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Loan & Downpymnt.

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We will apply for the LOWEST interest rate in the market for our respected customer.

Ambank Maybank Bank Rakyat
Affin Bank
EON Bank Alliance Bank
Hong Leong Bank Bank Muamalat Bank Islam
 
Documents for loan submission (Individual)
  1. PHOTOCOPY OF IDENTITY CARD

    1. MyKad/Uniformed Personnel ID OR
    2. MyPR Kad(For Non Malaysia-PR) OR
    3. Passport and Visa/Working Permit

  2. PHOTOCOPY OF DRIVING LICENSE

  3. INCOME DOCUMENTS

    4. Salaried Applicant
    Latest salary slips (3 Months) and at least one of the following:
    1. Savings/Current/ASB/ASN/Tabung Haji A/C reflecting latest 3 months income OR
    2. Current year APF statement or statement as at December of last year OR
    3. Last year assessment of Income Tax Borang B OR
    4. Employment letter of Offer (For applicant in new job , 3 months with prior employment records)

    Newly Employed (3 months)
    1. Minimum 1 month salary slip OR
    2. Savings/Current A/C reflecting at least 1 month salary.

    Non-Salaried Applicant
    1. Savings/Current/ASB/ASN/Tabung Haji A/C reflecting latest 3 months income OR
    2. Latest Income Tax Borang B AND
    3. Other relevant documents

  4. ADDITIONAL DOCUMENT (FOR GARDHITZ APPLICATION ONLY)

    1. Degree or Diploma Certificate
    2. Employment Letter 

  5. GUARANTOOR (If Applicable)

    1. Photocopy of NRIC
    2. Savings/Current/ASB/ASN/Tabung Haji A/C reflecting latest 3 months income
 
Documents for loan submission (Non-Individual)
  1. IDENTIFICATION DOCUMENTS

    2. Sole Proprietor/Partnership
    1. Copy of NRIC of Sole Proprietor/partner
    2. Copy of Business Registration (Borang A)
    3. Copy of Latest Business Registration Renewal (Borang D)

    Private/Public Companies
    1. Copy of Certificate of  Incorporation (Form 9)
    2. Copy of M & A (certified by Company Secretary)
    3. Copy of form 24 and 49 (certified by Company Secretary)

    Clubs, Associations, Societies and cooperatives
    1. Copy of Certificate of Registration
    2. Copy of certified Rules & Regulations
    3. Empowerment to the office bearers/appointed committee to borrow

  2. INCOME DOCUMENTS

    3. Sole Proprietor/Partnership
    1. Savings/Current/ASB/ASN/Tabung Haji A/C reflecting 3 months income OR
    2. Latest income tax Borang B AND
    3. Other relevant documents:

    Private/Public Companies
    1. Current account reflecting applicant’s latest 3 months declared income
    2. Other relevant documents

    Clubs, Associations, Societies and cooperatives
    1. Current account reflecting applicant’s latest 3 months declared income
    2. Latest one year financial statements

NOTE:

Applicants are encouraged to submit all document needed support by extra documents in order to get better interest rate and approval chances...
 
Financing term for hire purchase loan
EFFECTIVE DATE: 18 MAY 2009
NEW VEHICLES FINANCING TERMS (Registered for Private Use)

All Proton Models

Loan Period Up to 5 yrs 6 -7 yrs 8 - 9 yrs
Minimum Fixed rate
(p.a flat)		 3.50% 3.65% 3.75%

Note :
The above guidelines and financing terms are applicable for all type of Proton Models only.
For any financing With Extended Warranty Period, the payment of the Extended Warranty Period shall be borne by Bank.


All Perodua Models

Loan Period Up to 5 yrs 6 -7 yrs 8 - 9 yrs
Minimum Fixed rate
(p.a flat)		 3.50% 3.65% 3.75%

Note :
For any financing With Extended Warranty Period, the payment of the Extended Warranty Period shall be borne by Bank.


Naza Sutera/Forza/Suria Model

Loan Period Up to 5 yrs 6 -7 yrs 8 - 9 yrs
Minimum Fixed rate
(p.a flat)		 3.50% 3.65% 3.75%

Note :
For any financing With Extended Warranty Period, the payment of the Extended Warranty Period shall be borne by Bank.


Other New Vehicles (Honda,Toyota,Nissan,Cherry,Hyundai,Naza, etc.)

Type of Vehicles Loan Period Up to 5 yrs 6 -7 yrs 8 - 9 yrs
New CKD,CBU,MPV,
SUV,4X4 & New Window
Van of all make and model		 Minimum Fixed rate
(p.a flat)		 3.25% 3.40% 3.50%
Unregistered
Reconditioned		 Minimum Fixed rate
(p.a flat)		 3.50% 3.65% 3.75%
 
Get the best financing deal for your wheels
"We recommend Islamic Loan Facilities and Insurance"

We'll help you attain your dream car under an Islamic hire purchase agreement. It's that simple.

Hire Purchase

Hire purchase involves the sales of goods by the dealer to the financier (bank), which becomes the owner, in return for an immediate payment, which is the cash price less deposits paid by the consumer (hirer). The ownership of the goods passed to the hirer upon completion of the full installment payment.

Al-Ijarah Thumma Al-Bai' (AITAB) - Islamic Financing

Under the Syariah principle, there are two contracts involved in the Islamic hire purchase financing, the Ijarah contract (leasing/renting) and Bai' contract (purchase), which are undertaken concurrently.

The facility is to finance the purchase of new and used passenger vehicles, where customer enters into the Ijarah contract and leases the car from the owner (the bank) at an agreed rental over a specific period. Upon expiry of the Ijarah contract, the Bai' contract will come into effect, which allows the hirer to purchase the car at an agreed price.

Open to Muslims and non-Muslims