• BSN MyRinggit-i (POSTGRADUATE)
    Empower your education journey with BSN

    Eligibility 

    • Postgraduate students who are currently working as a full-time federal government employees.
    • Malaysian citizen aged 18 years old to 60 years old (subject to retirement age at the end of financing tenure)
    • Works in government sector / GLA / GLC / organizations which has the facility of salary deduction through BPA
    • Minimum income of RM1,500 per month
    • Permanent employee who has been employed for 3 months and above
    • Contract / temporary employee (over 12 months' service)
    • BSN GIRO/i account holder
    • Participating University:
      • Universiti Pendidikan Sultan Idris (UPSI)

    Shariah Concept

    Tawarruq consists of two sale and purchase contracts. The first involves the sale of an asset by a seller to a purchaser on a deferred basis. Subsequently, the purchaser of the first sale will sell the same asset to a third party on a cash and spot basis.

    Apply Now
    BSN MyRinggit-i (POSTGRADUATE)
    Empower your education journey with BSN

    Eligibility 

    • Postgraduate students who are currently working as a full-time federal government employees.
    • Malaysian citizen aged 18 years old to 60 years old (subject to retirement age at the end of financing tenure)
    • Works in government sector / GLA / GLC / organizations which has the facility of salary deduction through BPA
    • Minimum income of RM1,500 per month
    • Permanent employee who has been employed for 3 months and above
    • Contract / temporary employee (over 12 months' service)
    • BSN GIRO/i account holder
    • Participating University:
      • Universiti Pendidikan Sultan Idris (UPSI)

    Shariah Concept

    Tawarruq consists of two sale and purchase contracts. The first involves the sale of an asset by a seller to a purchaser on a deferred basis. Subsequently, the purchaser of the first sale will sell the same asset to a third party on a cash and spot basis.

    Apply Now

Fullfil your learning journey with BSN MyRinggit-i (Postgraduate) a product designed to help postgraduate to further their studies.

DOCUMENTS REQUIRED

  • A copy of NRIC (both sides)
  • Confirmation letter from employer
  • Latest 2 months' salary slip

FINANCING INFORMATION

Floating Rate

Profit Rate

SBR + 2.70%

Profit Rate without Takaful

Additional 1% from the above profit rate

Financing Limit

Minimum: RM5,000
Maximum: RM50,000

Financing Tenure

Minimum: 1 year
Maximum: 10 years

Get Started with our Financing Calculator

Wish to know how much you would be paying every month? Let us help you get started. 

{{lang == 'en' ? 'Kindly enter your financing details' : 'Masukkan butiran pembiayaan anda di sini'}}

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{{lang == 'en' ? 'Disclaimer :' : 'Penafian :'}}
{{lang == 'en' ? ' This calculator serves as an estimate only. It is provided for illustrative purposes and is based on the accuracy of information provided. It does not constitute a quote. BSN shall not be responsible for any inaccuracies or errors resulting from the use of this calculator.' :'Kalkulator ini berfungsi sebagai anggaran sahaja. Ia disediakan untuk tujuan ilustrasi dan adalah berdasarkan ketepatan maklumat yang diberikan. Ia bukan merupakan sebut harga. BSN tidak akan bertanggungjawab terhadap sebarang ketidaktepatan atau kesilapan yang disebabkan oleh penggunaan kalkulator ini.'}}

LATE PAYMENT CHARGES (LPC) 

Late Payment Charges will be charged based on Ta’widh (Compensation).

During financing PeriodLate Payment Charges (LPC) of 1% per annum will be imposed on the overdue monthly instalment payment in the event you fail to pay any monthly instalment within the stipulated period from the first disbursement of the financing until its maturity date.
After the completion of financing periodPrevailing daily overnight Islamic Interbank Money Market (IIMM) rate will be charged for failure to pay the total outstanding balance after maturity or upon judgment obtained, whichever earlier.

NOTES:

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