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Personal loan from Bank Islam, so far the best rate I know of ...Good Luck

http://www.bankislam.com.my/en/Pages/Package.aspx?tabs=3&mlink=PersonalFinancing

Features
Financing Quantum

Based on eligibility limit and subject to minimum amount of RM10,000 and maximum amount of RM200,000
Payment Period

Maximum of 15 years (180 months) or up to the retirement age, whichever is earlier
Financing Rate Offer
Flat Rate

1-3 years : 3.25% p.a. (with Bank Islam Will Writing, BancaTakaful products subscription or Bank Islam Card-i)
1-3 years : 3.50% p.a.
4-10 years : 4.99% p.a.
11-15 years : 5.50% p.a.
Floating Rate (Base Financing Rate (BFR))

1-3 years : BFR - 2.10% p.a.
4-10 years : BFR - 0.60% p.a.
11-15 years : BFR + 0.25% p.a.
Note : Current BFR is 6.60% p.a.

Eligibility

Applicant must be 18 years and not exceeding the retirement age at the end of payment period
Malaysian citizen
Earning a minimum fixed income of RM2,000.00 per month
Applicant must be a continued employee in any of the following:
Government Sector
Selected Public Listed Companies
Subsidiaries of Government or Selected Public Listed Company
Other Prominent Private Limited Companies as categorized under package companies listed by Bank Islam
Debt Service Ratio (DSR) must not exceed 70% from the net salary after statutory deduction
Takaful Coverage

Personal Financing Takaful Plan
Wakalah Fee

RM50.00 - For being the customer's agent to sell commodity to the Broker
Documents Required

A copy of identity card
Latest 3 months' salary slip
Latest employer's confirmation letter
And at least one (1) of these:

Latest income statement (Form B/eBE/ EA/EC)
Latest 3 months Bank Statements of salary crediting account; or
Any other latest supporting document such as EPF statement, if required
Payment Method

Salary Deduction
Salary Transfer to Bank Islam with Auto-debit Instruction
Benefits

Competitive rate
No hidden charges
No guarantor is required
No deposit
No processing fee
Flexible financing tenure
Selling price – fixed and known
Fast approval
Product Disclosure Sheet

Personal Financing-i

<blockquote data-quote="anaksarawak" data-source="post: 665502" data-attributes="member: 4851">Personal loan from Bank Islam, so far the best rate I know of ...Good Luck <a href="http://www.bankislam.com.my/en/Pages/Package.aspx?tabs=3&amp;mlink=PersonalFinancing" target="_blank">http://www.bankislam.com.my/en/Pages/Package.aspx?tabs=3&amp;mlink=PersonalFinancing</a>FeaturesFinancing Quantum<ul>
<li data-xf-list-type="ul">Based on eligibility limit and subject to minimum amount of RM10,000 and maximum amount of RM200,000</li>
</ul>Payment Period
<ul>
<li data-xf-list-type="ul">Maximum of 15 years (180 months) or up to the retirement age, whichever is earlier</li>
</ul>Financing Rate OfferFlat Rate&nbsp;
<ul>
<li data-xf-list-type="ul">1-3 years : 3.25% p.a. (with Bank Islam Will Writing, BancaTakaful products subscription or Bank Islam Card-i)</li>
<li data-xf-list-type="ul">1-3 years : 3.50% p.a.</li>
<li data-xf-list-type="ul">4-10 years : 4.99% p.a.</li>
<li data-xf-list-type="ul">11-15 years : 5.50% p.a.</li>
</ul>Floating Rate (Base Financing Rate (BFR))
<ul>
<li data-xf-list-type="ul">1-3 years : BFR - 2.10% p.a.</li>
<li data-xf-list-type="ul">4-10 years : BFR - 0.60% p.a.</li>
<li data-xf-list-type="ul">11-15 years : BFR + 0.25% p.a.</li>
</ul>Note : Current BFR is 6.60% p.a.&nbsp;Eligibility
<ul>
<li data-xf-list-type="ul">Applicant must be 18 years and not exceeding the retirement age at the end of payment period</li>
<li data-xf-list-type="ul">Malaysian citizen</li>
<li data-xf-list-type="ul">Earning a minimum fixed income of RM2,000.00 per month</li>
<li data-xf-list-type="ul">Applicant must be a continued employee in any of the following:<ul>
<li data-xf-list-type="ul">Government Sector</li>
<li data-xf-list-type="ul">Selected Public Listed Companies</li>
<li data-xf-list-type="ul">Subsidiaries of Government or Selected Public Listed Company</li>
<li data-xf-list-type="ul">Other Prominent Private Limited Companies as categorized under package companies listed by Bank Islam</li>
</ul></li>
<li data-xf-list-type="ul">Debt Service Ratio (DSR) must not exceed 70% from the net salary after statutory deduction</li>
</ul>Takaful Coverage
<ul>
<li data-xf-list-type="ul">Personal Financing Takaful Plan</li>
</ul>Wakalah Fee
<ul>
<li data-xf-list-type="ul">RM50.00 - For being the customer&#039;s agent to sell commodity to the Broker</li>
</ul>Documents Required 
<ul>
<li data-xf-list-type="ul">A copy of identity card</li>
<li data-xf-list-type="ul">Latest 3 months&#039; salary slip</li>
<li data-xf-list-type="ul">Latest employer&#039;s confirmation letter</li>
</ul>And at least one (1) of these:
<ul>
<li data-xf-list-type="ul">Latest income statement (Form B/eBE/ EA/EC)</li>
<li data-xf-list-type="ul">Latest 3 months Bank Statements of salary crediting account; or</li>
<li data-xf-list-type="ul">Any other latest supporting document such as EPF statement, if required</li>
</ul>Payment Method
<ul>
<li data-xf-list-type="ul">Salary Deduction</li>
<li data-xf-list-type="ul">Salary Transfer to Bank Islam with Auto-debit Instruction</li>
</ul>Benefits
<ul>
<li data-xf-list-type="ul">Competitive rate</li>
<li data-xf-list-type="ul">No hidden charges</li>
<li data-xf-list-type="ul">No guarantor is required</li>
<li data-xf-list-type="ul">No deposit</li>
<li data-xf-list-type="ul">No processing fee</li>
<li data-xf-list-type="ul">Flexible financing tenure</li>
<li data-xf-list-type="ul">Selling price – fixed and known</li>
<li data-xf-list-type="ul">Fast approval</li>
</ul>Product Disclosure Sheet
<ul>
<li data-xf-list-type="ul"><a href="http://www.bankislam.com.my/en/Documents/Consumer/PDS-PersonalFinancing-Sales.pdf" target="_blank">Personal Financing-i</a></li>
</ul></blockquote>

[QUOTE="anaksarawak, post: 665502, member: 4851"] [COLOR=#000000][FONT=Arial] Personal loan from Bank Islam, so far the best rate I know of ...Good Luck [url]http://www.bankislam.com.my/en/Pages/Package.aspx?tabs=3&mlink=PersonalFinancing[/url] [B] Features[/B] [B]Financing Quantum[/B] [LIST] [*]Based on eligibility limit and subject to minimum amount of RM10,000 and maximum amount of RM200,000 [/LIST][B]Payment Period[/B] [LIST] [*]Maximum of 15 years (180 months) or up to the retirement age, whichever is earlier [/LIST][B]Financing Rate Offer[/B] [U]Flat Rate[/U] [LIST] [*]1-3 years : 3.25% p.a. (with Bank Islam Will Writing, BancaTakaful products subscription or Bank Islam Card-i) [*]1-3 years : 3.50% p.a. [*]4-10 years : 4.99% p.a. [*]11-15 years : 5.50% p.a. [/LIST] [U]Floating Rate (Base Financing Rate (BFR))[/U] [LIST] [*]1-3 years : BFR - 2.10% p.a. [*]4-10 years : BFR - 0.60% p.a. [*]11-15 years : BFR + 0.25% p.a. [/LIST]Note : Current BFR is 6.60% p.a. [B]Eligibility[/B] [LIST] [*]Applicant must be 18 years and not exceeding the retirement age at the end of payment period [*]Malaysian citizen [*]Earning a minimum fixed income of RM2,000.00 per month [*]Applicant must be a continued employee in any of the following: [LIST] [*]Government Sector [*]Selected Public Listed Companies [*]Subsidiaries of Government or Selected Public Listed Company [*]Other Prominent Private Limited Companies as categorized under package companies listed by Bank Islam [/LIST] [*]Debt Service Ratio (DSR) must not exceed 70% from the net salary after statutory deduction [/LIST][B]Takaful Coverage[/B] [LIST] [*]Personal Financing Takaful Plan [/LIST][B]Wakalah Fee[/B] [LIST] [*]RM50.00 - For being the customer's agent to sell commodity to the Broker [/LIST][B]Documents Required[/B] [LIST] [*]A copy of identity card [*]Latest 3 months' salary slip [*]Latest employer's confirmation letter [/LIST] And at least one (1) of these: [LIST] [*]Latest income statement (Form B/eBE/ EA/EC) [*]Latest 3 months Bank Statements of salary crediting account; or [*]Any other latest supporting document such as EPF statement, if required [/LIST][B][I]Payment Method[/I][/B] [LIST] [*]Salary Deduction [*]Salary Transfer to Bank Islam with Auto-debit Instruction [/LIST] [B]Benefits[/B] [LIST] [*]Competitive rate [*]No hidden charges [*]No guarantor is required [*]No deposit [*]No processing fee [*]Flexible financing tenure [*]Selling price – fixed and known [*]Fast approval [/LIST] [B]Product Disclosure Sheet[/B] [LIST] [*][URL="http://www.bankislam.com.my/en/Documents/Consumer/PDS-PersonalFinancing-Sales.pdf"]Personal Financing-i[/URL] [/LIST] [/FONT][/COLOR] [/QUOTE]

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