Personal Financing-i Private Sector (Selected Panel Companies Only) Maximum Financing of RM 150,000 to minimum financing of RM 2,000 Optional Takaful Coverage Minimum income of RM 2,000 depending on employment type From 15 to 25 times salary financing available Malaysian citizen 18 years and above Bank Rayat Personal Financing-i Swasta is the personal loan package that is catered for private sector professionals such as doctors, engineer, lawyer and public listed companies employees. This is a personal loan for private sector unlike typical loans from Bank Rakyat which is catered for public sectors. The loan is fully Islamic compliant while it is based on Tawarruq concept. What is Tawarruq Tawarruq is based in Islamic finance concept of buying and selling commodities. Financing-i Swasta is a partially unsecured loan collateral is not needed however a guarantor may be needed when required by bank as a form of security.

This loan offers from RM 2,000 up to RM 150,000 of financing. This amount of financing offered would a maximum of 5 times salary for those earning RM 2,000 to RM 4,000, 15 times salary for those who are earning RM 4,000 to RM 6,000 and 25 times salary for those who are earning above RM 6,000 per month. The payment type also effects the amount that you can borrow from Bank Rakyat. As a rule of thumb, reliable constant payment such as Employer Salary deduction scheme will enable you to borrow more. This means that borrower who opted for PGM or Salary Transfer scheme can enjoy higher financing amount. Payment options The repayment for the loan can be done via Bureau Angkasa scheme, salary auto deduction or cash. There are various ways to repay the loan. Shlem bogatirya svoimi rukami iz kartona.

Kalau refinance tapi tak layak dapat jumlah pinjaman mengikut harga semasa rumah, memang tak banyak lebihan yang dapat. Rumah di bank berdekatan rumah yang kita.