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- Malaysian citizen aged between 18 to 56 years.
- Government or private sector employees.
- Gross Income (including fixed allowances) of not less than RM1,000.00
- Repayment via "Biro Perkhidmatan ANGKASA" salary deduction
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- All agricultural activities carried out full-time or part-time basis
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A maximum amount of RM30,000 or 5 times gross salary amount whichever is lower.
- Net salary after deduction of financing installments is not less than 40% of gross salary.
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- Up to a maximum of 7 years.
- A fixed rate of 10.8% per annum calculated on monthly balance.
- Profit rate is subject to change without notice.
- Collateral
- Fixed assets, unit trust, Al-Mudharabah General Investment Certificate, Fixed Deposit etc.
- Guarantor
- 1 guarantor who is a permanent government sector employee or
- 2 guarantors who are permanent private sector employees
- Guarantors must have a fixed monthly salary (including fixed allowances) of at least RM1,000.00.
- Takaful Assurance for the whole loan amount.
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Profit Calculation |
Other Financial Institutions Monthly Instalment( FLAT RATE) |
Bank Pertanian Monthly Instalment(MONTHLY REST) |
Savings |
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Profit Rate |
7.2% |
7.2% |
7.2% |
10.8% |
10.8% |
10.8% |
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|
Financing Amount |
60
mths |
72 mths |
84 mths |
60
mths |
72
mths |
84
mths |
60 mths |
72 mths |
84 mths |
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30,000 |
680 |
597 |
537 |
649 |
568 |
511 |
1,843 |
2,067 |
2,236 |
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29,000 |
657 |
577 |
519 |
628 |
549 |
494 |
1,782 |
1,998 |
2,161 |
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28,000 |
635 |
557 |
501 |
606 |
530 |
476 |
1,720 |
1,929 |
2,087 |
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27,000 |
612 |
537 |
483 |
584 |
511 |
459 |
1,659 |
1,861 |
2,012 |
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26,000 |
589 |
517 |
466 |
563 |
492 |
442 |
1,597 |
1,792 |
1,938 |
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25,000 |
567 |
497 |
448 |
541 |
473 |
425 |
1,536 |
1,723 |
1,863 |
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24,000 |
544 |
477 |
430 |
519 |
454 |
408 |
1,474 |
1,654 |
1,789 |
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23,000 |
521 |
457 |
412 |
498 |
435 |
391 |
1,413 |
1,585 |
1,714 |
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22,000 |
499 |
438 |
394 |
476 |
416 |
374 |
1,351 |
1,516 |
1,640 |
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21,000 |
476 |
418 |
376 |
454 |
398 |
357 |
1,290 |
1,447 |
1,565 |
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20,000 |
453 |
398 |
358 |
433 |
379 |
340 |
1,229 |
1,378 |
1,491 |
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19,000 |
431 |
378 |
340 |
411 |
360 |
323 |
1,167 |
1,309 |
1,416 |
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18,000 |
408 |
358 |
322 |
390 |
341 |
306 |
1,106 |
1,240 |
1,342 |
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17,000 |
385 |
338 |
304 |
368 |
322 |
289 |
1,044 |
1,171 |
1,267 |
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16,000 |
363 |
318 |
286 |
346 |
303 |
272 |
983 |
1,103 |
1,193 |
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15,000 |
340 |
298 |
269 |
325 |
284 |
255 |
921 |
1,034 |
1,118 |
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14,000 |
317 |
278 |
251 |
303 |
265 |
238 |
860 |
965 |
1,043 |
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13,000 |
295 |
259 |
233 |
281 |
246 |
221 |
799 |
896 |
969 |
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12,000 |
272 |
239 |
215 |
260 |
227 |
204 |
737 |
827 |
894 |
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11,000 |
249 |
219 |
197 |
238 |
208 |
187 |
676 |
758 |
820 |
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10,000 |
227 |
199 |
179 |
216 |
189 |
170 |
614 |
689 |
745 |
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9,000 |
204 |
179 |
161 |
195 |
170 |
153 |
553 |
620 |
671 |
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8,000 |
181 |
159 |
143 |
173 |
151 |
136 |
491 |
551 |
596 |
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7,000 |
159 |
139 |
125 |
151 |
133 |
119 |
430 |
482 |
522 |
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6,000 |
136 |
119 |
107 |
130 |
114 |
102 |
369 |
413 |
447 |
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5,000 |
113 |
99 |
90 |
108 |
95 |
85 |
307 |
345 |
373 |
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4,000 |
91 |
80 |
72 |
87 |
76 |
68 |
246 |
276 |
298 |
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3,000 |
68 |
60 |
54 |
65 |
57 |
51 |
184 |
207 |
224 |
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2,000 |
45 |
40 |
36 |
43 |
38 |
34 |
123 |
138 |
149 |
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1,000 |
23 |
20 |
18 |
22 |
19 |
17 |
61 |
69 |
75 |
- Both applicant and guarantor
- A photocopy of Identification Card.
- Last 3 months pay slip. Pay slips must be certified by the employer.
- Letter of confirmation from employer.
- Applicant only
- Last 3 months bank statements.
- Application Forms.
- Other documents required by the bank.
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