Pinjaman Peribadi RHB

RHB Personal Loan Malaysia

The RHB Group intends to provide customers with a high standard of services with through innovation and futuristic practices to make itself a favorite for the local people of Malaysia as well as be one of the leading financial institutions with a wide range of products, in Asia. RHB has a plethora of financial products and services that include premier banking, asset management, loans, investment banking, credit cards, Islamic banking and personal financing.

You’re probably eligible for an RHB Bank Personal Loan if you are

At least 21 years old

Less than 65 years old

RHB Bank Personal Loan Eligible Employment Type

Salaried or self-employedwith regular income

Earn more than the minimumincome required

Your RHB Bank Personal Loan amount eligibility is based on these factors

Minimum income required RM 2,000

RHB Bank Personal Loan Maximum Loan Funded

Maximum allowed personal loan is RM 200,000

Installments of other loans loweryour eligibility

Increase your eligible RHB Bank Personal Loan amount by these steps

RHB Bank Personal Loan Payoff Outstanding Credit Card Bills

Pay off your credit card bills

Choose longer tenure loan up to 7 years

Documentation needed to apply for RHB Bank Personal Loan

1.Copy of NRIC
2. Copy of latest three (3) months pay slip
3. Latest EPF statement
4. Employment Confirmation Letter
5.Other related documents

RHB Bank Personal Loan Interest RatesUpdated on 24 Jun 2016

RHB Bank Personal Loan Details

Interest Rate	13.45% - 8.18%
Minimum Income	RM 2,000
Tenure	7 years

Why To Opt RHB Personal Loan

RHB Personal Financing has unsecured personal loans which has some great features that include

No fees charges for processing fees.
The personal financing option is a reducing balance loan as the interest rates reduce with every monthly payment made in time.
Personal financing options are available through a guarantor.
It is a Pinjaman Peribadi option that has fast turn around time when it comes to loan applications
The maximum amount for RHB personal financing is RM1,50,000.
The minimum income for loan application is RM 24,000 per annum.
The repayment tenure can range between 12-84 months (based on the loan sum).
The interest rate for RHB personal financing ranges between 13.45% - 8.18%
Prepayment fees as chargeable at RM 100.
The personal loan is available for Malaysian citizens only.
This loan conforms to all the Sharia laws as a RHB Islamic Banking product.

Pinajaman Peribadi RHB

RHB Personal Financing-i for private
Profit rate based on loan amount
No guarantor and collateral needed
Aged from 21 years to 60 years old
Minimum monthly income of RM 2,000
From 1 year to 7 years tenure
RM 2,000 to RM 150,000 financing available.
Malaysian Citizens only

RHB Personal Financing-i for private is a shariah compliant personal loan from RHB bank that is catered for private sector. The profit rate of this loan would depends very much on the amount being borrowed.

Amount	Profit rate	Max Borrowing Years
RM2,000 to RM10,000	13.45%	5 years
RM11,000 to RM50,000	11.66%	7 years
RM51,000 to RM 99,000	9.91%
RM 100,00 to RM 150,000	8.18%

Effective Interest Rates (EIR) may vary based on repayment period.

RHB Personal Financing-i requires no collateral and guarantor. You can borrow 3.5 times your salary if you annual income is RM 18,000 to RM 30,000 or 5.5 times your salary if it exceeds RM 30,000 p.a.RHB Personal Financing-i comes with required Takaful insurance and express approval. There is a RM 10 stamp duty charge and brokerage fee of RM 30 per application for the loan. This loan is Syariah compliant loan and is based on ‘Murabahah and Tawarruq’ concept. The lowest amount that you can borrow is RM 2,000 which is at RM 57.54 repayment per month.

Cost

There is a RM 30 brokerage fee while Stamp Duty is chargeable. Takaful insurance would be compulsory with the loan in the event of death for permanent disabilities. GST of 6% is also applicable for any service charges.

Eligiblity

This loan is available to Malaysian Citizens that is 18 years while do not exceed retirement age at the end of loan tenure. This loan is also available to private sectors while the minimum salary required would be RM 24,000 yearly.

Benefits

This loan has no lock in period and early settlement fees if debtors want to settle the loan early. This is good if you expect a large sum of available money in near future, for example bonus,commission on sale.

Required Documents

Employed

Photocopy IC (both sides)
Most recent EPF statement
Most recent salary slip ( 3 months if your income is not fixed)

Self Employed

Photocopy IC (both sides)
Most recent 6 months bank statement
Latest income tax BE form
Business registration certificate or Form 9, 24 ,49

Pinjaman Peribadi CIMB

Features & Benefits

100% Disbursement

No additional charges imposed to the loan amount.

Flexible tenure

Flexible payment period of up to 5 years*.

Loan amount

Loan Amount offered from minimum RM2,000 to maximum of RM100,000.

Eligibility & Requirement

Eligibility

Individual applicant only
Aged between 21 and 58 years old
Minimum income RM2,000 (basic + fixed income only)

Employment Type	Company Profile	Income Requirement
Employed	Multi National Company Public Listed Company Government Link Company	1. Payslip: a) Fixed Income earner (Basic only): minimum latest 1 month payslip or b) Variable Income earner: minimum latest 3 months payslip or 2. Existing CIMB Payroll Customer minimum latest 3 month bank statement with AUTOPAYCR orCREDIT ADVICE transaction or Transfer from Co Name or 3. Minimum latest 6 months EPF record or 4. Latest Form BE with LHDN payment receipt/ e-filing acknowledgement receipt or 5. Latest EA Form
Employed	Others	1. Payslip: a) Fixed Income earner (Basic only): minimum latest 1 month payslip AND i) latest EPF statement OR ii) latest salary crediting bank statement b) Variable Income earner: minimum latest 3 months payslip AND i) latest EPF statement with minimum 3 months record OR ii) latest 3 months salary crediting bank statement or 2. Existing CIMB Payroll Customer minimum latest 3 month bank statement with AUTOPAYCRor CREDIT ADVICE transaction or Transfer from Co Name or 3. Minimum latest 6 months EPF record OR 4. Latest Form BE with LHDN payment receipt/ e-filing acknowledgement receipt
Commission Earner		1. Minimum latest 6 month commission statement with commission crediting bank statement or 2. Latest Form BE with LHDN payment receipt/ e-filing acknowledgement receipt
Self-Employed		1. Self-Employed - Private Limited Company: Business registration i.e. Form 9, 24 & 49, SSM Search; and i) latest 6 month business bank statement; or ii) latest Borang B with LHDN payment receipt/e-filing acknowledgement receipt 2. Self employed - sole prop/partnership / limited liability partnership / small traders: Trading license / Partnership agreement / SSM / Professional Practicing Certificate; and i) latest 6 month business bank statement; or ii) latest 6 months personal bank statement (for sole prop/small traders only) or iii) latest Borang B with LHDN payment receipt / e-filing acknowledgement receipt Note: For business income, the self-employed must own at least 20% of the shareholdings including Sdn Bhd and Partnership.

Profit Rates

Employment Type	Loan Amount (RM)	Effective Lending Rate (Fixed rate, reducing balance, daily rest)	Equivalent to fixed rate (Subject to customer remains until end of tenure)
Salaried	50k-100k	14.50% p.a.	8.20% p.a.
Salaried	20k-<50k	18.62% p.a.	10.88% p.a.
Salaried	2k-<20k	24% p.a.	14.66% p.a.
Self Employed	2k-100k	24% p.a.	14.66% p.a.

Fees & Charges

	Products/Items	Charges
1	Late Payment Penalty	1.0% p.a. on the installments amount in arrears from overdue date
2	Early Settlement Fee	Nil