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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

5.35% p.a.

Base Rate

2.60% p.a.

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

3.10% p.a.
(BR + 0.50% p.a.)

Note:    
  i) With effect from 15 July 2020 (BFR & BR)
  ii) The above example is for illustration purposes only.
  iii) The Indicative Effective Profit Rate is for the standard mortgage financing offered by BSN.
  iv) Rates may vary for other mortgage scheme.
     

 

Deposit

 

BSN SSP Indicative Profit Rates (effective 16 October 2020 - 15 November 2020)

BSN SSPProfit Sharing RatioIndicative Profit Rates

RM10 - RM5,000

2:98 0.10%
> RM5,000 - RM50,000 3:97 0.15%
> RM50,000 6.5:93.5 0.34%

 

BSN Term Deposit-i (effective 15 July 2020)

TenureProfit Rate (p.a.)
1 month 1.75%
3 months 1.80%
6 months 1.85%
9 months 1.90%
12 months 2.20%
15 months 2.10%
18 months 2.10%
24 months 2.10%
36 months 2.10%
48 months 2.10%
60 months 2.10%

BSN Term Deposit-i Senior Citizen (effective 15 July 2020)

Tenure Profit Rate (p.a.)
RM5,000 - RM50,000 > RM50,000
12 months

2.10%

2.15%
15 months

2.15%

2.20%
18 months

2.15%

2.20%
24 months

2.15%

2.20%
36 months

2.15%

2.20%
48 months

2.15%

2.20%
60 months

2.15%

2.20%

 


 

Financing

 

Personal Financing

 

Public Sector

 

Fixed Rate

Floating Rate

4.60% to 6.99%

BR + 1.75% to BR + 3.77%

 Note:  

i. Additional 1% from the above profit rate for Financing without Takaful.
ii. Contracted Profit Rate (CPR): 15.00% (subject to change) – Floating Rate only.
iii. 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. Additional 1% from the above profit rate for Financing without Takaful.
ii. Contracted Profit Rate (CPR): 15.00% (subject to change).
 
 

BSN MyRinggit-i Professional

 
Floating Rate:

Tenure

Profit Rate

1 - 3 years

BR + 2.20%

4 - 10 years

BR + 2.65%

 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 + 1.05%

> RM50,000

BR + 0.85%

 Note:  

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+1.00% 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 2.35% p.a. to 3.00% p.a.
   
*Individual Profit Rate may vary subject to selected category and at BSN's discretion.
 
 

BSN MyAuto-i High Ranking Officials Scheme

Financing Tenure 

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 MyAuto-i UsedCar

Profit Rate*:
» Ranges from 3.00% p.a. to 3.80% p.a.
   
*Individual Profit Rate may vary due subject to the BSN valuation credit.
 
 

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 : 17.00%