Personal Cash Line-i

Personal Cash Line-i against Bank Islam’s Fixed Deposits, Structured Investment, Unit Trust and Salary Account

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Benefits & Features

Financing Quantum

Subject to a minimum of RM5,000 (Salary Account)
Subject to a minimum of RM10,000 (Fixed Deposits, Structured Investment or Unit Trust)

Margin of Financing

Up to 100% if secured against fixed deposit
Up to 80% if secured against structured investment
Up to 60% if secured against unit trust
Up to 1:1 with amount of salary credited to Bank Islam and up to maximum of RM50,000.00

Financing Period

Secured against fixed deposit, structured investment or unit trust

Salary Account

Maximum of 3 years (36 months) or up to the retirement age or up to 70 years old, whichever is earlier

Financing Rate Offer

Secured against fixed deposit, structured investment or unit trust

Floating Rate (Standardised Base Rate [SBR])

Note : SBR (effective 05 May 2023) is 3.00% p.a

Salary Account

Floating Rate (Standardised Base Rate [SBR])

Note : SBR (effective 05 May 2023) is 3.00% p.a

Eligibility & Requirements

Eligibility

Secured against fixed deposit, structured investment or unit trust

Salary Account

Applicant must be 18 years and up to retirement age or 70 years old (last entry age at 65 years old)
Malaysian citizen
Earning a minimum of RM5,000.00 per month)
Salary earner

Documents Required

Secured against fixed deposit, structured investment or unit trust

Salary Earner

Sole Proprietor/Partnership

Salary Account

Salary Earner

A copy of NRIC
Latest 3 months salary slip
Latest 3 months bank statements of salary credited account
Practicing certificate from Professional Bodies (for customer under Professional i.e doctor, dentist, etc)

And at least one (1) of the following: