- You Pay
- RM 89 /mth
- Profit Rate
- Total Profit Payable
- RM 70
- Total payment
- RM 1,070
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Shariah compliant personal financing with approved financing amount of up to RM250,000, payment tenure up to 7 years.
Profit rate as low as 4.88% p.a for Premier HSBC customers. Profit rate as low as 7.5% p.a for existing HSBC customers. Profit rate as low as 10.5% p.a for new HABC customers.
Instant cash disbursement upon approval with no stamp duty, no processing fee and no early settlement fee.
Use our personal financing calculator to find the best personal financing based on your requirements and eligibility.
Select the best product that fits your requirements from the list of recommended personal financing products listed and click on the Apply button.
Fill in a form with your details to be submitted for application, and a representative from iMoney or the bank will call you to process the application.
HSBC Amanah Personal Financing-i is a personal loan for Malaysian citizens or Malaysian PR holders that are looking for a financing amount of up to RM 250,000. It also has a relatively low monthly payment as low as RM109 and decent financing with a medium gross income requirement of RM3,000 per month.
Best for: Personal use including your kid’s education fund
Income requirements: Minimum RM 3,000/month.
HSBC Amanah Personal Financing-i is HSBC's islamic financing solution, which follows the shariah concept of Commodity Murabahah which refers to an arrangement to purchase and sell Shariah compliant commodities whereby the cost and profit margin (mark-up) are made known and agreed by all parties involved.
HSBC Amanah Personal Financing-i offers a lot of advantages compared to their competitors, such as a high financing amount, competitive profit rates, and a fast approval time.
You can apply for HSBC Amanah Personal Financing-i right here.
You can borrow up to RM 250,000.
HSBC Amanah Personal Financing-i is open for any Malaysian or Malaysian PR between 21-60 years old with an income of RM3000 or more.
Once you have completed your application with iMoney, you are required to provide the following documents for your application:
The profit rate offered to the customer depends on the financing amount applied for.
|Profit Rate from (p.a.)||
Financing amount from RM50,000 to RM250,000
Flat profit rate from as low as 4.88% p.a.
Financing amount from RM50,000 to RM250,000
Flat profit rate from as low as 7.5% p.a.
Financing amount from RM6,000 to RM120,000
Profit rate from as low as 10.5% p.a.
Late payment charge: 1% per year on the outstanding payment
For example, the fee is calculated as follow:
Late payment charge = Outstanding monthly instalment X 1% X number of days outstanding/365 days
* The charges will not be compounded
Note: There are no upfront charges or additional fees when you apply through iMoney. We will also not request any deposit payment from you.
The instalment date is dependent on the disbursement date.
1st - 4th of the month: instalment date is 1st of the following month
5th - 15th of the month: instalment date is 4th of the following month
16th - 20th of the month: instalment date is 1st of the following month
21st - 25th of the month: instalment date is 10th of the following month
26th - 31st of the month: instalment date is 15th of the following month
Prepayment is not allowed. Customers can make early settlements at any point of time during the financing tenure. The bank would require a 1-month notice. No penalty is imposed in the case of early settlement.
No, as the instalment amount and the selling price have been agreed initially.
A standing instruction from the customer’s deposit account will be established to the facility account upon disbursement. Payment can be made via this deposit account.
HSBC Amanah will approve an application within 3 days, provided that full documentation and information are submitted.
To speed up the process, you can apply through iMoney where our Call Centre Consultants will walk you through the eligibility checker, application form, and advise you on the required document submission.
After we submit your documents and information, HSBC Amanah can approve and disburse to you within 3 days.
You can contact HSBC Amanah customer support right here.
No, HSBC Amanah Personal Financing-i is only for an individual sole account. Joint application is not allowed.
No, this financing solution is open for anyone who is eligible.
Unfortunately, no. HSBC Amanah will check your credit history as part of their approval process. You are required to settle all overdue payments before applying and keep a healthy credit record before you apply for any personal financing or loan. We also highly recommend that you continue repaying your loans on time for another three months before reapplying.
Check your iMoney CreditScore for free to find out how your credit health is.
Bank Rakyat Personal Financing-i (Private Sector)
Bank Rakyat Personal Financing-i Private Sector is a guarantor-free personal loan that offers a financing amount of up to RM 150,000. It also has a relatively low instalment and decent financing with a relatively low gross income requirement of RM2,000 per month.
Bank Rakyat Personal Financing-i (Public Sector)
Bank Rakyat Personal Financing-i Public Sector is a personal loan for Malaysian citizens that are in the public sector, GLC companies and GLC subsidiaries. This personal loan offers a financing amount of up to RM 200,000. It also has a relatively low instalment and decent financing with a relatively low gross income requirement of RM1,000 per month.