Sunday, 15 December 2019,   17 Rabiulakhir 1441H

Personal Banking

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BSN MyRinggit (Eksekutif-1)

Our BSN MyRinggit Eksekutif-1 is exclusively designed to help you meet your personal financing needs at affordable rates.
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.


» Malaysian citizen aged 21 years old to 55 / 60* years old (subject to retirement age at the end of the loan tenure).
» Open to permanent & contract officers and staff that have minimum one year of working experience.
» Offered only to employees of Premier Developer Panel, Private Hospital, Telecommunication Company, Licensed Financial Institution, Multinational Company, PETRONAS Group of Companies, Selected Private University & College, Statutory Body, Government Link Company, Selected Public Listed Company in Main Market Bursa Malaysia (Financial, Plantation, Property, Technology, Trading / Service, Industrial Product, Consumer Sectors only) and Professionals (Doctor, Architect, Lawyer, Accountant and other certified Professionals).
» Minimum gross income of RM3,000 per month (permanent staff) & RM10,000 (contract staff).
» BSN GIRO/i Account holders.
Note: *Subject to employer confirmation

Documents Required

» A copy of NRIC (front and back);
». A copy of latest 3 months pay slip;
» Latest EPF statement; AND
» Confirmation Letter by Employer stating the below:
  - Name
  - NRIC
  - Designation
  - Monthly Salary
  - Date of Employment
» Latest EA / EC statement and latest e-filing form or any verified documents by the Inland Revenue Board (LHDN).
Note: All document copies to be certified by BSN's officer.

Loan Info


Fixed Rate

Floating Rate

Interest Rate

6.00% to 8.50%

BR + 5.00%

Interest Rate Without Insurance

Additional 1% from the above interest rate

Loan Limit



Loan Limit

RM3,000 to RM5,000

5x of monthly gross income

> RM5,000 to RM10,000

7x of monthly gross income

> RM10,000

10x of monthly gross income / maximum RM200,000 whichever is lower


Loan Tenure

Minimum: 2 years
Maximum: 10 years

Method of Payment

BSN Standing Instruction

Terms & conditions apply.


Late Payment Charge (LPC)

» Monthly Instalments in Arrears × 1% × Number Of Days Overdue / 365