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Personal Financing-i | 01 May 2018-30 June 2018
Online
Customers who apply via www.hlisb.com.my
Category |
Cash Back % |
Approved Facility Amount |
|---|---|---|
New Customer* |
60% |
RM5,000-RM150,000 |
Existing Customer** |
40% |
RM5,000-RM150,000 |
*Customer who does not have a personal loan/financing-i with any bank or financial service provider before the campaign period.
**Customer who has a personal loan/financing-i with any bank or financial service provider before the campaign period.
Our profit rate
- Profit Rates are charged based on Approved Facility Amount and Gross Income, up to a maximum profit rate of 12.50% per annum.
- Available financing tenure: 2-5 years.
Gross Income |
||
|---|---|---|
RM2,000-RM3,999 per month |
>RM4,000 per month |
|
Approved Facility Amount (RM) |
Profit Rate (% p,a.) |
Profit Rate (% p.a.) |
5,000 – 19,000 |
12.50% |
12.50% |
20,000 – 49,000 |
12.50% |
12.50% |
50,000 – 99,000 |
12.50% |
11.00% |
100,000 – 149,000 |
12.50% |
10.00% |
150,000 |
12.50% |
9.00% |
Example Illustration of Cash Back:
Facility Amount: RM20,000 (A)
Facility Tenure: 5 years (B)
Promotion |
Before Cashback |
After Cashback |
||
|---|---|---|---|---|
Profit Rate payable (% p.a.) |
Profit payable (RM) |
Net Profit Rate payable after Cashback (% p.a.) |
Profit payable after Cashback (RM) |
|
(C) |
A*B*C |
(D) = (C) – Cashback % |
A*B*D |
|
60% Cash back |
12.50% |
12,500 |
5% |
5,000 |
40% Cash back |
12.50% |
12,500 |
7.5% |
7,500 |
Example on how you can save RM125 every month and a total of RM7,500 with our 60% Cash Back Promotion!
Assume you borrow a RM20,000 facility and wish to pay over 5 years:
Facility Amount (1) (RM) |
Financing Tenure (years) |
Profit Rate payable |
Total Profit Payment |
Monthly Instalment (2) |
|
|---|---|---|---|---|---|
(A) |
(B) |
(C) |
(D) = A*B*C |
(E) = [(A) + (D)]/60mths |
|
Without 60% Cash Back |
20,000 |
5 |
12.50% |
RM12,500 |
RM525 |
With 60% Cash Back |
20,000 |
5 |
5.00% (3) |
RM5,000 |
RM420 |
Total Savings |
7.50% |
RM7,500 |
RM125 |
Note:
- 0.5% of Facility amount will be deducted from the Facility for stamp duty
- Round up to nearest RM5.
- 12.50% p.a. - 60% cashback = 5% p.a. profit rate
Terms and conditions apply.
