• Interest Rate (p.a.)

    4.99% - 4.99%

  • Loan Tenure

    2 - 10 years

  • Approval Duration

    Up to 7 business days

  • Min. monthly income


Loan calculator
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Monthly salaryRM0
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What's so great about Public Islamic Bank BAE Personal Financing-i?
  • Approved loan amount of up to RM150,000
  • Fixed interest rate starting at 0.42% per month
  • Applicant covered by Takaful protection

Product Features

Min. financing amountRM5,000
Max.financing amount Up to 25x fixed monthly salary or up to RM150,000
Min. loan tenure2 years
Max. loan tenure10 years
Interest rateFixed rate of 4.99% per annum
Approval durationUp to 7 business days
Debt consolidationNo

Fees & Charges

One time set up
Processing feeRM100
Stamp duty0.5% on loan amount
Disbursement & misc. feeN/A
Early settlementN/A
Late payment chargesN/A


Age requirementAge 18 - 60
Employment eligibilityEmployees of selected state Governments, Government agencies, and statutory bodies
Min. salary requirementRM1,000 gross per month
Guarantor / Collateral requirementN/A

Other Requirements

Need to open linked banked account?No
Need to buy Takaful product?Yes

Product Review byiMoney

Public Islamic Bank – BAE Personal Financing-i FAQ

What is the maximum amount you can borrow?

Borrowable amount of up to 25 times your fixed monthly gross salary or up to RM150,000 for a maximum loan tenure of 10 years.

The catch?

Applicant must be between the age of 18 to 60 to qualify.

Applicant must be an employee of:

\- State Government: Kerajaan Negeri Negeri Sembilan, Kedah, Sarawak, Terengganu, Perak, or Perlis, OR \- Government agency or statutory body: MARA, LHDN, RISDA, etc

Applicant must be earning a minimum gross salary of RM1,000 per month (for loan amount of RM10,000 – RM75,000) or RM5,000 per month with at least 2 years of completed service (for loan amount of RM75,001 – RM100,000).

Takaful protection is compulsory.

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

One time set-up fee:
  • Processing fee of RM100 and 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 monthly deduction by employer.
  • For loan tenure of 2 to 10 years:
  • Fixed interest rate of 4.99% per annum (0.42% per month) throughout the entire loan tenure.
  • Penalties:
  • No early or late payment charges imposed.
  • 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, Public Bank will require an average of seven business days (not including Saturdays, Sundays, 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)
  • 3 months (most current) original salary slips
  • 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.

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