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Pinjaman Peribadi Bank Islam

Bank Islam Personal Financing-i Facility


Bank Islam Malaysia Berhadis an Islamic bank that has been in operation since July 1983. The bank currently provides Shariah-compliant card services and mobile banking, in addition to traditional banking.


Any Malaysian regardless or religion can open an account, invest and apply for banking facilities from Bank Islam. Bank Islam offers Personal Financing-I subject to a minimum of RM5,000.


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

Payment Period for Personal Financing-I


Secured against fixed deposit or structured investment

  • Maximum of 5 years (60 months) with no age limit
  • Secured against unit trust
  • Maximum of 5 years (60 months) or up to the retirement age or up to 70 years old, whichever is earlier

Financing Rate Offer

Profit rate – Base Financing Rate (BFR) + 1%


Customer Eligibility for Personal Financing-I

  • 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 fixed income of RM1,500.00 per month
  • Salary earner or sole proprietorship/partnership
  • For sole proprietorship/partnership – minimum 2 years in business
  • Total deduction must not exceed 50% of gross salary or 75% inclusive of home financing

Document needed for Salary Earner:

  • Photocopy of Identity Card
  • Latest payslip
  • Latest letter of confirmation from employer (salary earner)
  • Certificate of registration with Malaysian Medical Council or Malaysian Dental Council
  • And at least one (1) of these:
  • Latest income statement (Form B/eBE/ EA/EC); or
  • Latest 3 months Bank Statements of salary crediting account; or
  • Any other latest supporting document such as EPF statement, if required

Document needed for Sole Proprietor/Partnership:

  • Photocopy of identity card
  • Business Registration
  • Last 6 months current account statement
  • Latest Annual income statement (BE/B Form) with payment receipt
  • Last 2 years financial statement
  • Certificate of registration with Malaysian Medical Council or Malaysian Dental Council

Customers will be given the option in selecting the payment method


For Salary earner applicant:

  • Salary Deduction
  • Salary Transfer to Bank Islam with Auto-debit Instruction
  • Auto-debit Instruction from other Banks (from salary credited account)

For Sole Proprietorship or Partnership:

  • Auto-debit Instruction from Bank Islam or other Banks (from salary credited/business account)
  • Standing instruction from current account linked to the Personal Cash Line-i

Benefits customers will enjoy

  • Competitive rate
  • No commitment fee
  • No hidden charges
  • No guarantor is required
  • No processing fee
  • Flexible financing tenure
  • Selling price – fixed and known
  • Fast approval