RM
year(s)
RM
- You Pay
- RM 89 /mth
- Profit Rate
- Total Profit Payable
- RM 70
- Total Payment
- RM 1,070
BSN MyRinggit-i (Perintis)
-
- Profit Rate
- 2.48% p.a. ~ 2.95% p.a.
-
- Max. Financing Amount
- RM 50,000
BSN Loan Calculator
More details
-
Features- Min. Financing Amount
- RM 5,000
- Max. Financing Amount
- RM 50,000
-
Eligibility & Required Documents- Age Requirement
- 18 - 60 years old
- Min. Monthly Salary
- RM 1,500
Other eligibility requirements
- Employment Requirement
- Received placement/ employment letter from state/ federal government under permanent employment term
-
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
- Wakalah Fee
- RM30
- 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
- Will Fee (if any)
- RM500
- Late Payment Charges (LPC)
- Late Payment Charges will be charged based on Ta’widh (Compensation).
- Insurance / Takaful (optional)
- May vary based on age, tenure & total loan / financing
Still unsure about which product best suits you?
Leave your details and our friendly agents will get back to you!
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
BSN MyRinggit-i (Perintis) is personal financing designed to cater to the financial needs of newly hired federal government employees, providing them with access to funds for various purposes.
View the frequently asked questions below for more information.
-
BSN MyRinggit-i (Perintis) personal financing works on the shariah principle of Tawarruq or Commodity Murabahah.
-
Eligibility requirements:
- Malaysian citizen
- Aged between 18 years old and not exceeding the retirement age or 60 years old at the end of financing tenure, whichever is earlier
- Placement or employment letter from state/federal government under permanent employment term
- Minimum gross monthly income of RM1,500
- BSN GIRO/i account holder
-
You can apply for the BSN MyRinggit-i (Perintis) personal financing online directly with iMoney using our online application form.
-
The maximum financing amount for the BSN MyRinggit-i (Perintis) personal financing is 20 times your monthly income or up to a maximum of RM50,000, whichever is lower.
-
The profit rate for the BSN MyRinggit-i (Perintis) personal financing is set by BSN at SBR + 2.87%.
-
Details on the processing fees are as follows:
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
-
The documents required are:
- A copy of NRIC (both sides)
- A copy of placement/ employment letter/ HRMIS
- Salary Deduction Form: BSN 09-D (0916)_B; and/ or
- Any other supporting documents as may deemed required by the approving authority
-
The financing period is a minimum of 1 year, to a maximum of 10 years.
Get free weekly money tips!
*Free of charge. Unsubscribe anytime.