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Profit Rates

 
 

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

Base Financing Rate

6.60% p.a.

Base Rate

3.85% p.a.

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

 

Deposit

 

BSN SSP Indicative Profit Rates (effective 16 November 2019 - 15 December 2019)

BSN SSPProfit Sharing RatioIndicative Profit Rates

RM10 - RM5,000

2:98 0.13%
> RM5,000 - RM50,000 3:97 0.19%
> RM50,000 6.5:93.5 0.42%

 

BSN Term Deposit-i (effective 13 May 2019)

TenureProfit 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-i Senior Citizen (effective 13 May 2019)

Tenure Profit 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%

 


 

Financing

 

Personal Financing

 

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 profit rate for Financing without Takaful.
iii. Contracted Profit Rate (CPR): 15.00% (subject to change) – Floating Rate only.
iv. Terms and conditions apply.
 
 

Private Sector

 

BSN MyRinggit-i Eksekutif-1

 

Fixed Rate:

Income

Profit Rate

Financing 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 profit rate for Financing without Takaful.

   

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 profit rate for Financing without Takaful.
iii. Contracted Profit Rate (CPR): 15.00% (subject to change).
 
 

 

BSN MyRinggit-i PRIMA

 
Fixed Rate: 6.50%
 

 Note:  Additional 1% from the above profit rate for Financing without Takaful.

 
 

Pledging Financing

 

BSN MyRinggit-i Sandaran BSN SSP

Financing Tenure (years)

Profit Rate

Minimum Financing Amount

1 to 2

3.00%

RM5,000

3 to 10

3.50%

RM10,000

3 to 10

4.00%

< RM10,000

 

ASB Financing

 

BSN MyRinggit-i ASB

Financing Amount

Profit Rate

≤ RM50,000

BR + 1.25%

RM50,001 – RM150,000

BR + 1.05%

> RM150,000

BR + 0.85%

 Note:  

i. Current BSN Base Rate (BR) *3.85% (with effect from 13th May 2019).
ii. Contracted Profit Rate (CPR): 15.00% (subject to change).
 
 

 

Others

 

BSN MyHome-i (Residential Property)

No.

Financing Amount

Tenure

Profit 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-i (Commercial Property)

Financing Amount

Tenure

Completed Property

RM 250,000 and above

Year 1

4.00%

Thereafter

BR + 1.50%

 Notes:  

» For financing amount of RM350,000 and above with 20 years of financing tenure, the indicative profit rate is BR + 1.50%*.
   
*Subject to terms and conditions

 

BSN MyHome-i (Youth Housing Scheme)

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

 

BSN MyAuto-i

Profit 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-i 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-i

Scheme

Financing Amount (RM)

Tenure

Profit Rate

BSN Micro-i TemaNiaga

RM5,000 – RM50,000

1 – 5 years

Flat Rate
Minimum : 6.38% 
Maximum : 17.0%