Monday, 19 February 2018,   03 Jamadilakhir 1439H

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Home Personal Banking Loans > BSN MyRinggit > SKAN (Klasik)


BSN MyRinggit


SKAN (Klasik)

 

BSN MyRinggit SKAN is ideal for State Government Department employees who need
extra funds to meet their personal needs.


Eligibility

»  Malaysian citizen aged 21 to 60 years old (subject to retirement age during completion of the loan).
»  State Government Department employees maintained salary account under
    State Treasury / Finance Department.
»  Minimum fixed income of RM800 per month.
»  Permanent employee who has been employed for ≥3 months.
»  For contract / temporary employee (over 12 months’ service) - guarantor required.
»  BSN GIRO/i account holder.


Documents Required

» A copy of your NRIC (both sides).
» Confirmation letter from your employer with the below details:
   -  Name / NRIC No.
 -  Designation / Status
 -  Monthly Salary
 -  Date of Employment
 -  Date of Retirement
» A copy of Salary Slip:
  - Latest 2 months salary slip (Fixed Rate);
  - Latest 1 month salary slip (Floating Rate)
» Authorisation Letter of Salary Deduction (BSN 09-D).
   
   

Guarantor Eligibility

» Malaysian citizen.
» Aged 21 - 58 years old (subject to retirement age during completion of the customer’s loan).
» Employee of Federal Government Servant / State Government Department employees maintained salary account under Treasury / State Finance.
  Has been employed for more than 6 months.
» Minimum basic salary of RM800.
» BSN GIRO/i account holders.
   
   

Documents Required for Guarantor

» A copy of your NRIC (both sides).
» Confirmation letter from your employer with the below details:
   -  Name / NRIC No.
 -  Designation / Status
 -  Monthly Salary
 -  Date of Employment
 -  Date of Retirement
» A copy of Salary Slip:
  - Latest 2 months salary slip (Fixed Rate);
  - Latest 1 month salary slip (Floating Rate)
» Authorisation Letter of Salary Deduction (BSN 09-D).
   

 Note:  Subject to the Terms & Conditions.

 

Loan Limit

MinimumMaximum
RM5,000RM200,000

 Note:   Subject to monthly salary deduction limit of not more than 60%.

 

Fixed Rate

No.

Income

Interest Rate

Loan Period

1

RM800 to RM5,000

4.75%

Minimum : 2 years
Maximum: 10 years

2

> RM5,000

4.50%

 

Floating Rate

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 (%)

7.17

7.34

7.72

 Note:  Current BSN Base Rate *(BR) is 3.95% (with effect from 21st July 2016).

   
   

Charge (Late Payment)


»  Monthly Installments in Arrears  ×  1%  ×  Number Of Days Overdue  ⁄  365.
»  Calculate your monthly repayment. Click here.

 Note:  View all banking Rates & Charges.