Personal Financing for Professional Program

Benefits & Features

Financing Quantum

Based on eligibility limit and subject to minimum amount of RM10,000 and maximum amount of RM400,000

Payment Period

Maximum of 10 years (120 months) or up to the retirement age, whichever is earlier

Financing Rate Offer With Takaful Coverage

Floating Rate

1-3 years : SBR + 2.97% p.a (Profit is calculated on a daily basis based on “Monthly Rest”)
4-10 years : SBR + 3.18% p.a (Profit is calculated on a daily basis based on “Monthly Rest”)

Note: Current Standard Base Rate (SBR) is 3.00% p.a. (Effective 5 May 2023)

Financing Rate Offer Without Takaful Coverage

Floating Rate

1-3 years : SBR + 4.45% p.a (Profit is calculated on a daily basis based on “Monthly Rest”)
4-10 years : SBR + 6.35% p.a (Profit is calculated on a daily basis based on “Monthly Rest”)

Note: Current Standard Base Rate (SBR) is 3.00% p.a. (Effective 5 May 2023)

Eligibility & Requirements

Applicant must be above 25 years old and not exceeding the retirement age at the end of payment period
Malaysian citizen
Working as a professional in Medical Doctor, Dentist, Accountant, Engineer, Lecturer, Architect, Safety Officer, Pharmacist, Veterinary, Optometrist or Optician, Quantity Surveyor and Actuary
Minimum basic salary of RM4,000 for Non-Package
Minimum basic salary of RM5,000 for Engineer & Accountants
Minimum basic salary of RM15,000 for financing above RM300,000 under Professional Program

Documents Required

Additional Documents For Respective Professional

Safety Officer
OSH officer credential certificate issued by Chief Director of Department of Occupational Safety and Health (DOSH);

Optometrist & Optician
Degree in Optometry (For optometrist) or at least Diploma in relevant field (Optician) AND;
Registered membership with The Malaysian Optical Council (MOC) OR;
Annual Practicing Certificate (APC) from MOC OR;
Optical Lenses Permit (For Optician)

Actuary
Degree in Actuarial Science or any related course AND;
Registered membership with Actuarial Society of Malaysia OR;
Certificate from one of institution below:
- Society of Actuaries (SOA) – United States
- Casualty Actuarial Society (CAS) – United States
- Institute and Faculty of Actuaries (I&FA) – United Kingdom
- Actuaries Institute – Australia