Monday, 24 September 2018,   13 Muharram 1440H
Home Customer Care > Rates & Charges > Profit Rates (Islamic)

 


Base Financing Rate (BFR), Base Rate (BR) and Indicative Effective
Rate of Home Financing

 

Base Financing Rate

6.85% p.a.

Base Rate

4.10% p.a.

Indicative Effective Rate of a Standard RM350,000 Home Financing 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 (BFR & BR).
  ii) The above example is for illustration purposes only.

 

 


Profit Rates (Islamic)

 

 

Indicative Profit Rates (effective 16 September 2018 - 15 October 2018)

BSN SSPProfit Sharing RatioIndicative Profit Rates

RM10.00 until RM5,000.00

2:98 0.11%
> RM5,000.00 until RM50,000.00 3:97 0.17%
> RM50,000.00 6.5:93.5 0.36%


BSN Term Deposit-i (effective 20 February 2018)

Maturity PeriodProfit 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-i Senior Citizen (effective 15 March 2017)

Maturity Period Profit 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%


BSN MyRinggit-i (Islamic) - Flat Rate


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

No.

Income

Profit Rate

Financing Period

1

RM800 to RM5,000

4.75%

Minimum : 2 years
Maximum: 10 years

2

> RM5,000

4.50%

 

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

No.

Income

Profit Rate

Financing Period

1

RM2,500 to RM5,000

4.75%

Minimum : 2 years
Maximum: 10 years

2

> RM5,000

4.50%

 

BSN MyRinggit-i: Eksekutif-1

No Income Profit Rate Financing 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 Financing  : RM10,000
Maximum Financing :  10x of monthly gross income / maximum RM200,000.00 whichever is lower. 

 

BSN MyRinggit-i: PRIMA

SchemeProfit RateFinancing Period (years)
Prima 6.50% 2 - 10

»  Minimum financing for  Prima : RM10,000.00
»  Maximum financing for Prima : RM200,000.00

 

BSN MyRinggit-i: Sandaran BSN SSP

Scheme1 - 2 years3 - 10 years
Sandaran BSN SSP 3.00% 3.50%

»  Minimum financing for Sandaran BSN SSP : RM5,000.00
»  Maximum financing for Sandaran BSN SSP : 95% from the value of BSN SSP
    *If Financing amount is below RM10,000.00 and the Financing Period is 3-10 years, the Profit Rate is 4.00%. 

 

BSN MyRinggit-i: ATM (Salary Deduction)

Rank

Financing Amount

Financing Period

Profit Rate

Minimum

Maximum

For rank of Lieutenant or equivalent and above

RM5,000

RM 200,000

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-i: ATM (Non Salary Deduction)

Rank

Financing Amount

Financing Period

Profit 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%

 

 

BSN MyRinggit-i - Monthly Rest Basis

 

BSN MyRinggit-i: Executive-1 (Floating Rate)

Bil.

Income

Financing Limit

Profit Rate

Financing Period

1.

RM3,000 to RM5,000

5X of monthly gross income

BR + 5.00%

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

Minimum : 2 years
Maximum: 10 years

 

2.

> RM5,000 to 
RM10,000

7X of monthly gross income

3.

> RM10,000

10X of monthly gross income / maximum  RM200,000 (whichever is lower)

 

BSN MyRinggit-i SCOP, SKAP, BPA, SKAN (Floating Rate)

Financing Period (years)

2 - 10

Credit Score

1

2 & 3

4

Profit Rate (% per annum)

BR* + 3.22

BR* + 3.39

BR* + 3.77

Effective Profit Rate (%)

7.32

7.49

7.87

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