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Loan Guidelines

Listed below are loan information that you might find helpful.


If you have any further doubts, do not worry. I will be more than happy to help you out.

Individual Purchase
  • Mykad
  • Driving License
  • Three (3) months latest Salary Slips
  • Three (3) months latest bank statement
  • Employment Provident Fund (EPF) Statement
  • Offer Letter / Appointment Letter (if required)
Company Purchase

Enterprise / Sole Proprietor


Required Documents :

  • Mykad
  • Driving License
  • Three (3) months latest bank statement
  • Form B, Form D, Form J

Sendirian Berhad


Required Documents :

  • Mykad (All Directors)
  • Driving License (1 of Directors)
  • Mergers & acquisitions (M&A)
  • Three (3) or Six (6) months Bank Statement
  • Company Resolution
  • Form 24 & Form 49
Graduate Scheme Bank Islam

Vehicle Financing-i GradHitz is based on Murabahah (Murabahah to the Purchase Orderer “MPO”), Customer can enjoy 100% financing at a really affordable rate as well as our flexible repayment period.


Features


Margin of Financing : Up to 100% of the OTR price for national, non-national, and unregistered reconditioned models.


Financing Tenure : Up to 9 years Financing


Rate Vehicles Rates


- National Vehicles : From 3.00% to 3.60% per annum

- Non National Vehicles : From 2.90% to 3.35% per annum


Eligibility


  • Age of applicant between 20-30 years old
  • Shall be a graduate with a minimum qualification of Diploma from accredited universities/higher learning institutions
  • Status of employment shall be on permanent or contract basis for an employee in any of the following:-
  • Government and Semi Government sector
  • Selected Public Listed Companies
  • Government Link Companies (GLC)
  • Other prominent Private Limited Companies as categorized under package companies listed by Bank Islam
  • Fixed income earner

Documents Required

  • Photocopy of Identity Card (front and back)
  • Photocopy of Valid Driving License
  • Photocopy of Scroll or Transcript
  • Photocopy of Latest 3 months Salary Slip; and
  • Copies of latest 3 months Bank Statement (Salary Crediting Account); or
  • Latest EPF Statements/EA Forms
  • Other Supporting Documents as may deemed necessary and acceptable by the Bank for additional income
Government Employees

Features

  • Competitive Rates
  • No guarantor
  • Profit margin of up to 100%
  • Fast approval
  • Financing period of up to 9 years
  • Malaysian citizen
  • Minimum age of 18 years and maximum 55 years old at the end of the financing tenure
  • Minimum monthly fixed income of RM 1,500
  • Minimum of six (6) months of employment

Interest Rates

  • 3.05% - 3.20% (Proton & Perodua)

Required Documents

  • Mykad
  • Driving License
  • Three (3) months latest payslip
  • Three (3) months latest bank statement
  • Confirmation letter from employer

Charge & Fee

  • Agreement legal fees : RM 212 – RM 265
  • Stamp duty :RM 10.00

Installment Method :

  • Biro Perkhidmatan Angkasa (BPA)
  • Potongan Gaji Majikan (PGM)
  • Cash
  • Post Dated Cheque (PDC)
  • Standing Instruction (SI)
Expatriat / Foreigner

Benefits

  • Margin Financing up to 70%
  • Tenure up to 108 months

Applicant

  • National Registration Identity Card
  • International Driving License
  • Passport and employment / Contract Letter
  • Latest 2 months' Salary Slips /vouchers

Malaysian Guarantor

  • MyKad
  • Driving License
  • Latest Three Months Salary Slip
  • Latest Three months Bank Statement
  • EA Statement OR EPF Statement
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