Perbankan Runcit

Description / Service Charges / Fees GST (6%) Charges / Fees (Inclusive of GST)
Trading Fee Waived N/A Waived
Withdrawal of Advance Payment fee RM50.00 per request RM3.00 RM53.00
Early Settlement charges Actual cost incurred by the Bank at the point of early settlement RM0.00 Actual cost incurred by the Bank at the point of early settlement
Compensation Charges

-  For default payment during facility tenure = 1% p.a. on the overdue instalment amount;

- For default payment causing the facility to be terminated or brought to court = 1% p.a. on the outstanding balance (outstanding principal plus accrued profit);

- For default payment after expiry of facility tenure = BNM Islamic Interbank Money Market (“IIMM”) rate on the outstanding balance (outstanding principal plus accrued profit);

- For default payment post judgment = IIMM rate on the basic judgment sum

RM0.00

- For default payment during facility tenure = 1% p.a. on the overdue instalment amount;

- For default payment causing the facility to be terminated or brought to court = 1% p.a. on the outstanding balance (outstanding principal plus accrued profit);

- For default payment after expiry of facility tenure = BNM Islamic Interbank Money Market (“IIMM”) rate on the outstanding balance (outstanding principal plus accrued profit);

- For default payment post judgment = IIMM rate on the basic judgment sum

Termination fee 
(for cancellation of financing prior to financing disbursement)
RM2,000.00 RM0.00 RM2,000.00
Redemption Statement fee RM50.00 per request RM3.00 RM53.00
Letter of confirmation for EPF withdrawal fee RM20.00 per request RM1.20 RM21.20
Security Document Retrieval fee (request for photocopy) RM2 per page, min RM10 and max RM60 RM0.12 , min RM0.60 and max RM3.60 RM2.12 per page, min RM10.60 and max RM63.60
Additional Financing Statement fee RM10.00 RM0.60 RM10.60
Description / Service Charges / Fees GST (6%) Charges / Fees (Inclusive of GST)
Agency fee RM15.00 RM0.90 RM15.90
IBG fee A nominal fee of RM2.00 will be charged on every Interbank Giro (IBG), if any RM0.12 A nominal fee of RM2.12 will be charged on every Interbank Giro (IBG), if any
Stamp Duty fee

- 0.5% of financing amount

- 20% remission for new financing.

- 100% remission for refinancing case from conventional loan on the balance of the principal amount of the existing loan.

RM0.00

- 0.5% of financing amount

- 20% remission for new financing.

- 100% remission for refinancing case from conventional loan on the balance of the principal amount of the existing loan.

Additional Financing Statement fee RM10.00 per request RM0.60 RM10.60 per request
Early Settlement Notice fee 3 months' prior written notice is required or payment of 3 months profit on the amount redeemed in lieu of notice RM0.00 3 months' prior written notice is required or payment of 3 months profit on the amount redeemed in lieu of notice
Compensation Charges

- For default payment during facility tenure = 1% p.a. on the overdue instalment amount

-For default payment causing the facility to be terminated or brought to court = 1% p.a. on the outstanding balance (outstanding principal plus accrued profit)

- For default payment after expiry of facility tenure = BNM Islamic Interbank Money Market (“IIMM”) rate on the outstanding balance (outstanding principal plus accrued profit)

- For default payment post judgment = IIMM rate on the basic judgment sum.

RM0.00

- For default payment during facility tenure = 1% p.a. on the overdue instalment amount

- For default payment causing the facility to be terminated or brought to court = 1% p.a. on the outstanding balance (outstanding principal plus accrued profit)

- For default payment after expiry of facility tenure = BNM Islamic Interbank Money Market (“IIMM”) rate on the outstanding balance (outstanding principal plus accrued profit)

- For default payment post judgment = IIMM rate on the basic judgment sum.

Description / Service Charges / Fees GST (6%) Charges / Fees (Inclusive of GST)
New Car Financing : New Vehicle / Imported Recondition Vehicle
i. Photocopy charges for application documents RM10.00 RM0.60 RM10.60
ii. Postage charges for sending Agreement RM10.00 RM0.60 RM10.60
iii. Stamp duty for Hire Purchase Agreement RM10.00 RM0.00 RM10
iv. Stamp duty for Hire Purchase Guarantee Agreement RM10.00 RM0.00 RM10
v. Fax and telephone charges for processing of application RM15.00 RM0.90 RM15.90
vi. e-Hakmilik transaction fee for registration of ownership claim RM3.00 RM0.18 RM3.18
vii. e-Hakmilik transaction fees for change request RM3.00 RM0.18 RM3.18
New Car Financing : Used Vehicles
i. Photocopy charges for application documents RM10.00 RM0.60 RM10.60
ii. Postage charges for sending Agreement RM10.00 RM0.60 RM10.60
iii. Stamp duty for Hire Purchase Agreement RM10.00 RM0.00 RM10.00
iv. Stamp duty for Hire Purchase Guarantee Agreement RM10.00 RM0.00 RM10.00
v. Fax and telephone charges for processing of application RM15.00 RM0.90 RM15.90
vi. e-Hakmilik transaction fee for registration of ownership claim RM3.00 RM0.18 RM3.18
vii. e-Hakmilik transaction fees for Change request RM3.00 RM0.18 RM3.18
viii. Transport charges for settlement with another bank RM15.00 RM0.90 RM15.90
ix. Service fee for settlement with another bank RM30.00 RM1.80 RM31.80
x. Courier charges RM10.00 RM0.60 RM10.60
Ad-hoc services
i. Duplicate letter of release of ownership claim RM100.00 per letter RM6.00 RM106
ii. Issuance of Letter of Consent to JPJ on change of vehicle engine number RM50.00 per letter RM3.00 RM53.00
iii. Issuance of Letter to JPJ for issuance of duplicate registration card RM50.00 per letter RM3.00 RM53.00
iv. Issuance of Letter to JPJ on interchange of vehicle registration number RM50.00 per letter RM3.00 RM53.00
v. Photocopy of HP agreement RM2.00 per page; min RM10.00 RM0.12, min RM0.60 RM2.12 per page; min RM10.60
vi. Photocopy of registration card RM2.00 per page; min RM10.00 RM0.12, min RM0.60 RM2.12 per page; min RM10.60
vii. Issuance of consent letter to Authorities for transfer of vehicle to East M’sia or vice versa RM20.00 per request RM1.20 RM21.20 per request
viii. Road tax renewal RM10.00 per case RM0.60 RM10.60 per case
ix. Transfer and ownership claim fee to JPJ RM150.00 RM0.00 RM150
x. Compensation Charges - For default payment during facility tenure = 1% p.a. on the overdue instalment amount;

- For default payment causing the facility to be terminated or brought to court = 1% p.a. on the outstanding balance (outstanding principal plus accrued profit);

- For default payment after expiry of facility tenure = BNM Islamic Interbank Money Market (“IIMM”) rate on the outstanding balance (outstanding principal plus accrued profit);

- For default payment post judgment = IIMM rate on the basic judgment sum.
RM0.00 - For default payment during facility tenure = 1% p.a. on the overdue instalment amount;

- For default payment causing the facility to be terminated or brought to court = 1% p.a. on the outstanding balance (outstanding principal plus accrued profit);

- For default payment after expiry of facility tenure = BNM Islamic Interbank Money Market (“IIMM”) rate on the outstanding balance (outstanding principal plus accrued profit);

- For default payment post judgment = IIMM rate on the basic judgment sum.

*Product are available only at selected branches/business centres

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