Cookies Information AM Bank uses small data files called cookies to offer you a better browsing experience. FIXED 1 to 10 years : 4.99% p.a. 2,000 All rights reserved. Online Banking. So the loan is not available for anyone working in the private sector. This unsecured Islamic personal loan charges zero processing fee upon approval and no penalty for early settlement. AmBank Islamic is more likely to approve your AmBank Islamic Personal Financing-i  application if you can show that you are managing your personal finances, rather than accumulating more debt. AmBank Islamic Personal Financing-i - For Government Servant AmBank Islamic Personal Financing-i An unsecured Islamic personal loan designed especially for government sector workers - start your repayments after the third month. Applicant must be between the age of 21 to 60 to qualify. AmBank. Cards. Arif Hire Purchase-i is a hire purchase agreement between a borrower (you) and a financier (the bank). If you have enough funds to pay off your personal financing off before its term has ended, you must inform AmBank Islamic with a 1-month notice in writing prior to the termination. In other words, your outstanding loan will be taken care of by the insurer. Setelah itu, AmBank Islamic akan memerlukan tempoh purata 2 hari bekerja (tidak termasuk Sabtu, Ahad, dan cuti umum) sebelum kelulusan atau pembayaran keluar dilakukan. FLOATING 1 to 3 years: Base Rate + 2.25% p.a. Credit Card. Whether you are going on a vacation, planning your wedding, decorating your home or even doing some much needed shopping, AM Bank … Jirnexu is an approved participant in the BNM Fintech Regulatory Sandbox. There will be no processing fee or no penalties for any early settlement but there will be a stamp duty fee as per Stamp Duty Act 1949 (Revised 1989). Approval from FSA 2013 would be required upon graduation from the sandbox. AmBank Personal Financing-i adalah salah satu daripada produk pembiayaan peribadi yang ditawarkan oleh AmBank Islamic. The one-time premium is calculated from the amount you borrow, the tenure of your loan and your age. The repayment terms are between 2 to 10 years. Cards; Deposits; Loans & Financing; Islamic; General Insurance; Life Insurance; Family Takaful; Wealth Management; Priority Banking; Business. 3 copies of MyKad (front and back) and certified true copy Take your business to a new level. The application process is quite fast and the approval duration is up to 2 business days. I'll need to ask you a few more questions to complete your application. Features: late payment fee on the outstanding balance, calculated daily! Applicant must not exceed the age of 60 at the end of the financing tenure.Applicant must be a Malaysian citizen or permanent resident working and residing in Malaysia with a minimum gross salary of RM2,000 per month.Takaful protection is compulsory.There is a rules that only allow customer to have only one credit facility at all times. AmBank Islamic's comprehensive range of Shariah-compliant retail and non-retail banking products and services (including investment, treasury and trade solutions), and delivery channels; continuously evolve in line with market changes. Tell me about AmBank Islamic Arif Hire Purchase-i. So, the profit rate is like business earnings from the fee and profit for assets purchase-and-resale. Deposits; Malaysia's Bank. © 2021 Jirnexu Sdn. If you are looking for an Islamic personal financing then your search is over because AmBank Islamic AmMoneyLine Facility-i is here to provide you an unsecured Islamic personal financing with Takaful protection for Malaysian citizens. The purpose of having a Takaful coverage is to protect you and your family members from the liability of loan repayment in the event of fatal or total permanent disability. Hurry! Whether you want to elevate your lifestyle or in need of cash to cover the unexpected expenses, AmBank Islamic AmMoneyLine Facility-i is your credit lifeline to fill in the necessary gap. There are three interest rates tiers where you can enjoy better inter… With a good credit score, you’ll likely be able to snag the most affordable profit rate. We will Continue to Serve You. The AmBank Group was established in 1975 and now has RM 131.7 billion in total assets. Loans & Financing. Assalamualaikum, Loan asb islamic ni bagus, utk bumiputera aje, asw n as1m yg open pun da penuh, gunekan klebihan OPM( Other People Moneys) dgn roll dividen yg dpat tuk tahun brikutnya, kalo loan 100k masih untung 1k, dgn syarat bukan bayar skaligus n dividen dsimpan dlm ASB. Small Business. 4 to 10 years: Base Rate + 3.15% p.a Bank Islam Personal Financing-i is a loan package that is offered for public sectors and selected GLCs only. AmInvest provides Islamic fund management solutions whilst family takaful products are offered by AmMetLife Takaful Berhad. Get latest promotions and freebies from Ambank Do a balance transfer with 4.99 p.a to your account for more cash in hand! Want to apply for personal loan/ personal financing? When you apply for AmBank Islamic CARz Platinum MasterCard-i. AmBank Retail Banking presents to you a variety of products catered to individuals’ needs. Select the best product that fits your requirements from the list of recommended personal financing products listed and click on the Apply button. Whether deposits, cards, or loans, you will find a perfect fit for you and your family. It is a concept widely used by Islamic financial institutions for ‘personal financing’ which is a commonly used term in Islamic banking instead of the term ‘personal loan’ as per conventional banks. Insurance. Pinjaman peribadi AmBank Islamic ini adalah pembiayaan yang ditawarkan kepada kakitangan sektor awam dan pekerja sektor swasta daripada syarikat-syarikat yang terpilih. By using our site, you accept our cookie policy. calculated as 0.5% of the total amount you borrow. If you have any overdue payments, you will need to settle off your payments, as it is a sign of high potential of not fulfilling the financial obligation to the banks. by your Head of Department. Use our personal financing calculator to find the best personal financing based on your requirements and eligibility. AmBank Islamic is ready to help you in fulfilling your dreams and achieving the success you desire with Personal Financing-i, a shariah-compliant Ambank Islamic product based on the concept of Murabahah tawarruq … It's Shariah-compliant based on Bai' Inah contract (sale and buyback), High payout up to 99.5% with competitive pricing, Unsecured: No guarantor or collateral required, Higher financing limits and longer as well as flexible repayment tenures, Non-force product bundling (hibah / wasiat). This product is Shariah compliant and is based on Tawarruq buy and sell concept. When you apply for AmBank Islamic Visa Signature Card-i. You must earn a minimum of RM1,500 every month. Priority Banking. statement where you want your loan to banked-in (front page with name and AmBank Islamic only charges you RM10 for the Letter of Approval. 2,000 AmBank Islamic Personal Financing-i can help you cover your immediate need for cash. AmBank Islamic Berhad is the Islamic banking arm of AmBank Group and offers a comprehensive range of Shariah compliant retail and non-retail banking products and services, including investment, treasury and trade solutions. Personal loans from Islamic banks in Malaysia are based by utilising the concept of Bai’ Al-‘Inah. 19 talking about this. Apply for AmBank Islamic AmMoneyLine Facility-i with loan approvals up to RM100,000. If you're late on your repayment by one month, AmBank Islamic will penalize you with 1% p.a. RM5,000 to RM200,000. for the whole period of borrowing, whereas for non-government applicants, you will be charged a flat and fixed profit rate of 7.90% p.a. 100,000, Your salary should be between KADAR PINJAMAN ASB YANG TERKINI. What is AmBank Islamic Home-i? Early settlement penalties: The fees that the borrower will have to pay in the event that he/she had settled the loan at an earlier date from the one specified on the loan agreement. Your Bank. Contact Centre: +603-2178 8888 ... PIDM’s DIS Brochure; AmBank’s List of Insured Deposits; AmBank Islamic’s List of Insured Deposits; Personal. It said on Wednesday the facility is for employees of the federal and state governments, selected agencies, government-linked companies (GLCs) and statutory bodies. Based on the Shariah concept of Tawarruq, our Home/ Property Financing-i offers you variable rate home/ property financing solutions. Get latest promotions and freebies from Ambank Do a balance transfer with 4.99 p.a to your account for more cash in hand! At the heart of the group is AMMB Holdings Berhad (AmBank), publicly listed on Bursa Malaysia’s Main Board. • For Cash Out Program, funds will be deposited to customer’s individual AmBank/AmBank Islamic Current or Savings Account/-i. Click here to join the AmBank BizRac e now.. order to ensure a successful personal financing application, you have to provide supporting personal and income documents as follows: Depending on your credit history with other financial institutions because all these information (outstanding credit card, personal loan, home loan or car loan debts) will be captured in CCRIS / CTOS (a system that collect credit information on borrowers, not blacklisting them). Federal and State Government and selected Statutory Bodies, who have been in Wealth Management. Please complete the fields below and we will be in touch! Apply now For Government Servant account number). with Takaful protection included. Income RM5,000 to RM8,000 RM8,000 to RM10,000 RM10,000 and above If you are planning to apply for the AmBank Islamic AmMoneyLine Facility-i, you will need to ensure that you have a good credit record (CTOS/CCRIS). On top of that, AmBank Islamic AmMoneyLine Facility-i offers you financing tenure of minimum 1 year up to maximum 5 years. Being Shariah compliant means the loan does not have fixed or floating interest rates or fees (also known as riba, or usury) for the loan of money. • Disbursement is strictly to active and first party account only. Haven't received my message yet? Submission closes 3 September 2020. Those working in the government-linked companies and private sector too can apply for this Islamic personal loan but will not be enjoying a low profit rate. Your amount should be between Credit Cards; Debit Cards; Corporate Credit Card; Cards Deals & Promotions; AmBank Merchant Business Solutions ... AmBank Islamic; PIDM’s DIS Brochure; AmBank’s List of Insured Deposits ; AmBank Islamic’s List of Insured Deposits; e-Banking. You can borrow amounts from RM2,000 to RM100,000 and repay the loan over 1 to 5 years. You are required to prepare documents like a clear copy of your NRIC (front and back), latest 1 month salary slip for fixed monthly salary OR latest 3 months salary slips for varied monthly salary, latest EA form, latest 6 months bank statements. Contact AmBank Islamic. • For Debts Consolidation Program, funds will be directly payoff to required credit cards or loan/financing account. There are several reasons you might want to pay attention when applying to AmBank Islamic Personal Financing-i: In It … Get latest promotions and freebies from Ambank Do a balance transfer with 4.99 p.a to your account for more cash in hand! Subject to credit check and approval, you can borrow any amount between All customers can perform daily transactions, payments, transfers and investments via the following channels: AmOnline Web or mobile app, AmAccess Biz, AmAccess Corp and e-AmBiz – all available 24/7 When you apply for AmBank Islamic Card Al-Taslif MasterCard Gold Card-i. The financing tool uses the concept of Bai’ Al-‘Inah, making it Shariah compliant. The profit rate for this Islamic mortgage is variable, which means it is tied to the fluctuation of AmBank Islamic's Base Rate, however it is capped at the ceiling profit rate of 9.99%. Car Loan; Personal Financing; AmMoneyLine; Home Loan; Cards . Since you are required to set up a salary deduction method via Biro Perkidmatan Angkasa to pay for your personal financing, a 2% auto deduction fee will be added on top of your monthly instalment. You can find out if your company is listed under AmBank Islamic Personal Financing-i here. AmMoneyLine (Conventional), AmMoneyLine Facility-i (Islamic) and Personal Financing-i (Islamic) are all fixed rate, unsecured personal loans that can help you finance any personal needs. ~ 11.99% p.a. Personal Loan The loan that is tailored to your needs. 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. ... All your banking questions about credit cards, debit cards, personal loans, home loans, car loans, savings, and investment are answered in our comprehensive articles. Enjoy one of the lowest market rates for housing loan at 3.99% from AmBank. You can start repaying your personal financing after the third month of borrowing. ASB-i Financing Ambank islamic, credit card Deposits. It is fully complying with Shariah requirements based on the concept of Murabahah Tawarruq (MTQ). Bhd. The case in Malaysia particularly for the islamic personal loans don require the need for a collateral. 1 copy of your Saving Account Passbook or Current Account Get high approved amount and loan tenure up to 35 years. service with the Government for at least 3 months. Assuming you have poor credit standing due to irregular payments, the best course of action would be to break the habit and start making your payments on time to avoid future hurdles. There are no processing fees, lock-in periods or early settlement fees. and There is no penalty for early repayment, in fact, you should receive an Ibra’ (rebate). Flat profit rate starts from 8.00% p.a. Home-i is an Islamic semi-flexi loan that is based on the concept of Tawarruq. In order to apply for a new financing, the customer needs to fully settle the existing one. AmBank Islamic's Personal Financing-i is an excellent way of financing a planned or unplanned event to tide you over, with competitive profits rates available in the market. AmBank Islamic personal financing is open to permanent employees of I agree to be contacted by RinggitPlus via WhatsApp regarding my application, Alliance Bank CashVantage Personal Financing-i, Standard Chartered CashOne Debt Consolidation Plan, Bank Islam Flat Rate Personal Financing-i Package, Bank Islam Floating Rate Personal Financing-i Package, Yayasan Ihsan Rakyat Personal Financing-i, Bank Islam Personal Financing-i Non-Package, Bank Islam Personal Financing-i Medical Practitioner, Bank Rakyat Personal Financing-i for Pensioner, AmBank Islamic Personal Financing-i Product Disclosure Sheet, Best Free Airport Lounge Access Credit Cards, Guide to Buying Your First Insurance Plan. AmBank Islamic Al-Taslif Visa Platinum Card-i Earn up to 2X reward points, enjoy dining and hotel privileges, and get free travel insurance Profit Rate 15.0% p.a You must consistently service your monthly installment until the end of this Islamic personal loan tenure. Islamic personal loans, also known as an Islamic personal financing, is issued by Islamic banks in Malaysia. and 200,000. Anda perlu mengemukakan dokumen berikut bagi permohonan pembiayaan anda: 3 salinan Kad Pengenalan (depan & belakang) yang disahkan oleh Ketua Jabatan semasa anda. An Islamic personal loan is where the bank buys an asset on behalf of the borrower and selling it at a profit - this profit rate replaces the interest rate (used by conventional loans) as Islamic loans are prohibited from charging interest (Riba). How Does An Islamic Personal Loan Work? UALA LUMPUR: AmBank Islamic has introduced a special financing facility – Personal Financing-i - a Shariah-compliant financing facility offering financing amount of up to RM200,000. 8% p.a. No guarantor or collateral is required in order to proceed with this application, therefore all you need to apply for this personal financing is a minimum monthly income of RM2,000 and to be at least 21 to 60 years old. 2 copies of certified true copy by Head of Department for each payslip or 3 copies for e-pay slip. Takaful plan is required to cover for this Islamic personal loan, which will be underwritten by AmMetLife Takaful Berhad. In addition, you are also required to pay Government Stamp Duty, which is Open WhatsApp now, How much the bank charges you based on your loan amount & loan period. For government employees, you will enjoy a low and flat profit rate of 4.08% p.a. AmBank Personal Loan The AmBank Group is one of the largest financial institutions in Malaysia and a reputed key financial solution provider. Your monthly installment will consist of a principal amount plus profit charges for the month. You will be able to enjoy a flat profit rate of 8.00% up to 11.99% per annum but this is subject to credit review by AmBank Islamic. Banks in Malaysia particularly for the month profit rate MasterCard Gold Card-i products listed and click the! For more cash in hand, your salary ambank islamic personal loan be between the of! Our Home/ Property financing solutions as an Islamic personal loans, you receive... There is no penalty for early repayment, in fact, you receive. Case in Malaysia particularly for the Letter of approval salah satu daripada produk pembiayaan peribadi ditawarkan. There are ambank islamic personal loan processing fees, lock-in periods or early settlement it is fully complying with requirements. 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