• Interest Rate (p.a.)

    6.00% - 8.50%

  • 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 EKSEKUTIF-1 Personal Financing?
  • Approved loan amount of up to RM200,000
  • Fixed interest rate as low as 6.00% annually
  • Based on the Shariah concept of Tawarruq which comprises of Bai Murabahah and Wakalah contracts

Product Features

Min. financing amountRM10,000
Max.financing amount 10x of monthly gross income or maximum RM200,000.00 whichever is lower.
Min. loan tenure2 years
Max. loan tenure10 years
Interest rateFixed profit rate from as low as 6.00% to 8.50% 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
Early settlementBank reserves the rights to charge any fees and charges which represents the cost incurred by the bank
Late payment charges1% on outstanding loan amount


Age requirementAge 21 - 60
Employment eligibilityPremier Developer Panel, Private Hospital, Telecommunication Co., Licensed Financial Institution, MNC, PETRONAS Group of Co., selected Private University & College, Statutory Body, GLC, PLC, and Professionals.
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?No

Product Review byiMoney

BSN MyRinggit-i EKSEKUTIF-1 Personal Financing FAQ

What is the maximum amount you can borrow?

Borrowable amount of up to ten times your 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 60 with full-time employment as employees of Premier Developer Panels, Private Hospitals, Telecommunication Companies, Licensed Financial Institutions, Multinational Companies, PETRONAS Group of Companies, Selected Private Universities & Colleges, Statutory Bodies, Government Link Companies, Selected Public Listed Companies in Main Market Bursa Malaysia (Financial, Plantation,Property,Technology,Trading / Service, Industrial Product, Consumer Sectors only) and Professionals (Doctors, Architects, Lawyers, Accountants and other certified Professionals).

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

Opening of a linked bank account 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 between 5.50% and 7.50% per annum 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 latest three (3) months’ Salary Slips;
    • Copy of your NRIC (both sides);
    • Latest EPF Statement; AND
    • Confirmation Letter by Employer stating the below:
      • Name and NRIC
      • Designation / Position
      • Monthly salary
      • Date of Employment
      • OR
      • Latest EA / EC Statement and latest e-filing form or any verified documents by the Inland Revenue Board (LHDN)

    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.