Monday, 21 January 2019,   14 Jamadilawal 1440H
Home Customer Care > Rates & Charges > Interest Rates

 


Interest Rates

 
 

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Base Lending Rate (BLR), Base Rate (BR) and Indicative Effective Rate of Home Loan 

Base Lending Rate

6.85% p.a.

Base Rate

4.10% p.a.

Indicative Effective Rate of a Standard RM350,000 Home Loan for 30 Years with No Lock-in Period

4.70% p.a.
(BR + 0.60% p.a.)

Note:    
  i) With effect from 7th February 2018 (BLR & BR).
  ii) The above example is for illustration purposes only.
     

 

Deposit

 

BSN GIRO (effective 1 November 2016)

Balance in Account Interest Rate (p.a.)
All balances 0.25%

BSN Basic Savings (effective 1 November 2016)

Balance in Account Interest Rate (p.a.)
All balances 0.25%

BSN GIRO Corporate (effective 1 November 2016)

Balance in Account Interest Rate (p.a.)
≥ RM100 0.25%

BSN Smart Junior (effective 1 December 2013)

Balance in Account Interest Rate (p.a.)
Below RM150 0.35%
RM150 - RM25,000 1.20%
Above RM25,000 1.70%

BSN GIRO eSaver (effective 15 November 2010)

Balance in Account Interest Rate (p.a.)
Up to RM500 0.30%
> RM500 - RM5,000 0.40%
> RM5,000 - RM25,000 0.50%
> RM25,000 - RM50,000 0.75%
> RM50,000 - RM100,000 1.00%
> RM100,000 - RM500,000 1.75%
> RM500,000 2.00%

BSN CHESS (effective 8 May 2009)

Period of Savings Interest Rates (p.a.) Bonus
1 - 5 years 2.50% 15% on interest earned
6 - 10 years 2.50% 20% on interest earned
11 - 15 years 2.50% 25% on interest earned
16 - 20 years 2.50% 30% on interest earned

BSN SEDAR (effective 8 May 2009)

Period of Savings Interest Rates (p.a.) Bonus
First Year (12 months) 2.50% 15% on interest earned
Second Year (24 months) 2.50% 30% on interest earned
Subsequent Years 2.50% 30% on interest earned

BSN Skim Galakan Simpanan Pelajar  (effective 1 March 2015)

Savings Amount Interest Rates (p.a.)
Below RM150 0.35%
RM150 - RM25,000 1.20%
Above RM25,000 1.60%

BSN Term Deposit (effective 20 February 2018)

Tenure Interest Rate (p.a.)
1 month 3.20%
3 months 3.25%
6 months 3.30%
9 months 3.35%
12 months 3.65%
15 months 3.50%
18 months 3.50%
24 months 3.50%
36 months 3.50%
48 months 3.50%
60 months 3.50%

BSN Term Deposit Senior Citizen (effective 15 March 2017)

Tenure

Interest Rate (p.a.)

RM5,000 – RM50,000

> RM50,000

12  months

3.55%

3.60%

15  months

3.55%

3.60%

18  months

3.55%

3.60%

24  months

3.55%

3.60%

36  months

3.55%

3.60%

48  months

3.55%

3.60%

60  months

3.55%

3.60%

 


 

Loan

 

Flat Rate

 

BSN MyRinggit: SKAP, SCOP, BPA & SKAN (Klasik)

No.

Income

Interest Rate

Loan Period

1

RM1,500 to RM5,000

4.75%

Minimum : 2 years
Maximum: 10 years

2

> RM5,000

4.60%

 

BSN MyRinggit: SKAP, SCOP, BPA & SKAN (Super Klasik B)

No.

Income

Interest Rate

Loan Period

1

RM2,500 to RM5,000

4.75%

Minimum : 2 years
Maximum: 10 years

2

> RM5,000

4.60%

 

BSN MyRinggit: SKAP & SCOP (Klasik) RBP

Loan Period

1 – 5 years

6 – 10 years

Interest Rate

4.60%

5.30%

Note: *Risk Base Prising (RBP) package is subject to CCRIS reading.

 

BSN MyRinggit: EKSEKUTIF -1

No Income Interest Rate Loan Limit Tenure
1 RM3,000 to RM5,000 8.50% 5x of monthly gross income

Minimum: 2 years

Maximum: 10 years

2 > RM5,000 to RM10,000 7.00% 7x of monthly gross income
3 > RM10,000 6.00% 10x of monthly gross income / Maximum RM200,000.00 whichever is lower

Minimum Loan  : RM10,000
Maximum Loan :  10x of monthly gross income / Maximum RM200,000 whichever is lower. 

 

BSN MyRinggit: ATM (Salary Deduction)

Rank

Loan Amount

Loan Period

Interest Rate

Minimum

Maximum

For rank of Lieutenant or equivalent and above

RM 5,000

RM200,000

1-10 years

4.99%

For rank of Second Lieutenant or equivalent and below

35 x of monthly gross income / up to
RM 200,000 (whichever is lower)

5.29%

 

BSN MyRinggit: ATM (Non Salary Deduction)

Rank

Loan Amount

Loan Period

Interest Rate

Minimum

Maximum

For rank of Lieutenant or equivalent and above

RM 5,000

10 x of monthly  gross income / up to
RM 200,000 (whichever is lower)

1-10 years

6.99%

 

Floating Rate

 

BSN MyRinggit SCOP, SKAP, BPA, SKAN

Loan Period (years)

2 - 10

Credit Score

1

2 & 3

4

Interest Rate (% per annum)

BR* + 3.22

BR* + 3.39

BR* + 3.77

Effective Lending Rate (%)

7.32

7.49

7.87

 Note:  Current BSN Base Rate *(BR) is 4.10% (with effect from 7th February 2018).

   

BSN MyRinggit - Sandaran BSN Term Deposit

Scheme Less than RM100,000 More than RM100,000
Sandaran BSN Term Deposit BR + 2.50% BR + 2.00%

»  Minimum loan for Sandaran BSN Term Deposit : RM5,000.00
»  Maximum loan for Sandaran BSN Term Deposit : 95% from the value of Sijil Simpanan Tetap

 

BSN MyRinggit Eksekutif-1

Scheme Tenure (years) Rate
EKSEKUTIF-1 (Floating Rate)

2 - 10

subject to :
i. The retirement age, whichever is earlier; OR
ii. Customer qualification 


BR + 5.00% (monthly rest basis)

Current BSN Base Rate (BR):
4.10% (with effect from 7th February 2018)

 

BSN MyRinggit ASB

Loan Amount

Loan Period

Interest Rate

Minimum

Maximum

RM 10,000

    RM 200,000 (excluding others charges)

5-30 years or subject to the maximum age of 65 years, whichever is earlier.

BR + 1.25%
Loan amount up to RM 50,000

BR + 1.05%
Loan amount from RM 50,001 – RM 150,000

BR + 0.85%
Loan amount above RM 150,000

Current BSN Base Rate (BR):
4.10% (with effect from 7th February 2018)

 

 

Others

 

BSN MyHome (Residential Property)

No.

Loan Amount

Tenure

Interest Rate Finance Entry Cost (FEC)

Completed and Under Construction Property

1

RM100,000 and below

Whole Tenure

BR + 3.00%

2

> RM100,000 to < RM300,000

BR + 0.60%

3

> RM300,000 to < RM500,000

 BR + 0.50%

4

RM500,000 and above

BR + 0.40%

 

BSN MyHome (Program Perumahan Rakyat)

» Interest rate of BR + 3.00%

 

BSN MyHome (Commercial Property)

Loan Amount

Tenure

Interest Rate

Completed / Under Construction Property

RM100,000 and above

Year 1

3.00%

Year 2

BR + 1.50%

Thereafter

BR + 3.20%

Loan Amount

Tenure

Completed Property

RM250,000 and above

Year 1

4.00%

Thereafter

BR + 1.50%

 Notes:  

» For loan amount of RM350,000 and above with 20 years of loan tenure, the indicative interest rate is BR + 1.50%*.
» *Eligibility for age limit of 70 years old is subject to Bank's Terms & Conditions.
   
*Subject to terms and conditions.

 

BSN MyHome (Youth Housing Scheme)

» Pricing range between BR+0.60% up to BR+3.00% subject to customer's profile and property location.
» For loan amount of RM350,000 and above with 30 years of loan tenure, the indicative interest rate is BR + 0.80%*.
   
*Subject to terms and conditions.

 

BSN MyAuto

Interest Rate*:
» Ranges from 2.55% p.a. to 3.15% p.a.
   
*Individual rate may vary subject to selected category and at BSN's discretion.

 

BSN MyAuto High Ranking Officials Scheme

Financing Tenure 

Vehicles Category


Vehicles Category
Non-National & Unregistered Reconditioned

National

3 – 4 years

2.53% p.a.

2.85% p.a.

5 – 9 years

2.63% p.a.

2.95% p.a.

 

BSN Micro

Scheme

Loan Amount (RM)

Tenure

Interest Rate

BSN Micro TemaNiaga

RM5,000 – RM50,000

1 – 5 years

Flat Rate
Minimum : 6.38% 
Maximum : 17.0%

BSN Micro TemanMesra

RM5,000 – RM50,000

1 – 5 years

Flat Rate
Minimum : 6.38% 
Maximum : 17.0%

BSN Microplus

RM50,001 – RM250,000

1 – 7 years

Floating Rate
Minimum : BR + 5.85%
Maximum : BR + 9.40%
Note : Base Rate (BR) as at 7th Feb 2018 is 4.10%.