• Profit rate (p.a.)

    6.50% - 6.50%

  • Loan Tenure

    2 - 10 years

  • Approval Duration

    Up to 5 business days

  • Min. monthly income


Loan calculator
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What's so great about BSN MyRinggit-i PRIMA Personal Financing?
  • Approved loan amount of up to RM200,000.
  • Fixed interest rate of 6.5% per annum.
  • Applicant covered by Takaful protection.

Product Features

Min. financing amountRM10,000
Max.financing amount up to RM200,000
Min. loan tenure2 years
Max. loan tenureUp to 10 years
Profit rateFixed rate of 6.50% per annum
Approval durationUp to 5 business days
Debt consolidationNo

Fees & Charges

One time set up
Processing feeN/A
Stamp duty0.5% on loan amount
Disbursement & misc. feeN/A
Early settlement1% on outstanding loan amount
Late payment chargesN/A


Age requirementAge 21 - 65
Employment eligibilityMedical doctors and medical officers
Min. salary requirementRM3,000 gross per month
Guarantor / Collateral requirementN/A

Other Requirements

Need to open linked banked account?Yes
Need to buy Takaful product?Yes

Product Review byiMoney

BSN MyRinggit-i PRIMA Personal Financing FAQ

What is the maximum amount you can borrow?

Borrowable amount of up to five times your fixed monthly gross salary or RM200,000 for a maximum loan tenure of 10 years.

The catch?

Applicant must be a Malaysian citizen between the age of 21 to 65 with full-time employment as a medical doctor OR between the age of 21 to 50 with full-time employment as a medical officer to qualify.

Applicant must be earning a minimum gross salary of RM3,000 per month.

Opening of a linked bank account and Takaful protection is compulsory.

What will it cost you and how will you be charged?

One time set-up fee:
  • Stamp duty of 0.5% on loan amount to be deducted upfront before loan disbursement. No other set-up fees need to be paid.
  • Recurring payments:
  • Monthly repayment comprising principal amount and interest charge via Standing Instruction deduction, ATM/CDM, or Interbank GIRO (IBG). Interest rate is fixed at 6.50% per annum (0.54% per month) throughout the entire loan tenure.
  • Penalties:
  • Late payment charges of 1% on outstanding loan amount. Late payment charges will increase your total outstanding loan amount.
  • No early settlement penalty imposed.
  • Calculate the cost of taking up this loan using our calculator

    How long will the application take and what documentations are required?

    Upon completing an application with iMoney, our representative will contact you within the same business day to confirm your application.

    Thereafter, Bank Simpanan Nasional will require an average of five business days (not including Saturday, Sunday, and public holidays) before approval or disbursement.

    You are required to furnish the following documents for your loan application:

    • Copy of NRIC (front and back)
    • Copy of certificate issued by Malaysian Medical Council:
      • Perakuan Pendaftaran Sementara (Borang 5-Peraturan 20, Akta Perubatan 1974); OR
      • Perakuan Amalan Tahunan (Borang 12-Seksyen 20, Akta Perubatan 1974)
    • Authorized business registration:
      • 3 months (most current) bank statements (either upon clinic’s name or proof of income in relation to medical practices)
      • Authorized documents as a specialist doctor or confirmation letter from your current employer/supervising doctor

    Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?

    No, you are required to settle all overdue payments before applying. It is advised that you continue repaying your loans on time for another three months before reapplying.

    If you are looking for other personal loans, you may also consider
    Bank Rakyat Personal Financing-i Aslah Awam
  • With Bank Rakyat Personal Financing-i Aslah Awam, the personal loan comes with an fixed interest rate starting from 3.65% p.a. This personal loan has a maximum tenure of 8 years. It also comes with a minimum income requirement of RM1,000.
  • Agrobank AgroCash-i (Bai' Al-Inah)
  • Agrobank AgroCash-i (Bai' Al-Inah) has a flat interest rate starting from 2.67% p.a. The maximum tenure for this personal loan is 10 years. It also comes with a minimum income requirement of RM1,500.
  • Bank Islam Personal Financing-i (Package)
  • The personal loan rate for Bank Islam Personal Financing-i (Package) starts from 4.99% p.a. It has a maximum tenure of 10 years. The personal loan also comes with a minimum income requirement of RM2,000.