Personal Financing-i Online Exclusive Offer

Profit Rate for Online Application

Our rate is on a flat rate basis

Note: The effective profit rates vary as follows for financing-i tenure from 2 to 5 years

(i) Flat profit rate 5.00% p.a.: Effective profit rates vary from 9.15% p.a. to 9.32% p.a.

(ii) Flat profit rate 7.50% p.a.: Effective profit rates vary from 13.32% p.a. to 13.80% p.a.

(iii) 0.50% of the facility amount will be deducted upon disbursement for stamp duty payable. 

Illustration of Instalments

For example, you are an applicant with a verified monthly income of RM8,000 and above and you apply via the Bank’s Website. The applicable profit rate is 5.00% p.a. and your total approved facility amount is RM100,000 for a financing tenure of 5 years. The above example is illustrated below:

*Monthly instalment amount will be rounded up to the nearest RM5.

Any adjustment due to rounding will be reflected towards the end of the facility tenure.

• Malaysian citizens aged between 21 to 60 years old
• Employed (i.e. salaried workers) or self-employed with a minimum annual income of RM24,000
• Minimum financing amount is RM5,000
• Maximum financing amount for Personal Financing-i is RM150,000
• Exclusively for online applications only

Note: If you are an existing HLB Connect user, you may also login and apply via HLB Connect Online.

You will be prompted to upload the following 5 documents for your online application. Prepare these documents before you start your online application.

Accepted formats: .jpeg, .jpg, .pdf or .png

Max file size: 5MB per document
 

For Self-Employed Applicants

1. NRIC front

2. NRIC back

3. Business Registration Document

4. Latest 1 year Form B with tax receipt OR latest 6 months company bank statements OR latest 2 years EPF statement (Sdn Bhd only)

5. Optional documents (e.g., latest 6 months’ salary slips/6 months commission slips with crediting proof, rental income, etc.)
 

For Salaried Applicants (Fixed or Variable Income)

1. NRIC front

2. NRIC back

3. Latest EPF statement showing 12 months contribution OR latest 2 years Form BE with proof of tax receipt/latest 2 years LHDN summary sheet for E-Filing submission OR

4. Latest 3 months’ salary slips OR 6 months’ commission slips with salary or commission crediting.

5. Optional documents (e.g., rental income, proof of bonuses paid, cash investments - FD or Mutual Funds, etc.)
 

For Malaysians working in Singapore (SG)

1. Latest CPF statement (Malaysians working in SG) showing 12 months contribution OR latest 2 years NOA Form

2. Proof of salary crediting for 3 months

3. Copy of SG work permit/pass/PR