Tuesday, 4 August 2020,   14 Zulhijjah 1441H
Home Islamic Banking > Financing > BSN MyRinggit-i PRIMA

BSN MyRinggit-i PRIMA


BSN MyRinggit-i PRIMA is specially tailored to help medical practitioners secure the personal financing they need. No guarantor is required.


Shariah Concept
Based on the Shariah concept Tawarruq which comprises of Bai Murabahah and Wakalah contracts, using the commodity (underlying asset) provided by Approved Commodity Provider.



»  Malaysian citizens aged from 21 years old to:
   -  65 years old (for Medical Doctors)
   -  50 years old (for Medical Officers)
   -  Minimum gross income of RM3,000.00 per month.
   -  BSN GIRO/i account holder.

Documents Required

» Copy of NRIC (front and back).
» Copy of certificate issued by Malaysian Medical Council:
-  Perakuan Pendaftaran Sementara (Borang 5-Peraturan 20, Akta Perubatan 1974); or
-  Perakuan Amalan Tahunan (Borang 12-Seksyen 20, Akta Perubatan 1974
»  Authorised business registration.
-  Bank Statement for the current three (3) months (either upon the clinic's name or proof of income in relation to medical practices.
-  Authorised documents as a Specialist Doctor or Confirmation Letter from Employer / Supervising Doctor.


» Mode of payment is via BSN Standing Instruction
» No guarantor needed.

Financing Limit

Financing Limit
Minimum RM10,000.00
Maximum RM200,000.00


Profit RateFinancing Period (years)
6.50% 2-10 years


Additional 1% from the above profit rate for Financing without Takaful.

Late Payment Charges Based on Ta'widh (Compensation)

  Within the Facility Period

    Overdue instalment(s) x 1% x No. of overdue day(s)



»  After the Facility Period

    Outstanding principal x IIMM* x No. of overdue day(s)




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