• BSN MyRinggit-i PROFESSIONAL
    Creating the financial opportunities for professionals

    Eligibility

    • Malaysian citizen
    • Age of 18 years old and not exceeding the retirement age or 65 years old at the end of financing tenure, whichever is earlier
    • Fixed income earner with minimum gross income of RM3,000/month
    • Minimum tenure in service:
      • Permanent Staff : 3 months
      • Contract Staff : 6 months
    • For Sole Proprietorship / Partnership, business has been operated for at least 2 years
    • Eligible for the following professionals:
      • Medical Doctor
      • Dentist
      • Accountant & Auditor
      • Lecturers
      • Architects
      • Engineers
      • Pharmacists
      • Quantity Surveyors
      • Veterinary
      • Optician/ Optometrist
      • Actuary
      • Geologist
      • C-Level

    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 PROFESSIONAL
    Creating the financial opportunities for professionals

    Eligibility

    • Malaysian citizen
    • Age of 18 years old and not exceeding the retirement age or 65 years old at the end of financing tenure, whichever is earlier
    • Fixed income earner with minimum gross income of RM3,000/month
    • Minimum tenure in service:
      • Permanent Staff : 3 months
      • Contract Staff : 6 months
    • For Sole Proprietorship / Partnership, business has been operated for at least 2 years
    • Eligible for the following professionals:
      • Medical Doctor
      • Dentist
      • Accountant & Auditor
      • Lecturers
      • Architects
      • Engineers
      • Pharmacists
      • Quantity Surveyors
      • Veterinary
      • Optician/ Optometrist
      • Actuary
      • Geologist
      • C-Level

    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 Professional is specially tailored to help professionals secure the personal financing they need. No guarantor is required.

FEATURES 

  • Mode of payment is via BSN Standing Instruction or Salary Deduction.
  • No guarantor needed.

Financing Limit

Minimum

RM10,000

Maximum

Up to RM400,000

Rates

Payment MethodFinancing TenureProfit Rate
(per annum)
BSN Standing Instruction1 - 3 yearsSBR + 2.85%
4 - 10 yearsSBR + 3.30%
Salary Deduction1 - 3 yearsSBR + 2.65%
4 - 10 yearsSBR + 2.85%

REQUIRED DOCUMENTS

  • Salary Earner
  1. Copy of NRIC
  2. Latest 2 months’ salary slip
  3. Employer confirmation letter
  4. Valid certification/ registration with the respective Certification Authority/ Membership Registration Institution
  5. At least one (1) of these:
    • Latest income statement (EA/ EC or e-B/ e-BT form); or
    • Latest 3 months Bank Statement of salary crediting account; or
    • Any other latest supporting document such as EPF statement

  • Sole Proprietorship/ Partnership
  1. Copy of NRIC
  2. Business Registration
  3. Applicant's latest 6 months bank statement
  4. Latest annual income statement (EA/ EC or e-B/ e-BT form) with payment receipt
  5. Latest 2 years financial statement
  6. Valid certification/ registration with the respective Certification Authority/ Membership Registration Institution
  1. Copy of NRIC
  2. Latest 2 months’ salary slip
  3. Employer confirmation letter
  4. Salary Deduction Form
  5. Valid certification/ registration with the respective Certification Authority/ Membership Registration Institution

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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OR download our Application Form HERE.

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