AFFIN Islamic Personal Financing-i


Financing Tenure

  • Minimum: 2 years

  • Maximum: 10 years or until the age of 60 years, whichever is earlier

  • Maximum (Pensioners): 10 years or until the age of 70 years, whichever is earlier

            Financing Amount

            • Minimum: RM2,500 or RM5,000 for pensioners

            • Maximum: RM250,000; Terms and conditions apply 

                      Profit Rates

                      Offers both fixed and variable rates


                      • Profit rate shall be determined at the point of entry.

                      • The profit rate may vary depending on the type of financing package.


                                Financing for Unplanned Expenses

                                Don't let emergency bills stack up. Get faster access to the funds needed to pay for these expenses.

                                Shariah-Compliant Financing

                                Based on the Shariah concept of Tawarruq (Commodity Murabahah).

                                Takaful Coverage

                                • Group Credit Term Takaful (GCFT) plan is highly encouraged to ensure that you and your family are protected.

                                • The single contribution is deductible from the approved financing amount upon disbursement.

                                Skip the Hassle

                                No guarantor or collateral is required. But, security deposit or advance payment is subject to the Bank's requirement.

                                Rebate for Early Settement

                                Enjoy zero fee for early settlement before maturity and be rewarded with rebate (ibra’) which is equivalent to the deferred profit at the point of settlement.

                                ​​​​​​​Ceiling Profit Rate

                                Get protected against a higher rate by profit rate capped at 15% per annum.
                                *Applicable for variable financing rate only



                                Salaried customers including Special Financing Programme

                                Pensioners under the Government Pension Scheme A only (pension payment credited into pensioner's bank account). It is also applicable to widow/widower of the pensioner who received Pension Derivatives with minimum entry age of 21 years old.
                                ​​​​​​​Government servants.

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