RHB - Personal Financing

Life is good when we can provide financial comfort for those we value the most.

With RHB Personal Financing-i, you will be able to ease your financial commitments through our variable rates from as low as 5.75% p.a. (equivalent to flat rate as low as 3.04% p.a.). In time to come, you will enjoy a lower profit rate with a principal reduction.

Consolidate your debt into
one single payment and enjoy
financing up to RM300,000¹.

Lower profit rate via reducing balance method.

Financing tenure
up to 10 years

Pick your category and get more personalised benefits

through each specially curated Personal Financing-i

PF-i for Private Sector¹

Enjoy up to
RM150,000¹ financing

Flexible financial management with variable profit rate
Equivalent flat rate as low 7.62% p.a.

Click for more info

PF-i for Civil Sector¹

Enjoy up to
RM300,000¹ financing

High payout ratio of up to 98%
Flexible financial management with variable profit rate
Equivalent flat rate as low as 3.04% p.a.

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PF-i for Pensioners¹

Enjoy up to
RM150,000¹ financing

Flexible financial management with variable profit rate
No guarantor required
Equivalent flat rate as low as 3.80% p.a.

Click for more info

Campaign Period: 1 February 2024 - 31 December 2024

Pembiayaan Segera

Pembiayaan Segera

Eligibility

Federal Government Employees
State Government Employees
Selected GLCs Employees
Minimum age of 18 to maximum 58 years old at the end of financing tenure
Minimum income RM2,000

Monthly Payment Method

Salary deduction

Monthly Payment Table

Monthly Payment table for Civil Servant

Profit Rate

Variable Rate p.a.	Monthly Payment Method
Variable rates from as low as 5.75% p.a. (Equivalent to flat rate as low as 3.04% p.a.)	Salary Deduction

Eligibility

Private Sector Employees
Minimum age of 21 and above
Minimum income of RM3,000

Monthly Payment Method

Salary transfer & auto debit instructions

Monthly Payment Table

Monthly Payment Table for Private Sector

Profit Rate

Variable rate as low as 14.00% p.a.

Monthly Auto Debit Instructions

Financing Amount	Effective Profit Rate*
RM16,000 - RM50,000	20.00% p.a.
RM51,000 - RM99,000	17.00% p.a.
RM100,000 - RM150,000	14.00% p.a.

Personal Financing Terms and Conditions - Conventional

Personal Financing Terms and Conditions - Islamic

Product Disclosure Sheet (Civil Sector) - Islamic

Product Disclosure Sheet (Pensioner) - Islamic

Product Disclosure Sheet (Private Sector) - Islamic

Product Disclosure Sheet - Conventional

Get in touch with RHB today.

For more information,
call us at

For avoidance of doubt, RHB Islamic Bank only promotes and manages promotions in relation to RHB Islamic Bank products and its related proposition only.

¹Terms and conditions apply. Campaign period until 31 December 2024.

²Applicable for RHB Personal Financing/-i, until 31 December 2024. Only customers who sign up for Group Credit Family Takaful (GCFT)/ Personal Smart Shield (PSS) coverage will be eligible for 3% rebate from Effect Interest Rate/Profit Rate. Joy@Work customer will be eligible for additional 3% rebate from Effect Interest Rate/Profit Rate.

RHB Islamic Bank Berhad 200501003283 (680329V)