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BSN MyRinggit-i (Public Sector)

Shariah Concept

Based on the Shariah concept of Tawarruq which comprises of Bai Murabahah and Wakalah contracts using the commodity (underlying asset) provided by the approved commodity provider.

Based on the Shariah concept of Tawarruq which comprises of Bai Murabahah and Wakalah contracts using the commodity (underlying asset) provided by the approved commodity provider.

What Next?

Apply for BSN MyRinggit-i

View Product Disclosure Sheet.

Can you afford the monthly payments? Let's try and calculate.

*View Current BSN Base Rate (BR) / Base Financing Rate (BLR).

Eligibility

»	Malaysian citizen aged 21 years old to 60 years old (subject to retirement age at the end of financing tenure).
»	Works in government sector / GLA / GLC / organizations which has the facility of salary deduction through BPA.
»	Minimum income of RM1,500 per month.
»	Permanent employee who has been employed for 3 months and above.
»	Contract / temporary employee (over 12 months' service).
»	BSN Giro/i account holder.

Documents Required

1.	A copy of NRIC (both sides).
2.	Confirmation letter from employer; AND
3.	Latest 2 months' salary slip.

Financing Info

	Fixed Rate	Floating Rate
Profit Rate	4.60% to 6.99%	BR + 3.22% to BR + 3.77%
Financing rate without Takaful	Additional 1% from the above profit rate
Financing Limit	Minimum: RM5,000 Maximum: RM200,000
Financing Tenure	Up to 10 years

Terms & conditions apply.

Late Payment Charges Based On Ta'widh (Compensation)

»	Within the Facility Period
	Overdue instalment(s) x 1% x No. of overdue day(s) 365

»	After the Facility Period
	Outstanding principal x IIMM* x No. of overdue day(s) 365

Note:
»	Islamic Interbank Money Market (IIMM) is subject to change from time to time.
»	View all banking Rates & Charges.