RHB Personal Financing-i Civil Sector

MOHON DISINI !!!


RHB Personal Financing-i Civil Sector
A fast approval government servant financing repayment through salary deduction. What's more - Takaful protection in the event of death and total permanent disability.
Financing up to RM200kUp to 10 years tenureUnsecured Islamic Financing

Interest Rates
How much the bank charges you based on your loan amount & loan period

Financing Value Financing Period Your Income Profit Rate
RM2000 - RM200000 24 to 120 months min. RM12000 4.5% p.a.
Fees & Charges
There are always fees but how much are they?

Profit Rate / APRAs low as 4.5% p.a., depending on financing amount and periodProcessing FeeRM31.80 brokerage chargeStamp Duty and Handling FeeRM10Late Payment Charge1% from current outstanding amount
*inclusive of 6% GST

Requirements
Are you eligible for this personal financing?

Minimum annual incomeRM12000Minimum age18 years oldMaximum age58 years oldWho can Apply
Malaysians
Government employee


Frequently Asked Questions about RHB Personal Financing-i Civil Sector
Things you might want to know

An ideal financing plan for government employees looking for extra cash, with low minimum salary requirements at RM1,000 a month and auto-deductions via Biro Angakasa - so you’ll always meet your repayments without any hassle or over-spending.

How much can I borrow from RHB Bank?
RHB Personal Financing-i for Civil Sector will let you borrow a minimum of RM2000 up to RM150,000. You can choose any repayment period between 2 years to 10 years, as long as can afford the monthly repayments.

What fees should I be aware of? Do I have to pay any GST?
You’ll have to pay a brokerage charge of RM31.80 with GST included to get your financing approved and process. In addition, you’re required to pay RM10 for stamp duty fees.

If you’re late on your monthly payments, you’ll be charged 1% of the outstanding balance by RHB, as well as GST charges.

What do need to apply for this RHB Islamic financing?
To approve your loan RHB Islamic will need you to fill up an application form and submit your supporting documents. Here’s what you’ll need:

2 copies of your MyKad front and back
Authorisation Letter for Salary Deductions
Original and 3 copies of latest 3 months’ salary slips
2 copies of Confirmation Letter from employer
2 copies of Redemption Letter (if applicable)
How will I get the cash once I have been approved?
Once RHB Islamic has reviewed your application and approved your financing, you’ll need to accept the cash and terms of the agreement. Your financing will then be transferred to a Savings Account or Current Account of your choice.

How much do I have to pay back each month?
RHB Islamic Bank will provide you with a repayment schedule based on the amount that you borrowed and chosen tenure. Be sure to meet your repayments on time each month to avoid being charged any late payment fees.

What happens if I choose to settle my financing early?
There will be no exit fees charged by RHB if you decide to terminate this Islamic financing plan ahead of schedule. Ibra’ rebates will be awarded to you based on the profits calculation and any applicable early settlement charges.