Monday, 19 February 2018,   02 Jamadilakhir 1439H

Personal Banking

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


BSN MyRinggit


SKAP (Klasik)


BSN MyRinggit SKAP personal loans are designed to help Federal Government
Servants achieve their personal financing needs with ease.


Eligibility

» Malaysian citizen aged 21 to  60 years old (subject to retirement age during completion of the loan).
» Permanent Federal Government Servant.
» Permanent employee who has been employed for more than 3 months – no guarantor required.
» Minimum fixed income of RM800 per month.
» 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 to 58 years old (subject to retirement age during completion of the customer’s loan).
» Employee of Federal Government Servant.
» Has been employed for more than 6 months.
» Minimum basic salary of RM800 (subject to equivalent or higher than the basic salary of the borrower).
» 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%


Fixed Rate (*RBP)

Loan Period1 - 5 years6 - 10 years
Interest Rate4.60%5.30%

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

 

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.