
- 18 - 65 years old
- Min. Monthly Salary
- RM 1,500
Other eligibility requirements
- Employment Requirement
- Works in government or public sector
- Employment Requirement
- Permanent or contract / temporary employee
-
Fees and charges- Processing Fees
- No processing fees
- Stamp Duty
- As per the Stamp Duty Act 1949 (Revised 1989)
Other fees and charges
- Perlindungan Tunai-i (optional)
- RM318
- Request of certified true copy (CTC) of security documents
- RM45 (per request) *Note: Mandated product is exempted
- Issuance of yearly financing statement
- RM10 (per request)*Note: Mandated product is exempted
- Insurance / Takaful (optional)
- May vary based on age, tenure & total loan / financing.
- Will Fee (if any)
- RM500
- Late Payment Charges (LPC)
- Late Payment Charges will be charged based on Ta’widh (Compensation).
- Wakalah Fee
- RM30
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How do you apply for a personal financing online?
Step 1
Use our personal financing calculator to find the best personal financing based on your requirements and eligibility.
Step 2
Select the best product that fits your requirements from the list of recommended personal financing products listed and click on the Apply button.
Step 3
Fill in a form with your details to be submitted for application, and a representative from iMoney or the bank will call you to process the application.
Read more about Islamic Personal Financing
More details about the product
The BSN MyRinggit-i (Hajj, Umrah & Pilgrimage) personal financing is specifically designed to assist individuals in financing their Hajj, Umrah, and pilgrimage journeys.
For more details, you can go through the frequently asked questions below.
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BSN MyRinggit-i (Hajj, Umrah & Pilgrimage) personal financing works on the shariah principle of Tawarruq or Commodity Murabahah.
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The eligibility requirements:
- Malaysian citizen aged 18 years old to 65 years old
- Works in government or public sector
- Minimum income of RM1,500 per month
- Permanent or contract / temporary employee
- Is travelling with the following participating agencies:
- Felda Travel Sdn. Bhd.
- Andalusia Travel & Tour Sdn. Bhd.
- Fa Izin International Travel Sdn. Bhd.
- Maqbul Travel Sdn. Bhd.
- Mahabbaten Travel Sdn. Bhd.
- Labbaik Travel Sdn. Bhd.
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The maximum financing amount for the BSN MyRinggit-i (Hajj, Umrah & Pilgrimage) is RM400,000.
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The repayment period is a minimum of 1 year, to a maximum of 10 years.
-
Financing Information:
Floating Rate
Profit Rate
SBR + 2.65% to SBR + 5.85%
Profit Rate without Takaful
Additional 1% from the above profit rate
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Fees associated with the BSN MyRinggit-i personal financing:
Fee
Amount
Stamp Duty
As per the Stamp Act 1949 (Revised 1989)
Takaful contribution coverage (optional)
May vary based on age / tenure / financing amount
Advance payment
Maximum equivalent to two (2) months of monthly instalment
Wasiat Fee (if any)
RM500
Bank’s appointment as Purchase/Sale Agent
RM30 will be deducted from financing amount upon disbursement to the customer
Ikhlas Group PA Takaful (optional)
RM530
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Interested individuals can apply online either through the iMoney online application form.
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