• Interest Rate (p.a.)

    4.50% - 4.50%

  • Loan Tenure

    2 - 10 years

  • Approval Duration

    7 business days

  • Min. monthly income

    RM2,000

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What's so great about RHB Personal Financing-i For Civil Sector?
  • Promotion rate as low as 4.50% p.a
  • Salary deduction scheme
  • Financing amount up to RM200,000
  • Flexible repayment period

Product Features

Min. financing amount2,000
Max.financing amount 200,000
Min. loan tenure2 years
Max. loan tenure10 years
Islamic/ConventionalIslamic
Interest rate4.5% - 4.9%
Approval duration7 business days

Fees & Charges

One time set up
Stamp dutyNominal amount of RM10.00 (per document)
Other fees The instalment is inclusive of 2.0% collection fee of total deduction
Penalties

Eligibility

Age requirementAge 18 - 58
Employment eligibilityOnly for Malaysian Civil Servants under Federal Government and selected government agencies
Min. salary requirementRM2,000 gross per month
Guarantor / Collateral requirementNone required

Other Requirements

Product Review byiMoney

RHB PF-i for Civil Sector FAQ

What is the maximum amount you can borrow?

Borrowable amount of up to RM200,000 for a maximum financing tenure of 10 years.

The catch?

Applicant must be between the age of 18 to 58 years old at the end of financing tenure to qualify.

Applicant must be a Malaysian citizen employed as civil servants under Federal Government and selected government agencies with a minimum gross salary of RM2,000 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:
  • Nominal amount of RM10 (per document) stamp duty fee is applicable as per Stamp Duty Act 1949 (Revised 1989) to be deducted upfront before financing disbursement. No other set-up fees need to be paid.
    • Recurring payments:
  • Monthly repayment comprising principal amount and interest charge via standing instruction deduction.
    • Penalties:
  • Early settlement penalty of RM200 for settlement within 6 months from the date of financing approval.
  • Late payment charges of 1% on outstanding financing amount. Late payment charges will increase your total outstanding financing amount.

    • 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. All you need to bring along with you to the bank is your MyKad. With biometric verification, all your income data needed will be auto-filled electronically by RHB Easy. No documents or forms to fill!

    However, to be on the safe side, do bring along the following documents with you as well!

    Please prepare the following documents:

  • Latest 3 months pay slip
  • Latest employment confirmation letter
  • Authorization letter for salary deduction
  • Latest bank saving account passbook or current/savings account statement

    • 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 financing on time for another three months before reapplying.