• BSN MYAUTO
    Drive home with joy in your perfect car

    Features

    • Competitive fixed and floating interest rates
    • Convenient repayment network via various BSN channels
    • Margin of Loan:
      • Minimum: RM20,000
      • Maximum: Up to 90% from the selling price
    • Tenure of Loan:
      • Minimum: 36 months
      • Maximum: 108 months (subject to retirement age)
    • Open to selected brand new national, non-national & unregistered reconditioned vehicles only
    Apply Now
    BSN MYAUTO
    Drive home with joy in your perfect car

    Features

    • Competitive fixed and floating interest rates
    • Convenient repayment network via various BSN channels
    • Margin of Loan:
      • Minimum: RM20,000
      • Maximum: Up to 90% from the selling price
    • Tenure of Loan:
      • Minimum: 36 months
      • Maximum: 108 months (subject to retirement age)
    • Open to selected brand new national, non-national & unregistered reconditioned vehicles only
    Apply Now

Own the car you’ve always wanted with our attractive Hire Purchase facility.

INTEREST RATE* 

  • Fixed: Ranges from *2.35% to 3.00% per annum
  • Floating: Ranges from *SBR + 1.59% to SBR + 2.98% per annum

*Individual rate may vary based on vehicle segment and BSN's credit evaluation.

Eligibility

  • Employee of organisations that equipped with Biro Perkhidmatan Angkasa (BPA) enablement.
  • Federal Government Employees (SKAP).
  • Malaysian citizen aged 21 years and above at the time of application and NOT exceeding 60 years old upon completion of financing.
  • Permanent employment with at least six (6) months working experience.
  • Not a bankrupt.
  • Total deduction should NOT exceed 60% of the monthly salary, including this financing instalments.

Documents Required

  • Application form duly signed by applicant;
  • Copy of NRIC (both sides);
  • Copy of three (3) month latest Pay Slip;
  • Copy of valid Driving License;
  • BPA Form (For BPA Scheme); or
  • Arahan Potongan Gaji BSN Form (for SKAP Scheme).
  • Confirmation Letter from employer, which shall states the followings:
    1. Name
    2. NRIC
    3. Position
    4. Status of Employment
    5. Date of Employment
    6. Monthly Salary
    7. Fixed Allowance (if any)
  • Employee of private sector and selected organisations.
  • Malaysian citizen aged 21 years and above at the time of application and NOT exceeding 65 years old upon completion of financing.
  • Not a bankrupt.
  • Permanent employment with at least six (6) months working experience.
  • Employees of the following organization:
    1. Selected Premier Developers Program (PDP).
    2. Selected Private Hospitals.
    3. Telecommunication Companies (Telco).
    4. Licensed Financial Institutions.
    5. Selected Private Universities & Colleges.
    6. Multi-National & Locally Incorporated Companies.
    7. PETRONAS Group of Companies (substantial shareholding held by Petronas).
    8. Statutory Bodies.
    9. Government Linked Companies(GLC) & Government Linked Agencies (GLA).
    10. Selected Public Listed Companies.
    11. Professional practitioners – such as Doctors, Architects, Lawyers, Accountants and other certified professional group

Document Required

  • Application form duly signed by applicant.
  • Copy of NRIC (both sides);
  • Copy of three (3) months latest pay slip;
  • Copy of valid Driving License;
  • Copy of Bank statement or latest EPF statement or EA form.

Guarantor, if applicable

  • Copy of NRIC (both sides);
  • Copy of three (3) months latest pay slip;
  • Copy of bank statement, or latest EPF statement or EA form.

Get Started with our Loan Calculator

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

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

{{results[0] }}
{{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.'}}

EARLY SETTLEMENT 

Customer is entitled to a rebate which is the refund of the term charges for the unused tenure.

Rebate =[n(n+1)] x TC

n = Remaining Rental Period in Months

N = Original Rental Period in Months

TC = Term Charges

N (N+1)

FEES & CHARGES

  • LATE PAYMENT CHARGES
    Interest on any overdue instalments at either 8% per annum (in the case of fixed rate term charges) or 2% per annum above the prevailing rate of term charges (in the case of floating rates of term charges), will be charged on the amount in arrears. Such interest will be calculated on a daily basis from the due date until one day prior to the actual payment date, on any overdue monies payable by the Hirer and charged to the Hirer’s account monthly.
  • STAMP DUTY
    RM10 for Hirer's copy of the Hire Purchase Agreement.
    RM10 for Guarantor's copy of agreement (if applicable).

NOTES:

  • *Individual rate may vary due to category and at BSN's discretion.
  • Any change in fees and charges will be notified by 21 days’ notice in advance from effective date with notification to be sent / posted at the BSN’s branches or uploaded in www.bsn.com.my website.
  • View all banking rates
  • View all fees & charges.
  • View Product Disclosure Sheet
  • Terms & Conditions apply. 

Visit our branch

Visit our nearest branch for more information OR download our Application Form HERE.