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Interest Rate Financing Tenure(years) Loan Type Min. Income
From 8.59% p.a. up to RM150k up to 7 years Unsecured Loan RM2,000/month

Loan Calculator


Daily Installment

RM 0.00

Monthly Installment

RM 0.00

Interest Rates

Based on your loan amount & loan period, the interest rates are as low as the following:

You Borrow Loan Period Your Income Interest Rate
RM2,000 - RM15,000 12 to 84 months min. RM18,000 13.76% p.a.
RM16,000 - RM50,000 12 to 84 months min. RM18,000 12.02% p.a.
RM51,000 - RM99,000 12 to 84 months min. RM18,000 10.3% p.a.
RM100,000 - RM150,000 12 to 84 months min. RM18,000 8.59% p.a.

Fees & Charges

Fees Charges
Interest Rate / APR As low as 8.59% p.a.,depending on loan amount and period
Processing Fee None
Stamp Duty 0.5% of the whole amount
Early Termination Fee RM100 or 1% of remaining amount, whichever is higher with lock-in period of first 6 months
Late Penalty Fee 1% from current outstanding amount

Requirements


Requirements
Minimum Annual Income RM24,000
Minimum Age 21 to 55 years old
Who Can Apply Malaysians
Private Sector Employee Only
Salaried employee

More Information


RHB PERSONAL FINANCING PRODUCT FEATURES
Approval Duration Min. Loan Amount Max. Loan Amount
Within 24 hours RM 2,000 RM 150,000
OTHER PRODUCT FEATURES
Interest Rate Min. Loan Tenure Max. Loan Tenure Debt Consolidation
Fixed rate of 8.59% - 13.76% per annum 1 year 7 years Yes

About RHB Personal Financing

The RHB Group is committed to a high level of innovation and forward-thinking which makes it a local favourite among the people of Malaysia and a preferred financial service provider across Asia.

RHB, in Malaysia, caters to a wide variety of customers through banking and financial services like asset management, premier banking, investment banking, loans, credit cards and Islamic banking.

How much money can I borrow from RHB Personal Financing?

Previously known as RHB Easy-Pinjaman Ekspres, this RHB personal loan really is an express loan, you can be approved immediately for borrowing between RM2,000 and RM150,000.

You can even choose loan repayment terms for up to 7 years.

How much does this personal financing cost?

There are no processing fees and no hidden charges with RHB Personal Financing.

You will need to pay Government Stamp Duty on the amount you borrow, this is calculated at 0.50% of the total amount loaned.

What do I need to bring to apply for this RHB loan?

First of all, this RHB Personal Financing is open to Malaysians working in the private sector only.

Once your loan is conditionally approved, all you need to bring along with you to the bank branch is your IC.

With biometric verification, all your income data needed will be auto-filled electronically by RHB. No documents or forms to fill out!

However, you will need to prepare the following documents upon the bank's request.

Salaried Employee:

  • A copy of your IC (both sides)

    • Latest 3-months salary slips

  • Latest 12-months EPF statement
  • Letter of Employment (mandatory for employment below 6 months)

    • Self-Employed:

  • A copy of your IC (both sides)

    • And the following extra documents upon the bank's request:

  • Latest 6-months bank statement
  • Latest Form B/BE with an official tax receipt
  • A copy of Forms 9, 24 and 49
  • Latest Notice of Assessment & latest tax payment receipt (for those working in Singapore)

    • How do I get my hands on the money?

    Apply at your selected RHB branch and if you meet all the requirements your loan will be approved on the spot.

    The cash will be deposited into your savings or current account.

    How do I pay the money back?

    Your repayment schedule will be detailed in your application approval document.

    In most cases, payments begin the month following the date you receive your RHB loan and continue every month until the loan has been completely repaid.

    If you're late on your repayments, you will be charged 1% p.a. on the outstanding balance, resulting in a higher loan amount!

    Can I pay my RHB Personal Financing off early?

    You can settle your loan whenever you want.

    If you'd like to repay in full before the full loan term is up, you will need to pay an early termination fee of RM100 or 1% of your total loan approved amount (whichever is higher).

    Do note that there is a lock-in period of 6 months from the date of your offer letter.

    Is there anything else I should know about this personal loan?

    Please note that this is a reducing balance type of loan.

    Your RHB Personal Financing instalments are fixed each month but the amount of interest you pay gets less and less with each passing month.

    How do I clear my name if I have been 'blacklisted' by CCRIS?

    Your entire credit history is recorded in CCRIS.

    To improve your credit rating with the bank, you'll want to settle all outstanding payments and loans.

    Make sure that you settle all your monthly payments regularly thereafter.

    Need help managing your debt and getting back on track?

    Get in touch with AKPK - their experienced counsellors can point you in the right direction with AKPK's Financial Counselling and Debt Management program.

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