Tuesday, 21 November 2017,   02 Rabiulawal 1439H

Personal Banking

Home Personal Banking Loans > BSN MyRinggit > SKAP (Klasik)


BSN MyRinggit


SKAP (Klasik)


BSN MyRinggit SKAP personal loans are designed to help Federal Government
Servants achieve their personal financing needs with ease.


Eligibility

»  Malaysian citizen aged 21 to  60 years old (subject to retirement age during completion of the loan).
»  Permanent Federal Government Servant.
»  Aged 21 - 60 years old (subject to retirement age during completion of the loan).
»  BSN GIRO/i  Account Holder.
»  Minimum fixed income of RM800 per month.
»  Permanent employee who has been employed for more than 3 months – no guarantor required 
»  For contract / temporary employee (over 12 months’ service) - guarantor required.


Document Required

»  A copy of your NRIC (both sides).
»  Confirmation letter from your employer with the below details:
    -  Name / NRIC No.
    -  Designation / Status
    -  Monthly Salary
    -  Date of Employment
    -  Date of Retirement
»  A copy of latest 2 months salary slip.
»  Authorisation Letter of Salary Deduction (BSN 09-D).


Guarantor Eligibility

» Malaysian citizen aged 21 to 58 years old (subject to retirement age during completion of the customer’s loan)
»  Employee of Federal Government Servant.
»  Has been employed for more than 6 months.
»  Minimum basic salary of RM800 (subject to equivalent or higher than the basic salary of the borrower).
»  BSN GIRO/i account holders.

 


Document Required for Guarantor

»  A copy of your NRIC (both sides).
»  A copy of latest 2 months salary slip.
»  Confirmation letter from your employer with the below details:
    -  Name / NRIC No.
    -  Designation / Status
    -  Monthly Income
    -  Date of Employment
»  Authorisation Letter of Salary Deduction (BSN 09-D).

 Note: 

»  *Subject to the Term & Conditions.


Loan Limit

MinimumMaximum
RM5,000RM200,000

 Note: 

»  Subject to monthly salary deduction limit of not more than 60%.

 

Rate (Normal)

No.

Income

Interest Rate

Loan Period

1

RM800 to RM5,000

4.75%

Minimum : 2 years
Maximum: 10 years

2

> RM5,000

4.50%


Rate (*RBP)

Loan Period1 - 5 years6 - 10 years
Interest Rate4.60%5.30%
Note:
          »  *Risk Base Pricing(RBP) package is subject to the CCRIS reading.

 

Charge (Late Payment)


»  Monthly Installments in Arrears  ×  1%  ×  Number Of Days Overdue  ⁄  365.

»  Calculate your monthly repayment. Click here.

 Note:

»  View all banking Rates & Charges.