Yayasan Ihsan Rakyat Personal Financing-i
Min. interest rate6.65% p.a.
Max. Loan amountRM 300,000
Max. Tenure10 years
Min. interest rate6.65% p.a.
Max. Loan amountRM 300,000
Max. Tenure10 years
Shariah-compliant financing for Malaysian civil servants with profit rates as low as 6.65% per annum and a high financing limit of up to RM300,000.
Calculate your monthly repayment
*Profit rate, monthly repayment, and total repayment amount displayed are estimates for illustrative purposes only. The actual financing terms, including the approved amount, and final profits are subject to assessment and approval by the lending party.
Fees and Charges
Profits RateAs low as 6.65% p.a.**Subject to terms and conditions
Stamp Duty
0.50%0.50% of the total amount
Processing Fee
Exempted
Late Payment Fee
1.00% on such overdue amount
Early Termination Fee
RM 100.00
Eligibility
Min. IncomeRM 1,500per monthRM 18,000 per year
Who Can Apply?Malaysian citizens20 - 58 years old
Employment Status
- Government employee
Documents required to apply
- A copy of your IC (both sides)
- Latest 3 months salary slip
- Latest 3 months bank statement (with salary being credited)
- Letter of employment or employer confirmation
- Option letter (if applicable)
- Transfer letter/secondment letter (if applicable)
- Settlement statement (if applicable)
Loan Repayment Table
| Financing Amount | Financing Tenure | Min. Income | Profits Rate |
|---|---|---|---|
| RM 3,000 - RM 300,000 | 12 - 120 months | min. RM 18,000 | 6.65% p.a. - 9.99% p.a. |