Wednesday, 12 December 2018,   03 Rabiulakhir 1440H
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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

6.85% 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 (BLR & BR).
  ii) The above example is for illustration purposes only.
     

 

Deposit

 

BSN SSP Indicative Profit Rates (effective 16 November 2018 - 15 December 2018)

BSN SSPProfit Sharing RatioIndicative Profit Rates

RM10 - RM5,000

2:98 0.10%
> RM5,000 - RM50,000 3:97 0.16%
> RM50,000 6.5:93.5 0.34%

 

BSN Term Deposit-i (effective 20 February 2018)

TenureProfit 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)

Tenure 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%

 


 

Financing

 

Flat Rate

 

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

No.

Income

Profit Rate

Financing Period

1

RM1,500 to RM5,000

4.75%

Minimum : 2 years
Maximum: 10 years

2

> RM5,000

4.60%

 

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

4.60%

 

BSN MyRinggit-i: SKAP & SCOP (Klasik) RBP

Financing Period

1 – 5 years

6 – 10 years

Profit Rate

4.60%

5.30%

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

 

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: 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: 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%. 

 

Floating Rate

 

BSN MyRinggit-i SCOP, SKAP, BPA, SKAN

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).

   

BSN MyRinggit-i: Eksekutif-1

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)

 

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%