Wednesday, 18 September 2019,   17 Muharram 1441H
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Interest Rates

 
 

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

Base Lending Rate

6.60% p.a.

Base Rate

3.85% p.a.

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

4.45% p.a.
(BR + 0.60% p.a.)

Note:

   
  i) With effect from 13th May 2019 (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 13 May 2019)

Tenure Interest Rate (p.a.)
1 month 3.00%
3 months 3.05%
6 months 3.10%
9 months 3.15%
12 months 3.45%
15 months 3.35%
18 months 3.35%
24 months 3.35%
36 months 3.35%
48 months 3.35%
60 months 3.35%

BSN Term Deposit Senior Citizen (effective 13 May 2019)

Tenure

Interest Rate (p.a.)

RM5,000 – RM50,000

> RM50,000

12  months

3.35%

3.40%

15  months

3.40%

3.45%

18  months

3.40%

3.45%

24  months

3.40%

3.45%

36  months

3.40%

3.45%

48  months

3.40%

3.45%

60  months

3.40%

3.45%

 


 

Loan

 

Personal Loan

 

Public Sector

 

Fixed Rate

Floating Rate

4.60% to 6.99%

BR + 3.22% to BR + 3.77%

 Note:  

i. Current BSN Base Rate (BR) *3.85% (with effect from 13th May 2019).
ii. Additional 1% from the above interest rate for Loan without Insurance.
iii. Terms and conditions apply.
 
 

Private Sector

 

BSN MyRinggit Eksekutif-1

 

Fixed Rate:

Income

Interest Rate

Loan Limit

RM3,000 to RM5,000

8.50%

5x of monthly gross income

> RM5,000 to RM10,000

7.00%

7x of monthly gross income

> RM10,000

6.00%

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

 Note:  Additional 1% from the above interest rate for Loan without Insurance

   

Floating Rate:

BR + 5.00%
 

 Note:  

i. Current BSN Base Rate (BR) *3.85% (with effect from 13th May 2019).
ii. Additional 1% from the above interest rate for Loan without Insurance.
 
 
 

Pledging Loan

 

BSN MyRinggit Sandaran BSN Term Deposit

Loan Amount

Interest Rate

< RM100,000

BR + 2.50%

≥ RM100,000

BR + 2.00%

 Note:  Current BSN Base Rate (BR) *3.85% (with effect from 13th May 2019)

   
   

ASB Loan

 

BSN MyRinggit ASB

Loan Amount

Interest Rate

≤ RM50,000

BR + 1.25%

RM50,001 – RM150,000

BR + 1.05%

> RM150,000

BR + 0.85%

 Note:  Current BSN Base Rate (BR) *3.85% (with effect from 13th May 2019)

   
   

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 : Current BSN Base Rate (BR): 3.85% (with effect from 13th May 2019)