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| Why This Financing Facility? |
A hassle free personal financing to fulfill your dreams. No Collaterals. No guarantor for financing below RM5,000-00 |
A very special featured product to cater all government servants. No guarantor, no collaterals and easy to apply. |
A hassle free personal financing to fulfill your dream. No Collaterals. No guarantor. |
An Islamic pawn broking scheme based on Shariah principles that provide you immediate cash by pawning your gold jewellery
*Please note that this product is only available at the Wisma Square Point (Kota Bharu) and Pasir Putih branches in Kelantan |
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| Eligibility |
• Individual applicant only
• Aged between 21 and 60 years upon application
• Minimum income RM 800 (basic + fixed income only)
• Open to Micro-entrepreneurs, factory workers, clericals, etc |
• Individual applicant only
• Aged between 18 and 58 years upon application
• Minimum income RM1,500 (basic + fixed allowances)
• Open to all government servant |
• Individual applicant only
• Aged between 21 and 60 years upon application
• Minimum income RM2,000(basic + fixed income only) |
• Malaysian • Permanent Residents • Non- Malaysian • Aged between 21 to 70 years old |
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| Collaterals |
Nil |
Nil |
Nil |
• Gold jewellery only • Gold Standard : 18K to 24K |
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| Margin of Financing |
5X Gross Income |
Up to 60% Angkasa deduction |
5X Gross Income |
• Up to 75% of daily gold market value |
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| Financing Amount |
Min : RM 3,000 Max : RM 50k
* Subject to 5x gross salary |
Minimum – RM1,000 Maximum – RM200,000
*Subject to maximum 60% of total income |
Min : RM 2,000 Max : RM 100,000*
* Subject to 5x gross salary |
• Minimum : RM 100 or 5 grams of gold (whichever is higher) • Maximum : RM 20,000 |
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| Financing Tenure |
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Minimum – 6 months |
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Maximum – 5 years |
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Minimum – 12 months |
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Maximum – 20 years |
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Minimum – 12 months |
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Maximum – 5 years |
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• 1 month to 6 months • Auto extension of 3 months (applicable to Non-Delinquent accounts only) |
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| Takaful Coverage |
Yes |
Yes |
NIL |
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