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Bank dan Koperasi

Personal Loan bank dan koperasi kakitangan kerajaan.

Bank Simpanan Nasional (BSN) Personal Financing Loan / Pinjaman Peribadi BSN

bsn personal loan pinjaman peribadi

Get the funds you need quickly with a personal loan. Our personal loans are affordable and flexible - specially cater to your needs.

1) Personal Loan: ASB Loan (SPD ASB) With Floating Rate

ASB Loan is another form of term loan to purchase ASB unit trust.

Product Eligibility

»  All qualified ASB investors under the ASNB guidelines.
»  Aged 18 to 60 years old at the end of the loan tenure.
»  Permanent Employee or Self-employed.

Document Required

»  For Permanent Employee :
-  One (1) copy of NRIC (front and back).
-  One (1) copy of ASB passbook.
-  One (1) copy of latest two (2) months pay slip.

»  For Self-Employed :
-  One (1) copy of NRIC (front and back).
-  One (1) copy of ASB passbook.
-  One (1) copy of latest three (3) months bank statement.

Note : All document copies to be certified by BSN’s officer. 

Loan Limit/ Amounts

Loan amount will be in multiple of RM1, 000 and subject to the following limit :

Minimum Maximum
RM10,000 RM200,000
(Excluding other charges) 


Financing Rates

Tenure Interest Rate
5 – 30 years or
subject to the maximum age of
60 years whichever is earlier. 

»  BLR -1.65%
Government’s servant who owns BSN’s salary account. (Installment through Standing Instruction)

 »  BLR – 1.60%
Other categories of customer
(Private or Government sector)

 Late Payment Charge

»  Monthly installments in Arrears × 1% × Number of Days Overdue  / 365

2) Personal Loan Executive-1

An exclusive personal loan package catered especially for executives.

Applicant Eligibility

»  Malaysian citizen.
»  Aged 21 to 55 / 60* years old at the end of the loan tenure.
»  Open to permanent & contract officers and staff that have minimum three (3) years of working
experience.
»  Offered only to Employees of Premier Developer Panel, Private Hospital, Telecommunication
Company,Licensed Financial Institution, Multinational Company, PETRONAS Group of
Companies, Selected Private University & College, Statutory Body, Government Link Company,
Selected Public Listed Company in Main Market Bursa Malaysia (Financial, Plantation,Property,
Technology,Trading / Service, Industrial Product, Consumer Sectors only) and Professionals
(Doctor, Architect, Lawyer, Accountant and other certified Professionals).
»  Minimum gross income of RM3,000 per month (permanent staff) & RM10,000
per month (contract staff).
»  BSN GIRO / GIRO-i Account holders.

Note:

»  *Subject to employer confirmation.

Documents Required

»  A copy of latest three (3) months Salary Slips;
»  A copy of your NRIC (both sides);
»  Latest EPF Statement; AND
»  Confirmation Letter by Employer stating the below:
-  Name and NRIC
-  Designation and Employment Status 
-  Monthly salary
-  Date of Employment
OR
Latest EA / EC Statement and latest e-filing form or any verified documents by the Inland Revenue Board (LHDN).

 Note: 

»  *Subject to the current Terms & Conditions.

Product Features

»  Mode of payment is via:

  1. Standing Instruction from other Financial Institutions where the customer salary account is credited.
  2. BSN Standing Instruction.
  3. ATM/CDM.
  4. IBG (Interbank Giro).

Loan Limit / Rate

No Income Interest Rate Loan Limit Tenure
1 RM3,000 to RM5,000 7.50% Five (5) times of monthly gross income

Minimum: 2 years

Maximum: 10 years

2 > RM5,000 to RM10,000 6.50% Seven (7) times of monthly gross income
3 > RM10,000 5.50% Ten (10) times of monthly gross income / maximum RM200,000 whichever is lower

Minimum Loan: RM10,000

Late Payment Charge

»  Monthly Instalments in Arrears  ×  1%  ×  Number Of Days Overdue  ⁄  365.

 Calculate your monthly repayment. Click here.

3) Exec-1 Loan with Floating Rate

An exclusive personal loan package offered only to employees of Premier Developer Panel, Private Hospital, Telecommunication Company, Licensed Financial Institution, Multinational Company, PETRONAS Group of Companies, selected Private University & College, Statutory Body, Government Link Company, selected Public Listed Company in Main Market Bursa Malaysia (Financial, Plantation, Property, Technology, Trading / Service, Industrial Product, Consumer Sectors only) and Professional (Doctor, Architect, Lawyer, Accountant, and other certified Professionals).

Product Eligibility

»  Malaysian citizen.
»  Aged 21 to 55 / 60* years old (subject to the retirement age).
»  Open to Executive and above that has been employed ≥ 1 year.
»  Minimum Gross Income:
-  RM3,000 and above - Permanent Employee
-  RM10,000 and above - Contract Employee
»  BSN GIRO / GIRO-i account holder.

 Note:

»  *Subject to employer confirmation.

Documents Required

»  One (1) copy of NRIC (front and back);
»  One (1) copy of latest three (3) months pay slip;
»  Latest EPF statement; AND
»  Confirmation Letter by Employer stating the below :
-  Name
-  NRIC
-  Designation
-  Monthly Salary
-  Date of Employment

OR

Latest one (1) year EA / EC statement and e-filing form or any verified documents by the Inland Revenue Board (LHDN).

 Note: 

»  All document copies to be certified by BSN’s officer.

Loan Limit (Minimum and Maximum)

Minimum : RM5,000

Maximum :

No. Income Loan Limit
1. RM3,000 to ≤ RM5,000 Five (5) times of monthly gross income
2. > RM5,000 to ≤ RM10,000 Seven (7) times of monthly gross income
3. > RM10,000 Ten (10) times of monthly gross income / maximum RM200,000 whichever is lower


Financing Rates

Tenure Interest Rate

Minimum  : 2 years
Maximum : 10 years 

subject to :
i. The retirement age, whichever is earlier.
ii. Customer qualification 


BLR + 2% (monthly basis)

Current BLR : 6.85% (effective as at 22nd July 2014)


Late Payment Charge

»  Monthly installments in Arrears × 1% × Number of Days Overdue  / 365.

4) SPD ATM (Personal Loan for Army/ Tentera)

Offer exclusively to Malaysian Armed Force Personnel.

»  Malaysian citizen.
»  Aged 21 to ≤ 60 years old (subject to retirement age during completion of the loan).
»  Malaysian Armed Force (MAF) staff - Lieutenant or equivalent and above only.
»  Permanent employee who has been employed for ≥3 months.
»  Minimum gross income (basic salary + fixed allowance) of RM3,000 per month.
»  Monthly salary payment MUST be through BSN e-Payment System.
»  BSN GIRO / GIRO-i account holder.

Document Required

»  A certified copy of latest 2 months salary slips.
»  A certified copy of your NRIC (both sides).
»  Confirmation letter from your employer with the below details:
-  Name / NRIC No.
-  Designation / Status
-  Monthly Gross Income
-  Date of Employment
-  Date of Retirement / Tarikh Tamat Perkhidmatan (TTP).
»  Letter of Consent and Undertaking for Salary Account Deduction.
»  Proof of having GIRO / GIRO-i account.

 Loan Limit Min. and Max.

Minimum Maximum
RM5,000 RM200,000


Financing Rates

Loan Period Interest Rate
1 – 10 years 4.50%

»  The rate on the principal balance of the Facility shall be changed to the Default Rate (6.50%) if you commit any of the following events :
–  early retirement from MAF services;
–  quit or resign from MAF services;
–  terminated by MAF;
–  change BSN Salary Account to other bank or financial institutions;
–  fail to pay any of the Instalments in accordance with the repayment schedule as stipulated by the Bank.
»   Default Rate (6.50%) will remain unchanged until end of the loan tenure.

»  Calculate your monthly repayment. Click here.

Charge (Late Payment)

»  Monthly Installments in Arrears  ×  1%  ×  Number Of Days Overdue  ⁄  365.

 *source from BSN bank malaysia website

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