Eligibility
1. Malaysian citizens only.
2. 18 to 60 years old.
3. A minimum gross income of RM 1,000.00 is required.
4. The minimum financing is RM 1,000.00 while the maximum is RM 50,000.00.
5. The minimum payment tenure is 1 year while the maximum is 5 years.

Fees & Charges
1. Processing Fee: RM50.00
2. Stamp Duty: As per the Stamp Act 1949 (Revised 1989)
3. Wakalah Fee: RM 25.00
4. Takaful fee: RM 24.30 – RM 509.20 (“subject to Takaful Provider discretion on pricing and approval”)

Profit Margin
Profit margin: 18% – 20% per annum. (Subject to JCL approval)