RM
year(s)
RM
- You Pay
- RM 89 /mth
- Profit Rate
- Total Profit Payable
- RM 70
- Total Payment
- RM 1,070
BSN MyRinggit-i (Postgraduate)
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- Profit Rate
- 3.01% p.a. ~ 3.14% p.a.
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- Max. Financing Amount
- RM 50,000
BSN Loan Calculator
More details
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Features- Min. Financing Amount
- RM 5,000
- Max. Financing Amount
- RM 50,000
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Eligibility & Required Documents- Age Requirement
- 18 - 65 years old
- Min. Monthly Salary
- RM 1,500
Other eligibility requirements
- Employment Requirement
- Postgraduate students who are currently working as a full-time federal government employees.
- Employment Requirement
- Contract / temporary employee (over 12 months' service)
- Employment Requirement
- Permanent employee who has been employed for 3 months and above
- Employment Requirement
- Works in government sector / GLA / GLC
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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
- Will Fee (if any)
- RM500
- Late Payment Charges (LPC)
- Late Payment Charges will be charged based on Ta’widh (Compensation).
- 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.
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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 (Postgraduate) is personal financing specifically tailored for individuals pursuing postgraduate studies. This personal financing product aims to provide financial support to those who are seeking higher education opportunities.
You can view the frequently asked questions below for more details.
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BSN MyRinggit-i (Postgraduate) personal financing is based on the shariah concept of Tawarruq or Commodity Murabahah.
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The eligibility criteria for the BSN MyRinggit-i (Postgraduate) personal financing are:
- Malaysian citizen
- Aged between 18 - 60 years old.
- Working in the government sector / GLA / GLC who has been employed for 3 months and above (for permanent staff) or over 12 months for contract / temporary staff.
- Minimum income of RM1,500
- BSN GIRO/i account holder
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The profit rate is as follows
Floating Rate
Profit Rate
SBR + 2.70%
Profit Rate without Takaful
Additional 1% from the above profit rate
Financing Limit
Minimum: RM5,000
Maximum: RM50,000
Financing Tenure
Minimum: 1 year
Maximum: 10 years
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The charges associated with the BSN MyRinggit-i (Postgraduate) personal financing are:
Stamp Duty
As per the Stamp Act 1949 (Revised 1989)
Insurance (optional)
Varies based on financing amount and borrower’s age
Advance payment
Maximum equivalent to two (2) months of monthly instalment
Wasiat Fee (if any)
RM500
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The maximum financing amount is RM50,000.
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The financing term is from 1 year up to a maximum of 10 years.
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No, the BSN MyRinggit-i (Postgraduate) personal financing does not require collateral or a guarantor.
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Yes, you can apply for the BSN MyRinggit-i (Postgraduate) personal financing online directly with iMoney using our online application form.
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