• BSN MYAUTO-i
    Drive home with joy in your perfect car

    Features

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

    Shariah Concept

    Based on the Shariah contract Al-Ijarah Thumma Al-Bai' (AITAB), which refers to two contracts; Ijarah and Bai' contracts, which are undertaken separately and consequentially. Under the first contract, the hirer leases the vehicle from the owner at an agreed rental over a specified period. Upon expiry of the lease period, the hirer may enter into a second contract to purchase the goods from the owner at an agreed price.

    Apply Now
    BSN MYAUTO-i
    Drive home with joy in your perfect car

    Features

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

    Shariah Concept

    Based on the Shariah contract Al-Ijarah Thumma Al-Bai' (AITAB), which refers to two contracts; Ijarah and Bai' contracts, which are undertaken separately and consequentially. Under the first contract, the hirer leases the vehicle from the owner at an agreed rental over a specified period. Upon expiry of the lease period, the hirer may enter into a second contract to purchase the goods from the owner at an agreed price.

    Apply Now

Own the car you've always wanted with BSN's MyAuto-i.

PROFIT RATE* 

  • Fixed: As low as 2.35% per annum
  • Floating: As low as *SBR + 1.59% per annum

*Individual profit 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 18 years (with guarantor) and above at the time of application and NOT exceeding 60 years old upon completion of financing.
  • Employed with at least three (3) 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 one (1) month latest Pay Slip;
  • Copy of valid Driving License;
  • BPA Form (For BPA Scheme); or
  • Arahan Potongan Gaji BSN Form (for SKAP Scheme).
  • HRMIS and 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 18 years (with guarantor) and above at the time of application and NOT exceeding 65 years old upon completion of financing.
  • Not a bankrupt.
  • Employed with at least three (3) 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 Financing Calculator

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

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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.'}}

EARLY SETTLEMENT 

Customer is entitled for Ibra' (rebate), which is refund of the term charges for the remaining 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)

LATE PAYMENT CHARGES (LPC) 

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

Within the Facility 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 Facility 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.


Note: *IIMM - Islamic Interbank Money Market refers to the rate as may be determined by Bank Negara Malaysia (BNM) from time to time.

FEES & CHARGES

  • STAMP DUTY
    RM10 for Hirer's copy of the Hire Purchase Agreement.
    RM10 for Guarantor's copy of agreement (if applicable).
    RM10 for Service Agency Agreement.
  • OTHER SERVICES
    RM10 for issuance of Yearly Financing Statement (per request).
    RM45 for application of certified true copy (CTC) of security documents/agreement (per request).

    Note: Mandated products are exempted.

NOTES:

  • *Individual rate may vary due to category and at BSN's discretion.
  • *IIMM (Islamic Interbank Money Market) refer to the rate as may be determined by Bank Negara Malaysia (BNM) from time to time.
  • All payments are one-off payment only. 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.
  • View Customer Declaration.
  • Terms & Conditions apply.

Visit our branch

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

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