• BSN MYAUTO-i USEDCAR
    Own your dream car with our attractive Hire Purchase facility

    Features

    • Competitive profit rates
    • Convenient payment network via various BSN channels
    • Margin of Financing:
      1. Min: RM20,000
      2. Max: up to 90% from the selling price
    • Open to all used vehicles acceptable to BSN only
    • Tenure of Financing:
      1. Minimum: 3 years (36 months)
      2. Maximum: 9 years (108 months); subject to:
        • Retirement age and
        • Maximum 15 years of vehicle age (refer to year of manufactured) at the end of financing tenure.
    • Age of Vehicle:
      • Maximum 9 years starts from the year of manufactured.
    Apply Now
    BSN MYAUTO-i USEDCAR
    Own your dream car with our attractive Hire Purchase facility

    Features

    • Competitive profit rates
    • Convenient payment network via various BSN channels
    • Margin of Financing:
      1. Min: RM20,000
      2. Max: up to 90% from the selling price
    • Open to all used vehicles acceptable to BSN only
    • Tenure of Financing:
      1. Minimum: 3 years (36 months)
      2. Maximum: 9 years (108 months); subject to:
        • Retirement age and
        • Maximum 15 years of vehicle age (refer to year of manufactured) at the end of financing tenure.
    • Age of Vehicle:
      • Maximum 9 years starts from the year of manufactured.
    Apply Now

Own your dream car with our attractive Hire Purchase facility.

PROFIT RATE* 

As low as *3.00% per annum

*Individual profit rate may vary based on BSN's credit evaluation.

  • Employee of the following organisations:
    1. Employee of Government
    2. Employee of *Government Link Companies
    3. Public Listed Companies
    4. Financial Institutions
    5. Companies under BSN’s **CES
    6. Selected Professionals
  • Employee of Private Sector Companies, subject to:
    1. The Company has been operating for more than 3 years
    2. Sole proprietors / Partnerships (Enterprise Companies) are NOT ELIGIBLE
    3. Employees with a minimum fixed monthly income of RM3,000

*Government as major shareholder or single largest shareholder
** Corporate Employee Scheme

  • 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 for the latest three (3) months (permanent/ contract).
  • Not a bankrupt.
  • Total deduction should NOT exceed 60% of the monthly salary, including this instalment.
  • Application form duly signed by applicant;
  • Copy of NRIC (both sides);
  • Copy of valid Driving License;
  • Copy of three (3) month latest Pay Slip;
  • Authorize letter to perform credit checking; and
  • Photocopy of salary account statement / passbook or EPF statement or latest Income Tax returns; and
  • Other related documents acceptable by BSN (if required).
  • 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.

{{lang == 'en' ? 'Kindly enter your financing details' : 'Masukkan butiran pembiayaan 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 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.
  • 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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