personal loan analysis

Tarikh:- 14 Ogos 2013No Bank Produk1 Alliance Islamic Bank Berhad Pembiayaan Peribadi Islam2 Bank Rakyat Pembiayaan Peribadi-i Swasta3 BSN4 BSN5 BSN6 BSN7 BSN8 BSN9 Affin Islamic Bank Berhad Personal Financing-i10 Al Rajhi Bank Personal Financing-i11 Alliance Islamic Bank Personal Financing-i12 AmIslamic Bank Berhad13 Maybank Islamic Berhad Maybank Islamic Personal Financing-i14 Kuwait Finance House (Malaysia) Berhad Personal Financing-i Government Sector15 Hong Leong Personal Loan16 HSBC Amanah Malaysia Berhad Anytime Money Personal Financing-i17 CIMB Islamic Bank Berhad Cash Plus Financing-i 18 CIMB Islamic Bank Berhad Cash Plus Financing-i 19 Bank Muamalat Malaysia Berhad Personal Financing-i- Selected Organizations Staff20 Bank Islam Personal Financing-i- Package21 Bank Islam Personal Financing-i- Package22 Bank Islam Personal Financing-i- Non Package23 Asian Finance Bank Berhad24 OCBC Al-Amin Bank Berhad25 Public Islamic Bank Berhad BAE Personal Financing-i26 Standard Chartered Saadiq Berhad Personal Financing-i27 RHB Islamic Bank Berhad Personal Financing-i for Private

Jumlah Pinjaman Interest Tempoh Ada Takaful Perlu Penjamin/Pajakan 30,000 7 Ya Tidak 20,000 8.68 10 Ya Tidak 20,000 6.50 5 25,000 6.50 5 60,000 6.50 10 40,000 6.50 10 25,000 6.50 10 20,000 6.50 10

7 Ya Tidak 20,000 5

10.38

25,000 10.00 6 Tidak

20,000 5 Tidak 20,000 11.50 5 Ya Tidak 20,000 13.38 5 Ya Tidak 25,000 9.88 5 Ya Tidak

20,000 4.99 10 Ya Tidak 20,000 4.99 5 Ya Tidak 20,000 7.00 10 Ya Tidak

4.99 Tidak

Tidak

Ansuran Bulanan Lokasi Bank Terdekat/Hubungi 617.00 311.33 441.67 552.08 825.00 550.00 343.75 275.00

454.00

555.56

533.33 532.00 458.96 529.70

249.83 416.50 283.33

ansontan@alliancefg.com, En Anson 012-2345674

Nota Tambahan

Kena confirmed staff dah bekerja lebih 3 tahunKena confirmed staff dah bekerja lebih 3 tahunKena confirmed staff dah bekerja lebih 3 tahunKena confirmed staff dah bekerja lebih 3 tahunKena confirmed staff dah bekerja lebih 3 tahunKena confirmed staff dah bekerja lebih 3 tahun03-5522 3000

Employees of Federal and State Government and Selected Statutory Bodies60 3 2070 8833603 2168 000060 3 2161 124060 3 8321 5200603 2145 5959603 2145 595960 3 2698 878760 3 2088 800060 3 2088 800060 3 2088 8000

603 2034 503460 3 2176 6000 / 666660 3 2117 7777603 2171 5000 / +603 9206 8118 (Call Centre)

http://www.alrajhibank.com.my/personal_promo63.shtmlhttp://www.allianceislamicbank.com.my

1 300 82 600003-5516 9988

Permanent government staff; a minimum of 1 year in service03-7950 1113

Call us at 1300 880 900 or +603 22956100 Call us at 1300 880 900 or +603 22956100 http://www.muamalat.com.my/http://www.bankislam.com.myhttp://www.bankislam.com.myhttp://www.bankislam.com.my

www.standardchartered.com.myhttp://www.rhb.com.my/islamic_banking/service_charges/cabca.html

03 2694 8800

Employment: PERMANENT and CONFIRMED staff with minimum 3 years serviceSelected Public Listed Companies, Other Prominent Private Limited Companies as categorized under package companies listed by Bank IslamSelected Public Listed Companies, Other Prominent Private Limited Companies as categorized under package companies listed by Bank IslamSelected Public Listed Companies, Other Prominent Private Limited Companies as categorized under package companies listed by Bank Islam

www.publicislamicbank.com.my

03-9206 8118

customersupport@alrajhibank.com.my

Package - swasta kalau hr boleh potong gaji terus ke Bank Islam boleh dapat 4.99%, kelulusan tak lewat 14 hariNon package - swasta, kelulusan tak lewat 14 hari

permanent staff of at least 1 year in service in any one of our approved agencies*

Tarikh:- 16 Ogos 2013No Bank Produk1

2 Personal Financing-i

3 Alliance CashVantage Personal Financing-i

4 AmIslamic Bank Berhad

5

6 Personal Financing-i - Package

7 Personal Financing-i - Non Package

7

Affin Islamic Bank Berhad

Al Rajhi Banking & Investment Corporation (Malaysia) Berhad

Alliance Islamic Bank Berhad

Asian Finance Bank Berhad

Bank Islam Malaysia Berhad

Bank Islam Malaysia Berhad

Bank Muamalat Malaysia Berhad

8 Pembiayaan Peribadi Sektor Awam-i

Cash Plus Financing-i

9

10

11

12

13

14

15

16

17 Bank Rakyat PERSONAL FINANCING-i AWAM

CIMB Islamic Bank Berhad

CIMB Islamic Bank Berhad

HSBC Amanah Malaysia Berhad

Hong Leong Islamic Bank Berhad

Kuwait Finance House (Malaysia) Berhad

Maybank Islamic Berhad

OCBC Al-Amin Bank Berhad

Public Islamic Bank Berhad

RHB Islamic Bank Berhad

Standard Chartered Saadiq Berhad

18 Bank Rakyat PERSONAL FINANCING-i ASLAH (SENIOR CITIZEN)

19 MBSB Personal Financing-i20 BSN Personal Loans BPA (Klasik)

21 BSN BPA (Super Klasik B)

22 BSN Personal Loans SKAN (Klasik)

23 BSN Personal Loans SKAN (Super Klasik B)

24252627

Tarikh:- 16 Ogos 2013Keterangan Produk

provides you the financial needs be it for personal or for business purpose with low monthly instalments, flexible financing tenure and profit rate at 10.38%* p.a (flat rate basis).

Advance Payment- Equivalent to 2 months installment (if applicable)

Immediate approval

Special financing package tailored only for government servant and government link companies.

Enjoy the fastest and the most flexible financing up to 5X to your gross income to make your dream a reality. Get the approval status within 24 hours, it’s so easy!

Amongst the LOWEST RATE in Town!

A personal financing scheme espcially for senior citizens.RM5,000 takaful coverage borne by Bank Rakyat in the event of death during the financing period** No compensation given for the first 3 months after commencement of financing

Catered especially for Government Servants and employees of Statutory Bodies, the BPA Personal Loan works out for everyone's benefit

Catered especially for Government Servants and employees of Statutory Bodies, the BPA Personal Loan works out for everyone's benefit.

Developed especially for State Government Department employees.

Developed especially for State Government Department employees.

Tarikh:- 16 Ogos 2013Syarat Jumlah Pinjaman Interest Tempoh

20,000 7.25 5

30,000 10.38 7

20,000 4.99 10

20,000 7 10

Income requirement: minimum gross monthly income of RM2,000 or RM24,000 per annum.

Applicant must be a continued employee in any of the following:Government Sector, Selected Public Listed Companies, Subsidiaries of Government or Selected Public Listed Company, Other Prominent Private Limited Companies as categorized under package companies listed by Bank Islam,Debt Service Ratio (DSR) must not exceed 50% (if not a house owner) or 60% (if a house owner) from the net salary after statutory deduction, Salary Transfer to Bank Islam with Auto-debit Instruction, Salary Deduction

Financing RM30,000 and below – without guarantor, Earning a minimum fixed income of RM3,000 per month, Applicant and/or guarantor must be a continued employee in any of the following:Government Sector, Public Listed Companies, Subsidiaries of Government or Public Listed Company, Total deduction must not exceed 40% from the gross salary or if inclusive of house deduction, it must not exceed 60% of deduction, Salary Deduction, Salary Transfer to Bank Islam with Auto-debit Instruction, Standing Instruction from other Banks (from salary credited account)

10

5X2800=14000 13.38 5

20,000 3.85 10

Installment payments via salary deductions through Biro Angkasa, Minimum income RM1,500 for rate packages of 3.88%, 4.38%, 4.99%, Minimum income RM3,000 for rate packages of 3.65% and 4.35%, Open to all government servant

Profit rate:3.88% p.a flat rate, 4.38% p.a.flat rate, 4.99% p.a.flat rate (Valid until 31st December 2013), 3.65% p.a flat rate, 4.35% p.a flat rate (Valid until 30th August 2013)

Individual applicant only, Minimum monthly income of RM2,000 gross, Employment / business for more than 6 months, Make your monthly installment payments through automatic payments via standing instruction

Government Servant or Government Liaised Companies (GLC), •Angkasa Service Bureau•Employer payroll deduction•Savings account deduction

20,000 6.9 5

10 20,000 4.4 10

20,000 3.9 10

20,000 4.4 10

•Age not exceeding 65 years at the end of the financing period,•Pension amount not less than RM800 to be credited to Bank Rakyat's savings account (Autopay) at any Bank Rakyat branch

Employee of government / Statutory Bodies / selected organizations which has the facility of salary deduction through BPA. For contract / temporary employee (has served more than 12 months) must provide a guarantor (permanent government servant and has been employed more than 3 months). » Mode of payment is via Biro Perkhidmatan Angkasa. » Capping of financing based on your salary. » Subject to monthly salary deduction limit of not more than 60%.

Employee of government / Statutory Bodies / selected organizations which has the facility of salary deduction through BPA. For contract / temporary employee (has served more than 12 months) must provide a guarantor (permanent government servant and has been employed more than 3 months). » Mode of payment is via Biro Perkhidmatan Angkasa. » Capping of financing based on your salary.» Subject to monthly salary deduction limit of not more than 60%.

State Government Department employees maintained salary account under Treasury / State Finance. For contract / temporary employee (has served ≥12 months) must provide a guarantor (permanent government servant and has been employed ≥3 months).» Subject to monthly salary deduction limit of not more than 60%.

20,000 3.9 10State Government Department employees maintained salary account under Treasury / State Finance.For contract / temporary employee (has served ≥12 months) must provide a guarantor (permanent government servant and has been employed ≥3 months). » Subject to monthly salary deduction limit of not more than 60%.

Ada Takaful Perlu Penjamin/Pajakan Ansuran Bulanan Lokasi Bank Terdekat/Hubungi60 3 2055 9000

454 60 3 2301 7000

Ya Tidak 617 6 03 2694 8800

60 3 2079 1000

Ya Tidak 249.83 60 3 2088 8000

Ya Tidak 283.33 60 3 2088 8000

60 3 2698 8787

Ya Tidak

Ya Tidak

60 3 8321 5200

60 3 2161 1240

603 2168 0000

60 3 2070 8833

603 2034 5034

60 3 2176 6000 / 6666

60 3 2117 7777

Ya Tidak 230.83

Call us at 1300 880 900 or +603 22956100

603 2171 5000 / +603 9206 8118 (Call Centre)

1-300-88-1BANK (12265), Tel: 05-3123166 (Medan Gopeng), 05-2439296 (Greentown, Ipoh)

Tidak

Tidak 03-2096 3000 / 1800 88 4000240

231.67

240

231.67

Nota Tambahan

1 300 82 6000

03-5516 9988

0326900900, 05-255 3866 / 3867 / 3868 (Ipoh)

Contract kena dah kerja sekurang2nya 3 tahun

Aku call, kena permanent staff except KEMAS (boleh contract staff), boleh juga pergi ke CIMB branch di tanjong rambutan walaupun tak islamic sebab dorang akan hantar ke HQ utk proses

16 Ogos'13 aku call tapi takde orang angkat

Dokumen Yang Diperlukan

customersupport@alrajhibank.com.my

Aku call, dia kata package kalau contract staff kena gaji atas RM3000 tapi boleh try sebab bahagian processing yang buat, kalau AmBank takde package sebab takde kerjasama jadi kena buat non package

•Photocopy of identity card (MyKad)•Payslip statements for the last three months•The latest J / EA / EC Form•Certification letter by employer•Payslip bank statement

» 2 copies of your NRIC (front and back). » Confirmation letter from your employer with the below details: - Name / NRIC No. - Designation / Status - Monthly Salary - Date of Employment - Date of Retirement » Latest original salary slip for verification. » A copy of latest salary slip. » Authorization Letter of Salary Deduction from your employer via Biro Perkhidmatan Angkasa (BPA 1/79), (BPA 1/79 A - guarantor).

» 2 copies of your NRIC (front and back). » Confirmation letter from your employer with the below details: - Name / NRIC No. - Designation / Status - Monthly Salary - Date of Employment - Date of Retirement » Latest original salary slip for verification. » A copy of latest salary slip. » Authorization Letter of Salary Deduction from your employer via Biro Perkhidmatan Angkasa (BPA 1/79), (BPA 1/79 A - guarantor).

» A copy of your NRIC (front and back).» Confirmation letter from your employer with the below details: - Name / NRIC No. - Designation / Status - Monthly Salary - Date of Employment - Date of Retirement» Latest 2 months original salary slip for verification.» A copy of latest 2 months salary slip.» Authorisation Letter of Salary Deduction (BSN 09-A)

Document Required» A copy of your NRIC (front and back).» Confirmation letter from your employer with the below details: - Name / NRIC No. - Designation / Status - Monthly Salary - Date of Employment - Date of Retirement» Latest 2 months original salary slip for verification.» A copy of latest 2 months salary slip.» Authorisation Letter of Salary Deduction (BSN 09-A).

Fast Approval in 1 hour

Documents Required

A copy of identity card Latest 3 months' salary slip Latest employer's confirmation letter Latest 3 months Bank Statements of salary crediting account And at least one (1) of these:

Latest income statement (Form B/eBE/ EA/EC); or Any other latest supporting document such as EPF statement, if required

Tarikh:- 16 Ogos 2013No Bank Produk1

2 Personal Financing-i

3

4 AmIslamic Bank Berhad

5

6 Personal Financing-i - Package

7

7

Cash Plus Financing-i

1 Anytime Money Personal Financing-i

2

3

4

5

6

7

8 Personal Financing-i

9 Bank Rakyat PERSONAL FINANCING-i SWASTA10

Affin Islamic Bank Berhad

Al Rajhi Banking & Investment Corporation (Malaysia) Berhad

Alliance Islamic Bank Berhad

Alliance CashVantage Personal Financing-i

Asian Finance Bank Berhad

Bank Islam Malaysia Berhad

Bank Islam Malaysia Berhad

Personal Financing-i - Non Package

Bank Muamalat Malaysia Berhad

CIMB Islamic Bank Berhad

HSBC Amanah Malaysia Berhad

Hong Leong Islamic Bank Berhad

Kuwait Finance House (Malaysia) Berhad

Maybank Islamic Berhad

OCBC Al-Amin Bank Berhad

Public Islamic Bank Berhad

RHB Islamic Bank Berhad

Standard Chartered Saadiq Berhad

111213141516171819

Tarikh:- 16 Ogos 2013Keterangan Produk

Advance Payment- Equivalent to 2 months installment (if applicable)

Instant cash disbursement into your account with HSBC Amanah or HSBC upon approval

•Immediate approval

Personal Financing-i for employee of selected corporate companies based on Shariah Concept of Tawarruq (Commodity Murabahah)

provides you the financial needs be it for personal or for business purpose with low monthly instalments, flexible financing tenure and profit rate at 10.38%* p.a (flat rate basis).

Enjoy the fastest and the most flexible financing up to 5X to your gross income to make your dream a reality. Get the approval status within 24 hours, it’s so easy!

Tarikh:- 16 Ogos 2013Syarat

Income requirement: minimum gross monthly income of RM2,000 or RM24,000 per annum.

Your monthly salary is RM3,000* or above

•Angkasa Service Bureau•Employer payroll deduction•Savings account deduction•Standing Order•Post dated Cheques

Purpose : For personal consumption and not for luxurious purpose. Customer to disclose the actual purpose in the application form

Applicant must be a continued employee in any of the following:Government Sector, Selected Public Listed Companies, Subsidiaries of Government or Selected Public Listed Company, Other Prominent Private Limited Companies as categorized under package companies listed by Bank Islam,Debt Service Ratio (DSR) must not exceed 50% (if not a house owner) or 60% (if a house owner) from the net salary after statutory deduction, Salary Transfer to Bank Islam with Auto-debit Instruction, Salary Deduction

Financing RM30,000 and below – without guarantor, Earning a minimum fixed income of RM3,000 per month, Applicant and/or guarantor must be a continued employee in any of the following:Government Sector, Public Listed Companies, Subsidiaries of Government or Public Listed Company, Total deduction must not exceed 40% from the gross salary or if inclusive of house deduction, it must not exceed 60% of deduction, Salary Deduction, Salary Transfer to Bank Islam with Auto-debit Instruction, Standing Instruction from other Banks (from salary credited account)

Individual applicant only, Minimum monthly income of RM2,000 gross, Employment / business for more than 6 months, Make your monthly installment payments through automatic payments via standing instruction

Tarikh:- 16 Ogos 2013 Jumlah Pinjaman Interest Tempoh Ada Takaful Perlu Penjamin/Pajakan Ansuran Bulanan

7 Ya Tidak

20,000 7.25 5 454

30,000 10.38 7 Ya Tidak 617

20,000 4.99 10 Ya Tidak 249.83

20,000 7 10 Ya Tidak 283.33

5X2800=14000 13.38 5 Ya Tidak

20,000 11.5 5 Ya Tidak 532

5 Tidak

7.24 10 Ya Tidak

Lokasi Bank Terdekat/Hubungi No Tel Emel60 3 2055 9000 03-5522 3000

60 3 2301 7000 1 300 82 6000

6 03 2694 8800 03-5516 9988

60 3 2079 1000

60 3 2088 8000

60 3 2088 8000

60 3 2698 8787

60 3 8321 5200

60 3 2161 1240

603 2168 0000

60 3 2070 8833

603 2034 5034

60 3 2176 6000 / 6666

60 3 2117 7777 1300 888 888

Dah call - Affin takde personal loan

customersupport@alrajhibank.com.my

Fast Approval in 1 hour

603 2171 5000 / +603 9206 8118 (Call Centre)

Dokumen Yang Diperlukan

Documents Required

A copy of identity cardLatest 3 months' salary slipLatest employer's confirmation letter And at least one (1) of these :

Latest income tax form (Form B or Form EA/EC)Latest 3 months Bank Statements of salary crediting account; orAny other latest supporting document such as EPF statement, if required